Life is unpredictable. Being diagnosed with a critical illness can simultaneously impact your physical and financial health.
If you were diagnosed with a covered critical illness, would you be financially prepared to handle the ongoing treatment costs? What about your day-to-day expenses – such as rent or utilities? With Critical Illness insurance from Allstate Benefits, you can get the coverage you need today to help protect you from tomorrows unknown.
Critical Illness insurance works well with your major medical plan, helping close gaps in your coverage. It pays cash benefits to help you pay out-of-pocket expenses such as copays and deductibles, or even rent, utilities and groceries.
Life is unpredictable – but with Allstate Benefits, you are in Good Hands®.
Please refer to the Critical Illness product brochure for a full disclosure of plan provisions, benefits, exclusions, limitations and more.
Don’t wait for a sign…
There are different signs that doctors look for when diagnosing a critical illness. Being diagnosed with a critical illness can be one of the most frightening experiences anyone has to face, especially if you are unprepared. Don’t wait before you start thinking about the future of your finances. You can rely on Critical Illness Insurance to help give you peace of mind so you can cope with the challenges of treatment.
Sometimes, undergoing expensive treatments for a critical illness is difficult if your money is tight. That’s where Allstate Benefits can help. The supplemental benefit coverage pays in addition to your major medical insurance to help provide additional dollars that may be used to cover your out-of-pocket expenses.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
When does coverage for me and/or my dependents begin under the Critical Illness plan?
The first day of the month that deductions begin, unless you are not actively at work. The coverage effective date will be listed on the employee certificate.
What happens if a covered person is diagnosed with a covered condition and we do not seek further treatment?
Benefits are paid at time of diagnosis, regardless of whether you or your dependents seek further treatment.
Is domestic partner coverage available?
Yes, unless prohibited by the situs state of the policy.
At what age is a child no longer eligible for benefits under my plan?
Coverage terminates at age 26, unless he or she continues to meet the definition of a dependent as noted in your certificate.
If I leave the company, can I keep my Critical Illness coverage? What is the cost, and how do I go about keeping the plan?
You can continue coverage for yourself and your dependents (whether or not the plan stays active) as long as you make premium payments directly to Allstate Benefits. Payments need to be received by Allstate Benefits within 30 days of the plan termination date.
I plan on retiring in two months. Can I enroll in coverage and take it with me when I retire?
Yes. Your first premium payment must be made through payroll deduction and remitted by your employer. After that happens, you may port your policy at any time.
What happens if I have a heart attack a month into coverage under the Critical Illness plan and get diagnosed with cancer two months later?
Each event must be separated by at least 90 days for both benefits to be payable. In this case, the benefit for the heart attack would be covered, but the cancer benefit would not be paid.
In order for any benefit to be paid, the diagnosis must take place after the effective date of coverage. In addition, the conditions cannot be defined as pre-existing or excluded from coverage by the certificate provisions. Finally, you cannot have already received 100% of the basic benefit for that covered condition.
What happens if a covered person dies while covered under the Critical Illness plan?
Allstate Benefits may make benefit payments for any unpaid and approved claims directly to the named beneficiary or estate.
I don’t smoke cigarettes, but I do use other tobacco products. Do I qualify for the non-tobacco rate?
No. If you use any form of tobacco, you will need to pay the tobacco premiums.
I don’t use tobacco products, but my spouse does. Do I pay tobacco or non-tobacco premiums?
If any dependent uses tobacco, coverage will be issued with the tobacco rates.
I enrolled for coverage under the Critical Illness plan at my issue age of 35. Will my premiums ever increase or my benefit coverage decrease?
Benefits will not decrease due to your age. Premium rate increases or decreases will not take effect during the three-year rate guarantee as long as participation in your employer’s plan does not change.
My spouse and I are in different age brackets. Which premium amount do I pay?
Premiums are determined by the employee’s age, not by the spouse or domestic partner’s age.
Are there medical questions to answer to enroll this coverage?
If an employee enrolls themselves or their spouse when they are initially eligible for coverage, there will be no medical questions to answer. Coverage will be provided on a Guaranteed Issue basis. If an employee chooses to enroll after the initial eligibility period, regular Evidence of Insurability (EOI) will apply for employees and spouses who did not enroll when initially eligible. EOI does not apply to children.
What is the definition of a pre-existing condition?
A pre-existing condition is a disease or physical condition for which symptoms existing within the 12-month period prior to the effective date of the coverage or medical advice or treatment was recommended or received from a medical professional within the 12-month period prior to the effective date. A pre-existing condition can exist even if a diagnosis has not been made.
How does Critical Illness coverage work?
The Critical Illness plan pays the insured a lump-sum benefit when a covered person is diagnosed with any of the listed critical illnesses. To receive the Cancer Benefit, a covered person must be initially diagnosed or diagnosed with a new form of invasive cancer or carcinoma in situ after the effective date of coverage.
Is there a waiting period?
There is a pre‐exisiting condition limitation that applies to your coverage.
How do I enroll?
Click on the Enroll Now button on the right hand side of the page to begin your enrollment process.
When can I submit a claim for benefit payment under my Critical Illness coverage?
You can submit claims for covered benefits anytime after the coverage effective date.
I quit smoking six months ago. Do I qualify for the non-tobacco rate?
No. To qualify for the non-tobacco rates, you must be tobacco free for 12 months. After you’ve remained tobacco free for 12 months, you can request to have your policy changed to a non-tobacco policy. Fill out the “Policy Change & Service Request Form,” which can be obtained from Allstate Benefits website at https://www.allstatebenefits.com/PolicyHolderForms.aspx
How do I submit a claim?
You can obtain a claim form at https://www.allstatebenefits.com/Individuals/HowToFileClaim. You can also call Allstate Benefits at 1-800-521-3535.
Who submits a claim?
The insured or a covered person will submit the claim for processing.
When a claim is filed and benefits are paid by Allstate Benefits, who receives the policy proceeds, me or the doctor?
Claim payments are sent to you unless otherwise assigned to someone else. Visit https://www.allstatebenefits.com/Individuals/Resources to obtain the appropriate form.