Critical illness

​Lump-sum benefit on diagnosis of covered illness

  • Critical illness coverage provides money you need early on to cover expenses in the event of a serious illness.
  • There are no 12-month pre-existing-condition restrictions.
  • Coverage is available to employees under 70.
  • No evidence of insurability is required.

 

Specifically, this Aflac Group plan pays a $50 wellness screening benefit and a lump-sum cash benefit on the first diagnosis of a covered illness. This is in addition to benefits you receive from any medical plan and doesn’t affect your medical benefits or decrease payments by coordinating with other plans.

You can use the money for any purpose, including medical bills, deductibles and uncovered expenses, mortgage payments and other ongoing living expenses. There’s no deductible and no lifetime maximum benefit amount.

Coverage options
  • There are two options, Low and High. The High option pays higher benefits as shown in the list of benefit levels below. Dependent children are not eligible for the wellness screening benefit.
  • Spouse coverage is 50% of the primary insured amount.
  • Choosing Employee plus children or Employee plus family automatically covers your dependent child(ren) for 50% of the primary insured amount at no additional cost.
Claiming benefits

If you or one of your covered dependents is diagnosed with a covered critical illness or has had a covered health screening, complete the claim form or call 800-433-3036.

Send your claim form and supporting documentation within 60 days of the screening test or diagnosis.

Actively-at-work provision

If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

Taking coverage with you

If you leave the district, your critical illness plan is convertible. Other exclusions may apply. For more information about conversion, click here.

Helpful resources

For more information, please refer to your certificate of coverage or contact Aflac Group for additional information at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays.

Benefit levels Plan benefits
check Low Option
Employee $10,000
Spouse $5,000
Child $5,000
Wellness screening $50
check High Option
Employee $25,000
Spouse $12,500
Child $12,500
Wellness screening $50
Covered critical illnesses Plan benefits
check Heart attack

100%

check Coronary artery bypass surgery

25%*

check Internal cancer

100%

check Stroke

100%

check Major organ transplant

100%

check End stage renal failure

100%

check Addison's disease

25%

check Lou Gehrig's disease

25%

check Cerebral palsy

25%

check Cystic fibrosis

25%

check Diphtheria

25%

check Encephalitis

25%

check Huntington's chorea

25%

check Legionnaires' disease

25%

check Carcinoma in situ

25%

check Malaria

25%

check Bacterial meningitis

25%

check Multiple sclerosis

25%

check Muscular dystrophy

25%

check Myasthenia gravis

25%

check Necrotizing fasciitis

25%

check Osteomyelitis

25%

check Polio

25%

check Rabies

25%

check Scleroderma

25%

check Sickle cell anemia

25%

check Systemic lupus

25%

check Tetanus

25%

check Tuberculosis

25%

Your cost
Low Option
Employee 1.21
Employee + spouse 2.10
Employee + child(ren) 1.21
Employee + family 2.10
High Option
Employee 2.17
Employee + spouse 3.54
Employee + child(ren) 2.17
Employee + family 3.54
Low Option
Employee 1.57
Employee + spouse 2.64
Employee + child(ren) 1.57
Employee + family 2.64
High Option
Employee 3.07
Employee + spouse 4.89
Employee + child(ren) 3.07
Employee + family 4.89
Low Option
Employee 1.73
Employee + spouse 2.88
Employee + child(ren) 1.73
Employee + family 2.88
High Option
Employee 3.47
Employee + spouse 5.49
Employee + child(ren) 3.47
Employee + family 5.49
Low Option
Employee 2.53
Employee + spouse 4.08
Employee + child(ren) 2.53
Employee + family 4.08
High Option
Employee 5.47
Employee + spouse 8.49
Employee + child(ren) 5.47
Employee + family 8.49
Low Option
Employee 3.41
Employee + spouse 5.40
Employee + child(ren) 3.41
Employee + family 5.40
High Option
Employee 7.67
Employee + spouse 11.79
Employee + child(ren) 7.67
Employee + family 11.79
Low Option
Employee 4.93
Employee + spouse 7.68
Employee + child(ren) 4.93
Employee + family 7.68
High Option
Employee 11.47
Employee + spouse 17.49
Employee + child(ren) 11.47
Employee + family 17.49
Low Option
Employee 5.41
Employee + spouse 8.40
Employee + child(ren) 5.41
Employee + family 8.40
High Option
Employee 12.67
Employee + spouse 19.29
Employee + child(ren) 12.67
Employee + family 19.29
Low Option
Employee 10.21
Employee + spouse 15.60
Employee + child(ren) 10.21
Employee + family 15.60
High Option
Employee 24.67
Employee + spouse 37.29
Employee + child(ren) 24.67
Employee + family 37.29
Low Option
Employee 20.01
Employee + spouse 30.30
Employee + child(ren) 20.01
Employee + family 30.30
High Option
Employee 49.17
Employee + spouse 74.04
Employee + child(ren) 49.17
Employee + family 74.04

For any benefits question or concern, one call does it all.
Call us at 877-780-HISD (4473)

EMAIL US