Critical Illness Insurance

Critical Illness Insurance  


Every 40 seconds, someone in the U.S. has a heart attack or stroke.* And someone is diagnosed with cancer every 3 minutes.** If you are being treated for such critical illness, shouldn’t your primary focus be on getting well—not worrying about how to pay for your care?

Critical Illness Insurance can help you by paying a lump sum benefit to help cover your daily living expenses such as grocery bills, mortgage payments, transportation costs or pay for your out-of-pocket medical costs, including deductibles, copays, and cost-shares.


  • You can choose among a lump sum cash benefit of $10,000, $20,000 or $30,000.
  • Your benefit is paid directly to you in addition to your medical insurance.***
  • You pay an employee group rate. Your premium is conveniently deducted from your paycheck.
  • You’re guaranteed acceptance provided you enroll during your New Hire Enrollment Period or during Open Enrollment each year.
  • Portable–you can keep your insurance with the portability option if you leave your employer (with certain stipulations).


You, your spouse and eligible children qualify for this coverage.

Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. For rate information, please refer to the rate chart under the Learn More section.

* American Heart Association/American Stroke Association, “Heart Disease and Stroke Statistics 2017,”

** National Cancer Institute, National Institutes of Health, “Cancer Statistics,” viewed at This is computed by their statistic: “In 2016, an estimated 1,685,210 new cases of cancer will be diagnosed in the United States,” divided by the number of minutes in a year, 525,600.

***Benefits paid directly to you, unless otherwise assigned.


As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period or a qualifying life event, enrollment is limited to the company's annual enrollment period.


1. Log on to
2. Hover over the “myHealth” tab at the top of the homepage
3. Under “Voluntary Benefits”, select “Critical Illness Insurance (Aflac)
4. In the “Free Quote” box, click on the “Enroll Now” link

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET

How It Works

Learn More

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Critical Illness - Rates
Critical Illness - Brochure


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?


    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a planholder or insured gets sick or hurt, Aflac pays cash benefits fairly and promptly for eligible claims, directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given planholders the opportunity to focus on recovery, not financial stress.

  • How can this help me?

    Aflac pays cash benefits directly to you, unless otherwise assigned. This means that you will have added financial resources to help with medical costs or ongoing living expenses. Aflac group critical illness insurance plans are designed to provide you with a lump sum cash benefit to help you cover out-of-pocket medical and other expenses caused by a critical illness.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage at your current rate, without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

  • Will my rates increase as I get older or if I file a claim?

    Your rates will not increase due to age, health or individual claims.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.