Critical Illness
Coverage that goes beyond your medical plan.
This optional plan gives you a cash benefit to cover your out-of-pocket costs in case of certain critical illnesses.

Get a cash payout to help cover your costs.


Financial help

You can get a lump-sum
payment of up to $20,000 when
you’re diagnosed.


More expenses

Coverage includes medical
and non-medical expenses,
like travel costs or childcare.


Family coverage

You can cover just yourself
or enroll other family
members as well.

What’s covered?

Critical illness insurance pays a full benefit in case of serious conditions like invasive cancer, heart attack, coronary bypass surgery, stroke, Alzheimer’s disease, advanced Parkinson’s disease, kidney failure, paralysis, benign brain tumor, coma, and others. Major organ transplants are also covered unless you’re enrolled in the Saver Plan.

For certain other illnesses, the plan pays 25% or 50% of the full benefit. There are also separate benefit amounts for things like ambulance rides, transportation, and lodging. You’ll find a complete list of covered conditions in the critical illness brochure.

The fine print
  • Coverage is available to all associates who are eligible for benefits.
  • You can choose to cover:
    • Only you
    • You and your spouse/partner (full-time and salaried only)
    • You and your children
    • You and your entire family (full-time and salaried only)
  • You can choose $5,000, $10,000, $15,000, or $20,000 of coverage.
  • No proof of good health is required.
  • The benefit is usually paid just once, but in some cases may also pay out again if you have a recurrence of the same condition.

For more details, see the critical illness brochure.


See the current rates for all plans.

Contact Allstate
To file or manage a claim, visit Allstate Benefits or call 800-514-9525.

More options

Need help?

For benefits help, call People Services at 800-421-1362.
For claims help, call Allstate at 800-514-9525.
See the 2022 Associate Benefits Book for more information about your benefits and eligibility. This document will control in the event of any conflict. If you're looking for the 2020 Associate Benefits Book with 2021 Summaries of Material Modifications, you'll find it here.