Benefits at a Glance

Employees can apply for Critical Illness coverage with Allstate.

The plan pays a lump sum payment of the maximum Critical Illness benefit amount upon diagnosis of a covered illness.

Allstate Rates

Rates are based on the age and amount of coverage.

Covered Dependents receive 50% of the Employees Benefit.


Stroke Heart Attack
Coma End Stage Renal Failure
Major Organ Transplant Permanent Paralysis
Advanced Alzheimers Advanced Parkinsons
Benign Brain Tumor Coma
Complete Loss Hearing Complete Loss Sight
Complete Loss Speech Paralysis

A partial (potentially multiple) benefit of 25% of the maximum critical illness benefit amount will be paid upon diagnosis of Coronary Artery Bypass. *

The Plan Also Includes Additional Enhancement Riders:

  • Reoccurance of the initial illness
  • Cardiopulmonary Enhancement Rider: 25% benefit for: Cardaic Arrest, Pulmonary Embolism, Pulmonary Fibrosis
  • Lifestyle Enhancement Rider: $25 for completing cessation program, online health assessment, health challenge.
  • $50 Wellness Rider

Brochure and Policy Information

Allstate Critical Illness Brochure

Certificate of Coverage included in the Policy

Older Voya Policy, No Longer Offered

Benefits will be reduced by 50% on the certificate anniversary following the insured’s 70th birthday.  The premiums will not decrease.

$50/Wellness Benefit Included Annually

Please refer to the individual certificate or the VOYA Critical Illness Policy for exact details and limitations.

Plan Design

Guaranteed Issue, as a new hire or first eligilbe. Meaning no medical questions to answer when you are first eligible.


Available Coverage Amounts

  • Employee: $10,000 to $20,000
  • Spouse- 50% of employee: $5,000 to $10,000
  • Children: Birth to 26: $5,000 to $10,000