critical illness insurance
the basics
The Group Critical Illness Insurance Plan pays you, unless otherwise assigned, a lump-sum cash benefit, when you or a covered dependent are diagnosed with a covered critical illness.
- The Plan is insured by Aflac and administered by Mercer Voluntary Benefits.
- Examples of covered critical illnesses currently include: cancer, heart attack, stroke, limited benefit major organ transplant, and coronary artery bypass surgery. Reference the Certificate of Insurance for a complete listing.
- Any insured may receive up to 100 percent of the benefit amount upon the diagnosis of a covered critical illness. Benefits are based on the benefit amount in effect on the critical illness date of diagnosis.
- The current benefit amounts that you can purchase are up to $20,000 for you as an eligible employee and up to $10,000 for your covered eligible dependent(s). Dependent children are automatically covered at 50 percent of the employee face amount.
- This coverage is voluntary. You must enroll to be covered.
- This coverage is available to you at group rates. You pay the entire cost of coverage through regular payroll deductions on an after-tax basis. You can view premiums online when you enroll, or you can call the Chevron HR Service Center.
- This coverage includes a waiver of premium feature. If you become Totally Disabled (as defined in the Certificate of Insurance) due to a covered critical illness prior to age 65, after 90 continuous days of total disability, premiums for all insureds will be waived up to 24 months, subject to the terms of the plan.
group critical illness insurance
Even if you have health insurance, it might not be enough to cover costs associated with a covered medical condition — such as a heart attack. You could face unanticipated out-of-pocket expenses your medical plan doesn’t cover. Group Critical Illness Insurance can help with doctor bills, hospital stays and even some everyday living expenses if you’re dealing with a covered critical illness. This benefit provides supplemental coverage in the event of a covered medical condition so you can focus on recuperation instead of the distraction of out-of-pocket costs.
how to at-a-glance
If you're eligible to participate, enroll:
- On the BenefitConnect website.
- By calling the HR Service Center. Choose the option for Benefits, then Health coverage.
See the Enrollment & Participation, and Who's Eligible to Participate sections below for additional details about when you can enroll and who is eligible to participate.
To file a claim for benefits, file online at www.aflac.com/chevron or to file by paper, follow the instructions on the form to submit your completed claim form and supporting documentation. If you need assistance, contact Aflac.
enrollment & participation
If you’re eligible, you can enroll at any of the following times:
- During open enrollment.
- During the first 31 days after you become an eligible employee.
- During the first 31 days after a qualifying life event.
Your enrollment election continues from year to year unless you make a permitted election change.
You can make changes to this coverage only under the following circumstances:
- During open enrollment. Changes you elect during open enrollment take effect January 1 of the following year.
- During the first 31 days after a qualifying life event that allows for enrollment or a change in your participation in this plan. The ability to make a change and the kinds of changes you can make vary depending on the type of life event.
You need to enroll to be covered by this benefit. Your coverage will begin as follows:
- If you enroll during open enrollment, coverage will begin on January 1 of the following year.
- If you enroll within 31 days of hire or rehire, coverage will begin on the first of the month following enrollment.
- If you enroll within 31 days of a qualifying life event, coverage will begin on the first of the month following enrollment.
You must be actively at work on the date your coverage is to begin.
- If you are not actively at work, your coverage will become effective on the date you are next actively at work.
- There is no waiting period for benefits.
- You and your covered dependents will not have to answer medical questions or otherwise prove you are in good health.
- There are no preexisting condition limitations.
If you are enrolled in this coverage, your participation will end on the first of the month following your termination date.
Coverage can be continued (with certain stipulations) if you change jobs or retire. You must contact Aflac within 31 days of your termination date. You can continue your coverage with the same benefits and rates via direct bill.
who's eligible to participate
Except as described below, you’re generally eligible for this Plan if you’re considered by Chevron to be a common-law employee of Chevron Corporation or one of its subsidiaries that it has designated to participate in the Omnibus Health Care Plan and you meet all of the following qualifications:
- You’re paid on the U.S. payroll of Chevron Corporation or a participating company.
- You’re assigned to a regular work schedule (unless you’re on a family leave, disability leave, short union business leave, furlough leave, military service leave or leave with pay) of at least 40 hours a week, or at least 20 hours a week if such schedule is an approved part-time work schedule under the corporation’s part-time employment guidelines.
- If you’re a casual employee, you’ve worked (or are expected to work) a regular work schedule for more than four consecutive months.
- You’re in a class of employees designated by Chevron as eligible for participation in the plan.
However, you’re still not eligible if any of the following applies to you:
- You’re not on the Chevron U.S. payroll, or you’re compensated for services to Chevron by an entity other than Chevron — even if, at any time and for any reason, you’re deemed to be a Chevron employee.
- You’re a leased employee or would be a leased employee if you had provided services to Chevron for a longer period of time.
- You enter into a written agreement with Chevron that provides that you won’t be eligible.
- You’re not regarded by Chevron as its common-law employee and for that reason it doesn’t withhold employment taxes with respect to you — even if you are later determined to have been Chevron’s common-law employee.
- You’re a member of a collective bargaining unit (unless eligibility to participate has been negotiated with Chevron).
- You’re a professional intern.
- You’re designated by Chevron as a seasonal employee.
Chevron Corporation, in its sole discretion, determines your status as an eligible employee and whether you’re eligible for the plan. Subject to the plan’s administrative review procedures, Chevron Corporation’s determination is conclusive and binding. If you have questions about your eligibility for this plan, you should contact the Chevron Human Resources Service Center.
To be eligible for coverage, when you enroll you’ll be required to attest to meeting certain eligibility requirements, including but not limited to:
- You are actively at work for Chevron at the time of enrollment.
- The person(s) to be insured has comprehensive health benefits from an insurance policy, an HMO plan, or an employer’s health benefits. You do not have to be enrolled in Chevron health coverage. This means you can have comprehensive health coverage from another source.
- Your spouse is not disabled or unable to work. Spouse includes Domestic Partner as defined in California Family Code Section 297.
When you enroll, you’ll be required to attest to meeting eligibility requirements.
- You can enroll your spouse for coverage. You can’t enroll your spouse for coverage if he or she is either of the following:
- Enrolled as an eligible employee.
- Disabled or unable to work.
- You will be required to verify the eligibility of any new dependents you enroll in your Chevron health plans by completing the dependent verification process.
- You can enroll your domestic partner for coverage. You can’t enroll your domestic partner for coverage if he or she is either of the following:
- Enrolled as an eligible employee.
- Disabled or unable to work.
- You will be required to verify the eligibility of any new dependents you enroll in your Chevron health plans by completing the dependent verification process.
Eligibility rules will be enforced at the time of a claim. See the Certificate of Insurance for further details about dependent eligibility.
Dependents Eligible to Participate
You can enroll a dependent child for coverage if the child is:
- Under age 26
- Is your or your spouse’s natural children, stepchildren (including existing children of new domestic partners), legally adopted children, or children placed for adoption.
- Newborn children are automatically covered from the moment of birth for 60 days.
- Newly adopted children are automatically covered for 60 days also.
Dependents Not Eligible to Participate
- Your other dependents are not eligible for coverage under this plan.
- Your child isn’t eligible under family coverage if enrolled for single coverage as an eligible employee.
Dependent Verification Process
You will be required to verify the eligibility of any new dependents you enroll in your Chevron health plans by completing the dependent verification process.
Incapacitated Dependent
Dependent children must be younger than age 26; however this limit will not apply to any insured dependent child who is incapable of self-sustaining employment due to mental or physical handicap and is chiefly dependent on a parent for support and maintenance. Proof of a child’s incapacity and dependency must be provided within 31 days after the date when coverage would normally end. Contact the HR Service Center to start the incapacitated dependent certification process in advance of your child turning age 26.
plan documents
The summary plan descriptions (SPD) provides specific details about your benefits, such as eligibility, covered services and participation rules. If there recent updates to the SPD since the last publication date, look for the summary of material modification (SMM) included in the very front of the book.
The documents listed below are called a summary of material modification (SMM). An SMM explains recent updates to your plan that are not yet captured or updated in your summary plan description (SPD) since the last publication date. Be sure to review the SMM for an understanding of important plan updates.
- Major organ transplant benefit enhancement (January 1, 2020)
- Autism spectrum disorder benefit enhancement (January 1, 2019)
Other General Plan Changes
- New address for benefits correspondence (June 1, 2020)
- New dependent verification requirement (January 1, 2019) | Learn more
Review the Certificate of Insurance to understand what is covered under the plan. If you enroll, you'll be mailed a Certificate, but you can also contact Mercer Voluntary Benefits to request that a current Certificate of Insurance be mailed to you.
contacts
group critical illness insurance plan
- Plan Type Supplemental health insurance
- Eligibility U.S. Payroll Employees
- Enrollment Enroll on BenefitConnect or call the HR Service Center
- Insurer Aflac
- Administrator Mercer Voluntary Benefits
- Group Number 23041
- Phone (Aflac) 1-800-433-3036 | Contact Aflac for claims management and to continue coverage only. Contact Mercer Voluntary Benefits for all other coverage inquiries.
- Phone (Mercer Voluntary Benefits) 1-800-274-4833 | Contact Mercer for all other non-claim and non-conversion related inquiries.
- Website www.aflac.com/chevron
- Beneficiary Designations Get started here
- Claims Email chevronclaims@aflac.com (For document submission only; no reply inbox) or to file a claim online go to www.aflacgroupinsurance.com.
- Claims Form Forms library
- Address Aflac, Attn: Claims | P.O. Box 84080 | Columbus, GA 31993-4080
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. AGC1902412 R1 EXP 10/24
This communication provides only certain highlights about benefit provisions. It is not intended to be a complete explanation. If there are any discrepancies between this communication and the legal plan documents, the legal plan documents will prevail to the extent permitted by law. Oral statements about plan benefits are not binding on Chevron or the applicable plan. Chevron Corporation reserves all rights, for any reason and at any time, to amend, change or terminate these plans or to change or eliminate the company contribution toward the cost of such plans. Such amendments, changes, terminations or eliminations may be applicable without regard to whether someone previously terminated employment with Chevron or previously was subject to a grandfathering provision. Unless required by applicable law, there are no vested rights with respect to any Chevron health and welfare plan benefit or to any company contributions towards the cost of such health and welfare plan benefits. Some benefit plans and policies described in this document may be subject to collective bargaining and, therefore, may not apply to union-represented employees.
plan documentation
contact
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