critical illness insurance
supplemental health coverage
Group Critical Illness Insurance with Aflac is a supplemental health benefit because it provides financial assistance to enhance your current medical coverage.
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.
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, 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.
plan facts at-a-glance
recent plan changes
Things change; be sure you're informed. The documents provided 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). Be sure to review the SMM for an understanding of important plan updates.
summary plan description (SPD)
Certificate of Insurance
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.
enrollment & participation
- During open enrollment.
- During the first 31 days after you become an eligible employee.
- During the first 31 days after a qualifying life event.
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.
- 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.
- 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.
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.
- 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.
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.
- Enrolled as an eligible employee.
- Disabled or unable to work.
- Enrolled as an eligible employee.
- Disabled or unable to work.
- Enrolled for single coverage as an eligible employee.
The HR Service Center manages your enrollment in and eligibility for this benefit plan. For all other questions regarding your coverage, contact the insurer or administrator. The administrator and the insurer manage the administration of your plan — for example, claims, what's covered and what's not, certificates of insurance, and more.
group critical illness insurance plan
- Plan Type Supplemental health insurance
- Eligibility U.S. Payroll Employees
- Insurer Aflac
- Administrator Mercer Voluntary Benefits
- Group Number 23041
- Phone (Aflac) 1-800-433-3036 | Contact Aflac for claims management and to convert to an individual policy 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
- Mobile App N/A
- Claims Email firstname.lastname@example.org (For document submission only; no reply inbox) or to file a claim online go to www.aflacgroupinsurance.com
- Claim 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. AGC1902412 IV (9/19)
This page applies to U.S.-payroll employees. This page provides only certain highlights of benefits or program provisions. It is not intended to be a complete explanation. If there are any discrepancies between this communication and legal plan documents, the legal documents will prevail to the extent permitted by law. This is not a plan text or a summary plan description. There are no vested rights with respect to Chevron health care plans or any company contributions toward the cost of such health care plans. Rather, 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. Some benefit plans and policies described in this document may be subject to collective bargaining and, therefore, may not apply to union represented employees.