Critical Illness

Critical Illness  


You can’t predict the future, but you can plan for it. We invite you to put yourself in Good Hands with Critical Illness insurance from Allstate Benefits.


Our coverage helps offer financial support if you are diagnosed with a covered critical illness. With the expense of treatment often so high, seeking the treatment you need seems like a heavy financial burden. But when a diagnosis occurs, what you should be focusing on is getting better. With Allstate Benefits, you gain the power to take control of your health when faced with a covered event.


Key Features:

  • Guaranteed Issue coverage, meaning no medical questions to answer at initial enrollment. Please refer to the Exclusions and Limitations of the coverage
  • Coverage available for spouse and child(ren)
  • Benefits are paid regardless of any other coverage
  • Premiums are affordable and are conveniently payroll deducted
  • Coverage may be continued

Add critical illness insurance to help offset expenses that may not be covered under your employer's existing medical insurance and disability plans.


To enroll, contact the Henkel Benefit Admin System or call the number below:

Contact Us

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

How It Works


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

  • How much will my coverage cost?


    Rate chart


  • What are the benefit amounts?

    You may elect $20k for your coverage amount. You may also elect 50% of your benefit amount for covered dependents.

  • Will my rates increase as I get older?

    No. Rates will not individually increase due to age, health, or individual claims.

  • What is Critical Illness Insurance?

    Critical Illness insurance will pay you a lump sum benefit amount if you are diagnosed with any of the conditions — or require any of the procedures — noted below:

    • Cancer
    • Carcinoma in situ
    • Heart Attack
    • Coronary Artery Bypass Surgery
    • Stroke
    • Major Organ Failure
  • How do I pay my premium?

    Premiums are conveniently deducted from your paycheck.

  • Does coverage end after benefits are paid?

    If the date of diagnosis is separated by at least six months for the same critical illness and not caused by a critical illness for which benefits have been paid, the carrier will pay the additional occurrence benefit. If the date of diagnosis is separated by at least 12 months (12 months treatment free from cancer) for a different critical illness, we will pay the re-occurrence benefit. Cancer that has spread (metastasized) even though there is a new tumor will not be considered an additional occurrence unless you have been treatment-free for 12 months.

  • Will my coverage decrease as I get older?

    Your coverage will not decrease as you age.

  • Can I cover my children too?

    Children are covered at 50% the Employee’s benefit amount at no additional cost.

  • Who is eligible for Critical Illness Insurance?

    • You—all active employees working 30+ hours per week
    • Your spouse*under age 70. Coverage is available only if Employee coverage is elected
    • Your child(ren)—to age 26. Coverage is available only if Employee coverage is elected


    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

  • How do I file a claim?

    Please submit a claim on MyBenefits, by fax or by mail. You can download the claims form here and find more information about MyBenefits here.


    For questions regarding policy benefits or supporting documentation or for claim assistance, please call Allstate Benefits' Customer Care Center at 1-800-521-3535, Monday through Friday 8:00 am to 8:00 pm ET.

The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP2, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued.


Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.