Allstate Benefits. Group Voluntary Critical Illness

Transcription

1 Allstate Benefits Group Voluntary Critical Illness

2 Customer Philosophy You re in Good Hands Allstate is a customer focused organization. That means that we always have the customer in mind when we make decisions, design processes and work with each other. Our decisions and actions all influence the way customers experience Allstate. Uniting our focus on behaviors that matter most to consumers is exactly what we need to do to prove Allstate is not like other insurance companies. Our brand promise is to bring good to people s lives every day. This requires us to live our brand attributes: Do the right thing If it s a coin toss, the customer always wins Put people ahead of policies Imagine yourself in their situation Defy expectations Deliver what people wouldn t imagine from an insurance company We know that the best brands and companies don t settle for satisfactory they dare to be great. That s what we do everyday.

3 Group Critical Illness Men have a 1 in 2 chance of developing cancer in their lifetime; women have a 1 in 3 chance * About every 29 seconds an American will suffer a coronary event ** 795,000 people in the U.S. will have a stroke this year, an average of one every 53 seconds ** *American Cancer Society, Cancer Facts and Figures, 2012 ** Heart disease and stroke statistics 2012 update: a report from the American Heart Association.

4 Group Critical Illness 2 Coverage Provides a lump-sum cash benefit to help cover out-of-pocket expenses associated with a critical illness BENEFITS Initial CI Heart Attack Stroke Coronary Artery Bypass Surgery Major Organ Transplant End Stage Renal Failure Premium Waiver Supplemental CI Advanced Alzheimer s Advanced Parkinson s Benign Brain Tumor Coma Complete Blindness Complete Loss of Hearing Paralysis Cancer CI Invasive Cancer Carcinoma in situ Second Event CI Second Event Cancer

5 Group Critical Illness 2 Features Guaranteed Issue for Employee, Spouse and Child in ALL enrollment years Guaranteed Issue: Employee, Spouse and Child up to $30,000 Children covered for no additional premium Premiums based on age and benefit amount Tobacco and non-tobacco rates

6 Group Critical Illness 2 Features Coverage for employee, employee + spouse, employee + child(ren) or entire family Coverage is portable Premiums increase with age No benefit reduction in 1st year or at any age No waiting period for benefit amount to be paid

7 Claim Story Acute Critical Illness Claim Example John wakes up in the hospital. He doesn t remember how he got there, but a doctor explains that he suffered a heart attack and his family called 911. $10,000 Critical Illness Insurance Benefit* from Allstate Benefits Which he can use toward his major medical bills, costs of ongoing treatment or other related expenses. 1 Source: American Heart Association ( *This is an example of the total benefits that might be paid. The example shown may vary from the coverage offering. Individual experience may also vary. With Good Hands protection from Allstate Benefits, John can recover easier, knowing that he has help with his medical costs.

8 Online Claim Resources MyBenefits Website 24/7 Customer Service Coverage & benefits information Claims submissions & status updates Address changes & more Automated Claims Processing Auto claims paid next day Average five day max turnaround time when review is required Self-Service Online Resource

9 Customer Care Center Service Availability Response Time Resolution Bilingual Assistance Our tenured, dedicated Customer Care team is ready to help service customers needs The Customer Care Center is available Monday - Friday from 8 a.m. to 8 p.m. ET Calls are answered in 45 seconds or less Customer Care representatives strive for one-call resolution Bilingual representatives available to assist Spanish-speaking employers and employees