AllState Group Insurance Plans

Allstate Workplace Division's group voluntary products have minimum participation requirements and may vary by product.

Group Term Life Insurance

Term Life Insurance coverage can ease the financial burden brought upon by the death of a family's primary provider. Accidental Death and Dismemberment can be added and provides benefits in the event of death or loss of limb resulting directly or independently of all other causes from accidental bodily injury.

Provides Term Life Insurance for the employee and their dependents. Coverage is in addition to any coverage already provided by your employer.

Group Universal Life Insurance

Universal Life Insurance coverage provides a death benefit and over time, provides tax-deferred fund value accumulation that my be used for retirement, children's education, or emergencies.

Contingent Guarantee Issue Group Universal Life Insurance Coverage is available to employees of qualified groups. Several Riders are also available. This is in addition to any coverage already provided by the employer.

Short Term Disability

Short Term Disability Coverage provides monthly benefits for a period of up to 26 weeks.

It provides a source of income if the insured can't work because of a covered sickness or off-the-job injury. Benefit amounts can be chosen in $100 increments form a weekly benefit of $400 up to $2500 or 60% of earnings, which ever is less. Payment periods are offered for 3, 6, 12, and 24 months at a 1 year guaranteed rate.

Long Term Disability

Long Term Disability coverage provides monthly benefits for an extended period of time.

It provides a long term source of income if the insured can't work due to a covered sickness or injury. Benefit amounts can be chosen in $100 units from $400 to $6000 or 60% of earnings, whichever is less. Rates are age banded and are the same for both males and females. Maternity is covered the same as any other illness and the plan also offers Partial Disability benefits, Waiver of Premium and Recurrent Disability benefits.

Critical Illness

Critical Illness Coverage pays lump sum benefits directly to the insured at the time a covered illness is diagnosed.

It pays a lump sum directly to the insured, at the time of diagnosis, for heart attack, stroke, heart transplant and other threatening conditions as defined in the certificate. Benefit payments can be used to pay direct and indirect expenses including, but not limited to, lost income, travel, childcare, prescription drugs, mortgage payments, and home healthcare. Options are available for cancer, wellness, and recurrence benefits.

Cancer and Specified Disease

Cancer and Specified Disease pays benefits that can be used for non-medical related expenses that health insurance may not cover as a result of cancer and 29 other specified diseases.

Heart & Stroke Insurance - Pays benefits that can be used to cover expenses health insurance may not cover. The benefits are paid as the insured goes and corresponds with specific treatments and expenses (up to the maximum allowed). Coverage also pays in addition to other policies the insured might have such as medical or disability. Some of the benefits include: Hospital Confinement Physician's Attendance, Inpatient Drugs and Medicine, Heart Transplant and Coronary Angioplasty. The Heart & Stroke policy helps the insured manage the high expenses of treatment to preserve their savings and protect them from financial hardship, allowing them to focus on getting better.

Accident

Accident Coverage pays lump sum benefits for on- and off-the-job accidents, in addition to existing medical coverage.

It pays lump sum benefits for on- and off-the-job accidents. This plan provides 24 hour accident benefits for dislocations, fractures, loss of limbs, and death as a result of an accident. Hospital, Intensive Care and other medical expenses are covered in the Accident plan.

Hospital Indemnity

Referred to as SHOP (Supplemental Health Options Policy), pays predetermined amounts for covered hospital, outpatient, nursing, transportation and physician services.

It pays lump sum benefits for on- and off-the-job accidents. This plan provides 24 hour accident benefits for dislocations, fractures, loss of limbs, and death as a result of an accident. Hospital, Intensive Care and other medical expenses are covered in the Accident plan.

Group Indemnity Medical

A limited benefit supplemental hospital indemnity policy available to employees of qualified groups.

A Group Limited Benefit Plan with Indemnity Schedule Benefits combined with PPO access and savings for patients. Choice of pre-packaged plans. Coverage available for employee or employee and family.

Group Vision

A Group Limited Benefit Plan that provides benefits for vision care, with an affordable co-pay schedule for Preferred Providers and one for Providers of your choice that are not on the Preferred list.