Benefits at a Glance
Group Critical Illness Plan provides cash benefits when an insured person is diagnosed with a covered critical illness (July 2025 includes cancer diagnosis as a covered Critical Illness) – and these benefits are paid directly to you. The Plan provides a lump-sum benefit (up to 5x) to help out-of-pocket medical expenses and the living expenses that can accompany a covered critical illness.
The Critical Illness with Cancer Plan Provider is The Hartford.
Benefits
Hartford Covered Conditions
| Base Benefits | Additional Benefits | ||
| Heart Attack (Myocardial Infarction) | 100% | Coma | 100% |
| Sudden Cardiac Arrest | 100% | Severe Burns | 100% |
| Coronary Artery Disease/Repair | 25% | Paralysis | 100% |
| Major Organ Failure | 100% | Loss of Sight | 100% |
| Bone Marrow (Stem Cell) Failure | 100% | Loss of Speech | 100% |
| Kidney Failure (End Stage Renal Failure) | 100% | Loss of Hearing | 100% |
| Stroke (Ischemic or Hemorrhagic) | 100% | Rider Benefits | |
| Cancer- Invasive, Non Invasive Skin Cancer |
100%, 25%, $250/year |
Advanced Alzheimer’s | 25% |
| Health Screening | Advanced Parkinson’s | 25% | |
| Per Covered Member Annually | $75 (up from $50) |
Wellness Benefit
The Harford will pay $75 per covered member starting July 1, 2025.
Aflac will pay the Wellness Benefit of $50 once per adult insured, per calendar year through June 30, 2025.
Wellness tests examples are: Colonoscopy, EKG, Fasting Glucose, FPG, Stool Analysis, Mammogram, Pap Smear, PSA, Chest X-Ray, Blood test for triglycerides, etc. Harford adds Expanded Wellness Module and Immunizations Module
Evidence of Insurability- No longer needed with The Harford
Employees who enroll themselves/spouses when first eligible or during an Annual Enrollment Period, will not be subject to Evidence of Insurability/Medical Underwriting. Employees hired during the year will be eligible at the next Annual Enrollment period for coverage for Guarantee Issue. Employee/Spouse Coverage that is waived at the initial enrollment period and chooses to apply for Critical Illness at a later enrollment, may be subject to Evidence of Insurability.
Aflac ends June 30, 2025
Aflac Critical Illness Brochure
UNUM Certificate of Coverage – Employee Booklet – Old Plan
Refer to the Unum certificate of coverage for definitions, details and exact policy provisions and limitations.
Critical Illness Brochure from Unum
The Wellness Benefit Flyer for filing a Claim – can be called in to Unum Customer Service 800-635-5597. There is no waiting period on this benefit.
Conditions covered under the plan for include: Heart Attack, Coronary Artery Bypass Surgery (25% of the full benefit), Stroke, End Stage Renal (Kidney) Failure, Major Organ Failure, Permanent Paralysis as the result of a Covered Accident, Coma as the result of Severe Traumatic Brain Injury, Blindness, Benign Brain Tumor, Occupational HIV. Additional Covered Conditions for Dependent Children include:Cerebral Palsy, Cleft Lip or Palate, Cystic Fibrosis, Down Syndrome, and Spina Bifida
Plan Design
Hartford Critical Illness Brochure
Rates starting July 2025
Rates will be re-rated at the current age, and will increase (like Voluntary Life) every 10 years
| Ages | $10,000 EE and EE + CH |
$20,000 EE and EE + CH |
$5,000 SP |
$10,000 SP |
||
|---|---|---|---|---|---|---|
| 18 – 29 | $2.10 | $4.20 | $1.45 | $2.90 | ||
| 30 – 39 | $3.40 | $6.80 | $2.10 | $4.20 | ||
| 40 – 49 | $6.10 | $12.20 | $3.40 | $6.80 | ||
| 50-59 | $10.50 | $21.00 | $5.65 | $11.13 | ||
| 60 + | $17.80 | $35.60 | $9.25 | $18.85 |
Benefit Options
Employees can choose a $10,000 or $20,000 benefit.
Children will be included for 50% of the employee amount at no additional cost.
Spouse coverage is available for 50% of the employee for $5,000 or $10,000.
Guarantee Issue
Employees will receive $10,000 and $20,000 Guarantee Issue Coverage if enrolled when first eligible and during a subsequent Annual Enrollment Period.
Portability
Portability allows an employee, who has been insured under the policy, to continue Group Critical Illness coverage at group rates when employment ends/retirement. An employee must apply for coverage and pay the first premium within 31 days of the continuation event.
Certificate of Coverage
Contact and Claims
Hartford
Supplemental Health Claims Process- Accident, Critical Illness or Hospital
Aflac through June 30, 2025
Aflac Online Claims Filing, including Wellness Benefits.
You will need your personal certificate number to file the claim. Haralson County Schools Group Number is AGC 0000980250
If you have any questions, please contact our Customer Service Center at 1-800-433-3036, Monday through Friday from 8 a.m. to 8 p.m. Eastern time.
