Critical Illness Coverage

Overview of the critical illness benefits available as part of ERIE's benefits package.

Download Critical Illness Chart


Critical Illness Coverage

Provider: Aflac

Critical illness insurance pays a lump-sum cash benefit directly to you following the diagnosis of a covered critical illness, which includes but is not limited to heart attack, sudden cardiac arrest, cancer, stroke, advanced Parkinson’s disease and benign brain tumor.

You receive cash benefits directly (unless otherwise assigned) to help pay bills related to treatment or to use for everyday living expenses.

Eligibility: You can cover yourself and your spouse. This coverage automatically includes eligible dependent child(ren) under the age of 26.

  • Guaranteed issue benefit amounts for an Employee of $10,000 or $20,000.
  • A spouse is guaranteed issue for 50% of the Employee’s benefit.
  • No pre-existing condition limitation or waiting period. (Please note there are specific Cancer Diagnosis Limitations and Exclusions. Aflac will only pay claims for covered illnesses or injuries that occur on or after the coverage date of the plan.)
  • Health screening benefit of $50 paid for health screening tests performed as part of preventive care (once per year for a covered Employee and spouse).
  • Election of the Group Critical Illness Insurance plan is voluntary, and premiums are paid with after-tax contributions. 

See the Aflac Group brochure for complete details at aflac.com/erieinsurance.

Employee Coverage (Automatically includes eligible dependent child(ren) under the age of 26.)

Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Dependent Benefit: $5,000
Employee Benefit: $20,000
Dependent Benefit: $10,000
Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Dependent Benefit: $5,000
2026 Employee's Cost/Month
Employee Benefit: $20,000
Dependent Benefit: $10,000
2026 Employee's Cost/Month
Age Range at the Beginning of Plan Year
18-24
Employee Benefit: $10,000
Dependent Benefit: $5,000
$4.46
Employee Benefit: $20,000
Dependent Benefit: $10,000
$7.42
Age Range at the Beginning of Plan Year
25-29
Employee Benefit: $10,000
Dependent Benefit: $5,000
$5.72
Employee Benefit: $20,000
Dependent Benefit: $10,000
$9.92
Age Range at the Beginning of Plan Year
30-34
Employee Benefit: $10,000
Dependent Benefit: $5,000
$6.62  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$11.70
Age Range at the Beginning of Plan Year
35-39
Employee Benefit: $10,000
Dependent Benefit: $5,000
$8.58  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$15.62
Age Range at the Beginning of Plan Year
40-44
Employee Benefit: $10,000
Dependent Benefit: $5,000
$10.72  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$19.92
Age Range at the Beginning of Plan Year
45-49
Employee Benefit: $10,000
Dependent Benefit: $5,000
$11.40  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$21.28
Age Range at the Beginning of Plan Year
50-54
Employee Benefit: $10,000
Dependent Benefit: $5,000
$20.06  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$38.60
Age Range at the Beginning of Plan Year
55-59
Employee Benefit: $10,000
Dependent Benefit: $5,000
$18.76  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$36.00
Age Range at the Beginning of Plan Year
60-64
Employee Benefit: $10,000
Dependent Benefit: $5,000
$31.88  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$62.24
Age Range at the Beginning of Plan Year
65+
Employee Benefit: $10,000
Dependent Benefit: $5,000
$67.94  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$134.36

Employee & Family (Coverage includes spouse and eligible dependent child(ren) under age 26.)

Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
2026 Employee's Cost/Month
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
2026 Employee's Cost/Month
Age Range at the Beginning of Plan Year
18-24
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$7.46  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$11.88
Age Range at the Beginning of Plan Year
25-29
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$9.34  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$15.64
Age Range at the Beginning of Plan Year
30-34
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$10.68  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$18.32
Age Range at the Beginning of Plan Year
35-39
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$13.62  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$24.20
Age Range at the Beginning of Plan Year
40-44
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$16.84  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$30.64
Age Range at the Beginning of Plan Year
45-49
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$17.86  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$32.68
Age Range at the Beginning of Plan Year
50-54
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$30.86  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$58.66
Age Range at the Beginning of Plan Year
55-59
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$28.90  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$54.76
Age Range at the Beginning of Plan Year
60-64
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$48.58  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$94.12
Age Range at the Beginning of Plan Year
65+
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$102.68  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$202.30