Cancer and Specified Diseases

  • Supplemental coverage for major diseases
    This plan includes a wellness benefit per calendar year for screening tests and provides a cash benefit for covered procedures and other care related to the diagnosis and treatment of cancer and other specified diseases. This plan pays you in addition to any other coverage you may have.You don’t need to show evidence of good health to enroll in either option.

    • This plan pays benefits directly to you for covered expenses resulting from the diagnosis and treatment of cancer and other specified diseases.
    • 12-month pre-existing-conditions exclusion and actively-at-work provisions apply.
    • You must be under age 70 to enroll.
    • The cancer and specified diseases plan offers low or high coverage options.
    • You can purchase group coverage to supplement your other medical coverage and help with out-of-pocket costs while being treated for cancer or one of many other specified diseases.
    • This plan pays benefits directly to you for covered expenses resulting from the diagnosis and treatment of cancer and other specified diseases.
    • It pays a percentage of covered expenses up to a maximum dollar limit whether you have other insurance or not.
    • Some options include a wellness benefit for annual cancer screening, medications, surgeries and related hospital stays.
    • This plan also covers non-medical expenses, including travel, wigs and prosthetics.
    • Aflac Group administers the plan.
    • No evidence of insurability is required.

    For a list of plan features, see your Cancer Low or High plan certificate.

    Who can enroll
    You must be under age 70 and not currently diagnosed with cancer or one of the specified diseases. You cannot have been treated for internal cancer or a specified disease in the last five years and have never tested HIV-positive.
    This coverage requires no evidence of insurability (EOI) for either option.

    Four coverage levels
    Choose between low or high coverage levels, then decide if you want to include an intensive care option. Compare details below.
    With the intensive care unit rider, you receive $600 per day for every day that you or any covered person is confined in a hospital intensive care unit (ICU). This benefit is limited to 30 days per period of confinement.

    You can purchase coverage for:

      • Employee only
      • Employee + spouse
      • Employee + child
      • Employee + family

    Pre-existing conditions
    New or increased disability coverage is subject to a 3/12 pre-existing condition exclusion. If you have a condition that was treated or medically advised in the three months before your coverage effective date, you are not covered for that condition for the first 12 months.

    Actively-at-work provision
    If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

    Taking coverage with you
    If you leave the district, your disability plan is convertible, unless you’re a retiree. Other exclusions may apply. For more information about conversion, click here.

    Claiming benefits
    If you or a covered member of your family requires a cancer screening procedure or is diagnosed with cancer or any of the specified diseases covered by your plan, send them in a claim form within 60 days, or as soon as reasonably possible.
    Benefits are paid to you immediately after the claim has been received and validated. All of the benefits due are paid to you unless you assign them elsewhere.

    For details, including pre-existing conditions, read your Cancer and Specified Disease Policy certificate, available here.

    If you would like to review more information, click English or Spanish

    Helpful resources
    For more information, contact Aflac Group at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays.


  • Cancer rates

  • Benefit pay levels

  • Plan features

  • 2022 Coverage Cost Comparison

    Waiver of premium

    Will waive premiums after 90 days of continuous disability due to cancer or covered specified disease

    Specified diseases benefit

    Specified diseases benefit* All of the above benefits that are available for the treatment of cancer are also available for the treatment of covered specified diseases.

    Optional ICU rider

    Low/High option: $600/day, up to 30 days

    Covered specified diseases

    Addison’s Disease
    Amyotrophic Lateral Sclerosis
    Cerebral Palsy
    Cystic Fibrosis
    Huntington's Chorea
    Legionnaire's Disease
    Meningitis (bacterial)
    Multiple Sclerosis
    Muscular Dystrophy
    Myasthenia Gravis
    Necrotizing Fasciitis
    Sickle Cell Anemia
    Systemic Lupus

    For a complete listing of covered specified diseases, see the plan certificates.