The NCFlex Critical Illness Plan is administered by Voya. It pays out a lump sum benefit to you or your covered family member if you are diagnosed with a covered condition on or after your start date on the plan. Below are a few highlights of the plan: 

• Choose between $15,000, $25,000 or $40,000 lump sum benefit. Some covered conditions payout a percentage of the max lump sum.
• Pays a lump sum for major medical conditions at diagnosis including heart attack, stroke, cancer and many others.
• Guaranteed issue – no health questions or evidence of insurability required.
• Rates for you and your spouse are based on your age as the employee.
• Unmarried children up to age 26 may be covered at no cost but must be added to the plan.
• This plan includes a Wellness Benefit and COVID-19 rider.
• Some benefits have a time limit to file, so be sure to file as soon as possible!  
  • The time limit to file a Wellness Benefit is 180 days after the screening is performed or by the end of the plan year (12/31), whichever is later.
• If you leave the state or retire prior to age 70, this plan is portable at the same rate you would pay as an employee. 

Learn how to file a Critical Illness Claim* or Wellness Claim*

*You may only file claims for accidents or wellness screenings that occur while covered by the plan. Claims should be filed directly with Voya.  Supporting documentation must be included.  For questions, contact LifeHelp.

For any diagnosis claims prior to 1/1/2023, these should be filed with Allstate instead of Voya.  The Wellness benefit did not begin until 1/1/2023, therefore no Wellness claims are eligible on this plan prior to that date.  

Plan Information