Health Care Coverage (Life, Health & Accident Insurance)

Short-Term Disability

Short-Term Disability (STD) insurance can be paid by either the employer or the employee. It provides a source of income if the coverage person becomes disabled due to a covered injury, illness, or mental health condition. A policyholder's spouse and dependents are not eligible for coverage on the disbaility policy.

Features: 

• Monthly benefit amounts $500 - $6,000 (subject to income requirements)
• Guaranteed-issue options available with monthly benefit amounts up to $5,000 (subject to income requirements) and three or six month benefit periods.
• Portable coverage.

Hospital Confinement Indemnity

Hospital Confinement Indemnity helps ease the financial burden of hospital stays due to a covered accident or illness or mental illness facility stays due to a mental illness by providing cash benefits.

Hospital Indemnity coversage includes a wide variety of benefits that relate to a person's hospital or mental illness facility confinement, treatments received while confined, and various other benefits not requiring a confinement.

Features:

• $500 - $2,000 hospital confinement benefit.
• Medical diagnostic and imaging benefit.
• Surgical, hospital and emergency room benefits.
• Ambulance benefit.

Aflac Dental Insurance (Supplemental Plan)

The Aflac Dental Insurance - Supplemental Plan provides benefits for periodic checkups and cleanings, x-rays, filings, crowns and more. Aflac only requires policyholders to meet waiting periods once; however, if the policy lapses and is reinstated, all waiting periods start over.

Features:

• Guaranteed issue options.
• Gurarnteed renewable for life.
• No network.
• No precertification requirements.
• No annual deductible.
• Optional Orthodontic Rider.
• Optional Cosmetic Benefit Rider.

Aflac Dental Insurance (Network)

Aflac Dental Insurance plans are flexible, affordable dental coverage with more than 275,000 access points across the U.S.

Features: 

• Standard and custom plan designs.
• Preventive and diagnostic services covered at 100%.
• Includes basic and major services.
• Optional orthodontia benefit.

Aflac Vision Insurance (Supplemental Plan)

The Aflac Vision Insurance - Supplemental Plan helps with costs of eye exams, treatments and vision-correction materials.

Eye exams are not subject to a waiting period, meaning eye exams are payable during the first 30 days of coverage. The Eye Examination Benefit pays for an eye examination performed by an optometrist or ophthalmoogist.

Features:

• Three vision correction benefit options.
• Comprehensive eye-care benefits.
• Specific eye disease/disorders benefit.
• Eye surgery benefit.
• Permanent visual impairment benefit.
• No coodination of benefits.

Aflac Vision Insurance (Network)

Aflac Vision Insurance plans offer comprehensive vision benefits accessible through an extensive network of independent providers and national retailers.

Features:

• Standard plan designs for accounts with 3-99 lives.
• Custom plan designs available for accounts with 100+ lives.
• Low or no co-pay for eye exams.
• Frame allowance ranges from $100-$230 based on plan design: allowance increases by $50 when Visionworks frames selected.

Accident

Aflac's Accident plans help reduce the financial impact of a covered accident by providing cash benefits. Aflac Accident plans are designed to provide policyholders with benefits throughout the different stages of care. Policyholders can submit accidentclaim forms along the way, such as claims for emergency treatment, hospitalization, follow-up visits, and therapy.

Features: 

• Four levels of coverage which all provide benefits for injuries such as fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries and surgical procedures.
• Organized sporting activity benefit provides an additional benefit payout for injuries sustained while playing an organized sport.

Cancer/

Specified - Disease

The Cancer/Specified Disease plans help with the costs of cancer treatment. The plans offer a broad definition of cancer that is designed to provide multiple benefits.

Features:

• One rate for all ages on recently introduced plans.
• Dependent children are covered at no additional cost.
• Several plan options.
• Guaranteed renewable for life.

Critical Illness/Specified Health Event

Critical Illness/Specified Health Event plans help with the costs of treatment if you experience a covered health event, such as a heart attack, stroke or paralysis.

Features:

• Three coverage options.
• First occurence and subsequent specified health event coverage.
• Continuing care benefit.
• Ambulance, transportation and lodging benefits.
• Waiver of premium and continuation of coverage benefits.

Lump Sum Critical Illness (LSCI)

Lump Sum Critical Illness (LSCI) is designed to provide a lump sum payment to assit with costs associated with covered critical illness events. The benefits are payable as a lump sum, once per person, per lifetime, excluding subsequent event coverage.

Features: 

• Guaranteed issue available to all applicants for $10,000 of coverage.
• Dependent children are covered at no additional cost.
• Guaranteed renewable for life. (Benefits reduce by 50% at age 75)
• HSA-compatible option available.

Whole Life

Whole Life Iis often referred to as " permanent insurance" because it never expires, as long as premium payments are maintained. Whole Life insurance builds cash value and may help provide the insured with the "peace of mind" that as long as premium payments are maintained, he or she will always be insured.

Features: 

• The policy/certificate can be purchased after tax only. 
• Policies/certificates can be transferred from payroll to direct with no change in rates.
• Permanent coverage that builds cash value.

Term Life

Term insurance provides coverage for a specific length of time. If the policy/certificate holder dies during the term, the death benefit is paid in full. For the 20 and 30 year term options, if the policy/certificate holder does not die and the term has been reached, the policy/certificate will either terminate, can be renewed for another term,  or can be converted to a Whole Life policy or certificate. The 10 year term options also provides the ability for conversion.

Features: 

• Policy/certificate holders can take the coverage with them (bank draft or direct bill) if they change jobs or retire.
• You may focus onb the to increase the total amount of life insurance coverage and to enhance group coverage with an Aflac policy or certificate, whether through Whole Life, Term Life, or a combination of the two. 

Juvenile Life

Aflac's Juvenile Term Life insurance policy is designed to provide protection for people ages 14 days through 25 years. Age 14 days means the latter of 14 days or the date realeased from the hospital after birth. Juvenile Term and Whole life offer varying face amounts $10k, $20k, or $30k.

Features: 

• Juvenile Life plans are available via payroll deduction and direct billing.
• Grandparents are eligible to purchase Juvenile Life policies for their grandchildren. Additional forms and parent or guardian authorization, and even authorization from the child in some cases, may be required.
• A juvenile Term life policy can convert to a Whole Life policy up to double the face amount on the policy anniversary date after the insured's 25th birthday, only at the end of the term, if requested.
• Whole Life face amount doubles at policy anniversary following 18th birthday with no increase in premium.