Voluntary Benefits- AFLAC

Aflac Group Critical Illness

Group Critical Illness with Cancer Rider

Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.  This coverage can help you offset the cost of your treatments and related medical expenses, regardless of your what your major medical plan covers. In addition, this will also cover your legal dependent children for 50% of you, the insureds, enrolled amount at no additional charge.

In general, under a Group Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit. For example, if you elect to have a $10,000 policy amount and experience a stroke you could receive the full $10,000. This benefit can be used to help offset your income, pay for deductibles and copayments, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.

In addition, the policy you elect can be used for each covered condition as long as the allowable period of time has been met between the diagnoses of each condition. Each condition is payable once per lifetime. Depending on your plan options, you may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.

$50 Health Screening Benefit: After completing a 30 day waiting period from date of enrollment, you and your covered spouse only, can each receive a health screening pay out for one of the covered health screening tests listed in the plan document brochure link below.

This is your policy, therefore coverage is portable. You can take this coverage with you if you leave or retire without having to answer health questions.

Please review the plan documents to see details on the coverage options available including a full list of covered conditions.

 

Monthly Premiums- Post Tax

AFLAC Critical Illness Rates

 

Plan Documents/ Resources

AFLAC Critical Illness Brochure

AFLAC Critical Illness Claim Form

AFLAC Critical Illness Health Screening Claim Form

AFLAC FAQ

 

 

 

 

 Aflac Group Accident

Group Accident

If you or your covered dependents experience an injury such as broken bones, torn ligaments, burns or other covered injuries due to an accident, Accident coverage can provide you with a lump-sum benefit based on the type of treatment you need. The benefits you receive may cover expenses incurred from emergency room treatment, hospitalization, surgery, medical appliances, lodging, and certain follow-up therapy services.  (These benefits are generally paid in addition to and regardless of other coverage you may have (i.e. major medical insurance)).
Please review the plan documents to see the full schedule of benefits including covered injuries/incidents and covered expenses.

  • Coverage is guaranteed-issue (which means you will qualify for coverage without having to answer health questions)
  • Benefits are paid directly to you, unless you choose otherwise.
  • Coverage is available for you, your spouse and dependent children.
  • Coverage is portable (with certain stipulations).  This means you can port this policy if you terminate employment or retire.
  • Fast claims payment.  Most are processed within 3 business days (based on claim submission process).

$50 Health Screening Benefit: After completing a 12 month waiting period from date of enrollment, you and your covered dependents, can each receive a health screening pay out for one of the covered health screening tests listed in the plan document brochure link below.

Monthly Premiums

Employee Only- $19.65

EE + Spouse- $29.45

EE + Child(ren)- $34.44

EE + Spouse and Child(ren)- $44.24

 

Plan Documents/ Resources

AFLAC Accident Brochure

AFLAC Accident Claim Form

AFLAC Accident Wellness Benefit Claim Form

AFLAC FAQ

 

 

 

Aflac Group Hospital Indemnity

Group Hospital Indemnity

This benefit is paid when a Covered Person is admitted to a hospital and stays for 24 hours or more and is confined to a bed because of injuries received in a covered accident or due to a covered sickness.

If you end up in the hospital due to an illness or injury for several days, you may be concerned with how you will pay for those unexpected medical expenses. Hospital Indemnity coverage can help you pay for costs associated with hospitalization, outpatient surgery, and diagnostic procedures. This benefit is designed to help pay the out-of-pocket expenses. This benefit is designed to help pay the out-of-pocket expenses your health insurance may not cover such as deductibles, co-payments and coinsurance. Please review the plan documents to see details on the coverage options available including a full list of covered conditions.

Benefits are generally paid in addition to and regardless of other coverage you may have (i.e. major medical insurance).

Monthly Premiums

Employee Only- $23.70

EE + Spouse- $ 46.60

EE + Child(ren)- $33.75

EE + Spouse & Child(ren)- $56.65

 

Hospital Confinement (Per day): Paid out first day- $250

Hospital Admission (Per Confinement): Paid out first day- $1,000

Hospital Intensive Care (Per Day): $250

Example: If you are admitted to the hospital, the first day you could receive a $1,250 paid benefit. If you are admitted to Intensive care the first day, you could receive a $1,500 paid benefit.

 

Plan Documents/ Resources

AFLAC Hospital Indemnity Brochure

AFLAC $1000 Admission Information Brochure

AFLAC Hospitalization Claim Form

AFLAC FAQ

 

This website is brought to you by ShawHankins.
The information contained on this website is intended for general purposes only. It is an abbreviated overview of the benefit plans. Please refer to the Certificate Booklet (the contract) available from the plan carriers for complete details. Your Certificate Booklet will provide detailed information regarding copayments, coinsurance, deductibles, exclusions and other benefits. The Certificate Booklet will govern should a conflict arise related to the information contained in this website. The information contained in this website does not establish eligibility to participate in or receive benefits from any benefit plan. Please note the links to any external websites are provided simply to assist our employees with convenient access. ShawHankins is not liable for the information provided on any of the external websites provided.