Voluntary Benefits

Group Critical Illness

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.

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.

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.

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. health insurance).

Please review the plan documents to see the full schedule of benefits including covered injuries/incidents and covered expenses.

Group Hospital Indemnity

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. 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 and coinsurance.

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

Please review the plan documents to see details on the benefit amounts.

Paulding County Hospital Indemnity Flyer
Group Hospital Indemnity Claim Form
GROUP NUMBER: AGC0001021251

Aflac Online Claim Submission Flyer

How to Continue Your Aflac Coverage

As you may recall, the Aflac coverage you chose during enrollment is portable. That means you can keep your valuable Aflac coverage even when you change jobs or retire. This includes dependent coverage that is in effect on the date your employment terminates.

To keep your coverage in force seamlessly on an individual-pay basis, simply follow theinstructions below:
• Review the Continuation of Coverage section on Aflac Group’s website: https://www.aflacgroupinsurance.com/customer-service/service-requests.aspx
• Complete the Continuation of Coverage Form in its entirety and sign and date it, within 31 days of terminating employment
• Verify your rate from your paystub, with your employer/HR department.
• If paying by monthly ACH/Bank Draft please mail completed forms to: American Family Life Assurance Company (Aflac) PO Box 84069 Columbus, GA 31908-4069. (This payment option is only available on a monthly basis.)
• If paying by check, mail the completed form along with your check to the address noted on the form. (This payment option is only available for quarterly, semi-annual, or annual payments.)
• Submit within 31 days of your termination date.

If you have any questions, please contact Aflac Customer Service Department Monday through Friday, 9:00 AM to 7:00 PM, Eastern Standard Time at 800.433.3036.

Legal Insurance

Legal is everywhere. Protect yourself and your family with legal insurance.

Have you ever stopped to think about how many events in your life have legal aspects to them? There are the joys — like having a baby or buying the house of your dreams — and the challenges — like when true love doesn’t work out or your kid gets in trouble with the law.

We are excited to offer you a benefit that is there for the legal ups and downs: legal insurance from ARAG®. With legal insurance, your Network Attorney fees are 100% paid in full for a wide variety of covered legal matters.

What does legal insurance cover?

Count on a broad range of coverage and services, like:

Wills and estate planning
Real estate and home ownership
Traffic tickets and license suspension
Disputes with a landlord
Family law matters
Small claims court
Consumer fraud
Personal property disputes
Student loan debt
Bankruptcy
Tax audit
Divorce
And more!

To see a full list of coverages available under your plan, visit ARAGLegalCenter.com and enter access code18131pcs. For any legal matters not covered and not excluded under the plan, you are eligible to receive at least 25% off the Network Attorney’s normal rate.

How legal insurance benefits you

Receive 100% paid-in-full coverage for most covered legal matters when you work with a Network Attorney.

Save an average of $2,100 per legal matter.¹

Access a nationwide network of more than 13,000 attorneys who average 20 years of experience.

Address your covered legal situations with a Network Attorney for legal help and representation.

Use DIY Docs® to create any of 350+ legally valid documents, including state-specific templates.

UltimateAdvisor Legal Insurance:

Family: $22.00 per month

Learn more and enroll

Watch a video about legal insurance.
Visit ARAGlegal.com/myinfo and enter access code 18131pcs.
Call ARAG Customer Care from 7:00 a.m. to 7:00 p.m. Central time, Monday through Friday at 800-247-4184.

Average attorney rate in the United States of $343 per hour for attorneys with 11 to 15 years of experience. “The Survey of Law Firm Economics: 2017 Edition.” The National Law Journal and ALM Legal Intelligence, October 2017. Average amount saved based upon top ARAG in-office claims and the hours spent by attorneys per 2017 ARAG Claims Data. The hours spent are multiplied by the average attorney rate (less the average annual cost of an ARAG legal plan). Limitations and exclusions apply. Depending upon a state’s regulations, ARAG’s legal insurance plan may be considered an insurance product or a service product. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne^® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-247-4184.

If your employment with Paulding County School District terminates, you are able to continue your ARAG legal plan by paying ARAG direct.

2023 ARAG Legal Insurance Brochure

ARAG Site for Legal Insurance

Aflac Term to 120 Life Insurance

Don’t leave your family unprotected, provide for them now with the Aflac term to 120 life insurance policy.

This life benefit offers a simple and affordable guaranteed issue life insurance benefit to protect the financial well-being of your family.

This coverage includes a benefit that will never decrease and rates that never increase. All coverage is guaranteed through age 120.

FLEXIBILITY TO MEET YOUR NEEDS

Employee – Coverage amounts up to $150,000
Spouse – Coverage amounts up to $50,000 (not to exceed 50% employee’s coverage)
Child – $25,000 in coverage

Includes:

Waiver of premium if you become disabled
Accelerated benefit with terminal illness and chronic conditions
Additional benefit for accidental death
PERMANENT INSURANCE PROTECTION

Once your insurance application has been approved and payroll deductions have started, the coverage is yours to keep by continuing to pay premiums. Your premium will never increase.

PORTABILITY
Take your coverage with you if you leave the company (with certain stipulations).

The cost of this coverage is based on the level of benefit you choose and your age. Please see the bswift enrollment portal to determine your specific cost.

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