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. You may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.
This policy also pays a $50 Wellness Benefit for each covered individual per year if a covered health screening is performed: blood tests, chest x-rays, stress tests, mammograms, colonoscopies. To claim your Wellness Benefit, please call Aflac at 800-992-3522.
Please review the plan documents to see details on the coverage options available including a full list of covered conditions.
Accident Coverage
Accidents can happen anytime, anywhere and to anyone. They are can cause unexpected expenses and lost pay due to time off work. The Aflac group accident policy provides protection for the unexpected. The plan provides a benefit for: ambulance rides, emergency room visits, doctors office care, burns, fractures, and even surgery. This valuable coverage is available for you and your family at low group rates.
Universal Life with Long Term Care Benefit
An interest sensitive whole life policy is available for all eligible employees ages 15 to 80 who are actively at work. You can borrow from the cash value or use it to buy a reduced policy with no more premiums due.
The premium for this policy is fixed and guaranteed for life. You are also able to purchase covferage for your spouse or term coverage for your children.
The policy includes an optional rider for Long Term Care coverage. This rider can be used to finance a LTC facility or assisted living facility.
Accidental Death Benefit Rider
Long Term Care Benefit Extension and Restoration