BENEFITS FOR EMPLOYEES--AFLAC Supplemental Insurance  AFLAC Web Site

There are several insurance plans available through Payroll Deduction: Cancer, Intensive Care, Hospital Indemnity, Accident, Short Term Disability, Personal Recovery Plus, Dental Insurance and Personal Sickness Indemnity. Each plan is briefly described below. All AFLAC plans pay regardless of other insurance. Payroll rates may be continued when employment terminates if premium has been deducted for one month or more. The policies are guaranteed-renewable for life; rates may be changed only by class. You may choose Family or Individual coverage.  Also remember that AFLAC premiums are eligible for the tax benefits of the “flex” plan.  

CANCER The American Cancer Society estimates that one out of every three Americans now living will eventually have cancer. They also estimate that nearly 100,000 more lives could be saved through early detection and treatment. But, cancer treatment is expensive. Even if you have excellent health insurance, it probably will not cover 100% of the medical costs of cancer, much less the multitude of indirect expenses usually incurred with a serious cancer illness. Our Cancer Expense
Protection Policy provides benefits to assist you in meeting the high cost of cancer treatment. Some important features of the plan are:
         Wellness Benefit per covered person per year
         Transportation and Lodging Expenses if only available treatment is more than 100 miles from your home
         Hospice and Home Health Benefits
         Pays regardless of other insurance
         Optional plans available to suite your needs

INTENSIVE CARE If a member of your family is critically ill or injured – or if they have a heart attack – they will probably be taken to a Hospital Intensive Care Unit (ICU) or Coronary Intensive Care Unit where complex equipment and specially trained personnel can provide the necessary treatments. These Units are among the most expensive hospital facilities. Our Hospital Intensive Care policy is designed to provide benefits to help meet these expenses. It pays…regardless of other insurance or the actual charges…when you or a covered member of your family is in Intensive Care, Coronary Intensive Care or Neonatal Intensive Care. Some important features of the plan are:
         Ambulance trip to Intensive Care Unit Benefit
         Organ Transplant Benefit

HOSPITAL INDEMINITY In 1991, the average length of a hospital stay was 7.2 days. In 1990, the average cost per stay increased 167T to $4,947. Source: HIAA Source Book of Health Insurance Data, 2991 & 2992. AFLAC’s Hospital Confinement Indemnity Insurance Policy was designed to help cover the rising costs of hospital confinement. Some important features of the plan are:
         Pays from the very first day of hospitalization
         Wellness Benefit
         Heart Attack, Stroke, Coma and Paralysis Benefit
         Ambulance Benefit
         Surgical Benefit
         Short-Stay Benefit

ACCIDENT Accidents can happen to anyone, anywhere, anytime…no one is immune. Some of the important features of this plan are:
         Accident Emergency
         Treatment Benefits
         Accident-Death Benefit
         Wellness Benefit
         Ambulance, Transportation and Family Lodging Benefits

PERSONAL RECOVERY PLUS Medical science and early, fast detection have increased survival rates for many serious medical conditions. AFLAC provides the financial assistance to help you get back on your feet if you are faced with expensive treatment and loss of income for any of the following specified health events: Heart Attack, Stroke, Coronary Artery Bypass Surgery, Paralysis, Major Third Degree Burns, Coma, End Stage Rental Failure, Major Organ Transplant. You use the money as you see fit at a time you need it the most: to pay bills, to replace lost paychecks, to help offset any left-over medical expenses. Some of the important features of the plan are:
         First Occurrence Benefit paid immediately upon diagnosis
         Reoccurrence Benefit for each specified health event 180 days after initial diagnosis
         Hospital Confinement Benefit
         Continuing Care Benefit for 60 days within 180 days of each occurrence
         Waiver of Premium after 90 days if unable to work or perform two ADL(s) until recovered

PERSONAL SICKNESS INDEMNITY PLAN Major medical deductibles and co-pays are often more than an employee expects. The Personal Sickness Indemnity Plan provides benefits to the employee in many areas:
         Physician Visits
         Initial Hospitalization
         Hospital Confinement
         Major Diagnostic Exams
         Surgical

VISION INSURANCE  AFLAC offers a vision policy to assist with charges associated with examinations, glasses, and other services.  

For Wellness Benefit information and claims procedures, click here

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