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Aflac Insurance: Immediate Cash Benefits for Accidents and Illnesses

Aflac provides cash benefits for accidents and illnesses, offering reassurance and control when life throws unexpected challenges your way. With personalized policies, we aim to help you get back on your feet. Discover the real Aflac difference.

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Aflac Insurance: Immediate Cash Benefits for Accidents and Illnesses

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  1. Hi

  2. Hi In case of an accident or illness, it’s reassuring to know you have a poised and compassionate friend in Aflac. Immediate and responsive, our policies help give you control when life seems to take it away. Cash benefits…personally owned and managed…to help you get back on your feet…that’s the real Aflac difference. Aflac…if only everything in life worked this well.

  3. Today

  4. Mount Paran Church of God Clayton County BOE Kennesaw State University Cobb Galleria Reynolds Plantation First Bank of Georgia Northwest Georgia Bank City of Atlanta City of Smyrna Children’s HealthCare of Atlanta Omni Hotel Riverside Toyota Spa Sydell Zaxby’s Wal-Mart GIW Industries The Proof of Our Ability is Who We Are Associated With…

  5. What I will do for you… • Answer any and all questions from your employees about Aflac (they call me, not you) • File all claims for your employees…you are not a number to us. • You and your employees have my cell phone number…I am always here for you. • Educate and sign up each employee for Aflac benefits • Have each employee sign a PDA and a SRA • Aflac will handle all plan documents for the cafeteria plan at no cost to the employer • Put together the best package of plan options for your employees.

  6. No Cost to the Company When was the last time you could improve your employee benefit package at NO COST to your company? No Administrative Burden The entire process is handled by Aflac: education of employees, enrollment paperwork and ongoing servicing. Attract Better Employees Providing more benefit choices allows your company to better compete for the best employees. Reduce Turn-over Costs Providing more benefit choices encourages good employees to stay, reducing recruiting and training costs. Reduce Workers’ Comp Claims Removes the incentive to claim off-the-job injuries as on-the-job. Reduce the Need to Ask for an Advance Aflac benefits provide cash to your employees and their families in their time of need. Therefore, they may not need to ask for a loan or advance on pay. It also reduces the unfortunate need to “pass the hat” for a family in need. Show the Company Cares Offering a comprehensive benefits program with many choices shows that you care about employees and their families. Over 375,000 Employers Offer Aflac Benefits.Here’s Why…

  7. Common Features Of All Plans • Guaranteed-renewable for life • Portable, with no change in coverage or cost after one month’s payment on payroll deduction • Benefits paid regardless of any other insurance, you may have • Claims paid directly to the insured, unless otherwise assigned

  8. Aflac’s Personal Accident Indemnity Plan Policy benefits include: • Emergency Room benefits of $120 for the insured and spouse, $70 for each child. • Accident follow-up treatment benefit of $35 per day up to a maximum of six treatments per covered accident. • Initial Accident Hospitalization benefit of $1,000 for a 24 hour overnight stay payable once per calendar year per covered person, $2,000 if admitted directly to ICU. • Accident Hospital Confinement benefits of $250 per day: and additional benefit of $400 per day if person is confined in an intensive care unit (maximum of 15 days per covered accident for ICU) • · Specific Lump-Sum injury benefits from $35 to $12,500 based on the type of injury • Family Lodging benefit of $125 per night for a motel/hotel room to accommodate an immediate family member if accident occurs more than 100 miles from the residence of covered person. • Transportation benefit of $600 per trip to the hospital if special treatment and confinement in a hospital is required located more than 100 miles from the residence of the covered person. • Ambulance, Blood and Plasma, Physical Therapy, Prosthesis and Appliance, along with Accidental-Death and Dismemberment benefits included. • Also included is a Wellness Benefit of $60 for the insured or any one family member to undergo routine examinations of other preventative testing.

  9. Aflac’s Maximum Difference Cancer Indemnity Plan Policy benefits include: • Initial treatment benefit of $3000 with first treatment of radiation or chemotherapy • Hospital Confinement benefits of $300 to $600 per day depending on the plan and length of stay. • Radiation and Experimental treatment benefits of $500 per week. • Chemotherepy benefits of up to $900 per week. • Nursing Services up to $150 per 24-hour day. • Surgical/Anesthesia benefits of charges up to $6,250 in or out of the hospital. • Skin Cancer Surgery benefits of $50 - $600 depending on procedure performed. • Prosthesis, surgical of $3,000; non-surgical of $250. • In-hospital and Outpatient Blood and Plasma, $150 to $250 per day. • Transportation (over 50 miles) to include personal auto and commercial travel of 50 cents per mile (commercial limited to $1,500 per round trip). • $80 per night lodging benefit • Bone Marrow Transplantation benefits of $1,000 for the donor, $10,000 for patient. • Additional benefits for Ambulance, Nursing Services Extended Care Facility, Hospice, Home Health Care • Optional First Occurrence benefits of $2500, $5000, $7500 and $10,000 includes annual $500 per year building benefit. • Optional wellness screening benefits of $50, $75, $100, or $125 per covered person per calendar year

  10. Aflac’s Catastrophic ProgramPersonal Hospital Intensive Care Policy benefits include: • Daily Hospital Intensive Care Unit benefit of $700-$800 per day for the first 7 days. • Daily Hospital Intensive Care Unit benefit of $1,200-$1,300 per day for days 8 -15. • Benefits are payable up to 15 days per Period of Confinement. • Daily Sub-Acute Intensive Care Unit (Step-Down Units) benefits of $350 per day for the first 15 days or Days 16-30 in Hospital Intensive Care Unit Period of Confinement. • Human Organ Transplant Benefits of $25,000 per occurrence for kidney, liver, heart, heart-lung, lung or pancreas transplants with No Lifetime Maximum. • Ambulance benefit of up to $250 for ground transfer limited to two trips per confinement. • Ambulance benefit of up to $2,000 for air transfer limited to two trips per confinement.

  11. Aflac’s Personal Disability Income Protector Plan Policy benefits include: • Benefit periods of 3, 6, 12 or 24 months. • Elimination periods of 0/7, 0/14, 7/14, 0/30, 30/30, 60/60, 90/90 or 180/180 for Accident/Sickness. • Disability income from $500 to $5,000 per month. • Definition of Total Disability: “A continuing inability to perform the material and substantial duties of your full-time job” you must also be under the care and attendance of a physician for your condition. • Pre-Existing Condition Limitation: “A sickness or an injury, for which medical advice or treatment was recommended by a physician within the 12-month period before the effective date of the coverage. Pre -existing conditions that occur more than 12 months after the effective date of coverage will be covered. Illnesses, diseases or disorders that are medically treated or diagnosed within the 30-day period after the effective date will not be covered for 12 months from the effective date of coverage.”

  12. Aflac’s Personal Sickness Indemnity Plan Highlights of the plan include: • Three levels to choose from to accommodate all family needs. • Hospital Confinement Benefit for days 1 through 180. • Benefits for physician visits payable for sickness, accidents. • Initial Hospital Benefit can be increased with additional units up to a total benefit of $1,000 for the 1st 24 hours. • Major Diagnostic exams including: CT scans, EEG, Myelogram, Arteriogram, MRI, Thallium stress test and Angiogram. • Surgical Benefit ranging from $100 to $2,000 based on the Schedule of Operations. • Ambulance benefit: $100 for ground and $1,000 for air ambulance. Pre-Existing Condition Limitation: “A sickness for which, within the 12-month period before the effective date of the coverage, medical advice or treatment was medically recommended or received from a physician. Care or treatment caused by a preexisting condition will not be covered unless it begins more than 6 months after the effective date. Illnesses, diseases or disorders that are medically treated or diagnosed within the 30- day period after the effective date will not be covered for 6 months from the effective date of coverage.”

  13. Aflac’s Hospital Protection Plan Policy benefits include: • Hospital Sickness confinement of $400 per day for days 1-5. • Hospital Accident confinement benefit of $500 per day for days 1-5. • Annual hospitalization confinement benefit limited to a total of five days per calendar year. • Daily Hospital Confinement Benefit of $100 per day. • Rehabilitation Unit Benefit of $100 per day, limited to 15 days per period of hospital confinement. • Invasive Diagnostic Exams Benefit pf $100 • Surgical Benefit of $50-$1,000 when a surgical operation is performed. • Outpatient Surgical Room Charge Benefit of $100-$300.

  14. Aflac’s Specified Health Event Protection Plan Policy benefits Include: • First-Occurrence benefit of $5,000 for insured and spouse and $7,500 for children • Transportation and Lodging benefits • Reoccurrence benefit of $2,500 • Ambulance benefit of $250 ground and $2,000 air. • Hospital Confinement benefit of $300 per day. • Continuing Care benefit of $125 per day. • Secondary Specified Health Event benefit of $250. • Building Benefit Rider • Event Recovery Benefit Rider • HOSPITAL INTENSIVE CARE BENEFITS – Plan Two.

  15. Aflac’s Life Protector Plan Policy benefits include: • Face amounts up to $200,000 (whole and term) • Face amounts up to $100,000 over age 50 • Return of Premium option on select plans Whole Life • $10,000–$200,000 face amounts. • Built-in waiver of premium benefit. • Accelerated death benefit. • Accidental death rider available. • 10-year spouse term life rider. • Optional child rider. Term Life • $10,000–$200,000 face amounts. • Choice of 10, 20, and 30 year term periods • Spouse/child rider. • Accidental death benefit rider/ waiver of premium benefit. • Exchangeable to whole life prior to age 65. Juvenile Life • Face amounts: $10,000 - $20,000. • Exchangeable to whole life.

  16. Aflac’s Vision Now Plan Policy benefits Include: • Eye Examination Benefit of $35. • Flexible Vision Correction Benefit. • Specific Eye Diseases/Disorders Benefit of $1,000. • Eye Surgery Benefit of $50-$1,500. • Permanent Visual Impairment Benefit of $750-$10,000. • Freedom to choose any eye-care provider

  17. Aflac’s Voluntary Dental Plan AFLAC’s Voluntary Dental insurance is a unique schedule-based policy that can be purchased as a primary dental plan or to your supplement your existing dental program. • Benefits can be paid directly to you or a provider and premiums qualify for Section 125. Important Features: • Wellness levels to choose from: $25 or $50 and are payable twice per covered insured • Benefit schedules to choose from providing benefits ranging from $10 - $950 depending • on the level chosen. • Other Diagnostic benefits such as Emergency and Limited oral evaluations and diagnostic tests. • Adjunctive Services benefits such as Palliative (emergency) treatment of dental pain, general anesthesia and hospital call. • Other Preventive benefits such as Sealant and Space maintainer. • Basic Restorative benefits such as Amalgam fillings and Resin-based composite fillings. • Periodontic benefits such as Gingivectomy or Gingivoplasty, Osseous surgery and Root planning. • Repairs and Adjustments to Prosthetics benefits such as adjust complete denture, reline dentures, re -cement fixe d partial denture. • Oral Surgery benefits such as tooth extractions, removal of impacted tooth, maxillary sinusotomy for removal of tooth fragment or foreign body. • Major Restorative benefits such as Inlays, Onlays, Crowns, Pin retention, Core buildup. • Endodontic benefits such as Pulp Cap, Root canals, Apicoectomy/Periradicular surgery. • Removable Prosthetic benefits such as Dentures and Partial dentures. • Fixed Prosthetic benefits such as Endosteal implants, Pontics, Core buildup for retainer. • Dependent Children Orthodontic Rider is available. Common features of all plan levels: • · No deductible for AFLAC’s benefits. • · Choose your own dentist without restriction. • · No precertification is required.

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