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.
Hi
Today
The Proof of Our Ability is Who
We Are Associated With…
• 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
We expect the unexpected.
Aflac provides a financial safety net when it’s needed the most!
EXPENSES
Medical Deductibles and Co-Pays, Out-of-Pocket Expenses
Rent/Mortgage
Groceries
Car Note
Gasoline
Phone Bills
Gas Bill
Electric Bill
Water Bill
Cable Bill
Child Care
Credit Cards
Financial Safety Net
ACCIDENT
OR
ILLNESS
INCOME
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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.
Over 375,000 Employers Offer Aflac Benefits.
Here’s Why…
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.
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
Aflac’s Personal Accident Indemnity Plan
Policy benefits include:
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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.
Aflac’s Maximum Difference
Cancer Indemnity Plan
Policy benefits include:
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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
Aflac’s Catastrophic Program
Personal Hospital Intensive Care
Policy benefits include:
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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.
Aflac’s Personal Disability
Income Protector Plan
Policy benefits include:
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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.”
Aflac’s Personal Sickness
Indemnity Plan
Highlights of the plan include:
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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 30day period after the effective date will not be covered for
6 months from the effective date of coverage.”
Aflac’s Hospital Protection Plan
Policy benefits include:
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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.
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.
Aflac’s Life Protector Plan
Policy benefits include:
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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
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$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.
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
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.
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Benefits can be paid directly to you or a provider and premiums qualify for Section 125.
Important Features:
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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:
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· No deductible for AFLAC’s benefits.
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· Choose your own dentist without restriction.
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· No precertification is required.