Supplemental Benefits
Supplemental benefits insurance through Aflac can help protect you from significant or unexpected out-of-pocket expenses. Consider your anticipated medical needs along with the cost of the insurance plans available to you. Keep in mind, these plans are intended to supplement, not replace, a medical plan.
Rates for Critical Illness and Whole Life Insurance will be calculated while enrolling in BenefitFocus.
Contact the provider of these benefits by calling this phone number or visiting this website:
Group# 24467
Phone: 904-662-1543
Name: Iris Cruice
email: vera_wood@us.aflac.com
Website: www.aflac.com
Critical Illness Plan
Administered by Aflac
Employees can choose between $15,000 and $30,000 of coverage. Benefits are paid as a percentage of the amount of coverage elected. Your benefits under this plan are guaranteed issue and not subject to pre-existing condition limitations as long as the insured is in complete remission and treatment-free for 12 months. 100% coverage amount for critical illness diagnosis of cancer, vascular, and other specified illness. Rates are based on the insured’s age, tobacco status, and benefit amount. Dependent children are automatically covered for 50% of the employee’s election amount and may be covered until the end of the month in which they turn 26.
Rates for Critical Illness will be calculated while enrolling in BenefitFocus.
Refer to the benefit summary for details of coverage, including limitations and exclusions.
Employee
Benefit Amount
$15,000 or $30,000
Spouse
Benefit Amount
$15,000 or $30,000
Dependent Child(ren)
Benefit Amount
50% of employee's amount
Wellness Benefit
$50 per benefit year
Your critical illness insurance policy includes a $50 Wellness Benefit offer, which will pay you and covered family members an annual benefit if you complete an eligible health assessment/screening.
Tips For Filing a Claim
The document(s) must show dates of hospital stay and diagnosis. It is helpful to have one or more of the following when submitting your claim for hospital admission and confinement benefits under the sickness rider:
- Admission and Discharge Summary
- Itemized Hospital Bill
- UB04 Form
- Required: Critical Illness Claim Form (this will require your attending physician’s statement completion and can be found in Benefitplace
Contribution Rates
Based on 20 Pre-tax Contributions (Sep-Jun). Pro-rated rates may apply when there are fewer than 20 deductions available.
Employee Only
Critical Illness Plan
Based on age rate
Employee & Spouse
Critical Illness Plan
Based on age rate
Employee & Child(ren)
Critical Illness Plan
Based on age rate
Employee & Family
Critical Illness Plan
Based on age rate
Accident Insurance Plan
Administered by Aflac
We offer a voluntary Accident plan through Aflac to regular full-time employees and their qualifying dependents. This benefit helps fill financial gaps caused by expenses related to an injury caused by a covered accident. Cash benefits are paid directly to you, regardless of what is covered by your medical plan or any other insurance. Benefits are paid for initial and follow-up care, medical imaging, X-rays, dislocations, fractures, physical therapy, and more. These benefits can be used to pay expenses like coinsurance, deductibles, or everyday expenses like your mortgage, childcare, or groceries. It’s up to you.
Refer to the benefit summary for details of coverage, including limitations and exclusions.
General Provisions
Ambulance (Ground / Air)
$400 / $1,200
Burns (2nd / 3rd Degree)
Up to $1,000 / $20,000
Concussions
$500
Dislocations
Up to $9,000
Fracture
Up to $12,000
Hospital Benefits
Hospital Admission
$200 (per confinement)
Hospital Confinement
$150 per day (max 15 days)
Initial Physician Office / Urgent Care
$150
Initial Physician Office / Doctor's Office
$100
Emergency Room
$200
X-ray (Doctor's Office / ER)
$150 / $200
Contribution Rates
Based on 20 Pre-tax Contributions (Sep-Jun). Pro-rated rates may apply when there are fewer than 20 deductions available.
Accident Insurance | Enrolled in Medical Plan
Employee Only
$12.29
Employee + Spouse
$22.21
Employee + Child(ren)
$25.95
Employee + Family
$35.87
Accident Insurance | Without Medical Plan
Employee Only
$0.00
Employee + Spouse
$9.92
Employee + Child(ren)
$13.66
Employee + Family
$23.58
Hospital Indemnity Insurance
Administered by Aflac
We offer two voluntary Hospital Indemnity plans through Aflac to regular full-time employees and their qualifying dependents. These plans pay cash benefits to you for an inpatient hospital admission and daily stays. These benefits can help pay towards your medical plan’s deductible, coinsurance, or everyday expenses like day care, utilities, and groceries.
Please notice that only the Low Plan is compatible with a Health Savings Account. If you enroll in the High Hospital Indemnity Plan, you are not eligible to contribute to a Health Savings Account.
Please refer to the benefit summary for details of coverage, including limitations, and exclusions.
Low Plan
Hospital Admission
$1,500 (once per benefit year)
Hospital Confinement
$250 per day (Up to 31 days)
ICU Confinement
$500 per day (Up to 10 days)
Diagnostic Exams
Not Covered
Outpatient Surgery
Doctor's Office: Not Covered
Facility Fee: Not Covered
Emergency Room
Not Covered
Compatible with a Health Savings Account (HSA)
Yes
High Plan
Hospital Admission
$2,000 (once per benefit year)
Hospital Confinement
$250 per day (Up to 30 days)
ICU Confinement
$500 per day (Up to 10 days)
Diagnostic Exams
$150 (once per benefit year)
Outpatient Surgery
Doctor's Office: $50 pre day (4 times per benefit year)
Facility Fee: $75 per day (No Limit)
Emergency Room
$100
Compatible with a Health Savings Account (HSA)
No
Please Note: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. The payment you get isn’t based on the size of your medical bill, and there may be a limit on how much this policy will pay each year. This policy isn’t a substitute for comprehensive health insurance. Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Contribution Rates
Based on 20 Pre-tax Contributions (Sep-Jun). Pro-rated rates may apply when there are fewer than 20 deductions available.
Hospital Indemnity Low Plan
Employee Only
$13.36
Employee + Spouse
$26.95
Employee + Child(ren)
$21.39
Employee + Family
$34.98
Hospital Indemnity High Plan
Employee Only
$19.68
Employee + Spouse
$44.80
Employee + Child(ren)
$35.23
Employee + Family
$60.35
Whole Life Insurance
Administered by Aflac
The Aflac Group Whole Life plan is a permanent life insurance with living benefits to help provide you and your family with a financial cushion when dealing with the loss of a loved one. Rates are based on the insured’s age, tobacco status, and benefit amount. Dependent children may be covered until the end of the month in which they turn 26.
Your benefits under this plan are guaranteed issue and not subject to pre-existing condition limitations. You may purchase amounts below, and rates can be found in BenefitFocus during your enrollment.
Please refer to the benefit summary for details of coverage, including limitations, and exclusions.
Employee
Guaranteed Issue Amount
$15,000, $25,000 or $50,000
Spouse
Benefit Amount
$15,000
Dependent Child(ren)
Benefit Amount
$10,000
NEW! Guaranteed Life with Long-Term Care Benefits
Administered by Aflac
Aflac’s fully portable Guaranteed Issue Life Insurance with a Long-Term Care (LTC) benefit provides employees and their families with lifelong protection and added peace of mind. Coverage is available for employees and their dependents, with employee face amounts ranging from $10,000 up to $150,000. Eligible employees can enroll during open enrollment without medical underwriting, and the premium rate locked in at the time of enrollment will remain the same and will not increase in the future.
In addition to permanent life insurance protection, this two-in-one coverage includes benefits for long-term care services that employees can access during their lifetimes to help pay for the high cost of LTC. The plan also builds cash value over time, which can be borrowed against or used to purchase a smaller paid-up policy with no additional premiums due.
Once coverage is purchased, employees can keep it as long as they want. The benefit amount remains level and does not decrease as employees age, providing valuable protection during working years and into retirement. Refer to the benefit summary for details of coverage, including limitations and exclusions.
Employee
Guaranteed Issue Amount
$150,000
Spouse
Benefit Amount
50% of employee's amount ($50,000 max)
Dependent Child(ren)
Benefit Amount
$25,000
Long-Term Care Benefit Rider
This benefit provides 16 periodic payments equal to 6% of the Life Insurance Benefit or a One-Time Lump Sum of 50% of the Life Insurance Benefit.