Learn more about
Accident Insurance
General Provisions
Ambulance (Ground / Air)
$400 / $1,500
Emergency Treatment (Emergency Room / Urgent Care / Pain Management)
$250 / $150 / $100
Diagnostic Imaging (MRI, CT, CAT, EEG)
$300
Surgery
Up to $1,250, see benefit schedule for details
Follow-up Treatment
$50
Rehabilitation
$100 per day, 31-day limit or 62 per calendar year
Therapy (occupational, physical, or speech)
$50 per visit, max of 6
Accidental Injuries
Dislocations / Fractures
Up to $3,000 / $3,750
Dismemberment
Up to $7,500
Lacerations / Burns
Up to $600 / Up to $10,000
Concussion
$200
Blood and Plasma
$400
Prosthesis / Appliances
$750 / $100
Gunshot Wound / Line of Duty Rider (Subscriber only)
$1,000 / 15% - In line of duty
Contribution Rates
Per Pay Period - Biweekly
Employee Only
Accident
$5.23
Employee + Spouse
Accident
$8.92
Employee + Child(ren)
Accident
$10.47
Employee + Family
Accident
$14.16
Learn more about
Critical Illness
Critical Illness Plan
A critical illness can have a huge impact on your life. It can keep you from working and make it difficult to do simple, everyday things. This coverage can help ease the financial burden of surviving a critical illness by providing financial resources to help with medical costs or ongoing living expenses. This plan can help you focus on recovery instead of the distraction of out-of-pocket medical costs.
Principal Sum Options
- Employee: $10,000, $20,000, or $30,000
- Spouse and Child(ren): 50% of Principal Sum
Coverage Benefit
- 100% of Principal Sum: Invasive Cancer, Heart Attack, Stroke, Major Organ Transplant, Kidney Failure (ESRD), Advanced Alzheimer’s Disease, Severe Burns, Bone Marrow Transplant
- 50% of Principal Sum: Coronary Artery Bypass surgery
- 25% of Principal Sum: Non-Invasive Cancer
- Other Listed Conditions: See Benefit Schedule
Additional Details
- Recurrence Benefit: Included
- Benefit Waiting Period: None
Wellness Benefit
$50 per benefit year
Aflac believes routine medical tests are important to your overall health. To encourage you to schedule a covered preventive screening of your choice each year, Aflac’s group Critical Illness insurance plan provides members with a $50 wellness benefit payable once per calendar year per insured employee, spouse and dependent child(ren). Examples: Life Scan, annual physical, biometric screenings, Immunizations, woman wellness exams, and more.
Contribution Rates
Per Pay Period - Biweekly: Based on Age & Volume - see enrollment site for your applicable rate.
Learn more about
Hospital Indemnity
Admission Benefit
Hospital Admission (per covered sickness or accident)
$1,000 per year
NICU Admission
$1,000 per year
Confinement Benefit
Hospital Confinement1
$200 per day, 60-day limit
ICU Confinement
$400 per day, 15-day limit
NICU Confinement
$400 per day, 15-day limit
Procedural Benefit
Inpatient Surgical Procedure
$1,000
Outpatient Surgical Procedure
Up to $250
Major Diagnostic Exams
$250
- Newborns are covered under this benefit and will receive a daily confinement payout as long as the mother is enrolled in the plan. Newborns only qualify for a confinement payout for the first 60 days of life.
Contribution Rates
Per Pay Period - Biweekly
Employee Only
Hospital Indemnity
$12.60
Employee + Spouse
Hospital Indemnity
$27.19
Employee + Child(ren)
Hospital Indemnity
$20.00
Employee + Family
Hospital Indemnity
$34.59
Learn more about
Long-Term Care Insurance
Life with Long-Term Care
Life Insurance is designed to provide financial stability for beneficiaries upon our death. However, many times we need financial assistance while we are living with chronic or terminal conditions. The Aflac life plan can be utilized for our care while we are living and will also provide for our families upon our death.
Permanent life insurance provides financial protection for our entire lifetimes. With accelerated benefits for terminal and chronic conditions, we can access funds from the life insurance plan to pay for Long Term Care services.
Long-Term Care (LTC) planning is an important aspect of a personal financial plan. It refers to a range of services designed to meet the personal care needs of individuals who are unable to perform activities of daily living, such as bathing, dressing, and eating due to chronic illness, disability, or aging. Long-Term Care services are not covered by your health insurance, disability insurance, or Medicare.
Coverage Details
Benefit Coverage
$25,000 - $150,000 ($25,000 increments)
Employee Guaranteed Issue Amount
$150,000
Spouse Guaranteed Issue Amount
Lesser of $50,000 or 50% of employee benefit
Children Guaranteed Issue Amount
$25,000
Benefit Reduction
50% at the latter of age 70 or 10 years from Certificate Issuance
Restoration of Benefits Rider
This rider brings the death benefit back to its original amount if any money was used early for a chronic illness.
Accelerated Benefit Rider
Terminal Illness
Illnesses with less than 12-month life expectancy allows 50% of the face amount to be accessed
Chronic Illness
Funds can be used when there is an inability to perform two or more activities of daily living (ADL’s)
Payment Options
There is a 90-day Elimination Period. You can access 4% of your elected life insurance benefit per month for up to 25 months or receive a 50% lump sum if you need covered LTC services. Care services can be provided by family members as well as licensed caregivers in various settings, such as home health care, assisted living and nursing home environments
Contribution Rates
Per Pay Period - Biweekly: Based on Age & Volume - see enrollment site for your applicable rate.
Contact the provider of these benefits by calling this phone number or visiting this website: 800-433-3036, aflacgroupinsurance.com
Identity Theft Protection
With the ever-changing digital world and new cybercrimes constantly emerging, people should always have the right to feel safe and secure online. Employees can now feel at ease knowing they have protection in place with Norton LifeLock Benefits.
Get to know the protection you’re getting so you and your family can be safer in your digital lives:
- Identity Theft Protection
- Device Security
- Online Privacy
- Parental Control
- Full-service Identity Restoration
- 24/7 Live Member Support
Contribution Rates
Per Pay Period - Biweekly
Employee Only
Identity Theft - Essential
$3.50
Identity Theft - Premier Plus
$6.25
Employee + Spouse
Identity Theft - Essential
$6.99
Identity Theft - Premier Plus
$10.74
Employee + Child(ren)
Identity Theft - Essential
$6.99
Identity Theft - Premier Plus
$10.74
Employee + Family
Identity Theft - Essential
$6.99
Identity Theft - Premier Plus
$10.74
Contact the provider of these benefits by calling this phone number or visiting this website: 800-607-9174, my.norton.com
Legal Services
U.S. Legal Services’ Family Defender is designated to protect you and your family through a wide range of legal services. This Plan covers personal legal matters, including, but not limited to, debt collection, housing, planning, martial and family matters and student loans,
In addition to the Family Defender Plan, U.S. Legal Services’ also offers a confidential and personalized online financial wellness dashboard at no additional cost when enrolled in the Family Defender plan.
- Meet with a financial advisor
- Set and track your financial score
- Review personalized content, resources and tools
Contribution Rates
Per Pay Period - Biweekly
Employee Only
Legal Services
$9.38
Employee + Spouse
Legal Services
$9.38
Employee + Child(ren)
Legal Services
$9.38
Employee + Family
Legal Services
$9.38
Contact the provider of these benefits by calling this phone number or visiting this website: 800-356-5297, uslegalservices.net
This Digital Benefits Guide is intended to highlight available benefits and should not be relied upon to fully determine coverage. The benefits plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon request. If this Digital Benefits Guide conflicts in any way with the policy issued by the employer, the policy shall prevail.