About the Real Cost Calculator Tool

Aflac’s Real Cost Calculator is an innovative tool to help users understand the real costs associated with illnesses or injuries. These costs include:

• Expenses not covered by major medical, such as deductibles and co-pays
• Out-of-pocket costs for things like transportation and follow-up medical appointments, as well as
• Every day household expenses (rent/mortgage, utilities and car payments) that continue even if you are sick and out of work, not earning a paycheck.

The Calculator incorporates data from numerous public sources (including public health, healthcare providers, and voluntary health organizations) to show the average costs of a variety of medical conditions. For more information, please visit the (Aflac Real Cost Calculator Source Information.)

The data presented in this tool is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac benefit payout data shown is based on Aflac claims paid over a 10-year period, across all product plans in force at the time for the specific illness or injury shown. The dollar amounts shown represent the average amount of claims paid to a policyholder with the condition during the timeframe from (2000-2010). Aflac policies are not available in all states and may vary by state and plan level. Benefits payable are determined at time of claim.

Aflac insurance policies supplement major medical insurance and the Real Cost Calculator is intended to illustrate how Aflac’s products help provide policyholders with a safety net if they are sick or hurt.