Group Short Term Disability Insurance

Group Short Term Disability Insurance helps prepare employees for injuries or sickness by protecting their incomes. They can rest easier knowing that they are protected for total or partial disability with coverage that features:

• Income replacement of up to 50 percent of salary.
• Partial benefits paid for certain pre-existing conditions, including pregnancy.
• Portable coverage that allows employees to continue coverage when they leave employment, with certain stipulations.
• Waiver of premium payments after 90 days of total disability. 

Group Dental Insurance

Regular trips to the dentist are essential for good oral health. A dental insurance plan may help considerably with the costs, often paying 100 percent of the expense of preventive benefits. But a great smile often requires more dental care.

With no network, Group Dental Insurance can help employees with cash paid directly to them, unless assigned elsewhere. It's cash to use however they see fit, whether it be for groceries, bills, gas, or anything else they need.

Covered procedures:

• X rays
• Sealants
• Emergency oral evaluation

Group Supplemental Hospital Indemnity Insurance

Often there are unplanned out-of-pocket expenses associated with hospitalization, not to mention the regular bills that keep arriving for things like mortgages or rent, car payments and utility bills. A hospital indemnity insurance plan provides cash directly to employees, unless assigned elsewhere, to use as they see fit if they or covered family members are hospitalized.

Pre-determined benefits payments are payable for the following events and others:

• Hospital Confinement
• Hospital Admission
• Hospital Intensive Care
• Surgery and Anesthesia
• Hospital Emergency Room Treatment / Physician Benefits (medical fees)

Premiums are automatically and conveniently paid through payroll deduction.

Group Accident Insurance

Who would help take care of you and your family financially if you were injured in an accident and couldn't work? That's where Aflac's Group Accident Insurance Plan comes in, helping you with:

• Emergency treatment
• Initial hospitalization
• Intensive care treatment
• Medical transportation
• Travel expenses to distant treatment centers

Key Features

Since its inception, the Group Accident Insurance has not seen an increase in rates.

Group Critical Illness Insurance

It's a way for employees to stay ahead of the medical and out-of-pocket expenses that can accompany specified medical events. After a waiting period, a lump sum benefit is payable upon initial diagnosis for covered illnesses, including:

• Cancer
• Heart attack
• Stroke
• Major organ transplant
• Renal failure (end-stage)

A 25% benefit is payable for Carcinoma-in-situ and Coronary Artery Bypass Surgery. Payment of the partial benefit will reduce the Internal Cancer or Heart Attack benefits by 25%.