NOTE: This summary is a brief non-legal description of benefits. All benefits are subject to the definitions, limitations and exclusions set forth in each contract.Critical Illness insurance can help you preserve yourlifestyle by paying a lump-sum benefit ifdiagnosed with a critical illness. Most major medicalinsurance plans only cover part of the costs associatedwith diagnosis and treatment of these illnesses.Aflac Group Critical Illness with CancerIncludes $100 Annual Health Screening Benefit Conditions CoveredLow OptionMiddle OptionHigh OptionAnnual Health Screening Benefit (20 covered tests)$100 $100 $100Stroke, Heart Attack, Major Organ Transplant, End Stage Renal Failure, Sudden Cardiac Arrest$5,000 $10,000 $20,000$1,250 $2,500 $5,000Cancer (Internal or Invasive) $5,000 $10,000 $20,000Non-Invasive Cancer $1,250 $2,500 $5,000Skin Cancer (Per Calendar Year) $250 $250 $250Bone Marrow Transplant (Stem Cell Transplant) / Benign Brain Tumor $5,000 $10,000 $20,000Coma, Paralysis, Loss of Sight/Hearing/Speech/Severe Burns $5,000 $10,000 $20,000Additional Diagnosis pays for a separate critical illness when the date of diagnosis is separated by at least 6 mos.Reoccurrence pays for the same condition when the date of diagnosis is separated by at least 6 mos.YES YES YES$100 wellness benefit for annual health screenings including Pap smear/test, Mammogram, PSA test, colonoscopy, Blood testfor triglycerides, Cholesterol test to determine level of HDL and LDL, Stress test on bicycle or treadmill, Bone marrow testing,chest X-ray, HPV test(Routine annual wellness screenings are covered 100% by medical insurance so benefit helps off-set annual cost)Guaranteed Issue: No evidence of insurability is required at initial enrollmentBenefits amounts are available up to $20,000 for Employee and $10,000 for SpouseChildren are covered at no cost when employee elects coverageSpouse is eligible for 50% of employee amount, Rates are attained age(Please refer to the Aflac critical illness brochure on Benefitfirst for all rates, details, and plan specifics)Employee or Spouse $5,000AgeMonthly CostAnnual CostWellness BenefitMonthly Net Cost18-25$4.50$54.00 $100.00 -$3.8426-30$5.22$62.64 $100.00 -$3.1231-35$5.77$69.24 $100.00 -$2.5736-40 $6.88$82.56 $100.00 -$1.4641-45 $7.83$93.96 $100.00 -$0.5146-50$8.92$107.04 $100.00 $0.5951-55$12.63$151.56 $100.00 $4.3056-60$12.49$149.88 $100.00 $4.1661-65 $23.16$277.92 $100.00 $14.8366+$38.94$467.28 $100.00 $30.61Employee or Spouse $10,000AgeMonthly CostAnnual CostWellness BenefitMonthly Net Cost18-25$6.21$74.52 $100.00 -$2.1326-30 $7.65$91.80 $100.00 -$0.6931-35$8.75$105.00 $100.00 $0.4236-40 $10.98$131.76 $100.00 $2.6541-45$12.89$154.68 $100.00 $4.5646-50$15.06$180.72 $100.00 $6.7351-55$22.49$269.88 $100.00 $14.1656-60$22.21$266.52 $100.00 $13.8861-65 $43.54$522.48 $100.00 $35.2166+$75.09$901.08 $100.00 $66.76Employee $20,000AgeMonthly CostAnnual CostWellness BenefitMonthly Net Cost18-25 $9.65$115.80 $100.00 $1.3226-30$12.53$150.36 $100.00 $4.2031-35$14.72$176.64 $100.00 $6.3936-40$19.18$230.16 $100.00 $10.8541-45 $23.00$276.00 $100.00 $14.6746-50 $27.34$328.08 $100.00 $19.0151-55$42.19$506.28 $100.00 $33.8656-60$41.64$499.68 $100.00 $33.3161-65$84.29$1,011.48$100.00 $75.9666+ $147.40$1,768.80$100.00 $139.07According to The American Cancer Society thenumber of cancer survivors in the U.S. is increasing,and is expected to jump to nearly 19 million by 2024.Early detection, improved treatments and access tocare are factors that influence cancer survival.Monthly Net Cost is calculated when Employee or Spouse claims $100 Annual Wellness Benefit.29
NOTE: This summary is a brief non-legal description of benefits. All benefits are subject to the definitions, limitations and exclusions set forth in each contract.Benefits are payable for out-of-pocketexpenses associated with an accidental injuryand can help protect hard-earned savingsshould an off-the-job accidental injury occurat home, school, or even on the athletic field.Aflac Group Accident Medical Expense InsuranceIncludes $50 Outpatient Doctor Treatment BenefitAccording to the National Safety Council, fatal accidentsoccur every 14 seconds and disabling injuries occurevery 4 seconds. Accident Insurance provides you andyour family first dollar coverage for these occurrences.Key Plan Benefits AmountOutpatient Doctor Treatment Benefit for Preventative Care - Pays $50 each day 2 times each calendar year for employee and up to 4 times for employee + dependent coverage (max per person is 2 visits) $50Initial Hospital Confinement (per accident) $1,500Daily Hospital Confinement (pays daily) up to 365 per days per covered accident $300Intensive Care (pays daily) up to 30 days $300Ambulance (Ground/Air) $300/$900Emergency Room/Urgent Care $500Emergency Room/Urgent Care with X-Ray $600Major Diagnostic Testing$100Outpatient Surgery and Anesthesia (Hospital or Surgery Center) $200Inpatient Surgery and Anesthesia (overnight) $750Accident Follow-Up Treatment (1 per accident within 7 days of accident) $100Lacerations$100Burns Up to $1,000Concussion or Traumatic Brain Injury$600Dislocation/FractureUp to $5,000Pain Management$100Prescriptions$10Prosthesis (1 per accident) $1,000Appliances (Durable Medical Equipment) Up to $250Eye Injury or Emergency Dental Work$200Therapy (daily) 6 visits per accident if treatment begins within 7 days of accident $60Rehabilitation Unit (daily) max of 31 days per accident and 62 days per year $200Family Member Lodging (daily) up to 30 days if over 100 miles $200Employee Paralysis (Spouse 50%/Children 25%) (Paraplegia/Quadriplegia) $15,000/$30,000Coma (lasting 30 days or more due to an accident) $20,000Resident/Vehicle Modification$1,000Employee Accidental Death/Common Carrier (Spouse 50%/Children 25%)$50,000/$125,000$50 Outpatient Doctor Treatment Benefit covers preventative care including; annual wellness exams, preventative dental, andannual eye exams which off-set the cost of the insurance on an annual basis when filedOff the Job Coverage for all day to day activitiesGuaranteed Issue: No evidence of insurability is requiredCovers accidents related to all children activities including organized athletic events(Please refer to the Aflac accident brochure on Benefitfirst for all rates, details, and plan specifics)Coverage/RatesMonthlyCostAnnual Cost*Annual OutpatientBenefit**MonthlyNet CostEmployee$14.20$170.40$100.00$5.87Employee/Spouse$24.46$293.52$200.00$7.80Employee + Child(ren)$35.98$431.76$200.00$19.32Family$46.24$554.88$200.00$29.58*Employee claims Outpatient Doctor Treatment Benefit of $50 per visit 2 times a year for employee coverage or 4 times for dependent coverage. **Monthly Net Cost is calculated when Annual Outpatient Benefit is claimed 2 times each year for Employee or 4 times for dependent coverage.30