Your Benefits Package... Just got better

Open Enrollment is happening Now!

Short Term Disability

Insures your most valuable asset - your ability to earn an income! If you are hurt or sick and not receiving your paycheck, you can still pay your mortgage, buy groceries and keep the lights on at home.

Some key benefits include:

  • Benefits are paid when you are sick or hurt and unable to work, up to 60% of your salary
  • Minimum and Maximum Total Monthly Benefit
  • Premium payments are waived after 90 days of total disability
  • Partial Disability Benefit

Accident Insurance

Even the most minor of accidents like a broken arm, can lead to a temporary loss of income and inability to pay the normal living expenses. Regular bills, including the mortgage, rent, car payments and utility bills don't stop when an individual is laid up after and injury. The protection accident insurance helps provide, allows policyholders and their families to focus on recovery - not on finances.

Some of the key benefits include:

  • Medical Fees - pays for the initial visit due to an accident to the doctor
  • Initial Accident Hospitalization - is payable if you are hospitalized for an accident
  • Daily Hospital Confinement - helps with each additional day in the hospital
  • Accidental Death Benefit - is payable if death is caused by an accident
  • Emergency Room - pays if you receive treatment in a hospital emergency room

How it works

Hospital Insurance

Our hospital insurance helps with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans.

Why would you need this?

Some of the key benefits include:

  • Hospital Admission pays benefits per calendar year
  • Hospital Confinement Benefit option upon request
  • Hospital Intensive Care option upon request

How it Works

Critical Care Protection

In fact, the average cost of a Heart Attack is $87,425.

Aflac Critical Care insurance offers an extra layer of protection in the event of a covered critical illness. Employee and spouse coverage is available, plus dependent children are covered at 50% of the employees amount.

Some of the key benefits include:

  • Heart Attack
  • Sudden Cardiac Arrest
  • Coma
  • Coronary Artery Bypass Surgery
  • Major Organ Transplant
  • End-Stage Renal Failure
  • Third Degree Burns
  • Stroke
  • Paralysis
  • Persistence Vagetative State

How it works

Cancer Protection

In fact, the average cancer patient pays an average of $24K - $36K in annual out-of-pocket costs, and cancer patients are almost 3x as likely to declare bankruptcy.

Aflac cancer insurance is here to help you and your family better cope financially - and emotionally - if a positive diagnosis of cancer ever occurs. Added comfort and protection means the freedom to focus on the more important things.

Some of the key benefits include:

  • Cancer Screening - Benefit payable per calendar year, per covered person
  • Initial Diagnosis Benefit - pays named insured or spouse and Dependent Child; Payable once per covered person, per lifetime
  • Radiation Therapy, Chemotherapy, Immunotherapy or Experimental Chemotherapy Benefit - Self administered/ Physician administered; this benefit is limited to one self administered treatment and one physician -administered treatment per calendar month
  • Hospitalization Confinement Benefits - pays benefit for Hospital Confinement
  • Dependent Children are covered at no additional cost - Pays when a covered dependent child is diagnosed with internal cancer or an associated cancerous condition

Additional Options:

How it works

Whole and Term Life Insurance

70% of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died.

If something happened to you, would the financial future of your loved ones be protected? Help ease your mind with coverage that you and your family can rely on.

Some of the Key Benefits Include:

  • Whole¬†and Term Life¬†Insurance policies are available
  • Portable option - Coverage is portable, so you can take the plan with you if you change jobs or retire

We look forward to assisting you in customizing your benefit selections that best serve you and your family!

For any questions or to enroll please contact:

Michael Howard