AFLAC is supplemental insurance available to state employees through payroll deduction at a group discounted rate.
AFLAC is not medical insurance, but insurance that pays cash benefits directly to the policyholder, over and above any other coverage that is currently in place. The employee decides how they will use that money.
It provides that extra layer of financial protection to help fill in the gaps, and covers expenses such as:
- Loss of income
- Can provide up to 60% of your salary and cover you for a sickness or on and off the job injuries.
- You do not have to exhaust your vacation or annual leave before AFLAC pays benefits
- Out of pocket medical expenses (co-pays, deductibles, co-insurance, etc.)
- Everyday living expenses (rent/mortgage, groceries, gas, childcare, etc.)
Common features:
- Stable rates – no rate increases for claims, changes in health or getting older.
- Guaranteed renewable – as long as the premiums are paid, your coverage remains in force.
- Claims are handled personally by local office and on average paid within 4 days.
- Coverage is portable – if employee retires, the premiums can be deducted from the retirement check or if they leave state employment, they can take coverage with them at same rates.
For more information, please contact: Barbara Dickson – AFLAC Account Manager, (425) 827-8397 • [email protected].
