How Aflac Can Help During a Critical Illness
“When I signed up with Aflac I wasn’t sure what I was doing, or if I would even need it. I recently found out I had uterine cancer and needed to have surgery. I wasn’t sure how long I was going to be off work to recover, and I didn’t have a lot of leave time. I tried to do a hardship withdrawal from my 401K and was denied. I was feeling overwhelmed and not sure what I was going to do. Then I remembered I had signed up with AFLAC, so I called our Aflac team to go over the coverage. They gave me great news that I was covered under my Critical Illness plan. The claim process was quick and the amount I received was enough to help me. I have been telling women who don’t have the coverage to get it. It’s worth it.” — Carol, Account Clerk
What is the Aflac Critical Illness plan?
Beating a critical illness can be tough enough, but it’s tougher when the bills start to add up. As Carol stated above, the financial stress related to a critical illness can be overwhelming. Dealing with such an illness is certainly difficult enough, but the added financial stress of accumulating bills exacerbates that stress. That is how the Critical Illness plan was designed to help. Aflac will provide you with a lump sum payment ($10,000 – $50,000), so you’re able to refocus your energy on your health. The plan’s benefits can be used to help cover medical expenses (that major medical insurance doesn’t cover), living expenses, as well as the hidden costs of illness – travel, lodging, miscellaneous out-of-pocket expenses, airfare for family members, and even missed time at work.
Aflac’s Fountain of Youth! Lock in your Age!
The Aflac Critical Illness plan’s premiums are based on age. Once you enroll in a plan, the rate is locked in and will not increase due to an age change. We recommend anyone who is turning 30, 40, 50, or 60 this year, to review your plans to see if you can lock in the lower rate. If you already have coverage, you may want to consider increasing your coverage now to avoid larger rates later.
Having a mammogram completed can pay for your Aflac plan!
The Aflac Critical Illness provides a $200 benefit to anyone who has a mammogram regardless if their major medical insurance charges them. If you add this to the $50 wellness benefit, that totals $250 each calendar year. The Critical Illness plan only costs about $240 a year for a nonsmoker in their 40’s. The plan pays for itself!
The Critical Illness plan is offered with “Guaranteed Issue”. This means all eligible members can obtain $10,000 in coverage without answering any medial questions. If you are currently working, and your spouse can work (and under age 65), you will be approved.
When can I sign up?
The Group Aflac enrollment website is open until June 30th at 9pm. All eligible members can sign up online at www.AFLAC.com/SDMEA or by contacting Will Stover directly.
How do I get more information on the rates and plan options?
All plan information is available at www.Aflac.com/SDMEA. In addition to the website, an Aflac Benefit Specialist will be visiting various work locations to answer questions, to provide plan details and rates, as well as to assist with enrollment and claims. To set up a meeting with a Benefit Specialist, or to get more information on rates and plan options, please contact Will Stover at will@sdpeba.org or 619-535-7240.