You enroll in coverage
After coverage is in effect, you have a hospital stay due to covered accident or sickness
Receive a lump-sum benefit
Use your money however you want
Who is Aflac?
Aflac
Aflac helps provide financial protection and peace of mind to millions of policyholders in the U.S. and Japan – allowing customers to focus more on recovery, not financial stress. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless otherwise assigned).
When is a benefit paid under the plan?
Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for coverage include:
You must be enrolled in coverage for members of your family to also enroll.
How much does coverage cost?
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.
When would my coverage start?
For annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date.
For new hires and qualifying life events, coverage is effective the first of the month following the enrollment form approval date, provided the eligibility requirements are met.
Am I really free to use the payment any way I choose?
How do I cancel my policy?
Legal Disclaimers
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.
For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.
Columbia, South Carolina
AGC2400684 EXP 6/25
Mercer's Role & Compensation