Aflac

Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.

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.

Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

• Ambulance ride
• Casts
• Use of the emergency room
• Wheelchairs
• Surgery and anesthesia
• Crutches
• Stitches
• Bandages

These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages you or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? This plan does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.

You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to a qualified life event or the voluntary open enrollment period.

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' 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.

No, your rates will not increase due to age, health or individual claims.

No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).

Once you’re enrolled in this coverage, benefits available for covered accidents will include: 

You’ll also receive a lump-sum payment when you have these covered medical services/treatments: