AFLAC is available to Pima County Employees for Accident, Cancer, Hospital Confinement, Vision, and Short Term Disability.  These supplemental benefits are 100% Employee funded.

Some important features of AFLAC’s Supplemental Insurance:

• Cash benefits paid directly to insured
• Pays regardless of other insurance – there’s no coordination of benefits
• AFLAC does not use a provider network (insured has freedom of choice)
• If you own more than one plan, AFLAC pays on all policies that apply
• Rates are stable, and will not increase due to age, change in health, or claims filed
• No physicals are required, but most plans are subject to health questions
• Plans are Guaranteed renewable for life (Disability to age 70)
• Payroll rates may be continued when employment terminates (Fully Portable)!!!

Personal Accident Indemnity

An injury, an accident! In a split second it’s over, often without warning of any kind.  Yet the financial expenses of being injured can linger on for months, even years, in the form of unexpected bills.  When a disability stops the paycheck, but not the bills, Accident insurance can help replace loss of income.  Unintentional injuries are the fifth leading cause of death overall and first among persons in age groups from 1 to 44.  On average, there are 13 unintentional-injury deaths and 2,650 disabling injuries every hour during the year.

Aflac’s Personal Accident Indemnity is designed to pay benefits that help you cover the ongoing expenses at home.  Some of our benefits include:

• Emergency Treatment
• Accident Follow Up treatment
• Initial Accident Hospitalization
• Accident Hospital Confinement
• Accident Specific-Sum Injuries
• Family Lodging
• Transportation
• 24-hour coverage
• Accidental Death and Dismemberment

Personal Cancer Indemnity

Since 1990, over 18 million new cancer cases have been diagnosed.  In the United States, men have a little less than a 1-in-2 lifetime risk of developing cancer; for women the risk is a little more than 1-in-3.

Aflac is a pioneer in the Cancer insurance industry, selling its first Cancer policy in 1958.  Since the policy’s introduction, Aflac has paid over $19.7 billion in cancer claims.  This experience allows Aflac to stay abreast of changes in cancer treatment so that its policyholders continue to have a choice in their care.  For over 11 years, Aflac has given generously to the Aflac Cancer Center and Blood Disorders Service of Children’s Healthcare of Atlanta.  The Aflac Cancer Center is recognized as one of the leading pediatric cancer centers in the country.

Aflac’s Personal Cancer Indemnity is designed to pay benefits that help you cover the treatment of cancer.  Some of our benefits include:

• Annual Wellness Benefit
• First Occurrence Benefit
• Hospital Confinement Benefit
• Medical Imaging, Radiation, Chemotherapy Benefits
• National Cancer Institute (NCI) Evaluation/Consultation Benefit
• Second Surgical Opinion Benefit
• Skin Cancer, Surgical/Anesthesia, Outpatient Hospital Surgical Benefits
• 32 different Specified Diseases hospital Benefit

Hospital Protector (Confinement)

Hospital confinement indemnity insurance is what you need when you need it.  In 2002, the average hospital expense was $1,289.87 per inpatient day.  With an average stay of 5.7 days, the average hospital expense per inpatient stay totaled $7,354.60.  The hospital protector plan is designed to pay benefits for hospital stays, whether due to an accident or a sickness, making it easier to meet deductibles and out-of-pocket expenses.  In 2003, about 35% of all hospital emergency department visits in the United States were injury-related.

Aflac’s hospital protector plan can ease the worry that the HSA may not have enough money to cover out-of-pocket expenses such as deductibles, co-payments, and other treatment-related costs.  This plan gives policyholders the option of not depleting their HSA, thereby maximizing its benefits and allowing the account to grow for future needs.  Some of our benefits include:

• Annual and Daily Hospitalization Confinement Benefit
• HSA Compatible
• Rehabilitation Unit Benefit

Vision Now

About 135 million Americans, or 62% of the adult population, wear prescription eyewear.  Studies have shown that 1-in-4 children have vision problems.

Vision Now is a unique vision care product, offering both vision insurance and vision correction material benefits in one product.  Vision Now pays specific amounts for prescription materials such as eye glasses, contacts, sports glasses, or sunglasses and also certain procedures. Some of our benefits include:

• Eye Exam Benefit
• Vision Correction Benefit
• Specific Eye Disease/Disorder Benefit
• Eye Surgery Benefit
• Permanent Visual Impairment Benefit

Personal Disability Income Protector (Short-Term Disability)

Disability income insurance, which complements health insurance, can replace lost income. At age 40, the average worker faces only a 14% chance of dying before age 65 but a 21% chance of being disabled for 90 days or more! This plan provides you an income if you become disabled due to sickness or an off-the-job injury.

Tailor this plan to fit your financial security needs with choices of:

• Monthly Benefits: $500 to $5,000 (subject to income requirements)

• Benefit Periods: 3, 6, 12 or 24 months

• Elimination Periods (waiting period): This is the number of days you will wait before receiving benefits. (Off-the-Job Accident/Sickness)
Choices: 0/7, 0/14, 7/14, 0/30, 30/30, 60/60, 90/90, 180/180

• Maternity: Covers maternity leave after the policy has been in force for 10 months or more. Complications of pregnancy are covered after chosen sickness elimination period.

For more information about AFLAC or to file a claim, please call:
AFLAC Regional Office
6700 N. Oracle Rd., Suite 505
Tucson, AZ 85704
Phone: (520) 293-4422 ext.208
Fax: (520) 293-4224

http://www.aflacclients.com/Pima/Welcome.aspx

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