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Short Term Disability and Long Term Care
AFLAC is available to Pima County Employees for Short
Term Disability and Long Term Care. These supplemental benefits are
100% Employee funded.
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)
o Choices: 0/7, 0/14, 7/14, 0/30, 30/30,
60/60,
90/90, 180/180
•
Age Groups: 18 – 49 50 – 64
• 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
• Premiums: Based on Age, Wage, Choice of Benefit Period,
and Elimination Period
• Fully Portable at payroll rates
• Guaranteed renewable until age 70
Personal Long Term Care
Long-term care insurance helps provide financial support
at any age, if a chronic condition incapacitates you or your spouse.
This may be due to injury, illness, or the normal aging process.
Approximately 36% of males and 50% of females eventually
need long-term care. About 80% of Americans live past age 65, with
a life expectancy of another 15 years for men and 19 years for women.
AFLAC is the first company to pay a cash benefit when first diagnosed
as chronically ill and require Long-term care services.
• First Occurrence Benefit: $2,400 to $6,000
• Nursing Home Daily Benefit: $80 to $200 for either 3yr,
5yr or lifetime stay
• Home Care Benefit: for incurred charges $40 to $100
daily: 400 or 500 visits
• Waiver of Premium
• Optional Inflation Rider
• Optional Nonforfeiture Rider
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