Diese Präsentation wurde erfolgreich gemeldet.
Wir verwenden Ihre LinkedIn Profilangaben und Informationen zu Ihren Aktivitäten, um Anzeigen zu personalisieren und Ihnen relevantere Inhalte anzuzeigen. Sie können Ihre Anzeigeneinstellungen jederzeit ändern.

Aflac Employee presentation

4.856 Aufrufe

Veröffentlicht am

Aflac Provides many different options of voluntary benefits to ensure employees can make it through tough medical situations. All of these benefits are very affordable.

Veröffentlicht in: Gesundheit & Medizin
  • Login to see the comments

Aflac Employee presentation

  1. 1. Aflac was founded in 1955 bythree brothers who knew Americans needed financial support As a pioneer of supplemental insurance, Aflac began with a simple promise: to be there for policyholders in their time of need. The company still operates this way today and is committed to paying claims fairly and promptly. #1 provider of voluntary million people worldwide insurance at worksites trust us to help protect in the US. ‘ what matters most?
  2. 2. .5’ . ._; - . .T, .-f»_~_‘ —_ ' T 4 - 3 ‘#1: —. .¢s= ":2" ,9 Aflac helps you get back to being you
  3. 3. We help people protect what matters most by helping to provide financial security and peace of mind when they need it most Our policies are designed to help you: V Hold on to what you work so hard for every day V Protect your income from unexpected illness and accidents V Supplement major medical by filling in the gaps
  4. 4. Workers are financially unprepared would be unable to adjust to the large financial costs 0 associated with a serious injury or illness3 have less than $500 in savings for emergency expenses 0 (51% have less than $1,00O)3 Savings Credit card 401k Forms of payment for expenses related to unexpected accident or illness3
  5. 5. Even those with major medical coverage are at risk 1 in 3 have difficulty paying their medical bills, regardless of major medical coverage Household income significantly reduced when patient was too sick to work or family member had to quit/ reduce hours to care for them In 2012. the majority of people with difficulty paying medical bills had employer-sponsored private insurance (ES| )‘ O Private-ESI O Private-Individual . Medicaid O Medicare O Uninsured
  6. 6. Aflac policies are different than major medical — they are focused on you, not the doctors or hospitals ‘I Affordable Portable '-s Renewable Fast and easy claims process Claims get paid directly to insured* fiflflflfl No coordination of benefits ‘Unless otherwise assigned.
  7. 7. “ I kept getting sick every month. I kept going to the doctor. .. and he told me he felt a mass in my left thyroid; it felt enlarged. Turns out it was cancerous. I tell everyone to buy the Aflac policy; there is no reason not to. |t’s exactly what it says it is: insurance. |t’s there when you need it. ” Michelle Tavarez Policyholder for 4 years
  8. 8. 6‘ It is really unbelievable the money that was coming in. [Money] we didn’t have to work hard to get, other than pay our premium. People that are growing up don’t have the knowledge of what it costs to pay the out-of-pocket expenses. And if you don’t have Aflac then those deductibles can be very expensive to you. ” Jim Young Policyholder for 13 years
  9. 9. Aflac policies are available for whatever life may throw at us I need financial support for. .. @ ACCIDENT or a DISABILITY ® SERIOUS HEALTH EVENT 0 DEATH HOSPITALIZATION 0 CANCER VISION CARE 0 DENTAL
  10. 10. Aflac accident insurance helps ensure your finances aren’t caught off guard, too. When it occurs, the last thing on your mind is the charges that may be accumulating.
  11. 11. 4,400 medically consulted injuries occur every hour.5 Without health insurance, the average cost to treat a broken leg is over $1O,0OO.5
  12. 12. Why Aflac’s Accident insurance may be right for you In the case of a serious accident, medical expenses can quickly eat into savings. Af| ac’s accident policy is designed to help you protect what you work so hard for every day. Benefits include: 0 East; 65» @ 0-. Wellness Hospital Emergency Appliances such X-rays Confinement Treatment as crutches or wheelchair Guaranteed-issue options available In Arkansas. Policies A3510OAR through A354OOAR. A35B24AR. and ABSBOFAR. In Idaho, Pollcles A35100lD through A3S400lD. A35B24|D. and A35BOFlD. In New York, Policies NY351OO through NY35400. NY35B24. and NYB35OF. In Oklahoma. A351000K through A354000l<, ASSBZAOK. and ASSBOFOK. In Pennsylvania. Follcles A351DOPA through A35400PA. A35B2flPA. and A3SBOFPA. In Texas. A35lOOTX through A3S4ODTX. A3SB2dTX. and AZ-ISBOFTX. In Virginia. Policies A351OOVA through A354OOVA, A35B24VA, and ASSBOFVA. Policy may not be available In all states Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Coverage is underwntten by American Family Life Assurance Company of Columbus, in New Vork, coverage is underwritten by American Family Life Assurance Company of New York.
  13. 13. Aflacsihort-Term Disability keeps. on working even if you can’t Just over 1 In 4 of today's 20 year-olds will become disabled before reaching age 67.7
  14. 14. Addressing misconceptions when it comes to disability insurance I can count on worker’s Compensation. More than 95% of reported claims were not work-related in 2011 and therefore do not qualify for workers’ compensation benefits.3 I have Social Security; I will be fine. Social Security does not pay for partial or short-term disability. ‘-9
  15. 15. Why Aflac’s Short-Term Disability insurance may be right for you Afiac Short-Term Disability insurance policies can help protect your income with benefits to help cover your expenses when you’re out of work, so you can concentrate on getting better. We offer the option of guaranteed-issue coverage, which means no underwriting questions. Here’s how it can help: .2 iii @ Monthly Payable for total Cash benefit for Benefit and partial each day you disability are disabled in Arkansas, Policies A57600AR and A5760OLBAR. in Idaho. Policy A57600lDR In New York, Policy NY57(-300 In Oklahoma. Policies A576000K and A576OOLBOi( In Oregon, Policies A576000R and A576ODLBOR. in Pennsylvania. Policies A57600PA and A5760DLBPA. In Texas, Policies ASTSOOTX andA576OOLBTX in Virginia, Policies A576OOVA and A57600LB'VA. Policy may not be available In all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected Coverage is underwritten by American Family Life Assurance Company oi Columbus In New York. coverage is underwritten by American Family Life Assurance Company of New York
  16. 16. I need financial support in the event of a death 43¢‘) Whole Term Juvenile Juvenile Life Life Whole Life Term Life
  17. 17. Our Whole Life offers a measure of stability you and your loved ones can count on Life insurance is something people know they should have, but it's a difficult conversation for them to have with their loved ones. I--_---_“ x------ , -—---------—-go. - If something happens to you, will your family have the funds to pay the bills without your income? i. $9 ‘¢Cb¢¢c$¢c , ---------I
  18. 18. Why Whole Life insurance? :1: r? :-: #1:? mmmmmmm 3 in 10 American households are uninsured and half say thev need more life insurance. ‘° Laying a loved one to rest typically costs $10,000 or more — making it one of the biggest expenses families face. “
  19. 19. Why Aflac’s Whole Life insurance may be right for you V Guaranteed premiums with rate stability V Apply for coverage up to $500,000 v Builds cash value Accelerated Death Payment; optional ‘’ Accidental Death Benefit V Optional coverage for you and/ or children In Arkansas. POIIEIDS A64iO0ARi A6420OAR. A64300AR, and A64500/AR in Oregon, Policies ASMOOOR‘ A642000R. A643000R, and A645000Ri In Idaho, Oklahoma. Pr: -nnsylvania, Texas and Virginia, Policies lCC6-1100, lCCE4200, lCC64300. and | CC645OO Policy may not be available in all slates Limilallons and exclusions may apply Benefits are determined by state and plan level selected. Coverage is underwritten by American Family Life Assurance Company of Columbus in New York‘ coverage IS uiiderwriiten by American Family Lila- Assurance Company of New York
  20. 20. Our Term Life coverage offers a measure of stability you and your loved ones can count on - 1' “ ' I ‘ I _p_ ’-. .- -. ‘ II I II II I O 1 " " i O I " " I , in II , , II II . I II II ' .1! . I‘. I II I I II I I II I I II I I II I I II I I II I I II I I II I _l_l Life is a series of unexpected twists and turns. If something happens to you, will your family have the funds to pay the bills without your income?
  21. 21. Why Term Life insurance? asrmmmmmmm 3 in 10 American households are uninsured and half say they need more life insurance. ‘°
  22. 22. Why Term Life insurance? Laying a loved one to rest typically costs $10,000 or more — making it one of the biggest expenses families face. “
  23. 23. Why Aflac’s Term Life insurance may be right for you V Apply for coverage up to $500,000 Guaranteed-issue coverage w/ a face amount of " $20,000 or $25,000 V Accelerated Death Payment Available riders include: waiver of premium benefit, V spouse or child coverage, and accidental death in Arkansas. Policies A64i00AR. A6420OAR. A64300AR. and AGASOOAR in Oregon, Policies A64l00OR, A642000R. A6d3000R. and A645000R. in Iclano, Oklahoma. Pennsylvania, Texas and Virginia. Policies lCC64100.lCC64200, lCC64300. and | CC645OO Policy may not be available in all slates Limitations and exclusions may apply Benefits are deleimined by state and plan level selected. Coverage is underwritten oy American Family Lrfe Assurance Company of Columbus in New York. coverage is underwritten by American Family Lilc» Assurance Company of New York
  24. 24. I need financial support in the event of a cancer diagnosis Cancer Lump Sum Cancer
  25. 25. Aflac Cancer Care insurance helps your finances stay strong so you can too Chances are you know someone who's been affected by cancer. You also know the toll it's taken on them — physically, emotionally, and financially.
  26. 26. Aflac's Cancer/ Specified-Disease insurance is designed to help with the costs of treatment that major medical doesn't 1.5 $10K million per month or more new cancer cases the cost of some of the newer were expected to be cancer treatments“ diagnosed in the last year‘?
  27. 27. Why Aflac’s Cancer/ Specified-Disease insurance may be right for you V Dependent children covered at no additional cost Pays a cash benefit upon initial diagnosis of cancer, which ‘’ doubles for dependent children Daily hospitalization benefits, with increased benefits for V . dependent children ‘’ Benefits payable for injected chemotherapy, oral chemotherapy, radiation therapy, and anti-nausea drugs V Benefits payable for experimental treatments, cancer surgery, and prosthetic devices In Arkansas. POIICIDS A78100AR through A7S400AR In lrlaho. Policies A78l00|D through A78400ID. In New York, Policies. NY78l0O through NY78400 In Oklahoma. Policies A78‘l000K lhrough A784000K. In Oregon. A7B'l00OR lhrougb A784000R in Pennsylvania, A7B1OOPA lhrough A78400PA. in Texas. Policies A78iO0TX lhroiigh A7B4OOTX Pol‘ _ may not be available In all states Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Coverage is unclerwritten by American Family Assurance Company of Columbus in New York. coverage is underwritleri by American Family Life Assurance Company of New York
  28. 28. Aflac Lump Sum Cancer insurance helps your finances stay strong so you can too Chances are you know someone who's been affected by cancer. You also know the toll it’s taken on them — physically, emotionally, and financially.
  29. 29. Aflac's Cancer/ Specified-Disease insurance is designed to help with the costs of cancer treatment that major medical doesn't 1.5 $10K million per month or more new cancer cases the cost of some of the newer were expected to be cancer treatments“ diagnosed in the last year‘?
  30. 30. Why Aflac’s Lump Sum Cancer insurance may be right for you Aflac’s Lump Sum Cancer insurance helps with the treatment costs of cancer. Pays a lump sum benefit when a covered person receives a cancer diagnosis. Use the immediate cash benefit for any expenses you choose. In Arkansas. Polvcses A78’lOOAR through A78400AR. ln Idaho, Pollcles A78l0OlD through A78400|D. In New York, Pollcles. NY‘/8100 through NY78400. In Oklahoma. Pollcles A78l000K through A7B4000K. ln Oregon. A781000R through A784ODOR. In Pennsylvania, A781OOPA through A7840OPA. In Texas. Policies A781OOTX through A7840OTX. Policy may not be avallable ln all states. Llmitallons and exclusions may apply. Benefits are determined by state and plan level selected. Coverage ls underwritten by American Famlly Llfe Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
  31. 31. I need financial support in the event of a heart attack, stroke, or other critical illness Specified Lump Sum Health Event Critical Illness
  32. 32. I H We help take care of your expenses while you take care of yourself A serious illness or injury can happen to anyone at any time. An Aflac Specified Health Event insurance policy is designed to help with the costs of treatment if you experience a covered health event, such as a heart attack, stroke, or paralysis.
  33. 33. Americans suffer heart attacks about every 34 seconds“ Average charge for heart attack hospital stay: $65,427‘5
  34. 34. Why Aflac’s Specified Health Event insurance may be right for you It helps with medical expenses related to a covered life-threatening health event, such as heart attack, stroke, coma, paralysis, sudden cardiac arrest, coronary artery bypass surgery, and more. Benefits include: — First-occurrence — Hospital confinement — Continuing care — Ambulance — Lodging, and more In Arkansas. Policies A71100AR and A7l2OOAR. In Idaho. Policies A7i100iD and A71200|D. In Oklahoma. Policies A7tlO0OK and A7l2000K. In Oregon. Policies A71i0OOR and A712000R. in Pennsylvania. Policies A711OOPA and A7i2OOPA. In Texas. Policies. A7i100TX and A7120OTX. in Virginia, Policies A7ii0OVA and A7‘l200VA. Policy may not be available in all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York. coverage is underwritten by American Family Life Assurance Company of New York.
  35. 35. Why Aflac’s Lump Sum Critical Illness insurance may be right for you The policy provides a lump sum cash benefit to you if diagnosed or treated for a covered critical illness such as: Heart Attack, Stroke, End-Stage Renal Failure, Coma, Major Human Organ Transplant, Paralysis. — Dependent children covered at no additional cost — Guaranteed-issue options are available In Arkansas. Policies A73lOOAR and A7310HAR. In Idaho. Policies A731OOID and A7310HlD. In New York, Policy NY72100i in Oklahoma, Policies A731000K and A73lOHOK. In Oregon‘ Policy A72i00ORR. In Texas. Policies A7310OTX and A73‘l0HTX. IN Virglnla. Follcy A721OOVA. Policy may not be available In all stales, Llmllallons and exclusions may apply, Beneflls are detennlned by state and plan level selected. Coverage is underwritten by American Family Llle Assurance Company of Columbus. In New York. coverage is underwritten by American Family Lile Assurance Company of New York.
  36. 36. I need financial support if an accident or illness requires hospitalization % Hospital Hospital Hospital mtensive care Confinement Confinement Sickness Indemnity Indemnity
  37. 37. A confinement in a hospital intensive care unit is expensive Af| ac's hospital ICU insurance policy has fl a straightforward benefit design that complements your major medical or : - limited benefit health insurance plans.
  38. 38. 5+ 2.1 million mrllron patients are admitted emergency department to lCUs each year in visits result in admission the United States‘5 to critical care unit‘7
  39. 39. Why Af| ac’s Hospital Intensive Care insurance may be right for you Benefits include: Covers stays in hospital, coronary, or neonatal intensive care unit ‘I V Initial benefit with increase after 8 days «I Confinement in step—down ICU V Major human organ transplant V Progressive benefits that build over time In Arkansas. A18400AR and Al8d0HAR in Idaho. Policies AISAOOID and Al840HlD In Oklahoma, Policies Ai84000K and AISAOHOK in Oregon. Policies Al84000R and AISAOHOR IN Pennsylvania, Policies AISIIOOPA and AIBAOHPA IN Texas. Policies A29400TX and A1840HTX In Virginia, Policies A18ll0OVA and A'lB4OHVA Policy may not be available in all states. Limitations and exclusions may apply Benellls are determined by state and plan level selected Coverage is underwritten by Anierrcan Family Life Assurance Company of Columbus In New York, coverage is underwritten by American Family Life Assurance Company of New York.
  40. 40. Spending a few days in a hospital for an illness can be expensive 0 Supplement your major medical with U Aflac’s Hospital Confinement Sickness Indemnity to help ease the financial burden of hospital stays due to illness by providing cash benefits.
  41. 41. Even with major medical insurance, your entire hospital bill may not be covered Do you have a deductible that must be 4 8 met first? 0 Do you have coinsurance requirements? days What about things major medical insurance length of average was never intended to cover, like: hospital stay? ?? — Transportation and meals for visiting family — Help with child care — OI’ time away from WO| 'k? cost of average hospital stay‘9
  42. 42. Why Aflac’s Hospital Confinement Sickness Indemnity insurance may be right for you Benefits are payable for: 8 _' D 6 ' Er: "’ , E . - M . ... _I Physician Hospital Major Diagnostic Surgeries Visits Confinement Exams in Arkansas. Policies A-45100-AR throughA-45300—AR. In Idaho. Policies A-45100-ID through A-45300-ID. in New York. Policies NY-45100 through NV-45300. In Oklahoma. Policies A-4510l)0K through A-45300-OK. in Oregon. Policies A-45100»OR through A-45300-OR. In Pennsylvania. Policies A-45100-PA through A-45300-PA. in Texas. Policies A-45100-TX through A«45300-TX. In Virginia, Policies A-45100-VA through A-45300-VA. Policy may not be available In all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York. coverage is underwritten by American Family Life Assurance Company at New York.
  43. 43. Aflac Hospital Advantage helps cover what major medical doesn’t ‘ HOSPITAL BILL; Concerned about the cost of hospitalization? An Aflac Hospital Confinement Indemnity insurance policy can help ease the financial burden of hospital stays by providing cash benefits to help cover costs major medical doesn’t.
  44. 44. Even with major medical insurance, your entire hospital bill may not be covered What about things major medical insurance was never intended to cover, like: — Transportation and meals for visiting family members — Help with child care — Or time away from work? O K — Do you have a deductible that must be met firs‘? cost of average — Do you have coinsurance requirements? hospitaj stay19
  45. 45. Why Aflac’s Hospital Confinement Indemnity insurance may be right for you Benefits are payable for: 3 . & 8 0- I 4 Hospital Treatment in an Physician Visits, Confinement Emergency Room Medical Diagnostic and imaging Exams Guaranteed-issue options available in Arkansas. Policies A491OOAR. A4920OAR. A4930OAR. and A49l0HAR. In Idaho. Policies AAQIOOID. A49200lD. A49300lD. and A49lOHlD. in New York. Policies NY4610O and NY46200 in Oklahoma. Policies A49'l000K. A492000K. A493000K. and A49l0HOK. in Oregon, Policies A49l00OR. A492000R. A493000R, and A4910HOR. In Pennsylvania. Policies A491OOPA. A49200PA. A-1930OPA. and A4910HPA. IN Texas. Policies A49lO0TX. A49200TX. A49300TX. and A49lOHTX In Virginia. Policies AASIOOVA, A462OOVA. and A4636-OVA. Policy may not be available in all states. Llmltauons and exclusions may apply. Benefits are detennined by state and plan level selected. Coverage is underwritten by American Family Life Assurance Company at Columbus In New York. coverage Is underwritten by American Family Life Assurance Company of New York.
  46. 46. Thank you
  47. 47. §§Di. .iFC@~S 1. Eastbridge Consulting Group. U. S. WorksiteNo| untaiy Sales Report. Carrier Results for 2012. Avon. CT: April 2013. 2. Company statistics Dec. 31. 2013. 3. 2013 Aflac WorkForces Report, a study conducted by Research Now on behalf ofAflac, January 7 — 24. 2013. 4. Henry J. Kaiser Family Foundation Medical Debt among People with Health insurance Report published January 2014. http: /I kff. org/ prlvate-insurance/ reportlmedlcai—debt-among-people witlrhealthvinsurancel. Accessed on January 23. 2014. 5. Injury Facts. 2011 Edition, National Safety Council. 6. Healthcare Leadership Council: httpzll www. getcoverednow. org/ morelnfo. html. Accessed on Jan. 15, 2013. 7. Social Security Basic Facts, July 26.2013. ltttp: I/www. ssa. gov/ pressofflcelbasicfacthtm. Accessed on Dec. 18. 2013. 8. Council for Disability Awareness. 2012 Long Term Disability Claims Review. 9. U. S. Social Security Administration website; littpzll wwwsocialsc-curIty. gov/ dlbplanldquaIify4.htm. Accessed on December 18. 2013. 10. LIMRA. 2013 Facts About Life. http: I/www. Ilmra. comI uploadedi-'ileslIimracom/ PostsJPR/ LlAM/ PDF/ Facts- Life-2013.pdf. Accessed on December 18, 2013. 10. LIMRA. 2013 Facts About Life. http'J/ www. Ilmra. com/ uploadedFiles/ limracomlPostsIPRlL| AM/ PDF/ Facts- Life-2013.pdi. Accessed on December 18. 2013. 11. “The High Cost of Saying Goodbye. " Money Magazine. November 9. 2012. 12. Cancer Facts and Figures. 2012. American Cancer Society. 13. http: lIwww. cancer. org/ treatment/ findIngandpayingfortreatment/ managinginsurancelssueslthe cost-of-cancer-treatment. Accessed: Jan. 15. 2013. 14. Heart Disease and Stroke Statistics. 2012 Update. American Heart Association. 15. HCUPnet. The Heaithcare Cost and Utilization Project. sponsored by the Agency for Healthcare Research and Quality (AHRO). Link: http: //hcupnet. ahrq. gov/ HCUPneLjsp. Accessed on Jan. 18. 2013. 16. Evaluating iCUCare in Your Community. 2011. 17. National Hospital Ambulatory Medical Care Survey: 2010 Emergency Department Summary Tables. http: //www. cdc. govI nchs/ data/ ahcd/ nhamcs_emergency/2010_ed_web__tabies. pdf. Accessed on Dec. 18. 2013. 18. Centers for Disease Control. Hospital Utilization Faststats. http: l/www. cdc. gov/ nchs/ iastats/ hosplta| .htm. Accessed on December 18, 2013. 19. The Healthcare Cost and Utilization Project. sponsored by the Agency for Heaithcare Research and Quality iAHRO). Statistical Brief 146, Costs for Hospital Stays in the United States. 2010, Link: http: //www. hcup—us. ahrq. govIreportslstatbriefs/ sb146.jsp. Accessed on Jan. 15. 2013.

×