How does aflac insurance work

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What is the purpose of Aflac insurance?

Aflac supplemental insurance provides an additional level of financial protection for your employees and their families in the event of a serious accident or illness. Actually, it’s all we do. For over 60 years, we’ve focused on giving customers the best supplemental insurance experience possible.

How long do you have to have Aflac before you can use it?

Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting Disability begins more than 12 months after the Effective Date of coverage.

Can anyone get Aflac insurance?

Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. … Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs.

How much does Aflac pay for?

Accident Hospital Confinement Benefit Aflac will pay $250 per day for which a covered person is charged for a room for hospital confinement* of at least 18 hours for treatment of injuries sustained in a covered accident. This benefit is payable up to 365 days per covered accident, per covered person.

Is Aflac a good health insurance?

Aflac policies are considered HIPAA excepted benefits because they are not major medical health insurance. This means they’re offered separately from major medical coverage and are not an integral part of an individual’s health plan.

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What all does Aflac cover?

ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment under the care of a Physician for Accidental Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $35– $12,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, …

Does Aflac pay missed work?

Even if you’re able to work, partial disability benefits may be available to help compensate for lost income. Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.

How long does Aflac payment take?

We process, approve and pay policies that are not submitted using Aflac SmartClaim® in an average of 2.1 business days.

Does Aflac cover sick days?

Hospital Confinement Benefit Aflac will pay the amount per day for the level chosen when a covered person requires hospital confinement for 14 or more hours for a covered sickness and incurs a charge. Benefits are not payable for days beyond the 180th day in a period of hospital confinement. ** No lifetime maximum.

Does Aflac cover copays?

If you have Aflac, your cash benefits can be used to help pay your deductible, your portion of coinsurance, your copay or any other expenses you may have. It’s up to you. … After you reach your out-of-pocket maximum, your insurance will cover 100 percent of all expenses, including copays or coinsurance.

Can Aflac replace health insurance?

Aflac insurance policies don’t replace comprehensive health insurance coverage. … Even with major medical insurance, potential out-of-pocket costs associated with illness or injury can be considerably high.

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Can you buy short term disability insurance on your own?

A handful of states require employers provide this coverage. If you cannot get short term disability through an employer or other group membership, you can buy an individual policy. This can be done through an insurance agent or directly from an insurance company that offers this type of coverage.

How much does Aflac pay for short term disability?

Monthly Benefit: $500-$5,000 (subject to income requirements). Aflac expresses benefit amount in scheduled monthly amounts based on the employee’s gross salary and the monthly benefit selected. Note: Aflac is not a provider of Long-Term Disability Insurance.

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