2018 Aflac Incorporated Benefits Guide

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ACCIDENTAL DEATH AND DISMEMBERMENT
INSURANCE
EL IGIBI L ITY:
All full- and part-time employees are eligible on the first day of employment. Part-time employees must work at least
20 hours per week to be eligible for coverage.
YOU SHOULD KNOW:
➤➤Accidental death and dismemberment coverage is provided
by Reliance Standard.
➤➤Aflac pays the premiums for basic accidental death
and dismemberment insurance coverage. There is no cost
to you. You pay for any voluntary coverage you choose for
yourself. Spouse and dependent coverage is not available.
➤➤Accidental death and dismemberment insurance differs
from life insurance. It pays a benefit if you sustain specific
loss-of-function injuries due to a covered accident or if you
die due to a covered accident. Additional benefits are paid
in specific situations, such as if you die while wearing a seat
belt, and to help pay a surviving child’s college expenses.
Coverage
Employee Basic Accidental Death and Dismemberment Insurance
Basic insurance
coverage
Accidental death and dismemberment insurance equal to 1.5 times your annual base salary
(as of each pay date), up to a $1,000,000 maximum. Coverage is rounded up to the next
whole $1,000.
Benefits for
covered losses
Resulting
Condition/Loss
% of Coverage
Amount Paid
Resulting
Condition/Loss
% of Coverage
Amount Paid
➤➤Life
➤➤Brain Death
➤➤Two or more
members
➤➤One member
100%
100%
100%
50%
➤➤Quadriplegia
➤➤Paraplegia
➤➤Hemiplegia
➤➤Uniplegia
➤➤Thumb and index
finger of same hand
➤➤Four fingers or four
toes of the same
hand or foot
200%
50%
50%
25%
25%
25%
Additional benefits ➤➤Education up to $5,000 annually
➤➤Day Care up to $5,000 annually
➤➤Seatbelt/Airbag Benefit, $25,000 each
➤➤Rehabilitation Benefit, 1% of Principal Sum or
$2,500
➤➤Home alteration and vehicle modification, up
to $10,000
➤➤Coma, 1% for up to 100 months
➤➤Higher education, up to $15,000 for 4 years
➤➤Paralysis, per schedule
Your cost There is no cost to you for basic coverage. Aflac covers 100 percent of the cost.
Employee Voluntary Accidental Death and Dismemberment Insurance
Coverage options You may choose increments of one to eight times your annual base salary (as of each pay date), up
to $1,000,000 maximum in addition to your basic coverage. Voluntary coverage is rounded up to
the next whole $1,000.
Your cost You pay 100 percent of the cost of voluntary coverage at group rates.
FOR MORE INFORMATION ABOUT:
Employee accidental death and dismemberment insurance coverage: See the Summary Plan Description on
or call 706-317-0770. All of your Aflac benefits: Go to
.
How to Apply for
Aflac Coverage