Accident Insurance Benefits

AFGE MEMBER
FREQUENTLY ASKED QUESTIONS

Life can change in a second. Be ready.

Accidents happen. Financial hardship doesn't have to. Cash benefits are paid to you in the event of a covered injury, so you can focus on your recovery instead of your finances.

Supplemental Accident Insurance helps with what your health insurance plan might not cover. Cash benefits are paid directly to you (unless assigned otherwise) to be used however you choose.


Group Accident Insurance helps pay for out of pocket costs that arise from

covered accidents such as fractures, dislocations and lacerations.

Flexible Plan Choices

• 24-hour coverage
• Member, spouse, and dependent children coverage options

Guaranteed-issue

Coverage is guaranteed-issue, which means you may qualify for coverage without answering health questions.

More Than 50 Benefits Including:

• Hospital Admission / $1000
• Hospital Confinement / $200 per day up to 365 days
• Ambulance $200 / Air Ambulance $1,000
• Emergency Room Treatment / $200
• Hospital Intensive Care / $400 per day for up to 30 days
• Benefits for Burns and Lacerations

$50 Wellness Benefit (per 12-month period)

After 12 months of paid premium and while coverage is in force, we will pay this benefit for preventive testing once each 12-month period. Benefits include and are payable (for each covered person) for annual physical exams, mammograms, Pap smears, eye examinations, immunizations, flexible sigmoidoscopies, PSA tests, ultrasounds, and blood screenings.

Hospital Indemnity Insurance

Q. Will my AFLAC Hospital Indemnity Insurance provide a benefit if I am diagnosed with COVID-19 virus and confined or admitted to a hospital?
YES, if hospitalized, your certificate provides benefits for Hospital Confinement, Hospital Admission, Hospital Intensive Care and Intermediate Intensive Care.
Q. Does my AFLAC Hospital Indemnity Insurance have a waiting period or limitation on preexisting conditions?
NO, this policy does not have a preexisting condition limitation or waiting period, but any claims must be incurred AFTER the policy date and premiums have been paid. 
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Critical Illness Insurance

Q. Will my AFLAC Critical Illness insurance provide the lump-sum diagnosis benefit if I am infected with the COVID-19 virus?
NO, this policy pays up to $30,000 for 11 listed Critical Illnesses (like Cancer, Heart Attack, Stroke) but unfortunately, COVID-19 is not a listed illness.
Q. Could my AFLAC Critical Illness insurance provide some benefits if I am infected with the COVID-19 virus?
YES, AFLAC Critical Illness policy has a Health Screen Rider and AFLAC will pay $50 for health screening tests. This benefit is payable once per calendar year and is payable for the covered employee and covered spouse. (Children are not included)
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Accident Insurance

Q. Will my AFLAC Accident Insurance provide a benefit if I am infected with the COVID-19 virus?
NO, this is an accident only plan and it does not have a benefit for COVID-19 or any other illness.
Q. Could my AFLAC Accident Insurance provide any benefit if I am infected with the COVID-19 virus?
YES, after 12 months of paid premium and while coverage is in force, AFLAC will pay $50 for health screening tests. This benefit is payable once per calendar year and is payable for the covered employee and covered spouse. (Children are not included)
VIEW BROCHURE

To add new coverage or make changes to existing coverage or get additional information on these programs and any policy limitations/exclusions click below.

CONTACT AN AGENT
To add new coverage or make changes to existing coverage or get additional information on these programs and any policy limitations/exclusions click below.
CONTACT AN AGENT
Ask your AFGE Benefit Coordinator about these other money saving Union Member benefits.

Union Member Life 

Did you know that changing your FEGLI could save you a full year's salary? Can you afford a FEGLI cost increase of more than 280% from age 65 to 80 after you retire? We have a better option! Family coverage is also available with higher coverage amounts for family members. Guaranteed Issue options available.

Disability Insurance

This plan can provide a tax-free monthly benefit should you be off work due to any covered illness or off the job accident. The coverage provides members a monthly check for both expected and unexpected losses of income. (Expected loss of income like a surgery (medically necessary), maternity (including bed rest) or the unexpected like a car accident or serious illness.)

Dental Insurance

PPO and HMO Plans available
(Plans vary by region).

- Dental Plans as low as $8 bi-weekly 
- Low Co-pays. $10 office visits    
- No Waiting Periods! (Ortho Exception) 
- No charge for oral exams, bitewing x--- rays, or preventative cleanings (DHMO)
- Multiple plan options 

Vision Insurance

Vision plan options have you covered and make eye care affordable. You have access to one of the largest vision networks in the United States, with more than 35,000 participating optometrists, ophthalmologists, and national retail locations, including LensCrafters®, Pearle Vision®, Sears® Optical, Target® Optical, and JCPenney® Optical. 

Benefit Architects has been helping employees make sense of their employer and personal benefits for over 30 years.

Over 100,000 individuals and their families have worked with a trusted Benefit Architects Representative to help them protect what they have earned, retire with confidence and engage in intelligent insurance planning.

Benefit Counseling

It is of the utmost importance to give your members or employees the knowledge they need to make educated buying decisions. A key component of each benefit is the trained staff as well as the marketing and enrollment material Benefit Architects provides to help educate your members and their families about each and every benefit.