2009

Virgil Richardson

Aflac, Sales Agent

Tel: 212-983-8567 ext 8034 Virgil_richardson@us.aflac.com

Program

The difference between Aflac and Health Insurance Aflac Facts The Solution: Aflac Products Offered Personal Short Term Disability Specified Disease (Cancer Program) Personal Accident Injury Plan Weekly Rates Implementation

What is the difference between Aflac and regular Health Insurance?

Health insurance is designed to meet the median needs of an employee group. Health insurance was not created to pay out-of-pocket costs.

Health insurance covers the medical bills, pays the doctors and the hospitals.
Aflac pays the employee regardless of their health insurance coverage and allows them to spend that money anywhere they see it fit.

Aflac Facts

Aflac is a Fortune 200 company. Aflac insures more than 50 million people worldwide. Aflac pays cash directly to the insured to offset any of out-ofpocket expenses (i.e., co-payments, deductibles, lost of wages, mortgage/rent, car payments, transportation, and lodging.) Aflac benefits are supplemental, pre-tax, and independent of any health insurance benefits. Aflac policies are voluntary, guaranteed renewable and fully portable at discounted group rates. Aflac pays most claims within four days There is no coordination of benefits. There is no employer sponsorship required.

The Solution: Aflac

Aflacs products are a solution for expanding your benefits program while helping to manage the employer paid health care expenses.

The core of our business is to design voluntary employee paid supplemental insurance policies that can be used to enhance your current insurance plan at no additional cost to the company.

Products that best fit Boces portfolio of benefits!

1. Short Term Disability 2. Cancer Protection Plan 3. Accident Plan

Personal Short Term Disability

A paycheck protection plan which pays cash directly to the insured if a disability occurs due to an accident or sickness, on or off the job. Employees choose programs with a (3), (6), (12) or (24) month benefit period. Employees choose their own individual elimination periods ranging from a (0) day wait for an accident up to (180) day wait for sickness. Also covers Maternity Leave in addition to DBL. Rates are determined based on age and income, with monthly benefits starting at $500 and up to $5,000. Aflac is used to bridge gaps in existing STD programs or to fill the complete need.

Specified Disease- Cancer Plan

Pays cash directly to the insured or a family member to help cope with out-ofpocket expenses related to the diagnosis and treatment of Cancer. Benefits include: First Occurrence, Hospitalization, Radiation & Chemotherapy, Blood & Plasma, Transportation & Lodging, Bone Marrow Transplantation for you and the donor, Stem Cell Transplantation, Wellness Benefit for any regular cancer screening just as a preventive, and much more!

Non-medical Expenses not covered by Major Medical or Catastrophic Insurance AFLAC operates with the intention of helping individuals and families in time of need. Although medical expenses are often a significant portion of the financial issues arising from the treatment of cancer, the tremendous monetary costs that are unaffiliated with medical treatment are often overlooked. For example, nonmedical expenses include but are not limited to: travel, loss of wages, family accommodations.
This is a pretax three tier plan: Individual, 1 parent family, or 2 parent family.

Personal Accident Indemnity

Pays cash directly to the insured or family member for treatment of accidental injury on or off the job, 24/7 anywhere in the world. Benefits are paid for Emergency Treatment, Follow-Up Visits, Physical Therapy, Hospitalization, Transportation & Lodging, Major Diagnostic Exams like MRI, CT, AD&D rider, and much more. Pays regardless of your current health insurance coverage. This is a pretax four tier plan: Individual, husband & wife, 1 parent family, or 2 parent family.

Weekly Rates
Personal Short Term Disability* 3 Month Benefit Period 0/7 Day Wait Accident/Sickness Min. of $500 - Monthly Benefit - $3.46
Personal Lifestyle Protector Cancer Plan Individual $7.64 One Parent Family $9.53 Two Parent Family $13.25 Personal Accident Expense Plan Individual $3.60 Husband & Wife $5.17 1 Parent Family $6.99 2 Parent Family $8.68
PSTD premium/benefit/waiting period will vary depending on the exact choice of the employee! This is the only product that employee will determine the cost of the plan.

Implementation

Step 1:
Set up time and date for Employee presentation (30-45 min max) Hand out an interest sheet

Step 2:
Set up time and date to come back and enroll the employees individually 5-10min each Give out ducks as employees enroll :)

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Thank you

Virgil Richardson Sales Agent For AFLAC -9045 Enida_mici@us.aflac.com