aflac cancer indemnity
Post on 25-May-2015
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Voluntary Benefits For your employeesAt no cost to your
business
We’ve got you under our wing.
Aflac plans pay cash benefits directly to you are voluntary and enhance your employee benefits belong to you… are portable at same payroll rate provide tax savings realized with pre-tax elections premiums do not increase year to year are guaranteed-renewable
Aflac processes claims quickly- usually within 3 days
Aflac is different from health insurance; it’s insurance for daily living
We’ve got you under our wing.
The Reality of Cancer
Since 1990, over 18 million new cancer cases have been diagnosed
In the U.S., men have a 1 in 2 lifetime risk of developing cancer; women have a 1 in 3 risk
Over 90% of all cancers are the result of nonhereditary risk factors
People are living longer. The five-year survival rate for cancer continues to improve; the survival rate is 66%
23% of deaths in the U.S. are caused by cancer
We’ve got you under our wing.
We’ve got you under our wing.
2009 Estimated US Cancer Cases*
*Excludes basal and squamous cell skin cancers and in situ carcinomas except urinary bladder.Source: American Cancer Society, 2009.
Men766,130
Women713,220
27% Breast
14% Lung & bronchus
10% Colon & rectum
6% Uterine corpus
4% Non-Hodgkinlymphoma
4% Melanoma of skin
4% Thyroid
3% Kidney & renal pelvis
3% Ovary
3% Pancreas
22% All Other Sites
Prostate 25%
Lung & bronchus 15%
Colon & rectum 10%
Urinary bladder 7%
Melanoma of skin 5%
Non-Hodgkin 5% lymphoma
Kidney & renal pelvis 5%
Leukemia 3%
Oral cavity 3%
Pancreas 3%
All Other Sites 19%
We’ve got you under our wing.
Direct vs. Indirect Expenses
Indirect Costs
YOU pay these out-of-pocket:
DeductiblesCo-PaymentsLeft Over Medical BillsLoss of IncomeOut-of-Town TreatmentAt-Home Expenses
Major Medicalusually pays these:
HospitalDoctorDrugsMedicineAnesthesiaRadiologist34%
66%
Direct Costs
We’ve got you under our wing.
$5,000 First Occurrence Benefit Internal Cancer
Builds up by $500 every year
Hospital Confinement Benefit
$300/day 1-30; $600 starting the 31st day
$150 Nursing Services Benefit
$300/day Radiation and/or Chemotherapy
$150 Anti-Nausea Benefit
$300/day Experimental Treatment
$500 Immunotherapy Benefit
$300 Second Surgical Opinion
$100-$5,000 Surgical Benefit
$3,000 Prosthesis Benefit
$350-$3,000 Reconstructive Surgery Benefit
We’ve got you under our wing.
Continued…
$500 Consultation with a National Cancer Institute
Transportation
Lodging Benefit
$200 Medical Imaging
$100-$600 Skin Cancer Surgery Benefit
$10,000 Bone Marrow Transplant Benefit
$1,000 Donor
$5,000 Stem Cell Transplant
Extended Care, Hospice and Home Healthcare
$75 Cancer Screening Wellness Benefit
We’ve got you under our wing.
Specified Diseases Included: 1. Adrenal hypofunction 2. Amyotrophic lateral sclerosis 3. Botulism 4. Bubonic plague 5. Cerebral palsy 6. Cholera 7. Cystic fibrosis 8. Diphtheria 9. Encephalitis 10. Huntington’s chorea11. Legionnaires’ disease12. Malaria13. Meningitis (bacterial)14. Multiple sclerosis15. Muscular dystrophy16. Myasthenia gravis
17. Necrotizing fasciitis18. Osteomyelitis19. Polio20. Rabies21. Reye’s syndrome22. Scarlet fever23. Scleroderma24. Sickle cell anemia25. Systemic lupus26. Tetanus27. Toxic shock syndrome28. Tuberculosis29. Tularemia30. Typhoid fever31. Variant Creutzfeldt-Jakob 32. Yellow fever
Family Coverage:
Family coverage includes the insured; spouse;and dependent, unmarried children to age 25
We’ve got you under our wing.
Policy contains a 30-day waiting period
Applicant diagnosed or treated for internal cancer within the last five years for residents of all states (two years for breast cancer for FL residents only)
Skin cancer exclusion rider if skin cancer diagnosed within the last five years
Applicant receiving hormonal therapy within the last 12 months
Any covered person who has had a previous diagnosis of cancer will not be eligible for a First-Occurrence Benefit under this policy for a recurrence, extension, or metastatic spread of that same cancer
Limitations and Exclusions:
We’ve got you under our wing.
Individual $8.65
Employee and Spouse $14.86
Employee and Child(ren) $10.66
Employee and Family $14.86
Weekly Rates:
We’ve got you under our wing.
Brenda Garrett 941-661-7642
E-mail: brenda_garrett@us.aflac.com
We’ve got you under our wing.
Refer to the policy for complete details, limitations, and exclusions
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