Everyone has seen the commercials with the duck, but few people know what the duck and Aflac do.
I recently added someone to my team who offers supplemental insurance benefits through Aflac. Would it be possible for us to come in and meet for 20 minutes with you to see if it would be beneficial to offer the benefits to your employees? The benefits are supplemental to your current medical benefits and do not compete with them. They are voluntary and paid for by the employee, not the employer. Here is a quick description of what would be offered.
What Aflac does is simple. When you or a family member has an accident or illness, medical insurance pays the hospitals and doctors…but there’s a problem. Up to 50% of the costs associated with an accident or illness are non medical, which means it comes out of your employees pockets in the form of:
Medical Expenses: Such as co-pays, deductibles, coinsurance, out of network costs, reasonable & customary charges & alternative treatments which are becoming much more popular.
Loss Of Income: You could be out of work because of an accident or illness, maternity or taking care of a spouse or child if it was something significant.
Out Of Pocket Expenses: Rent, mortgage, utilities, food, daycare, student loans, tuition….the reality is that your paycheck will stop but your bills won’t, they still keep coming..
So what we do is simple. We pay cash directly to your employees above and beyond any insurance…. we have nothing to do with medical insurance. Medical insurance pays hospitals and doctors. Aflac pays cash directly to you. The money is tax-free and can be spent any way they see fit. The programs are paid for, owned and controlled by the employees so there’s no cost to you, the employer. Aflac plans are portable and guaranteed renewable, which means we can’t take your coverage away or raise your premiums. Aflac hasn’t raised their premiums on existing policyholders since 1955. The only way it stops is if you don’t pay.
As the employer, you can offer our programs at absolutely no cost to you. Matter of fact, if we set up the benefits on a pre-tax basis (which Aflac will administer at no cost), it will save the company money
Aflac
