AFLAC SHORT TERM DISIBILITY COVERAGE

There are two kinds of expenses related to an accident or sickness:

1. Doctor and the Hospital expenses (Paid by your insurance company)
2. Out-of-pocket expenses (paid by you)

With Aflac, money is paid directly to you for out-of-pocket expenses, such as:

* deductibles
* co-pays
* additional expenses not covered by your insurance,(i.e. lost wages, gas money, food, lodging)

Here is a common scenario that many families encounter:

You or a family member has a serious medical situation requiring immediate attention. The doctor bills and hospital expenses will be paid by your company health insurance. The deductibles and co-pays are your out-of-pocket expenses.
Once you and your family are back at home, additional follow-up care is generally required. Family members will take time off work to drive to and from doctor appointments. Even if the situation qualifies for disability insurance or workers' compensation benefits, they are only covered at 60% of an employee's wages. That is a 40% pay cut. Additional assistance at home, missed work, reduced pay, deductibles, co-pays, etc., it all costs money.

Aflac can help...

by providing disability coverage that can offset the costs associated with accidents, hospitalizations, cancer treatments, heart attacks, and/or strokes. When medical care is needed...Aflac pays you for the out-of-pocket expenses. Fixing a broken tooth, surgery for an accident, ongoing cancer treatment...Aflac is there. The money can be used for any purpose needed...you decide...your choice.

Aflac provides the assurance needed to know your out-of-pocket expenses are covered!
This coverage is paid by the employee, at no cost to the employer. The enrollments are quick and easy, with on-site presentations. All claims are processed quickly, and pre-tax savings are paid incrementally without any price increases!

Over 500,000 businesses in the U.S. offer Aflac and please check us out to see what you're missing!

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