An unexpected injury-related accident could mean a trip to the emergency room. And unanticipated, uncovered, after-treatment ER bills can add up quick. Your major medical insurance will help with many of your expenses, but wouldn't you feel better knowing you'll have extra help paying some of your bills?
Group Accident Insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Benefits include:
LOW OPTION – 24 HOUR PLAN |
Biweekly (26pp/yr) |
Associate |
$2.02 |
Associate and Spouse |
$3.17 |
Associate and Dependent Children |
$4.25 |
Family |
$5.40 |
LOW OPTION – 24 HOUR PLAN |
Semimonthly (24pp/yr) |
Associate |
$2.18 |
Associate and Spouse |
$3.43 |
Associate and Dependent Children |
$4.60 |
Family |
$5.85 |
AGC2001100R2 EXP 10/22
Phone 1-800-906-8789 |
Hours M-F 6a-3p PT |
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Email employerbenefitsinquiries.service@mercer.com |
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Accident Insurance Guide |
Accident Insurance Guide (Español) |
The following services are only available to enrollees in an Aflac group plan.
Health Advocate |
Medical Bill Saver |
MeMD Telemedicine Services |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.
For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.
How can this help me?
Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages you or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? This plan does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.
Who is eligible?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage?
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, benefits available for covered accidents will include:
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You’ll also receive a lump-sum payment when you have these covered medical services/treatments:
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