Through Aflac, Belkin offers Accident, Critical Illness and Hospital Indemnity insurance that provide additional protection to help you pay expenses not covered by your medical plan.
Aflac Coverage Overview
| Group Accident Insurance | Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident. |
|---|---|
| Group Critical Illness Insurance | When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time. |
| Group Hospital Indemnity Insurance | A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance helps cover your copays, deductibles, and other out-of-pocket costs. |
Group Accident Insurance
Accident insurance pays benefits directly to you (unless otherwise assigned) in the event of a covered accident, regardless of any other coverage you may have.
Benefits are paid according to a fixed schedule that includes benefits for hospitalization, fractures and dislocations, emergency room visits, major diagnostic exams, physical therapy and more. Please refer to the benefit summary for details of the benefits.
Group Critical Illness Insurance
Critical Illness insurance pays benefits if you are diagnosed with a covered critical illness after your coverage effective date.
This coverage helps with the cost associated with a critical illness, such as lost income, child care, travel to and from treatment, high deductibles and copays.
Group Hospital Indemnity Insurance
Hospital Indemnity insurance provides financial assistance to enhance your current coverage. It helps you avoid utilizing your savings or having to borrow to cover out-of-pocket costs health insurance was never intended to cover.
Hospital Indemnity insurance can help with expenses such as transportation and meals for family members, help with child care, or time away from work.
Enrolling for Coverage
If you enroll for Group Accident insurance, Group Critical Illness or Group Hospital Indemnity insurance when you are first eligible (at hire), you will not be required to provide evidence of insurability (proof of good health). Covered employees who experience a qualifying event may add eligible dependents without evidence of insurability, as long as the enrollment is submitted within the required timeframe for a qualifying event. During Open Enrollment, employees who previously waived coverage of Group Accident insurance, Group Critical Illness or Group Hospital Indemnity insurance may enroll, however, evidence of insurability may be required.
Covered employees may cancel their Group Accident insurance, Group Critical Illness or Group Hospital Indemnity insurance coverage at any time during the plan year.
The Aflac Accident insurance, Critical Illness and Hospital Indemnity insurance plans are underwritten by Continental American Insurance Company (CAIC), a member of the Aflac family. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. In California, coverage is underwritten by Continental American Life Insurance Company. This is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions. AGC2101377 EXP 8/22
Additional information can be found on the Belkin Aflac microsite.
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ARAG offers two levels of legal insurance coverage for a wide range of legal needs:
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- UltimateAdvisor Plus includes all the services covered by the UltimateAdvisor plan plus family law, tax services, financial counseling, identity protection, immigration assistance and more.
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