Unified Fire Authority Benefit Guide (1)_ (003) | Page 40

Critical Illness

Insured by Aflac

Aflac can help ease the financial stress of surviving a critical illness.

While a major medical plan may pay for a good portion of the costs associated with a critical illness, there are a lot of expenses that may not be covered. And, during recovery, having to worry about out-of-pocket expenses is the last thing anyone needs.

That’ s the benefit of an Aflac Group Critical Illness plan. It can help with the treatment costs of covered critical illnesses, such as a heart attack or stroke.

More importantly, the plan helps you focus on recuperation instead of the distraction of out-of-pocket costs. With the Critical Illness plan, you receive cash benefits directly— giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

The plan has limitations and exclusions that may affect benefits payable. Refer to your certificate for complete details, definitions, limitations, and exclusions.

Covered Dependents Receive 50 % of Your Benefit Amount

Covered Critical Illnesses Cancer( Internal or Invasive) 100 % Heart Attack( Myocardial Infarction) 100 % Benign Brain Tumor 100 % MS 100 % ALS 100 % Stroke( Ischemic or Hemorrhagic) 100 % Major Organ Transplant 100 % Kidney Failure( End Stage Renal Failure) 100 % Bone Marrow Transplant( Stem Cell Transplant) 100 % Sudden Cardiac Arrest 100 % Severe Burns * 100 % Paralysis ** 100 % Coma ** 100 % Loss of Speech / Sight / Hearing ** 100 % Childhood Conditions: Cystic Fibrosis, Cerebral Palsy, Cleft

50 %

Lip, Down Syndorome, PKU, Spina Bifida, Type 1 Diabetes Coronary Artery Bypass Surgery 25 % Carcinoma in Situ 25 % Alzheimer’ s 25 % Parkinson’ s 25 % Autism Spectrum Disorder( One Time Benefit Amount) $ 3,000

* This benefit is only payable for a burn due to, caused by, and attributed to, a covered accident. ** These benefits are payable for loss due to a covered underlying disease or a covered accident.

Initial Diagnosis Aflac will pay a lump sum benefit upon initial diagnosis of a covered critical illness when such diagnoses is caused by or solely attributed to an underlying disease. Cancer diagnoses are subject to the cancer diagnosis limitation. Benefits will be based on the face amount in effect on the critical illness date of diagnosis.

Additional Diagnosis Aflac will pay benefits for each different critical illness after the first when the two dates of diagnoses are separated by at least six consecutive months. Cancer diagnoses are subject to the cancer diagnosis limitation.

Reoccurrence Aflac will pay benefits for the same critical illness after the first when the two dates of diagnoses are separated by at least six consecutive months. Cancer diagnoses are subject to the cancer diagnosis limitation.

Skin Cancer Benefit Aflac will pay $ 250 for the diagnosis of skin cancer. We will pay this benefit once per calendar year.

Premium Rates

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