Unified Fire Authority Benefit Guide (1) | Page 40

Unified Fire Authority

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

* 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 Employee Non-Tobacco Monthly Premiums

Age $ 5,000 $ 10,000 $ 15,000 $ 20,000 $ 25,000 $ 30,000 18-29 $ 5.43 $ 7.84 $ 10.25 $ 12.66 $ 15.07 $ 17.48 30-39 $ 7.15 $ 11.27 $ 15.40 $ 19.53 $ 23.65 $ 27.78 40-49 $ 11.35 $ 19.69 $ 28.02 $ 36.35 $ 44.69 $ 53.02 50-59 $ 19.50 $ 35.98 $ 52.45 $ 68.93 $ 85.41 $ 101.89 60 + $ 34.90 $ 66.78 $ 98.66 $ 130.54 $ 162.42 $ 194.30

Spouse Non-Tobacco Monthly Premiums

Age $ 5,000 $ 7,500 $ 10,000 $ 12,500 $ 15,000 18-29 $ 5.43 $ 6.63 $ 7.84 $ 9.04 $ 10.25 30-39 $ 7.15 $ 9.21 $ 11.27 $ 13.34 $ 15.40 40-49 $ 11.35 $ 15.52 $ 19.69 $ 23.85 $ 28.02 50-59 $ 19.50 $ 27.74 $ 35.98 $ 44.21 $ 52.45 60 + $ 34.90 $ 50.84 $ 66.78 $ 82.72 $ 98.66

Employee Tobacco Monthly Premiums

Age $ 5,000 $ 10,000 $ 15,000 $ 20,000 $ 25,000 $ 30,000 18-29 $ 6.54 $ 10.07 $ 13.59 $ 17.12 $ 20.64 $ 24.17 30-39 $ 9.66 $ 16.29 $ 22.93 $ 29.56 $ 36.20 $ 42.83 40-49 $ 16.35 $ 29.68 $ 43.02 $ 56.35 $ 69.68 $ 83.01 50-59 $ 29.96 $ 56.90 $ 83.83 $ 110.77 $ 137.71 $ 164.65 60 + $ 53.18 $ 103.35 $ 153.51 $ 203.67 $ 253.83 $ 304.00

Spouse Tobacco Monthly Premiums

Age $ 5,000 $ 7,500 $ 10,000 $ 12,500 $ 15,000 18-29 $ 6.54 $ 8.31 $ 10.07 $ 11.83 $ 13.59 30-39 $ 9.66 $ 12.97 $ 16.29 $ 19.61 $ 22.93 40-49 $ 16.35 $ 23.02 $ 29.68 $ 36.35 $ 43.02 50-59 $ 29.96 $ 43.43 $ 56.90 $ 70.37 $ 83.83 60 + $ 53.18 $ 78.26 $ 103.35 $ 128.43 $ 153.51

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