Page 17 - Guaranty Home Mortgage-2022-Benefit Guide

Voluntary Plans – AFLAC

Accident Insurance Critical Illness Insurance
Accident Insurance provides benefits to help cover the Critical Illness Insurance provides cash to help pay for both
costs associated with unexpected bills due to covered medical expenses not covered by your medical plan as well
accidents, regardless of any other insurance you have. as day-to-day expenses that may start to add up — like rent,
If you purchase coverage and are hurt in a covered mortgage, car payments, etc. — while you are ill. With Critical
accident, you will receive a cash benefit for covered Illness Insurance, if you are diagnosed with a covered illness,
injuries that you may spend as you like. you get a lump-sum cash benefit, even if you receive other
insurance benefits.
Accident Insurance Highlights
When enrolling in this plan, you will select a lump sum
Initial Treatment (once per accident, $75-$200 benefit out of the offered amounts. The percentages below
within 7 days of accident) reflect the payment that would be received should you

Major Diagnostic Testing $150 experience one of the covered illnesses or events.
Emergency Room Observation $35-$70
Critical Illness Insurance Highlights
Hospital Admission $900 Heart Attack (Myocardial Infraction) 100%
Hospital Confinement (per day) $225
Sudden Cardiac Arrest 100%
Follow up treatment (6 max)/Therapy $35 Coronary Artery Bypass Surgery 25%
(10 max)
Major Organ Transplant 100%
$75-$750/
Burns: Second Degree/Third Degree
$750-$15,000 Bone Marrow Transplant (Stem Cell 100%
Transplant)
Dislocations $180-$4,500
Lacerations $75-$600 Kidney Failure (End-Stage Renal Failure) 100%
Fractures $240-$6,000 Stroke (Ischemic or Hemorrhagic) 100%
Surgery $35-$750
Cancer (Internal or Invasive) 100%
Appliances $30-$300 Non-Invasive Cancer 25%
Wellness (per insured, per year; amount Skin Cancer $250/calendar year
increases over time.) $25-$75
Health Screening Benefit (payable to $50/insured per
employee and spouse only) calendar year
Bi-Weekly
Accident Insurance Monthly Rates Cost dependent on benefit level and age –
Rates please see ADP for details
Employee Only $7.41 $16.06
Employee + Spouse $11.86 $25.70
Employee + Child(ren) $15.86 $34.36

Family $20.31 $44.01

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