Aflac Group Insurance


Open enrollment for Aflac runs from September 15th to October 30th each year.  New hires may enroll within the first 60 days of employment.

What is Aflac?

Aflac is not health insurance or disability insurance, it is supplemental insurance that provides you and your family with cash in your time of need.  We all have medical insurance that pays doctors and hospital bills, but there are other everyday expenses and unexpected costs that can cause anxiety and stress when dealing with an unfortunate event. It is coverage that provides you a financial cushion when you need it most.

Aflac benefits are paid to you directly, regardless of how much your health insurance covers or whether you miss work.  These benefits can be used to cover your rent, mortgage, utility bills, gas, travel, daycare, or however you see fit.

Accidental injuries (both on and off the job), major illnesses (including cancer and heart disease), doctor visits, and hospital stays (due to covered sicknesses), and much more are all covered through the multiple plan options which are available.

Group Critical Illness

What is Aflac Group Accident Insurance?

You never know when something will happen, but with the Aflac Accident plan, you can be prepared for it when it does. Whether you suffer a fracture, torn ligament, dislocation, or even cuts and burns, this plan will provide benefits, regardless of whether you miss work. An accidental death benefit (up to $100,000), and a wellness benefit ($60 for routine exams), are also included.

Aflac accident insurance pays benefits for injuries that happen both on and off the job. Below are a few examples of accidental injuries we file claims for.

* Work-related injuries

* Motorcycle or car accidents

* Sports related injuries

* Slips and falls

Group Accident Plan

What is the Aflac Critical Illness plan?

Beating a critical illness (Cancer, Heart Attacks, Strokes etc) can be tough enough, but it’s tougher when the bills start to add up. The financial stress related to a critical illness can be overwhelming. Dealing with such an illness is certainly difficult enough, but the added financial stress of accumulating bills exacerbates that stress.

That is how the Critical Illness plan was designed to help. Aflac will provide you with a lump sum payment ($10,000 – $50,000), so you’re able to refocus your energy on your health. The plan’s benefits can be used to help cover medical expenses (that major medical insurance doesn’t cover), living expenses, as well as the hidden costs of illness – travel, lodging, miscellaneous out-of-pocket expenses, airfare for family members, and even missed time at work.

Cash benefits for annual health screenings ($50) and mammograms ($200) are also included.

Group Hospital Plans

What is the Hospital Indemnity plan?

Aflac Group Hospital Indemnity insurance provides supplemental benefits that enhance existing coverage and allows members to cover expenses even when visiting the ER, or a doctor for non-accidental injuries and illnesses that occur off the job. The is the most comprehensive plan offered by Aflac.

Whether the visit is due to an ear infection, the flu, a cold, kidney stones (any much more), this plan will provide benefits that the family can use to help reduce any financial stress the situation may have caused.

Members may choose from two different plan types, Plan 2 or Plan 4, with Plan 4 having some larger benefits. The plans are guaranteed issue and offer hospital admission benefits ($300 or $500), hospital confinement benefits ($200 or $300 per day) and various surgery benefits ($500-$3000). Doctor visits ($50), lab tests ($25), x-rays ($50), and even a prescription benefit ($10 or $20 per prescription) are also included. The plan does have some maximums to its benefit payouts for a calendar year, so please see the plan details for more information. The plan also offers a $100 mammogram and a $50 pap smear wellness benefit.

Enrollment Is Easy

Enrollment is done online and is open to all SDCPOA members. Simply visit for more information and rates. If you need assistance, please call Will Stover at (619) 535-7240

Like most group Benefit plans, it is important for you to understand the exclusions, limitations, and your schedule of benefits. This information can be found online at