Disability Insurance

Disability Insurance Benefits

AFGE MEMBER
FREQUENTLY ASKED QUESTIONS

If you’re sidelined, will your bank account be disabled?

Disability benefits help keep your account up and running

Individual Short Term Disability Insurance can pay you a percentage of your gross monthly salary if you become injured or ill due to a covered disability or covered pregnancy. You can choose monthly benefit amounts from $400 to $5,000. You can use it any way you choose. 

Below are examples of expenses that you may choose to cover with your disability benefits:
  • Mortgage/rent
  • Transportation (gas, car payments, repairs)
  • Utilities (electric, water, cable, internet)
  • Child care/elder car
  • College expenses
  • Loans/credit card debt

Get the coverage you need.

Individual Short Term Disability Insurance is offered to all eligible employees ages 17 to 69 who are actively at work. You decide if its right for you.

Four reasons to buy this coverage at work

01

You own the policy so you can keep it even if you leave the company ore retire. Unum will bill you directly for the same premium amount.

02

Coverage becomes effective on the first day of the month in which payroll deductions begin.

03

Your policy is guaranteed renewable, until age 72, as long as you pay the premiums on time.

04

Affordable premiums are based on your age on the policy effective date and are deducted from your paycheck.

Four reasons to buy this coverage at work

Guaranteed-issue

New Members are eligible to receive, core coverage (50% of your monthly income up to $5,000) without answering health questions - and you cannot be turned down. Members who were eligible during our previous enrollment but did not apply may still apply for coverage with a simple three question application.

Payments Direct to You

This policy will pay a monthly tax free benefit to you. It pays in addition to your sick and/or annual leave, but will not pay in addition to Workers Compensation.

Affordable

Coverage is available to you at affordable rates that are determined by your needs.

Yours to Keep

You can keep your coverage and pay the same rates if you retire or take another job.

 Payroll Deducted

Premiums are paid automatically from your paycheck so you have one less bill to think about.

Flexible

Individual members can customize a plan that best fits your needs and your budget.
  • Select Benefit Amounts from $400 to $5,000 per month
  • Select the Max benefit period from 6 months to 60 months
  • Members can choose a 7, 14, or 30 day waiting period for a covered illness
  • No Elimination Period for Accidents

Hospital Indemnity Insurance

Q. Will my AFLAC Hospital Indemnity Insurance provide a benefit if I am diagnosed with COVID-19 virus and confined or admitted to a hospital?
YES, if hospitalized, your certificate provides benefits for Hospital Confinement, Hospital Admission, Hospital Intensive Care and Intermediate Intensive Care.
Q. Does my AFLAC Hospital Indemnity Insurance have a waiting period or limitation on preexisting conditions?
NO, this policy does not have a preexisting condition limitation or waiting period, but any claims must be incurred AFTER the policy date and premiums have been paid. 
VIEW BROCHURE

Critical Illness Insurance

Q. Will my AFLAC Critical Illness insurance provide the lump-sum diagnosis benefit if I am infected with the COVID-19 virus?
NO, this policy pays up to $30,000 for 11 listed Critical Illnesses (like Cancer, Heart Attack, Stroke) but unfortunately, COVID-19 is not a listed illness.
Q. Could my AFLAC Critical Illness insurance provide some benefits if I am infected with the COVID-19 virus?
YES, AFLAC Critical Illness policy has a Health Screen Rider and AFLAC will pay $50 for health screening tests. This benefit is payable once per calendar year and is payable for the covered employee and covered spouse. (Children are not included)
VIEW BROCHURE

Accident Insurance

Q. Will my AFLAC Accident Insurance provide a benefit if I am infected with the COVID-19 virus?
NO, this is an accident only plan and it does not have a benefit for COVID-19 or any other illness.
Q. Could my AFLAC Accident Insurance provide any benefit if I am infected with the COVID-19 virus?
YES, after 12 months of paid premium and while coverage is in force, AFLAC will pay $50 for health screening tests. This benefit is payable once per calendar year and is payable for the covered employee and covered spouse. (Children are not included)
VIEW BROCHURE

To add new coverage or make changes to existing coverage or get additional information on these programs and any policy limitations/exclusions click below.

CONTACT AN AGENT
To add new coverage or make changes to existing coverage or get additional information on these programs and any policy limitations/exclusions click below.
CONTACT AN AGENT
Ask your AFGE Benefit Coordinator about these other money saving Union Member benefits.

Union Member Life 

Did you know that changing your FEGLI could save you a full year's salary? Can you afford a FEGLI cost increase of more than 280% from age 65 to 80 after you retire? We have a better option! Family coverage is also available with higher coverage amounts for family members. Guaranteed Issue options available.

Disability Insurance

This plan can provide a tax-free monthly benefit should you be off work due to any covered illness or off the job accident. The coverage provides members a monthly check for both expected and unexpected losses of income. (Expected loss of income like a surgery (medically necessary), maternity (including bed rest) or the unexpected like a car accident or serious illness.)

Dental Insurance

PPO and HMO Plans available
(Plans vary by region).

- Dental Plans as low as $8 bi-weekly 
- Low Co-pays. $10 office visits    
- No Waiting Periods! (Ortho Exception) 
- No charge for oral exams, bitewing x--- rays, or preventative cleanings (DHMO)
- Multiple plan options 

Vision Insurance

Vision plan options have you covered and make eye care affordable. You have access to one of the largest vision networks in the United States, with more than 35,000 participating optometrists, ophthalmologists, and national retail locations, including LensCrafters®, Pearle Vision®, Sears® Optical, Target® Optical, and JCPenney® Optical. 

Benefit Architects has been helping employees make sense of their employer and personal benefits for over 30 years.

Over 100,000 individuals and their families have worked with a trusted Benefit Architects Representative to help them protect what they have earned, retire with confidence and engage in intelligent insurance planning.

Benefit Counseling

It is of the utmost importance to give your members or employees the knowledge they need to make educated buying decisions. A key component of each benefit is the trained staff as well as the marketing and enrollment material Benefit Architects provides to help educate your members and their families about each and every benefit.
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