A:  As your Union Benefit Representative, we just want you to have the BEST disability coverage available to you. This new Aflac Disability Plan was specifically designed just for Federal Employee Union Members so you could have more benefits without incurring more cost. 

A:  No. AFGE members are not required to convert their existing UNUM coverage, but there will be a time when the UNUM bank account is closed, requiring members to set up a monthly draft. You can learn more about this concern by contacting your Union Benefit Representative.

A:  UNUM policyholders that switch to this new and better Aflac Disability Plan will receive credit for the elimination period that had already been satisfied with the previous policy. If a member has a UNUM policy that is 12 months old, and at the time of application the agent enters the original policy number and date, they will have no additional waiting period for pre-existing conditions on the new Aflac coverage. Policies that are less than 12 months old will get credit for the original UNUM policy date but the total wait for pre-existing conditions will never be more than 12 months after the UNUM policy date.

A:  You must be an AFGE Union member to enroll. If you are currently not an AFGE Union member, Benefit Architects can assist you on how to apply and become a member.

Full-time employment (19 hours per week minimum), is required and must be actively at work at the time of enrollment, plus shall meet salary requirements. 

Member issue ages: 17-74.

A:  No, all UNUM policyholders will be able to switch to the upgraded Aflac Disability Plan without paying a premium increase due to age. If you purchased a UNUM policy at age 35 and you are now 51, you still pay the 35-year-old rate. How awesome is that!

A:  The plan does NOT cover ON-THE-JOB accidents, mental health disease, elective or cosmetic procedures. 

A:  Off-the-job accidents such as car accidents or slip and fall, an illness like cancer or shingles, and surgery for knee replacement or heart procedure.

A:  The Partial Disability Benefit helps you transition back into full-time work after suffering a disability. If you remain partially disabled and are only able to work earning less than 80 percent of your pre-disability income at any job, this plan will still pay you 50 percent of your selected monthly benefit for up to the maximum partial disability benefit period of 3 months after the elimination period. You do not have to have received the total disability benefit to receive the Partial Disability Benefit.

A:  In general, assuming paperwork is complete and additional information is not required, disability claims are paid within 5 business days.

A:  Yes, the policy is valid through age 75.

A:  This custom designed plan is only offered to the AFGE Union members.

A:  Members can elect to receive payment by check or EFT.

A:  Benefit Architects will provide instructions for filing online or paper claim forms along with instructions for filing. It is the member’s responsibility to submit the claim to Aflac and follow up with the claims department. If a member has a difficult experience, Benefit Architects will assist with resolution, but it is always in the member’s best interest to communicate directly with the carrier.

A:  UNUM will mail a conservation letter and lapse notification to the member.

A:  Guaranteed issue is available; member does not need to answer any medical questions. 

A:  No. On-the job accidents are NOT covered.

A:  No. 

A:  

• Aflac’s maximum guaranteed income replacement amount is 60% up to $6000.
• The maximum period of disability due to childbirth is six weeks for vaginal delivery eight weeks for cesarean delivery, less the elimination period.
• Members can apply through age 74 and benefits are valid to age 75.
• Members can elect to receive electronic claim payments.
• Aflac’s short-term disability plan includes a partial disability benefit.