2023 Benefit Guide

2024 Benefit Guide

Access Medical

Benefits & Forms

Employee Highlight Sheet

Flexible Spending Accounts

A Flexible Spending Account (FSA) is a special account for healthcare or dependent care expenses. When you enroll in a health care FSA or dependent care FSA, you decide how much to contribute to each account for the entire Plan Year. The annual contribution amount may not exceed the maximum set by the IRS which is $3,200 for healthcare and $5,000 for dependent care. This annual contribution is then deducted in equal amounts from your paycheck, before Federal & State income taxes and FICA taxes are deducted. These “pretaxed” funds are automatically deposited in your account through payroll deduction. Unless you have a qualifying event under Section 125 regulations, you cannot change your election amount during the Plan year.

Managing Your Flexible Spending Accounts

There are two kinds of Flexible Spending Accounts:
• Healthcare Reimbursement FSAs
• Dependent Care FSAs (Day Care Expenses)

Login to the FSA Store – click here

Login to your FSA  –  click here

Benefits & Forms

Benefit Description
NBS Forms and Information

Why is dental health so important?

Regular dental care does more than just improve smiles. Along with good oral hygiene, it can help you and your family
lower your chances of serious health problems.

• Gum disease has been linked to a 50 percent rise in pancreatic and kidney cancer risk and a 30 percent increase in blood cell cancers.
• Research has shown, and experts agree, that there is an association between periodontal diseases and other chronic inflammatory conditions, such as diabetes, cardiovascular disease and Alzheimer’s disease.

How can I get the coverage I need?

Dental insurance offers you a convenient way to get regular dental care and can possibly help prevent life-threatening health problems. And through your employer, you can get this protection at an affordable group rate.

How do I know I’m eligible to participate in this plan?

You can participate in this plan if you are a full-time employee of the policyholder or an associated company, and work in the United States. Full-time means working 20 hours or more per week. Temporary or seasonal workers are not eligible.

Find a Dentist – click here

Benefits & Forms

Benefit Description

Mobile App Instructions

Vision

Here’s Looking at You

Find a Doctor – click here

Benefits & Forms

Benefit Description

Hospital Indemnity

Policy Benefit Highlights
In-Hospital Benefit:

Pays a flat benefit up to 4 times per year (based on benefit elected) when a Covered Person is confined in a Hospital as an Inpatient for at least 18 continuous hours .

Benefits & Forms

Benefit Description
Change Request Form
Claim Form

Claim Instructions

• Complete the Statement of Insured (Sections A through B) as applicable to your claim
• Completing Section D is not required; however, completing this section will reduce delays in processing should we need to request additional information regarding your claim
• An itemized bill with diagnosis from the provider must accompany the completed Statement of Insured
• Your signature is required for benefit consideration

3 ways to submit claim forms and additional documentation

Online:

• Register or log in to APL’s Online Service Center
• Go to My Claims, click “Start Now” and follow the three easy steps to upload your claim

Fax: 877-365-9423

Mail:
American Public Life Insurance Company
Attention: Claims Department
P.O. Box 248950
Oklahoma City, OK 73124-8950

Aflac Cancer

For more than 65 years, Aflac has been a pioneer in cancer insurance. As cancer treatment protocols have changed, our coverage has evolved to help cover the costs of those innovative treatments and provide solutions that enable your employees to seek treatment without the financial concerns that often accompany it.
COVERAGE WHEN IT COUNTS. Cancer can pack a serious financial punch, with costs that major medical insurance may not cover. Aflac’s Cancer Protection Assurance provides financial support before, during and after cancer.
PROACTIVE SUPPORT. We pay a benefit for early detection and preventative care. Why? Because when cancer is detected and treated early, patients are more likely to beat it.5
SUSTAINED COVERAGE. If diagnosed with cancer, we offer benefits that can be counted on to help support your employees throughout the duration of their treatment. But our support doesn’t stop there.
COVERAGE FOR INNOVATIVE CARE. Every person and treatment plan is different, so we offer benefits for innovative procedures as well as traditional treatments.
LIFELONG SUPPORT. Recuperation from cancer treatments can extend years after treatment. Our annual care benefit can help cover financial, physical and emotional needs even after treatment has ended.
For more information on Cancer coverage, please contact your local Benefits Advisor,
or visit www.aflac.com/cancer.

Benefit Information

Cancer Plan Option 1

Cancer Plan Option 2

Cancer Plan Option 3

Plan Information

Short Term Disability

PROTECTS YOUR INCOME WHEN YOU CAN’T WORK.
If you’re unable to work because of a covered disability, Short-Term
Disability insurance replaces a portion of your income in addition to
providing other services and benefits that help you return to work.
PROVIDES YOU WITH A WEEKLY CHECK.
After your claim is approved, you will receive a check for your benefits
that helps you pay everyday expenses like your mortgage or rent,
childcare and groceries.

Plan Information

Claim forms

STD Claim form Employers Statement

STD Claim form Physicians Statement

STD Claim form Employees Statement