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Why Aflac? |
Life can be unpredictable. One minute you're fine, and the next you're involved in an accident or become seriously ill. And while major medical pays toward your medical expenses, it doesn’t help with your living expenses. That’s why there’s Aflac.
Aflac helps you with different kinds of expenses:
Living Expenses
If you get hurt or sick and miss work, Aflac pays cash benefits directly to you – unless you tell us otherwise – usually in just four days. You can use the cash benefits to help with:
- Rent.
- Groceries.
- Childcare.
- Whatever you think is important
Medical Expenses
Aflac pays cash benefits toward expenses that may not be fully covered by major medical, such as:
- Deductibles.
- Co-payments.
- Out-of-network professionals.
- Prescription drugs.
Out-of-Pocket Expenses
Aflac helps with out-of-pocket expenses that can be vital to a healthy recovery, including:
- Travel expenses to and from special treatment centers.
- Food and lodging while receiving care away from home.
- Extra household help.
Premiums are automatically and conveniently paid through payroll deduction.
This information is applicable only to the employees of SimpleHR in the states of Alabama, Florida, Georgia and Mississippi.
This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. Please contact your AFLAC representative for further details.
American Family Life Assurance Company of Columbus
Plan Details
Aflac Accident Insurance
Accidents happen all the time – about every four seconds, according to the National Safety Council.* When they happen to you, Aflac accident insurance policies can help you manage many of the expenses that your major medical insurance doesn’t cover after an unexpected injury.
*Injury Facts 2005-2006 Edition, National Safety Council
Aflac Short-Term Disability Insurance
Over the last 20 years, deaths due to cancer, heart attack, and stroke have significantly decreased. At the same time, disabilities due to those same three ailments have significantly increased. An Aflac Short-Term Disability policy can help. Just in case.
Aflac Cancer/Specified-Disease Insurance
Cancer impacts so many of our lives, and one of the greatest – and most easily forgotten – effects is financial. In addition to the cost of treatment, the time away from work can deplete your savings in no time at all. An Aflac Cancer/Specified-Disease policy can help.
Aflac Specified Health Event Insurance
Every 26 seconds, an American suffers a coronary event, and every 45 seconds, a stroke.* These are just two of many health events that can change the life of one of your people quickly, and without warning. Aflac can help them be prepared. Just in case.
*According to the American Heart Association, Heart Disease and Stroke Statistics – 2007 Update.
Aflac Hospital Confinement Indemnity Insurance
An extended hospital stay can be a distressing time for you – and your family. It can also be an expensive one, with costs racking up surprisingly quickly. An Aflac Hospital Confinement Indemnity policy can help.
Aflac Hospital Intensive Care Insurance
There are few things more distressing – or expensive – for you or your family than even a short stay in an intensive care unit. With Aflac, you have help defraying the costs. Just in case.
Aflac Life Insurance
Aflac offers a variety of life insurance policies: term life insurance, whole life insurance, or a combination of both to provide the level of coverage you want. Our easy-to-understand coverage offers new features, such as return of premium.
Aflac Long-Term Care Insurance
Aflac offers a Long-Term Care insurance policy. Contact us for details.
Find out more about out partner AFLAC at www.aflac.com

Plan Details
Select Benefits is a limited benefit medical and life insurance policy that can provide coverage for you, your spouse and all other eligible dependents.
Why You Should Enroll
Select Benefits doesn't minimize coverage with prerequisites and benefit requirements.
For example, there are:
- No preexisting condition limitations
All preexisting health conditions are accepted
- No required networks
You may see the medical provider of your choice
- No deductibles
There are no deductibles for covered medical events
- No restrictions with other insurance plans
Claims are paid regardless of any other coverage you may have
Your Monthly Plan
The plan offered by your company provides consistent benefits every month. The stability gives you control over how you manage your care.
Select Benefits is not a replacement for a major medical policy or other comprehensive policy. It is designed to provide a preselected fixed dollar amount for covered benefits used on a routine basis. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. Select Benefits is insured by Symetra Life Insurance Company.
For cost and complete details, contact your Select Benefits representative or your benefits department.
To use your plan, follow these steps:
- Enroll in the plan as directed by your benefits department or Select Benefits representative.
- Present your ID card to the provider at the time of service.
- Ask the provider to bill the policy administrator, Select Benefit Administrators of America (SBBA), directly.
- If there is any balance due, the provider may send you a bill.
You also have the option of paying the provider yourself and filing a claim with SBAA. SBAA will then pay benefits directly to you
Most of the benefits in your plan pay a preselected fixed dollar amount. This is an easy way to know exactly how much coverage you have for a particular benefit. Here's and example of how this works:
You need to see the doctor for some pain you are experiencing.
You present your ID card at the time of the visit, knowing that your plan pays $40 for a doctors office visit. The bill comes to $75, which the provider sends directly to SBAA. A few weeks after your visit, SBAA mails you an Explanation of Benefits showing what was paid. Your provider may send you a bill for the remaining $35. |
Select Benefits is a simple way to provide you and your family with essential health coverage. Enroll today and help find a piece of mind, knowing you are covered.
Symetra Rates
2007 Symetra Benefits Plan Matrix |
Plan #4
84750 |
Plan #7
84760
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Plan #10
84770
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| Life Insurance / AD&D Benefit |
Life Insurance Benefit |
$5,000.00 |
$10,000.00 |
$20,000.00 |
AD&D |
$5,000.00 |
$10,000.00 |
$20,000.00 |
| Dependent Life Insurance Benefit |
Spouse |
$2,500.00 |
$5,000.00 |
$7,500.00 |
Child (6 months - 19 years / 26 if full-time student) |
$1,250.00 |
$2,500.00 |
$3,750.00 |
Infant (14 days - 6 months) |
$200.00 |
$400.00 |
$600.00 |
| Hospital Indemnity Benefit |
| Per Day, Per Person; 30 days maximum per calendar year |
$200.00 |
$500.00 |
$500.00 |
| Per Day, Per Person for treatment of alcoholism or drug abuse; 30 days maximum per calendar year |
$200.00 |
$500.00 |
$500.00 |
| Per Day, Per Person for ICU; 30 days maximum per calendar year |
$400.00 |
$1000.00 |
$1000.00 |
| Per Day, Per Person for mental illness; 300 days maximum per calendar year, 180 days per lifetime |
$100.00 |
$250.00 |
$250.00 |
| Per Day, Per Person for stays in a skilled nursing facility (only if following a covered hospital stay of at least three consecutive days and the person is less than age 65); maximum 60 consecutive days per stay |
$100.00 |
$250.00 |
$250.00 |
| Maximum days lifetime per person (except for mental illness) |
500 |
500 |
500 |
| Benefits become payable on the first day of coverage confinement |
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| Maternity Care covered as any other illness |
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| No Deductible and no Co-payment |
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| No additional premium charge for additional eligible dependents |
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| Surgical Benefit |
| Surgical Benefit per person, per calendar year maximum. Benefits paid directly to the physician/surgeon, not to the facility. No deductible and no additional premium charge for eligible dependents. |
None |
$1,000.00 |
$1,000.00 |
| Doctor's Office Visit Indemnity Benefit |
| Selected dollar benefit per person, per visit up to a calendar year maximum. No deductible. Excludes routine exams and injections. No additional premium charge for eligible dependents. |
$40/$300 |
$55/$300 |
$55/$300 |
| Outpatient Diagnostic X-ray and Lab (DXL) Indemnity Benefit |
| Tests ordered or performed by a doctor, payable at selected dollar benefit per person, per visit up to a calendar year maximum when hospital confinement is not required. Must be medically necessary. No deductible. No additional premium charge for eligible dependents. |
$45/$300 |
$55/$300 |
$55/$300 |
| Additional Accident Benefit |
| Covered charges payable for services furnished by a doctor or hospital within 90 days after an accident. No deductible or co-payment. No additional premium for eligible dependents. Per Person, Per Calendar Year Maximum. |
$300.00 |
$500.00 |
$500.00 |
| Prescription Drug Benefit |
| Per person calendar year maximum, per family calendar year maximum; Co-Payment: Generic- $10 Name Brand-$20 |
None |
None |
$150/$300 |
| Preventive Care Indemnity Benefit |
| Routine exams, medical treatment and injections payable at selected dollar benefit per visit, up to a calendar year maximum. |
None |
$50/$150 |
$75/$150 |
| Other Additional Benefits |
Survivor Benefit |
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Pharmacy Discount Program |
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Vision Benefit |
No |
No |
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Dental Care Benefit |
No |
No |
|
Employee Disability Weekly Benefit |
No |
No |
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COBRA Eligible (Plan is portable) |
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Current Rates are available by contacting the Simple HR Benefits Administrator,
Sally LaPierre, at 1-850-650-9935, extension 37.
Identity Theft ShieldSM
$12.95 per month
It's no secret: Identity Theft is a major problem in America.
Think you're not at risk? Unfortunately, you are.
- Do you hand your credit card to servers at restaurants?
- Do you sign your credit cards?
- Do you supply personal information over the Internet?
- Do you keep your Social Security number in your wallet or purse?
- Do you leave mail at your home or business for the postal carrier to collect?
- Do you shred unwanted mail with personal information?
What does the Identity Theft ShieldSM Cover?
- Credit Reports
- Continuous Credit Monitoring
- Identity Restoration
Prepaid Legal Services
$15 monthly
Preventative Legal Services
- Legal Consultation & Advice
- Letters & Phone Calls
- Contract & Document Review
- Will Preparation
Motor Vehicle Legal Services
- Minor and Major Legal Expenses
Trial Defense Services
- Up to 60 Hours of Attorney Time
IRS Audit Legal Services
- Up to 50 Hours of Attorney Time
Preferred Member Rates
- Receive 25% off your Provider Law Firm’s standard rate
Select both benefits for just $25.00 per month!
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