Aflac Accident-Only Insurance - PEF Membership Benefits Program

Accident-Only Insurance

The PEF Membership Benefits Program (PEF MBP) offers active, dues-paying PEF members the opportunity to take advantage of Accident-Only Insurance* through Aflac. Accident-Only Insurance is a 24-hour accident insurance paying a cash benefit for covered accidental injuries. This plan is available to members through payroll deduction.

Accidents can happen at any moment

Accidents can happen at any time and treating them can be costly. Even with health insurance there may be out-of-pocket costs—causing everyday expenses to suddenly seem overwhelming. Aflac Accident-Only Insurance helps provide financial protection if a covered accidental injury occurs. Health care costs continue to rise, and health insurance wasn’t designed to cover everything. From out-of-pocket medical costs to time away from work, the financial impact can be surprising. Aflac can help cover those costs. Best of all, you get paid directly (unless otherwise assigned)—not the doctor or the hospital. Get peace of mind if you experience an accidental injury so you can focus on recovery rather than worrying about finances.

What the Accident-Only Insurance policy covers

Benefits payable for fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, and surgical procedures
Benefits payable for initial treatment as well as follow-up care, including therapy and mental health treatment.
A hospital confinement benefit that increases every year you have the policy, for a 5-year period.
An intensive care unit benefit that increases every year you have the policy, for a 5-year period.
An accidental death benefit.

Key Benefits of Plan

Aflac pays you, not the doctor or hospital.
No underwriting questions to answer.
No coordination of benefits—they pay regardless of any other insurance you may have.
No network restrictions—you choose your own health care provider.
Portable—take the plan with you if you change jobs or retire.^*
24-hour accident insurance.

^*Coverage remains in force as long as premiums are paid.

Insurance Rate Sheet

Who to Contact

For claims: (800) 366-3436
For questions or to enroll:
- Call Antonette (Toni) Wojeski at (518) 669-2349 or,
- Email Antonette directly.

Footnotes, Additional Details & Disclaimers

Benefits and/or premium may vary based on state and benefit option selected. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for benefit details, definitions, limitations, and exclusions.

This policy is a accident-only insurance policy. It does not provide coverage or sickness. It is a supplement to health insurance and is not a substitute for major medical or other comprehensive health insurance coverage. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

PLEASE NOTE: This is not a disability insurance policy and is not intended to replace disability insurance.