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 medical 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 co-pays and deductibles, 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 added 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

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

This IS NOT A MEDICARE SUPPLEMENT policy. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare available from Aflac New York.

In New York, coverage is underwritten by American Family Life Assurance Company of New York.

38000 series: NY38100, NY38200, NY38300.

This is a brief product overview only. Coverage/plan options may not be available in all states. This is for New York only. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For availability and costs, please talk to your Aflac agent/producer.

Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211

Z2600180 Exp. 3/27