Personal Accident Expense Plus

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Aflac Worldwide Headquarters
1932 Wynnton Road
Columbus, GA 31999
1-800-992-3522
http://www.aflac.com/us/en/Default.aspx

Benefits include:

• Accident Emergency Treatment Benefit: AFLAC will pay $120 for the insured and their spouse and $70 for children if a covered person receives treatment for injuries sustained in a covered accident. Treatment must be received within 72 hours of the accident for benefits to be payable. This benefit is payable once each 24-hour period per covered accident per covered person.
  
  
• Accident Follow-Up Treatment Benefit: AFLAC will pay $25 per treatment per day for up to a maximum of six treatments per covered accident for follow-up treatment received for injuries. Treatment must be over and above emergency treatment administered in the first 72 hours following the accident and must begin within 30 days of the covered accident or discharge from the hospital. This benefit is not payable for the same visit the Physical Therapy Benefit is paid.
  
  

  Ambulance Benefit: AFLAC will pay $100 for ground ambulance transportation or $500 for air ambulance transportation if a covered person requires transportation by a licensed professional ambulance service. Transportation must occur within 72 hours of the covered accident.

  
  
• Transportation Benefit: AFLAC will pay $300 per trip to the hospital if a covered person requires special treatment and confinement in a hospital located more than 100 miles from the covered person’s residence or site of the accident. This benefit will be paid only for the covered person for whom the treatment is prescribed; or if the treatment is for a dependent child and commercial travel is necessary, the dependent child’s parent or legal guardian who travels with the child will also receive this benefit. Only one person will be paid to travel with the dependent child. The local attending physician must prescribe the treatment, and the treatment must not be available locally. This benefit is payable for up to three trips per calendar year per covered person. This benefit is not payable for transportation by ambulance or air ambulance to the hospital.
  
  
   
• Family Lodging Benefit:  AFLAC will pay $100 per night for one motel/hotel for a member of the immediate family to accompany the covered person if treatment of injuries requires hospital confinement and if the hospital and motel/hotel are more than 100 miles from the residence of the covered person. This benefit is payable up to 30 days per accident and only during the time the injured person is confined in the hospital.
  
  
• Initial Accident Hospitalization Benefit: AFLAC will pay $1,000 if a covered person requires hospital confinement for injuries sustained. This benefit is payable only once per hospital confinement and only once per calendar year per covered person.
  
  
• Accident Hospital Confinement Benefit: AFLAC will pay $200 per day if a covered person requires hospital confinement for treatment of injuries sustained. This benefit is payable up to 365 days per covered accident per covered person.
  
  
• Intensive Care Confinement Benefit:  AFLAC will pay an additional $400 per day if a covered person is receiving the Hospital Confinement Benefit and requires confinement in an intensive care unit. This benefit is payable up to 15 days per covered accident.

Accident-Specific-Sum Injuries Benefit: $25 - $10,000 for a covered injury.

• Physical Therapy Benefit: AFLAC will pay $25 for one treatment per day for up to a maximum of six treatments. Physical therapy must be for injuries sustained in a covered accident and must start within 30 days of the covered accident or discharged from the hospital. Treatment must take place within six months after the accident. This benefit is not payable for the same visit that the Accident Follow-Up Treatment Benefit is paid.
  
  
• Accidental-Death and Dismemberment Benefit: The following benefits are payable for death if it is the result of injuries sustained in a covered accident:
  
   

ALFAC will pay the applicalbe lump-sum benefit indicated below for dismemberment due to a covered accident. Only the largest benefit will be paid for any one accident.

• Wellness Benefit – After 12 months of paid premium and while coverage is in force, AFLAC will pay $60 for you or any one family member to undergo routine examinations or other preventive testing. Benefits include annual physical exams, mammograms, Pap smears, eye examinations, immunizations, flexible sigmoidoscopies, PSAs, ultrasounds and blood screenings.

_{For additional benefits and more information on the above benefits, please refer to Personal Accident Expense Plus Brochure.}

Ages 18-69:  If you are working at a full-time job while coverage is in force and your off-the-job accident causes you to be totally disabled within 90 days of the accident, AFLAC will pay one-thirtieth of the benefit shown in the Policy Schedule for each day you remain totally disabled. If you are not working at a full-time job while coverage is in force and a covered off-the-job accident causes you, within 90 days of the accident, to be unable to perform two or more activities of daily living (ADL)as certified by your physician and you require direct personal assistance to perform ADLs, AFLAC will pay you one-thirtieth of the benefit shown in the Policy Schedule for each day you cannot perform such ADLs. Benefits are payable up to the benefit period selected, and subject to the elimination period shown in the Policy Schedule.

TO BE ADDED TO ACCIDENT BASE

OFF JOB ACCIDENT ONLY DISABILITY

This page is maintained by Lisa Giger. Send questions and comments regarding this site to lgiger@deltastate.edu