1 Your Business Name Here2017 Benefit Booklet
2 HCR Education Cost to have Insurance vs. Fines to go uninsured…It's our job to ensure you find the right plan for your needs. This is why we have partnered with Aflac Small Business Solutions (HealthCare.Gov) to ensure you understand the risk vs. reward of health insurance in today’s world. 2017 penalty for an individual not covered with health insurance is $695 or 2.5% of wages, whichever is larger. The penalty for an uninsured family may be higher.
3 Hospital Confinement IndemnityA stay at the hospital is usually costly and major medical insurance may not cover all of the expenses. Hospital Confinement Indemnity insurance policies pay cash benefits directly to the insured to help with costs that may occur following covered hospital visits. These benefits can help ease financial stress you may experience while recovering from an illness, injury, or child birth. Knowing you have money when hospitalized should help you with your health insurance choices. You have the option to upgrade coverage and add a spouse and/or children. Must have health insurance to be eligible.
4 Telemedicine / MeMD When an illness strikes, you can get care right where you are for minor health conditions. Telemedicine is two-way, real-time interactive communication between a patient and healthcare provider at a distant site, supported by audio and video equipment and integrated medical devices. Advances in IT infrastructure, communication and connected medical devices are enabling clinicians to evaluate, diagnose and treat patients remotely. Visit a doctor from the convenience of your own home with technology like your cell phone or computer. Coverage includes immediate family (employee, spouse and dependent children).
5 Income Protection Coverage when you are hurt (off the job) or sick and miss work… Short-Term Disability/Income Protection/Childbirth For many people, a temporary loss of income could have long-term financial consequences. Income replacement will help you have peace of mind. Income protection provides financial protection in the event you are unable to work due to a covered illness or injury. Income protection policies can pay a portion of your income so you are able to focus on getting well. You have the option to upgrade to additional coverage. MAYBE LTD Only if offered by RSLI and then show the long term value of this level of coverage. Once the short-term benefits expire, after three (or six) months, long-term disability insurance pays 60 percentage of your salary. The benefits last until you can go back to work or until age 65. We want to make sure you are covered if an accident or illness takes you out of the workforce for a long time
6 Life Insurance Life insurance policies are designed to provide additional protection to help maintain a family’s lifestyle if the unthinkable were to happen. You can be satisfied knowing your family has access to the financial protection they deserve. You have the option to add coverage and include family.
7 Vision Beyond helping maintain healthy vision, eye exams may help detect high blood pressure, diabetes, high cholesterol, and even brain tumors. We designed our vision plan so individuals and their families can be more proactive about caring for their vision. You have the option to upgrade coverage and add family.
8 Accident Accidents happen on and off the job and can cause a disruption in an employee’s financial stability. If a covered accident occurs, Accident Insurance pays cash benefits directly to the insured for things like x-rays, follow-up treatments, and physical therapy. These benefits can help provide a financial safety net for you and your family. You have the option to upgrade coverage and add family.
9 Identity Theft and Fraud ProtectionBoth online and off, there are risks of having information compromised at every turn. To alleviate the burden of fraud and identity theft, proactive protection is a must. This is why the Identity Theft and Fraud Protection we provide doesn't just restore your identity, it will also monitor and secure you and your information, reducing your risk of ever becoming a victim. You have the option to upgrade coverage and add family.
10 Dental Insurance Our Dental insurance policy is designed to help with the costs of dental expenses and offers benefits with no waiting period for preventative maintenance. You have the option to upgrade coverage and add family.
11 Cancer/Critical Care Cancer/Critical Care insurance is here to help you better cope financially – and emotionally – if a positive diagnosis of cancer/critical illness ever occurs. Allows you to focus on more important things in life, like getting better. Cancer/Critical Care insurance policy is designed to help with the costs of treatments for covered health events, such as: cancer, heart attack, stroke, paralysis, coma, and more. You have the option to upgrade coverage and add family.
12 Aflac For Small BusinessAn Exchange and Benefits Solution Provider About Us Aflac Small Business Solutions, with offices in Greenville, NC and Raleigh, NC specializes in providing enhanced compensation plans to our corporate clients. Our client base of over 9,000 businesses extends across ten states, employing between 3 and 25,000 employees. Our goal is to provide our clients with a seamless process of benefit selection, enrollment, and service that exceeds expectation. Best In Class Carrier Selection Aflac Small Business Solutions only represents the strongest brands in the market – such as Reliance Standard, MeMD, Aflac, Delta Dental, VSP Vision, and EZShield. We work with only the market leaders to ensure the best products for you and your families. An Exchange and Benefits Solutions Provider With the onset of Health Care Reform, more than 70 million Americans are projected to become Exchange-based insurance consumers over the next five years. In addition to enhanced benefits, our proprietary enrollment system – Everwell – also allows us to assist your employees with accessing the federal exchange and selecting qualified major medical plans (and take advantage of federal subsidies and avoid costly penalties). An Enrollment Fulfillment Company Service is our strength. Aflac Small Business Solutions provides turn-key enrollment solutions for your business through our personal communications process. We assist our corporate clients and their employees in understanding and complying with the “individual mandate” – as well as helping each employee tailor a specific package that meets their overall benefit needs.
13 YOUR BUSINESS NAME HEREAn Exchange and Benefits Solution Provider Employee Enhanced Benefit Registration Guide: Welcome to BUSINESS NAME benefit portal! Your open enrollment is coming soon. We know your time is valuable and we want to provide you with an informative, quick and easy enrollment experience through our online portal – accessible 24/7 from any device with internet connectivity. This platform is called Everwell. With Everwell, you can pre-register and learn more about the plans BUSINESS NAME is offering, so you’ll be better prepared to make your benefit elections. ➤ Link to Register: [Employer to provide Group # required at registration/login] ➤ On the Sign In screen, select “First Time Visitor” to register ➤ Next, select the registration method or Text Message and continue For registration: you must enter your personal address. A confirmation will be sent once submitted. From that , you will select “create credentials” and will be directed to complete your registration and will continue set-up. For text registration: You must enter your mobile number and a confirmation will be texted once submitted. On the next screen, you must enter the confirmation number (case sensitive) received through text within 20 minutes of receipt and select “submit”. You will then be directed to complete your registration and will need to continue set-up. Continue set up: – Set Password (remember your password) – Set Security Questions – Verify Personal Information (SSN may be required) – Input Job Duties & select statement delivery preference – Input Home address & a phone number – Add or verify dependents Your set up is now complete. Select “continue” to access the enrollment home page. Once you’ve completed the registration process, please scroll down on the home page for more information or visit the “Resources” tab at the top of the page to learn more about plan offerings.