Voluntary Benefits
Accident Insurance
Accidents happen when you least expect them, and recovery can be costly. Your major medical insurance may pay for most services, but you could be left with out-of-pocket expenses that add up quickly.
Aflac Accident insurance helps ease unplanned financial burdens and covers unexpected costs due to an accident, such as ambulance services and emergency room fees. Use the payment any way you choose—from expenses not covered by your major medical plan to day-to-day cost of living expenses such as rent or utility bills. As medical costs continue to rise, this additional layer of financial protection can make a difference at a time when you and your family need it most.
See your Benefits Guide or flyers for detailed plan information.
Accident Overview
Critical Illness Insurance
Aflac Critical Illness insurance helps you prepare for the unexpected. A major illness such as a heart attack, stroke, coma, paralysis, major organ failure, and end state renal failure can leave you emotionally, physically, and financially overwhelmed. Critical Illness insurance can help relieve the financial impact of an illness, so you can focus on recovery.
| Benefit Outline | Critical Illness with Cancer |
|---|---|
| Guarantee Issue | Yes, up to $30k Employee $10k Spouse & Children |
| HSA Compliant | Yes |
| Issue Age EE & Spouse | Attained Age |
| Pre-Ex Waiting Period | None |
| Coverage Amounts Employee Spouse Children |
$50,000 up to $50,000 100% of EE amount 50% of EE amount |
| Specific Illnesses Covered | |
| Cancer | 100% |
| Blindness | 100% |
| Coma | 100% |
| Coronary Artery Bypass Surgery | 25% |
| Alzheimer’s | 25% |
| ALS | 100% |
| Parkinson’s | 25% |
| Heart Attack | 100% |
| Severe Stroke | 100% |
| Multiple Sclerosis (MS) | 100% |
| End Stage Renal | 100% |
| Health Benefit Screening | $100 |
See your Benefits Guide or flyers for detailed plan information.
Critical Illness Overview
Auto & Home Insurance
Your automobile and home are among the largest investments you’ll make. Cabarrus County offers Liberty Mutual Group Savings Plus® Auto and Home insurance to help you protect these valuable assets. This unique program allows you to purchase high-quality auto, home, and renters insurance at low group rates through the convenience of bank draft.
See your Benefits Guide or flyers for detailed plan information.
Pet Insurance
Your pets can now receive coverage to stay healthy, too! Voluntary Pet insurance, through Nationwide, can help you be financially prepared, as veterinary bills can add up quickly.
See your Benefits Guide or flyers for detailed plan information.
Pet Insurance Overview
Whole Life Insurance
Whole Life insurance, through Unum, can pay money to your family if you pass away. It can help them pay for basic living expenses, final arrangements, tuition, and more. Once you’ve purchased coverage, your cost won’t increase and the benefit amount won’t decrease as you age. Premiums are deducted from your paycheck and you can keep the coverage and be billed at home if you leave or retire.
Choose from the following coverage options:
- Yourself: $10,000, $25,000, $50,000, or $75,000 of coverage
- Your Spouse: $10,000 or $25,000 of coverage (even if you don’t purchase it for yourself)
- Your Children/Grandchildren: $10,000 or $25,000 of coverage (even if you don’t purchase it for yourself)
See your Benefits Guide or flyers for detailed plan information.
Whole Life Overview
If you are enrolled in a grandfathered plan with any of the following Colonial, Assurity Cancer, Bay Bridge/MetLife Cancer, or Texas Whole Life, you can find the appropriate Customer Service number and website in the Benefit Contacts section.
