Cascades offers voluntary benefits coverage for employees, spouses, and children, to get help with expenses health insurance doesn’t cover
Accident Insurance
Hospital Insurance
Critical Illness
Short-Term Disability
Life Insurance
Vision Coverage
You can count on Aflac to help ease the financial stress of a critical illness, accident or hospital stay
Accident Benefits
Accidents happen. When a covered accident happens to you, our accident insurance policy pays you, unless assigned otherwise cash benefits to help with the unexpected medical and everyday expenses that begin to add up almost immediately.
- Initial Treatment
- Ambulance Transportation
- Major Diagnostic Testing
- Lacerations, Fractures
- Appliances
- Accidental Death
- Life Changing Events (Dismemberment, Paralysis and more)
Hospital Indemnity Benefits
Hospital stays are expensive. An Aflac hospital confinement indemnity insurance policy can help ease the financial burden of hospital stays by providing cash benefits.
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Intermediate Intensive Care Step-Down Unit
- Inpatient/outpatient Surgery and Anesthesia
Critical Illness Benefits
An Aflac-specified health event insurance policy is designed to help with the costs of treatment if you experience a covered health event.
- Heart Attack (Myocardial Infarction)
- Major Organ Transplant*
- Kidney Failure (End-Stage Renal Failure)
- Stroke (Ischemic or Hemorrhagic)
- Bone Marrow Transplant (Stem Cell Transplant)
- Coronary Artery Bypass Surgery
- Sudden Cardiac Arrest
- Cancer (Internal or Invasive)
- Non-Invasive Cancer
- Skin Cancer, once per calendar year $250
*25% of this benefit is payable for Insureds placed on a transplant list for a major organ transplant
- Health Screening (payable for employee and spouse only) $50 per calendar year
Short-Term Disability Benefits
The Aflac Group Disability Advantage insurance plan provides for payment of a monthly disability benefit when a covered employee is disabled and unable to work due to an injury or sickness. Benefit payments begin after any applicable elimination period is satisfied and continues during disability, up to the disability benefit period
- Benefit amounts: $300 to $5,000 (based on income)
- Coverage: Non-Occupational, employee ONLY
- Issues age: 18-74
- Benefit Duration: 3 and 6 months
- Elimination period: 0/7 days and 14/14 days
- Total Disability Benefit
- Partial Disability Benefit
How To File an Aflac Claim?
Group whole life insurance
The MassMutual Whole Life Insurance can help you prepare for the unexpected by providing a generally income-tax-free death benefit, along with coverage that builds cash value.
Group Whole Life insurance gives you and your family a lot: death benefit protection, cash value accumulation over time, and living benefits that may be vital to you in the future.
- Portable coverage
- Built-in guarantees
• Guaranteed death benefit
• Guaranteed cash value
• Guaranteed level premium - Dividends
- Terminal illness provision
Accident Insurance
Help protect yourself, your family and your budget from the financial impact of unexpected injuries.
- Fractures
- Dislocations
- Eye injuries
- Skin grafts
- Broken teeth
- Concussions
- Cuts or lacerations
- Second-and third-degree burns
Critical Illness Insurance
Critical Illness Insurance can provide you with a benefit that can help you pay for unexpected costs, such as those that your existing medical insurance may not cover.
- Cancer
- Heart attack
- Stroke
Legal Plan
Legal matters occur throughout life, when you’re getting married, buying a home, caring for aging parents or dealing with identity theft or a tax audit. Having access to a network of attorneys through a legal plan empowers you to handle these costly issues as they arise.
- Getting Married
- Buying, renting, or selling a home
- Identity Theft
- Traffic Offenses