Get help with the expenses health insurance doesn't cover and a guaranteed protection for your loved ones
Who hasn’t been blindsided by an unexpected medical bill? That’s why there’s Aflac. We can help take care of the expenses health insurance doesn’t cover, so you can take care of everything else.
Get peace of mind for you and your family with Whole Life Insurance that provides a Guaranteed lump-sum payment to your loved ones no matter how long you live
Unique offer for SSSA Members!
The Subway-Surface Supervisors Association is offering valuable benefits offer, through MassMutual and Aflac with the option to set up payment through your paycheck using direct deposit.
Aflac benefits are paid directly to you (unless otherwise assigned) to help pay for expenses that major medical plans do not cover, while also helping to replace lost income and provide dollars to assist with everyday living expenses.
With MassMutual's whole life insurance, unlike term, you have guarantees of level premiums, cash value, and death benefit. Participating whole life insurance is eligible to earn dividends, which can be used to increase the death benefit and the cash value of the policy.
Products are Guaranteed Issue
No Pre-Existing Condition Limitations
Coverage is Portable*
*With certain stipulations
Whole Life Insurance
Our financial strength makes a difference. Our group whole life insurance provides smart, convenient protection that also helps you achieve your financial goals.
MassMutual® Group Whole Life Insurance provides coverage at a set premium, builds cash value over time you can access and pays a death benefit to your loved ones. Group Whole Life Insurance may be easier and more affordable than you think.
With whole life insurance, you’re guaranteed a death benefit, and you’re able to build cash value over time. Your cash value grows tax-deferred so it’s there when you need it. In addition, you have the opportunity to earn dividends, which are not guaranteed.
Features:
Whole Life Features
- Provides Guarantees:
- Guaranteed death benefit
- Guaranteed level premiums
- Guaranteed cash-value accumulation
- Dividend eligible
- Chronic Care Benefit
- Waiver of Premium
Living Benefits
- Portable, lifelong coverage
- Tax advantage
- Accelerated Provisions
Group Accident Insurance
You can count on Aflac to help ease the financial stress of a specified disease, accident or hospital stay
No one plans on becoming injured. It’s just not something you typically think about.
When an accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used to cover any out-of-pocket expenses - medical and nonmedical - associated with treatment in the event of a covered accident.
Features:
Accident Benefits
- ER/Urgent Care Initial Treatment Benefit
- Hospital Admission
- Inpatient/Outpatient Surgical and Anesthesia Benefits
- Lacerations, Fractures
- Appliances
Group Specified Disease Insurance
You can count on Aflac to help ease the financial stress of a specified disease, accident or hospital stay
Aflac New York Specified Disease insurance can help with the treatment costs of covered specified diseases, such as cancer, a heart attack, or a stroke. More importantly, the plan helps you focus on getting better (instead of the distraction and stress over the costs of medical and personal bills). This insurance gives you the flexibility to help pay bills related to treatment or to help with everyday living expenses.
Benefit amounts are available up to $50,000 for employees and up to $25,000 for spouses. Dependent children are covered at 50% of the employee’s amount at no additional charge.
Features:
Specified Disease Features
- There are no pre-existing condition limitations* (except cancer)
- The plan doesn’t have a waiting period for benefits.
- Guaranteed-issue coverage is available up to $30,000
- Rates are based on age at the time of application and do not individually increase due to a change in age, health, or individual claim.
Specified Disease Benefits
- Cancer (Internal or Invasive)
- Heart Attack
- Major Organ Failure
- End-Stage Kidney Disease
- Stroke
- Non-Invasive Cancer
- Coronary Artery Heart Disease
- Skin Cancer, once per calendar year $250
- Transient Ischemic Attack (TIA)
Group Hospital Insurance
You can count on Aflac to help ease the financial stress of a specified disease, accident or hospital stay
An unplanned hospital visit can leave you with expenses not covered by major medical. The Aflac Group Hospital Plan provides cash benefits directly to you (unless otherwise assigned) that help pay for some of the costs - medical and nonmedical - associated with a covered hospital stay due to a sickness or accidental injury.
Features:
Hospital Indemnity Features
- No pre-existing condition or pregnancy limitation
- Guaranteed Issue
Hospital Indemnity Benefits
- Hospital Admission Benefit
- Hospital Confinement Benefit