Get help with expenses health insurance doesn't cover

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.


Continental American Insurance Company

Unique offer for USPS Employees!

USPS is offering a valuable benefits offer, through Aflac, that is unavailable on a direct basis. These 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.


Products are Guaranteed Issue

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No Pre-Existing Condition Limitations

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Coverage is Portable*

*With certain stipulations


You can count on Aflac to help ease the financial stress of a critical illness, accident or hospital stay

BenExtend features commonly-used benefits from three different types of insurance – accident, hospital indemnity, and critical illness to help better protect employees against out-of-pocket costs due to injuries and illnesses. You’ll get a range of benefits in one simple plan at one straightforward price.


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Accident Benefits

  • Initial Treatment
  • Ambulance Transportation
  • Major Diagnostic Testing
  • Lacerations, Fractures
  • Appliances

Hospital Indemnity Benefits

  • Hospital Admission
  • Hospital Confinement

Critical Illness Benefits

  • Cancer (Internal or Invasive)
  • Heart Attack
  • Major Organ Transplant*
  • Kidney Failure (End-Stage Renal Failure)
  • Stroke
  • Bone Marrow Transplant (Stem Cell Transplant)
  • Sudden Cardiac Arrest
  • Non-Invasive Cancer
  • Coronary Artery Bypass Surgery
  • 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

For Non-Bargaining Employees

The Short-Term Disability Plan is only available to non-bargaining employees at this time.
Union employees are referred to as bargaining employees and they are not eligible for Short-Term Disability coverage.

Short-Term Disability

Maintain a source of income even if you can't work because of a cover illness or injury.

No one plans on becoming disabled. It’s just not something we typically think about. If you get sick or hurt and couldn’t work, how would you pay your bills?

That’s where the Aflac group disability insurance plans can help make the difference. The difference that means you will have a portion of your income to help take care of your bills while you’re taking care of yourself.


60% of the employee's base annual pay (up to 40% in states with state disability benefits)


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Short-Term Disability Benefits

  • Benefit Duration: 3 and 6 Months
  • Elimination Period: 7/7 Days
  • Total Disability Benefit
  • Partial Disability Benefit
  • Mental Illness Limited Benefit
  • Alcoholism and Drug Addiction Limited Benefit