Personal Accident Indemnity Plan

Approximately 40% of all hospital emergency room visits are injury related.The Accident Indemity Insurance Policy is designed to pay you directly, regardless of any other insurance you may have. This added protection provides 24 hour coverage to help defray the cost of out-of-pocket expenses resulting from such incidents.

Coverage Options
Coverage can be purchased for yourself, your spouse or domestic partner, and dependent children to age 23 (if full-time student). For the Health Alliance definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Benefits provided by this insurance include:

Initial accident hospitalization - $1,000 on inpatient stays for covered accidents
If admitted to the intensive care unit, AFLAC will pay $1,500
Accident emergency treatment - $120 for the insured, spouse or domestic partner; and $70 for each child who receives emergency treatment for injuries sustained in a covered accident.
Hospital confinements - $200 per day for every day of inpatient hospitalization (up to 365 days per covered accident).
Intensive care - $400 per day for every day of inpatient intensive care unit hospitalization up to 15 days per covered accident.

Other specified injury and miscellaneous benefits payable under a pre-determined payment schedule include:

Burns ($100 - $10,000)	Dislocations ($50 - $2,000)
Fractures ($100 - $2,000)	Lacerations ($50 - $400)
Ruptured discs ($500)	Tendon & ligaments ($500)
Out-patient blood and plasma ($100)	Physical therapy ($25 - up to 6 per accident)
Transportation out of area (up to $300)	Prosthesis ($100 - $500)
Ambulance ($100 to $500)	Family lodging if over 100 miles ($100 per night)
Accidental Death and Dismemberment (from $250 for the loss of a finger to $100,000 for death in a common carrier accident	Wellness benefits - $60 per year (benefit allowance offered after insurance is in effect for 12 months).

For information on annual and lifetime limits, contact Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513. This insurance is guaranteed issue. This means that there are no underwriting requirements or pre-existing condition limitations.

Cost of Coverage
The cost of coverage varies depending on the individuals covered. Specific premium amounts can obtained from the insurance representatve. Premiums are deducted on a pre-tax basis from every paycheck. However, if your policy includes coverage for a domestic partner, deductions are taken on an after-tax basis.

Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call Brecek & Young Advisors, Inc. at 513-721-2513

Note: This benefit is available for enrollment through age 64 with plan continuation indefinitely.