New Benefits for Veolia This is a brief product overview only. The - PowerPoint PPT Presentation

New Benefits for Veolia This is a brief product overview only. The plans have limitations and exclusions that may affect benefits payable. Refer to the plans for complete details, limitations, and exclusions. Continental American Insurance Company (CAIC ), a proud member of the Aflac family of insurers, is a wholly ‐ owned subsidiary of Aflac Incorporated and underwrites group coverage. Columbia, South Carolina

Agenda Benefits of this new insurance coverage ● New benefits for Veolia ● Accident insurance ● Critical Illness insurance ● Hospital Indemnity insurance ● Claims and Customer Service ● 2

New coverage available for whatever life may throw at you. ACCIDENT CRITICAL ILLNESS HOSPITAL INDEMNITY 3

Benefits of the new plans No pre-existing conditions limitation: Accident, Critical Illness and Hospital Indemnity plans Guaranteed- issue – no medical questions! Coverage available for employee, spouse and children No waiting period Your benefits won’t reduce at any age You can pay through convenient payroll deduction 4

You May Continue Your Coverage • When coverage is effective and would otherwise terminate because you end employment with your employer, coverage may be continued. • You may continue the coverage that is in force on the date your employment ends, including dependent coverage that is in effect. • Coverage may not be continued if you fail to pay any required premium. • Premium for continued coverage is paid directly by you. 5

Accident 6

What is the Accident Plan? Provides cash benefits directly to you (unless otherwise assigned) to help with out-of-pocket expenses associated with treatment in the event of a covered accident. Who is the eligible? Employee: ages 18+ • Spouse: ages 18+ • Child(ren): ages 0-26 (d isabled Children may be covered past age 26) • 7

Why Accident insurance may be right for you. Sample benefits include those payable for: Hospital Admission Ambulance 2 plan options available: High and Low Prescriptions Emergency Room Treatment Medical Appliances Fractures & Dislocations Physical Therapy, and more See the product brochure for a full list of benefits and Limitations and Exclusions. 8

Group Accident Wellness $50 for each insured • Payable once per calendar year • Payable for wellness tests performed as the result of preventive care, • including tests and diagnostic procedures ordered in connection with routine examinations. Examples include: Annual physical exams • Mammography • Eye examinations • Immunizations • Flexible Sigmoidoscopy • PSA Blood Tests • Pap Smears • Ultrasounds • 9

Group Accident – How it Works The Accident plan pay s You injure your leg ER doctor You leave Accident plan is in a covered diagnoses the hospital on $2,160 selected. accident and go fracture and crutches. to hospital via treats you. ambulance. Amount payable is based on High plan benefit amounts: Closed-Reduction Leg Fracture ($960), Emergency Room Treatment with XRay ($400), three Follow-up Treatments ($300), Ambulance ($400) and Appliance (Crutches) ($100). 10

Critical Illness 11

What is the Critical Illness Plan? Provides a lump sum benefit directly to you (unless otherwise assigned) to help with out-of-pocket expenses in the event of a covered critical illness. Who is the eligible? Employee: ages 18+ • Spouse: ages 18+ • Child(ren): ages 0-26 (d isabled Children may be covered past age 26) • 12

Critical Illness What’s Covered? % of Payable % of Payable Covered Conditions Covered Conditions Benefit Benefit Cancer (Internal or Invasive) Advanced Alzheimer’s Disease 25% Heart Attack (Myocardial Infarction) Stroke (Ischemic or Hemorrhagic) Advanced Parkinson’s Disease 25% Sudden Cardiac Arrest ALS / Lou Gehrig’s Disease Kidney Failure 25% (Amyotrophic Lateral Sclerosis) (End-Stage Renal Failure) 100% Bone Marrow Transplant 100% (Stem Cell Transplant) Coronary Artery Bypass Surgery Paid once per insured Major Organ Transplant Coma 2 plan options available: Severe Burn $10,000 or $20,000 Paralysis 13

Critical Illness Additional Childhood Conditions % of Payable Childhood Conditions Amount Cystic Fibrosis Cerebral Palsy Cleft Lip or Cleft Palate Down Syndrome 50% Phenyl nine Hydroxylase Deficiency Disease (PKU) Spina Bifida Type 1 Diabetes One-Time Payable Amount $3,000 Autism Spectrum Disorder (ADS) 14

Critical Illness Plan Features Initial Diagnosis Benefit ● Dependent Children are automatically covered at 50% of the ● employee benefit election. Additional Diagnosis Benefit – separated by 6 months ● Reoccurrence Benefit – separated by 6 months ● No Pre-existing Limitation, however there is a Cancer Limitation See the product brochure for a full list of benefits and Limitations and Exclusions 15

Hospital Indemnity 16

What is the Hospital Indemnity Plan? Provides benefits directly to you (unless otherwise assigned) to help with out-of-pocket expenses associated with a covered hospital stay due to a sickness or accidental injury. Who is the eligible? Employee: ages 18+ • Spouse: ages 18+ • Child(ren): ages 0-26 (d isabled Children may be covered past age 26) • 17

Why Hospital Indemnity insurance may be right for you. Benefits include those payable for: Features: No pre-existing condition limitation • Pregnancy is covered; complicated and normal • Newborn coverage for 60 days • No termination age • Mental and Emotional Disorders are not excluded • Benefit Low High Hospital Admission $500 $1,000 Hospital Confinement $100 / Day $200 / Day Day 1: $1,000 Day 1: $2,000 Intensive Care Unit Days 2-30: $200 Days 2-30: $400 18

Claims & Customer Service 19

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For more information, please visit www.yourveoliabenefits.com > Other Benefits > Supplemental Benefits or call 800-433-3036 . Thank you.