You have three supplemental insurance options available from Aflac: Accident, Critical Illness and Hospital Indemnity Insurance. Aflac pays a lump-sum benefit and you can use the money for anything you need, including medical expenses not covered by your insurance, transportation and travel to treatment centers, and ongoing living expenses like your rent, mortgage, utilities and groceries.
Accident Insurance: Covers broken bones, fractures or burns that result from accidents and require emergency care or surgery.
Hospital Indemnity Insurance: Covers eligible hospital admission, confinement, intensive and intensive care step-down unit due to covered accidental injuries, conditions or illnesses.
Additionally, the Firm offers special group rates on pet, auto, home, identity theft and personal excess liability insurances so that you can protect what’s most important to you. To learn more, search for “Voluntary Benefits & Insurances” in the Find it fast… search bar or visit the Employee Offers site (type “offers” in your browser from the office).
What is Long-Term Care Insurance?
A Long-Term Care Insurance policy is designed to help you and your covered family members pay for certain expenses should you no longer be able to care for yourself on a daily basis for an extended period of time due to aging, illness or injury. Individual Long-Term Care policies pay an amount for covered services, up to applicable maximums; this kind of care is not generally covered by the Medical Plan.
The cost of Long-Term Care insurance is primarily based on your age and health and the options you choose when you apply for coverage.
What is the second opinion service?
Whether you need help understanding your condition or treatment plan, want new insight into how to better manage a chronic condition or have questions about your diagnosis, the Firm’s free and confidential second opinions service, through our provider 2nd.MD, will enlist leading physicians across the globe to independently assess your medical situation.
Can I use the second opinion service for my family?
Yes, you may use the 2nd.MD services for your family, including your parents and parent in-laws.
Who is covered if I enroll in the Legal Assistance Plan?
It depends on which plan you enroll in.
Option A (Extended Family) covers:
Your spouse or domestic partner
Parents (up to four sets )
Option B (Family) covers:
Your spouse or domestic partner
Can I use the Legal Assistance Plan for my parents?
Yes, if you enroll in Option A (Extended Family) you may cover up to four sets of parents. about what services are covered in this plan option.
Do I have to enroll in the Legal Protection Plan to have a will written for myself?
No, if you enroll in Supplemental Life Insurance, you are eligible for will preparation and estate resolution services at no additional cost.
What other insurance products are available?
The Firm offers special group rates on pet, auto, home, identity theft and personal excess liability insurances so that you can protect what’s most important to you. To learn more, use the Find it fast search bar at the top of the page or visit the Employee Offers site (type “offers” in your browser from the office).
What is PinnacleCare?
PinnacleCare is available to help you find the right medical professionals for your needs and customize a treatment plan. You will be supported by a team of physicians and medical researchers who coordinate care and treatment. You may purchase PinnacleCare coverage for less than $1 a day for an objective, unbiased resource to help you navigate your most pressing healthcare challenges.
Please watch this important video on your 2016 Morgan Stanley Benefits.