Aflac (Non-union or any union employees) |
Colonial Life (Select union employees only*) |
|
---|---|---|
Plan Offering | Off-job accident or sickness coverage | Off-job accident or sickness coverage |
Monthly Benefit Amount | $500–$5,000** (in $100 increments) | $400–$6,500** (in $100 increments) Maximum income replacement: 60% of salary |
Benefit Periods | 3, 6, 12, or 24 months | 3, 6, 12, or 24 months |
Elimination Periods*** (accident/sickness) |
0/7, 0/14, 7/14, 0/30, 30/30, 60/60, 90/90, 180/180 | 0/7, 7/7, 0/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 |
Premium Rates | Your premium rates can range from a few dollars to over a hundred dollars per pay period depending on your age, salary, benefits period, and eliminition periods. Please contact Aflac or Colonial Life to receive an exact quote. | |
Coverage Termination | Coverage terminates at age 70, even if you are still employed. | Coverage terminates on the policy anniversary following your 70th birthday. |
* Represented by NEA-RI, AFSCME-Council 94, AFT, SEIU, IFPTE, LIUNA-Local 808, RIBCO or URI/AAUP.
** Subject to income requirements and benefit period restrictions.
*** Elimination period is the number of days following a disability before benefits begin. Choice of elimination periods depends on the benefit period selected.