Northdale AFLAC OPTIONS

What is AFLAC?

Aflac provides supplemental insurance that pays cash benefits directly to you when accidents, illnesses, or hospital stays occur, helping cover out-of-pocket costs and everyday expenses so you can focus on recovery without financial stress.

• Cash paid directly to you, not the doctor

• Fast benefits when you need them most

• Works alongside other insurance for extra protection

• Stable rates — premiums don’t increase over time

• Affordable coverage — about 1–2 hours of wages per week

• Pre-tax premiums — save up to 25%

• Portable policies — coverage goes with you wherever you go

“Aflac helped me focus on healing, not bills, when I was diagnosed with cancer. The cash benefits made a real difference for my family.”

Joel Westra, Westra Auctions

Aflac is Budget Friendly

One of the great features is that it is affordable. Typically employees budget for 2x their hourly wage per week for our coverage.

Example: If you earn $18 per hour x 40 hours = $720 per week earned.

Choose Your Package or Any Single Product:

Good Package

Total Investment on this package is only $24.00 per week.

Hourly Breakdown: $0.62 per hour for Peace-of-mind.

*Single Plan. Spouse and Family Plans Available.

Better Package

Total Investment on this package is only $31.28 per week.

Hourly Breakdown: $0.78 per hour for Peace-of-mind.

*Single Plan. Spouse and Family Plans Available.

Best Package

Total Investment on this package is only $43.23 per week.

Hourly Breakdown: $1.08 per hour for Peace-of-mind.

*Single Plan. Spouse and Family Plans Available.

Our Products

Short Term Disability

Here is an overview of each of the products we have. See actual policies for complete details. Each product varies a little bit by State, see full policies for additional info.

Cancer

• $75 (MN) / $100 (ND) Annual Screening

• $5,800 (MN) $5000 (ND) Initial Diagnosis

• $1,600 Monthly Treatment

• $100 Home Health per day

• $7,000 Stem Cell/Bone Marrow

• $2,000 Breast Reconstruction

• Travel & Lodging: $0.40/mile, $65/day (90 days)

MN Riders: Building Benefit $500/year, Specified Disease Rider $2,000, Aflac Plus Rider $5,000, and Dependent Child Rider for eligible children.

ND Riders: Building Benefit $500/year, Specified Disease Rider $2,000, and Dependent Child Rider for eligible children.

Hospital

• Hospital Confinement: up to $2,000

• Maternity Benefit: up to $2,000

• Rehab Facility: up to $3,000

• Hospital Short Stay: $100 (twice per year)

• Hospital ER Benefit: $100 (twice per year)

MN Riders: Extended Benefits Rider or Hospital Stay and Surgical Care Rider

ND Riders: Aflac Plus Rider, Extended Benefits Rider or Hospital Stay and Surgical Care Rider

Accident

• $100 (MN) / $75 (ND) Annual Health Screening

• $250 Initial Treatment

• $50 Follow-Ups (30x per accident)

• $1,500 Hospital / $500 Building Benefit

• $600 ICU per day / $100 Building Benefit

• Up to $4,000 Specific Injury

• Dental & Vision, Ambulance

• $80,000 Accidental Death

MN Rider: Line of duty benefit rider ($10,000)

ND Rider: Aflac Plus Rider – $5000 for stroke or 11 others.

Critical Illness (Heart Attack)

• $25,000 First Occurrence Benefit

• $12,500 Subsequent Occurrences

• $300/Day Hospital Confinement

• $1,000/Day ICU Benefit

• $250 Ambulance Benefit

• $2,000–$4,000 Heart Surgery Benefits

MN & ND Riders: $500 First Occurrence Building Benefit Rider and Specified Health Event Recovery Benefit Rider

Dental

• 100% Covered: Routine exams & cleanings (2x/year), bitewing x-rays (1x/year), full mouth x-rays (1x/36 months), sealants, space maintainers

• 90% Covered: Fillings, palliative treatment, extractions

• 50% Covered: Crowns, bridges, dentures, implants, etc.

• Annual Max: $2,000 with $250 rollover

• Waiting periods: None

Deductible: waived for preventative, Year 1: $50 per person, Year 2: $25 per person, Year 3: no deductible

Life Insurance

Term Life Insurance

Big protection for a smaller price. We have 10, 20 or 30 year plans.

This year we are offering Guaranteed Issue Life Insurance which means there is no health questions and you are guaranteed to get coverage. *Slight increase in premium if you smoke.

25 Year Old

$100,000 - 30 year term life insurance, non-smoker.

$5.12 / week

55 Year Old

$50,000 - 30 year term life insurance, non-smoker.

$9.64 / week

Whole Life Insurance

Life Insurance that lasts your entire life which builds cash value over time.

25 Year Old

$100,000 - whole life insurance, non-smoker.

$15.20 / week

$18.23 / week

55 Year Old

40 Year Old

$17.21 / week

$20,000 - 20 year term life insurance, non-smoker, has cancer, diabetes and heart disease.

40 Year Old

$14.48 / week

$50,000 - whole life insurance, non-smoker.

$20,000 - 20 year term life insurance, smoker, has cancer, diabetes and heart disease.

Riders for MN and ND

Disability Benefit for on-the-Job Rider

Provides benefits if a disability is caused by a covered on-the-job injury while coverage is in force. Available even with Workers’ Compensation.* Benefits payable up to the total disability benefit period selected. Benefit subject to elimination period shown in the Policy Schedule and income requirements.

Aflac Value Rider

Aflac Value Rider​​ Pays policyholders up to $1,000 every 5 consecutive years just for keeping the policy and rider.

Aflac Plus Rider

Pay $5000 for diagnosis of Heart Attack, Stroke, Coma, Paralysis, Type 1 Diabetes, Traumatic Brain Injury, Advanced Alzheimer’s, Advanced Parkinson’s, Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig’s disease), Loss of Independence, Sustained Multiple Sclerosis, Permanent Loss of Sight, Hearing or Speech, Sudden Cardiac Arrest. Also Pay $1250 for Encephalitis, Necrotizing Fasciitis, Bacterial Meningitis, Osteomyelitis, Lyme Disease, Systemic Lupus, Sickle Cell Anemia, Cystic Fibrosis and Cerebral Palsy.

Critical Care Specified Health Rider

Pay $500 per month while a covered person remains in primary specified health event recovery for 6 months including heart attack, stroke, coronary artery bypass surgery, end-stage renal failure, major human organ transplant, major third degree burns, persistent vegetative state, coma, or paralysis.

Critical Care Building Benefit

The First-Occurrence Benefit will be increased by $500 on each rider anniversary date while the rider remains in force.

Cancer Insurance Building Benefit

This benefit will increase the amount of your Initial Diagnosis Benefit, as shown in the policy, by $500 each year.

Cancer Specified Disease Rider

AFLAC will pay $2,000 while coverage is in force if a covered person is first diagnosed with any of the covered specified 31 diseases including adrenal hypofunction (Addison’s disease), amyotrophic lateral sclerosis (ALS), botulism, bubonic plague, cerebral palsy, cholera, cystic fibrosis, diphtheria, encephalitis (including cases caused by West Nile virus), Huntington’s chorea, Lyme disease, malaria, bacterial meningitis, multiple sclerosis, muscular dystrophy, myasthenia gravis, necrotizing fasciitis, osteomyelitis, polio, rabies, Reye’s syndrome, scleroderma, sickle cell anemia, systemic lupus, tetanus, toxic shock syndrome, tuberculosis, tularemia, typhoid fever, variant Creutzfeldt-Jakob disease, and yellow fever.

Cancer Dependent Child Rider

$10,000 when a covered dependent child is diagnosed as having internal cancer or an associated cancerous condition; payable only once for each covered dependent child.

Hospital Extended Benefits Rider

Medical diagnoses and treatments don’t always occur inside traditional hospital walls. Our Extended Benefits Rider extends coverage by providing benefits for urgent care facilities, psychologists and even telemedicine! Additional benefits are also payable for labs, X-rays and diagnostic tests. $25 physician visits, $35 lab & X-ray, $150 Diagnostic and Imaging Exams and Ambulance Benefit.

Hospital Stay and Surgical Rider

Helps with the unexpected expenses associated with surgeries, hospitalizations, and intensive care unit (ICU) care for covered injuries and illnesses - and now mental health treatment. $100 Initial Assistance, Up to $300 Surgery Benefit, $100 Invasive Diagnostic Exams per 24hr period, $500/Day ICU Confinement (30 days), $100 Daily Hospital Confinement for 365 days, $100/Day Daily Mental Illness Facility Confinement (30 days), and $50 Second Surgical Opinion.

Line of Duty Accident Benefit Rider

Pays $10,000 when the Named Insured suffers a gunshot wound requiring surgical repair or sustains an Injury for which a Severe Acquired Brain Injury, Dismemberment, Permanent Paralysis, Third-Degree Burn (20% or greater of total body surface)

Get Started

Fill out the form to get started with any of the packages or individual products by filling out the form or calling Scott at 701-885-5193 or reply to the text message that was sent.

Phone

701-885-5193

Email

scott_reinhart@us.aflac.com