The Aflac Accident Advantage plans will soon see changes, including the withdrawal of certain policies from payroll and association sales, while maintaining others on a direct basis. New benefits such as family support, home modification, and organized sporting activity benefits have been added, alongside improvements to existing features. The plan is guaranteed issue, available to applicants aged 18-75 with specific riders and eligibility for pre-tax deductions under certain conditions.

1. KEY POINTS TO KNOW ABOUT THE AFLAC ACCIDENT ADVANTAGE
ELIGIBILITY
• The current Accident Indemnity Advantage (Policies A35B24, A35100 and A35200) and Off-the-Job Accident Only
Indemnity Advantage (Policies A35BOF, A35300 and A35400) will be withdrawn from payroll, union and association sales
within 30 days of introduction in your state.
• Accident Indemnity Advantage plan (Series A35000) will remain available on a direct basis only.
• Accident Advantage policies (Series A36100, A36200, A36300, A36400 and A363OF) may be issued to qualified
applicants ages 18 through 75 on Payroll/Employee Direct Bill (EDB),Union or an Association basis.
• There are two optional riders that may accompany the Accident Advantage: Additional Accidental-Death Benefit Rider
and the Aflac Plus Rider (issue ages for additional riders are 18 – 70) – please refer to your state specific administrative
guidelines for detailed information as rider availability may vary by state.
• The plan is Guaranteed Issue; an underwriting question will only apply to Association and Associate Only applications.
• The plan is eligible for pre-tax deduction under Section 125 Cafeteria Plan on a payroll basis only. Associations and
Unions are only eligible for after-tax deductions.
• Aflac’s Accident Advantage (Series A36000) plan can be solicited in accounts
where other Aflac Accident products have been sold in the past.
• The Accident Advantage cannot be added to a payroll account during a mid-year
enrollment unless (1) it is added on an after-tax basis or (2) plan documents are
amended and Aflac receives an M0138 with the hold harmless agreement section
completed for existing accounts.
• Any existing Aflac accident policy may be converted to the Accident Advantage.
Aflac Accident Advantage
New and Increased Benefits!
We are pleased to announce Aflac’s accident plan, Accident Advantage, with added new benefits, enhanced existing
benefits, renamed Levels to Options and increased options of coverage. The Accident Advantage is an even better solution
to Aflac’s ongoing commitment towards constantly enhancing our accident coverage. Because we realize that accidents
are certainly not planned, the Accident Advantage Insurance has been designed to help protect your family’s financial
stability while offering flexible and affordable coverage against the unexpected cost of accidents.
KEY HIGHLIGHTS
Family Support Benefit – NEW
Home Modification Benefit – NEW
Prosthesis Repair or Replacement Benefit – NEW
Waiver of Premium Benefit – NEW
Organized Sporting Activity Benefit – NEW
Therapy Benefit – Improved
Wellness Benefit – Improved
Accident Treatment – Improved
N150086B 4/15
AFLAC ACCIDENT ADVANTAGE TIP SHEET
(Series A36000)

2. BENEFITS (Enhanced & New)
• The Accident Treatment Visit, formerly the Emergency Treatment Benefit, has been enhanced and is now a tiered benefit
for physician and ER visits. Additional Accident Treatment Visit benefits include:
- Added treatment by nurses and Physician’s Assistants
- Added previous standalone x-ray benefit to the benefit
• The Wellness benefit has removed its 12 month waiting period and is now based on a calendar year rather than a policy
year (once per policy, per calendar year as long as they’re covered under the policy).
• Follow-Up Visit benefits have been enhanced to include added treatment by nurses and Physician’s Assistants.
• The enhanced Therapy Visit, formerly called the Physical Therapy Benefit, includes occupational and speech therapy in
addition to physical therapy.
• The Appliance benefit is now tiered with higher benefit payouts for higher prices appliances such as wheelchairs, etc.
• The Prosthesis benefit has added an additional benefit that will pay for initial loss as well as the replacement of existing
prosthesis previously paid under the Prosthesis Benefit or replacements due to a covered injury which requires repair/
replacement of existing prosthesis.
• NEW Organized Sporting Activity benefit will pay an additional 25% of the total benefits payable while participating in an
organized sporting activity. Limited to $1,000 per policy, per Calendar Year. NOTE: Organized Sporting Activity defined
as – A competition or supervised organized practice for a competition. The competition must be governed by a set of
written rules, be officiated by someone certified to act in that capacity, and overseen by a legal entity such as a public
school system or sports conference. The legal entity must have a set of bylaws and competition must be on a regulation
playing surface. Participation must be on an amateur basis.
• NEW Family Support benefit pays $20/day up to 30 days per accident, per covered person when qualified for benefits
under the Accident Hospital Confinement Benefit; this benefit can be used to help pay for daycare, dog sitting, etc., while
confined in a hospital.
• NEW Home Modification benefit due to catastrophic loss of limb or sight to help with any home modifications such as
wheelchair ramps, lowering countertops, etc.
• NEW Waiver of Premium benefit waives premium if total disabled for 180 consecutive days; please see your state
specific administrative guidelines as most states will be limited to a total max of 36 months per eligibility of the benefit.
• NEW Option 4 has been added to provide a more robust product offering.
ASSOCIATE INFORMATION
• Accident Advantage is available for purchase by the field force through the agents’ account (00316), paper only.
• Production for the Accident Advantage will count towards nationally sponsored contests. For standard associate and
union commissions please refer to your state specific administrative guidelines.
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American Family Life Assurance Company of Columbus
Worldwide Headquarters | 1932 Wynnton Road | Columbus, Georgia 31999 | aflac.com