I have noticed now that I am in my thirties is that I am not longer as nimble as I was once. I used to be able to jump around and climb with little effort and actually enjoy it. Now that I am a full-on parent I have lost that streamlined edge I once used to have. I don’t get up as easily, find myself wanting to do less, and the aches and pains can just hammer it home.
I can say that we are a fairly healthy family, cross my fingers now. We get the yearly and season clods and flus here and there but have avoided any broken or fractured limbs or other major health problems. But that doesn’t mean much. Just recently I had a friend my age fall by accident and really do a number on himself. He did not have that extra coverage needed and being outside of his work was entirely his responsibility. He ended up with many costs and lost days of work. For us, we travel and like to be active. Beine careful is a must with these kids depending on us.
Having a voluntary insurance product from Aflac, it’s a feeling of security and wellbeing to be protected with an accident plan, cancer plan, hospital plan, critical illness plan, life insurance plan, and/or or short term disability plan. With the fall season being here, for many employers this is open enrollment season. This simple is a time when employees can review and adjust employer provided benefits. Selecting the right health insurance policy is important to meet family and individual financial and health care needs.
Choosing the right health benefits is important and in a recent Aflac survey, many workers responded that very little research is done into the different plans. 34 percent of employees spent 15 minutes or less researching their benefit options in 2014.1
Take the time and make sure you have the right benefits and avoid ending up with inadequate health care protection at the wrong time.
Different generations have different health care needs that reflect their life stages
With all the different age groups and generations of Americans, insurance needs vary greatly. The elderly age of baby boomers, Generation X, millennials/Generation Y, and the new Generation Z. Not only do benefit needs vary along generational lines, those who are single and those with dependents will also have vary needs.
Why consider voluntary insurance policies offered by an employer?
Voluntary policies are very helpful in those unforeseen and sometimes tragic medical events. Like with my friend, he had insurance, but was hit with copayments, deductibles and other treatment costs and caps that his insurance did not fully cover. He is part of the 66 percent of workers who was not to cover this huge unexpected financial burden. And to top it, he missed weeks in recovery and a coma. Another Aflac survey found that 49 percent of employees have less than $1,000 on hand to pay out-of-pocket medical expenses.1
He is the sole provider for his family, and this just was not at all needed leading up to the holiday seasons. It’s better to put that money away for gifts and travels, but getting healthy and healed is more important than any gifts.
Have Aflac as a voluntary policy can protect us from these costs that can drain savings and much needed salaries. Aflac is a great complement to major medical coverage and will help pay for those out-of-pocket expenses that come with illness or injury.
The National Safety Council shows the average accidental injury expenses average about $5,500. The Centers for Disease Control indicates more than 80 million injury-related visits to doctors’ offices, hospital outpatient departments and emergency-treatment facilities in the U.S. each year.2
1. 2015 Aflac WorkForces Report conducted in February 2015 by Research Now on behalf of Aflac, accessed Sept. 2, 2015 – http://workforces.aflac.com/
2. Social Security Administration, “Annual Statistical Report on the Social Security Disability Insurance Program,” accessed Sept. 2, 2015 – http://www.ssa.gov/policy/docs/statcomps/di_asr/2013/di_asr13.pdf
Have You Ever Consider A Voluntary Policy Such As Aflac?
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.