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Amira Shalash

General Insurance

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3101 Richmond Rd. Suite 305
Lexington, KY 40502
United States

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Aflac is different from major medical. It pays cash benefits directly to your employees, when they're sick or hurt. With Aflac, your employees can choose the areas where they want additional coverage. Whether you have 3 employees or are a corporate giant, you can provide the same protection at no direct cost to your company. Companies in almost every industry have made Aflac an important part of their benefits package. Looking for a way to save on taxes? Aflac also offers many products on a pre-tax basis. Aflac's tax-advantaged plans allow employees to use pre-tax dollars to pay for their policies. When you lower the taxable income of your participating employees, you may also reduce your overall share of the FICA and FUTA taxes. Aflac also provides this service at no cost to the business. Some of the policies employees have found most beneficial in your industry are: • Short Term Disability: A physician-documented disability often results in a loss of income. Our short term disability insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. In the case of illness or injury, or even a planned pregnancy, a short term disability insurance policy helps you maintain your standard of living and helps pay your bills. • Hospital Confinement Indemnity: No matter how good your medical insurance is, when you're hospitalized for an injury or illness there are medical expenses and out of pocket costs that aren’t covered. This policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help. • Accident Indemnity: When you have a covered accident and receive treatment, we'll send cash benefits directly to you and you decide the best way to spend them. It's as simple as that. • Cancer Indemnity: No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is extremely high. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.

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