Critical Illness and Accident Insurance

Supplemental insurance coverage for illnesses and accidents provides an extra layer of protection for you and your family. These benefits are offered through Aflac, the largest provider of supplemental insurance in the U.S. You purchase these benefits.

Asian LGBT Couple Hugging
Critical Illness Insurance
Group Accident Insurance
Hospital Indemnity

How the Plans Work

You can enroll as a new hire, during Open Enrollment or due to a change in family status. You enroll for each of these benefits separately.

You purchase this coverage with after-tax payroll deductions, making benefits paid tax-free.

You can continue this coverage if you stop working at Parkland.

Coverage is guaranteed-issue, which means you may qualify for coverage without submitting proof of good health.

Critical Illness Insurance

The Aflac critical illness insurance plan pays a cash benefit directly to you if you are diagnosed with a covered critical illness, such as a heart attack or stroke. You can use your cash benefit to help pay bills related to treatment or to help with everyday living expenses. You can purchase coverage for yourself only or for yourself and your spouse. Your spouse is covered for 50% of your benefit amount. See the chart below for coverage options. If your dependent child (up to age 26) is diagnosed with a covered condition, they can receive 50% of your benefit at no cost. You will need to file a claim with Aflac to receive the cash benefit.

Covered Illnesses

The critical illness plan will pay benefits for the following illnesses. Benefits differ based on illness and diagnoses.

DiagnosisBenefit Amount
Cancer (internal or invasive)100%
Heart attack (myocardial infarction)100%
Stroke (ischemic or hemorrhagic)100%
Major organ transplant100% (25% of this benefit is payable if you are placed on a transplant list for a major organ transplant)
Kidney failure (end-stage renal failure)100%
Bone marrow transplant (stem cell transplant)100%
Sudden cardiac arrest100%
Non-invasive cancer25%
Coronary artery bypass surgery25%
Skin cancer$250; benefit paid once per calendar year

* The plan has limitations and exclusions that may affect benefits payable. Refer to your certificate in the Legal Notices section for complete details, definitions, limitations and exclusions.

Critical Illness Insurance Benefits at a Glance

Here’s a look at your coverage options.

Your Benefit*Spouse BenefitWellness Benefit
$10,000 coverage amount$10,000$5,000$50
$20,000 coverage amount$20,000$10,000$100

*Each dependent child (up to age 26) is covered at 50% of your benefit amount at no additional charge. 

Your Biweekly Benefit Deductions

The chart below shows your costs for critical illness coverage.


For You

For You

For You & Your Spouse
For You & Your Spouse

Group Accident Insurance

The Aflac accident insurance plan pays cash benefits to help with unexpected costs due to a covered accident. Aflac pays benefits directly to you to help pay bills or help with everyday living expenses. Benefits are paid regardless of any other medical insurance. You can elect coverage for yourself, your spouse and/or your dependent children. You can elect the Low benefit level or the High benefit level. Low and High refer to the benefit level you will receive for covered benefits.

Young Man Wheelchair Going Outside Smiling

Examples of Covered Expenses

Accident insurance can help cover expenses such as:

  • Ambulance rides
  • Wheelchairs
  • Emergency room visits
  • Surgery
  • Anesthesia
  • Prescriptions
  • Major diagnostic testing
  • Burns

Your Biweekly Benefit Deductions

The chart below shows your costs for accident insurance coverage.

Employee Only$3.33$6.65
Employee Plus Children$6.79$13.54
Employee Plus Spouse$5.48$10.94
Employee Plus Family$8.94$17.83

Hospital Indemnity

Aflac’s hospital indemnity plan pays cash benefits directly to you during a covered hospitalization, so you can avoid dipping into savings to cover out-of-pocket expenses. These expenses could include things like transportation and meals for family members, help with child care or time away from work. You can elect coverage for yourself, your spouse and/or your dependent children. The plan pays set benefits for hospital admissions, hospital confinements and intensive care.

For example, let’s say your child has a high fever and goes to the emergency room. The doctor admits your child to the hospital for two days. The plan would pay you $1,400 (hospital admission benefit of $1,000 and hospital confinement benefit of $200 per day).

Your Biweekly Benefit Deductions

The chart below shows your costs for hospital indemnity coverage.

Employee Only$5.37$10.48
Employee Plus Children$8.68$16.90
Employee Plus Spouse$10.75$21.00
Employee Plus Family$14.06$27.42

Learn More

  • For more details, see the handouts.
  • Review the “Things To Consider About My Insurance Coverage” in the Legal Notices section.
  • If you have questions, call Aflac at 800-992-3522.
  • Enroll on PeopleSoft (MyParkland). Find enrollment instructions here.