Additional Benefits / Aflac

add_circle_outline Additional Benefits

Voluntary Benefits (AFLAC)

Smiths Group offers additional benefits to employees, regardless of medical plan election.

Group Accident Insurance

Helps pay costs that arise from covered accidents such as fractures, dislocations and lacerations. This plan provides 24-hour coverage, which means you’re covered at home and at work.

Just because an accident can change your health, doesn’t mean it should change your lifestyle too.

Accidents can happen in an instant affecting you or a loved one. Aflac is designed to help families plan for the healthcare bumps ahead and take some of the uncertainty and financial insecurity out of getting better. Protection for the unexpected, that’s the benefit of the Aflac Group Accident Plan.

After an accident, you may have expenses you’ve never thought about. Can your finances handle them? It’s reassuring to know that an accident insurance plan can be there for you in your time of need to help cover expenses such as:

  • Ambulance rides
  • Emergency room visits
  • Surgery and anesthesia
  • Prescriptions
  • Major Diagnostic Testing
  • Burns
  • Emergency Dental Work
  • Many other Accident-related items

Plan Features

  • Benefits are paid directly to you, unless otherwise assigned.
  • Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions).
  • Benefits are paid regardless of any other medical insurance
  • *New for 8/1/2025* Wellness benefit of $50
  • *New for 8/1/2025* Organized Activities rider
  • Choose the amount of coverage that is right for you.  Smiths offers a High Plan with higher payouts, and a Low Plan with moderate payouts.

Review Plan details in the Resources Center or by logging into the BenefitFirst portal.

Group Critical Illness Insurance

Helps pay the expected and unexpected expenses that arise from diagnosis of a covered critical illness such as cancer (internal or invasive), heart attack, stroke, end-stage renal failure or a major organ transplant. Having group critical illness insurance from Aflac means that you may have added financial resources to help with medical costs or ongoing living expenses.

This plan includes an annual $100 Health Screening Benefit, make sure you take advantage of this benefit.

The Aflac Group Critical Illness plan benefits include:

  • Critical Illness Benefit payable for:
    • Cancer
    • Heart Attack (Myocardial Infarction)
    • Stroke
    • Kidney Failure (End-Stage Renal Failure)
    • Major Organ Transplant
    • Bone Marrow Transplant (Stem Cell Transplant)
    • Sudden Cardiac Arrest
    • Coronary Artery Bypass Surgery
    • Non-Invasive Cancer
    • Skin Cancer
    • Severe Burn
    • Coma
    • Paralysis
    • Loss of Sight/Hearing/Speech
  • Health Screening Benefit

Features:

  • Benefits are paid directly to you, unless otherwise assigned.
  • Coverage is available for you, your spouse, and dependent children.
  • Coverage may be continued (with certain stipulations). That means you can take it with you if you change jobs or retire.

Review Plan details in the Resources Center or by logging into the BenefitFirst portal.

Group Hospital Indemnity Insurance

Helps pay the costs associated with a hospital stay including benefits for hospital confinement, hospital admission, or hospital intensive care.

The plan that can help with expenses and protect your savings. Does your major medical insurance cover all of your bills?

Even a minor trip to the hospital can present you with unexpected expenses and medical bills. And even with major medical insurance, your plan may only pay a portion of your entire stay. That’s how the Aflac Group Hospital Indemnity plan can help.

The Aflac Group Hospital Indemnity plan benefits include the following:

  • Hospital Confinement Benefit
  • Hospital Admission Benefit
  • Hospital Intensive Care Benefit and more

Review Plan details in the Resources Center or by logging into the BenefitFirst portal.

AFLAC claims can be made quickly and easily using the AFLAC smartphone app. Visit our Resources page for a list of Apps employees and family members may use to help manage their benefits.