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The
cost of employee benefits is one of the hottest
business issues.
SMS
is your employee benefits solution firm. We help
organizations design and administer employee benefit
plans to attract, reward, and retain the best
employees and enhance performance and motivation. We
want you to have a productive work environment and at
the same time contain your benefits costs. We provide
a broad selection of human resource and employee
benefit services including voluntary supplemental
insurance, health and dental plans, cafeteria plan
implementation, personalized benefit statements,
payroll services, benefit handbook and personnel
policies development. Our products can be combined to
minimize your cost. We have a new product from AIG
which may be a great solution.
In
2001, every two seconds someone in this country
suffered an accidental injury. About 11.5 million
Americans require long-term care services with more
than one-third of all costs coming out of the
families’ pockets; and the average nursing home care
cost is $50,000 per year. Finally, about every 29
seconds an American will suffer a coronary event. The
AFLAC insurance policies help supplement primary
health plan by providing direct-to-the-policyholder
cash benefits to help fill gaps in traditional health
insurance coverage or in some instances in lieu of
health coverage. You, the company, offer these
benefits and your employees can participate through
payroll deduction. The supplemental insurance
policies provided by AFLAC:
Accident/Disability The Personal Accident
Indemnity Plan pays benefits in the event of a covered
person’s death, dismemberment or injury caused by a
covered accident that occurs on or off the job.
Cancer
Upon diagnosis, the Personal Cancer Indemnity Plan
provides a first occurrence benefit, hospital
confinement, radiation, chemotherapy and surgical
benefits among an extensive list of other benefits.
Dental The
Dental Plan provides basic, preventive and major
benefits to covered individuals.
Hospital
Confinement Indemnity In the event of hospital
confinement of 14 hours or more payable benefits
include daily confinement, surgery, ambulance and
separate heart attack, stroke, coma and paralysis
benefits.
Hospital
Confinement Sickness Indemnity This plan pays for
confinement due to a covered sickness, benefits
include physician visits, hospitalization, major
diagnostic exams and surgical benefits.
Hospital
Intensive Care The Personal Hospital Intensive
Care Protection is designed to provide funds to help
cover the extraordinary costs associated with a stay
in intensive care.
Life Both
term life and whole life insurance policies are
offered as well as a combination of both. Policies
automatically include Waiver of Premium benefit and an
Accelerated Death Benefit.
Short-Term
Disability The Personal Short-Term Disability
policy helps provide a source of income in case of
disability due to sickness or off-the-job injury.
Specified
Health Event This plan provides hospital
confinement and continuing care benefits when a
covered person is initially diagnosed as having a
covered life-threatening health event. The covered
health events include heart attack & bypass surgery,
stroke, major organ transplant, coma, and renal
failure.
See also our
Administrative Service Organization under Solutions,
go..>>
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