Skip to Content

Falling in Fall: Be Protected! #DiscoverYourBenefits

Falling in Fall: Be Protected!


Two years ago I made a job change to advance my career. The new job included many perks, but lacked health insurance at the time. In shopping around, I opted for an affordable high-deductible plan. I decided this was best for me because I have no medical conditions that would result in me frequenting a doctor or hospital, and I am rarely sick. But accidents happen, as I found out that fateful day when I totaled my car. Luckily, I was uninjured except for whiplash and a minor concussion.

Car Accident

I wish I had known then what I know now. Having proper insurance is the difference between paying a $50 bill and paying a $2,000 bill. This accident almost prohibited me from taking my pre-planned trip to Puerto Rico, where I would have missed this:

Puerto Rico

There are many things I love about Fall, including leaves changing colors, hot apple cider, and wearing sweaters. But Fall marks open enrollment season, a time when workers can review their employer-sponsored benefits offerings and choose the health insurance policies that best meet their financial and health care needs. I definitely plan on talking to my employer about my options.

Fall in Denver

Although selecting the right health care benefits may be one of the most important decisions Americans will make all year, an Aflac survey found that many workers do very little research to learn which plans and products really work best for them. Those who don’t set aside time to research their insurance options often end up with inadequate health care protection for themselves and their families.

The type of benefits options a young, single employee needs are significantly different than those for an employee who is supporting multiple dependents or facing more health issues due to advanced age. That’s where voluntary insurance helps, since it allows employees to select voluntary policies that best suit their own needs, as well as the needs of any dependents they may have. Consider voluntary insurance policies offered by your employer

When an unforeseen medical event occurs, many people are often faced with paying copayments, deductibles or treatment costs not covered by major medical insurance, as well as other daily living expenses – all while paying increasing health insurance premiums. Voluntary policies, which complement major medical coverage, are specifically designed to help pay for out-of-pocket expenses that can be associated with an unexpected illness or injury. In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses that continue to roll in even if someone is too sick or injured to work.

Research your benefits this Open Enrollment season and find the right voluntary policies to help keep every generation of your family protected. Aflac offers:

Critical Illness Insurance
Accident Insurance
Cancer Insurance
Hospital Indemnity Insurance
Life Insurance
Disability Insurance

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

This site uses Akismet to reduce spam. Learn how your comment data is processed.