Life and Disability

Summary of Benefits and Coverage

Voluntary Life Insurance

The Town of Plainville offers Voluntary Life through Boston Life Insurance Co. to all eligible active employees working 20 hours or more per week, their spouse under age 70, unmarried children ages 14 days to 19 years (25 if a full-time student), and disabled children over the age of 19 are eligible for coverage. These premiums are paid to employees paid 100% by you.

Short-Term Disability Insurance

Aflac offers Group Short-Term Disability (STD) as one of its benefits. You have the choice to enroll in this benefit program, which can provide financial support in the event of an accident or illness that results in lost income. It's important to note that participation in this program is voluntary, and 100% of premiums are employee-paid through payroll deduction. Aflac's Group Short-Term Disability Insurance is designed to offer eligible employees monthly benefits in case they are unable to work due to an injury or illness. Once the elimination period is satisfied, benefit payments will start and continue for the duration of the disability benefit period. It's essential to keep in mind that STD is a taxable benefit.

Accident Insurance

Aflac Group Accident Insurance provides cash benefits directly to you (unless otherwise assigned) that help with out-of-pocket medical and nonmedical expenses associated with treatment in the event of a covered accident.

Accident insurance is an extra layer of protection that gives you a lump-sum cash payment to cover deductibles, copayments, or out-of-pocket expenses like rent and groceries.

Critical Illness Insurance

Aflac Group Critical Illness Insurance provides cash benefits when an insured person is diagnosed with a covered critical illness – and these benefits are paid directly to you (unless otherwise assigned). The plan provides a lump-sum benefit to help with out-of-pocket medical expenses and the living expenses that can accompany a covered critical illness. It is also HSA-compatible. Critical Illness coverage includes strokes, heart attacks, and Parkinson’s disease. Upon diagnosis, you can rest assured that a lump-sum cash benefit will be paid to you to be used for deductible costs, treatments, or living costs such as rent and groceries.

Group Hospital Indemnity Insurance

Aflac Group Hospital Indemnity Insurance provides cash benefits directly to you (unless otherwise assigned) that help pay for some of the costs – medical and nonmedical – associated with a covered hospital stay due to a sickness or accidental injury.

Enrollment & Contact

For additional information, or to enroll: 
Jeffrey Nelson
South Coast Benefits
774-254-4328