California Association of Psych Techs

Aflac policies are individually tailored, allowing CAPT members to obtain coverage for what is specifically important to them. All policies offer direct-to-the-policyholder cash payouts to help cover what other insurance does not. Policies are owned by you and fully portable should you change employment. As a CAPT member, you are offered these Aflac benefits at a discounted group rate. Policies available include:

Short-Term Disability – How would you pay bills in you were disabled and couldn’t work? An Aflac short-term disability policy provides cash benefits while you concentrate on getting better. The policy covers both total and partial disabilities and benefit amounts, and coverage periods can be customized to fit your needs. 

Accident – When a covered accident happens to you, our accident insurance policy pays you cash benefits to help with the unexpected medical and everyday expenses that begin to add up almost immediately. Even with medical insurance, there may be significant out-of-pocket expenses to pay. Aflac cash benefits can provide for the initial doctor, urgent care, or ER visits. Cash benefits are also available for follow-up treatments, hospitalization, intensive care confinement, and specific injuries (e.g., fractures, burns, etc.).

Cancer – Aflac’s cancer/specified-disease insurance policy can help you and your family better cope financially if a positive diagnosis of cancer ever occurs. Men have around a 1 in 2 lifetime risk of developing cancer, while women have a 1 in 3 risk. Major medical may not cover the cost of things like deductibles, co-pays, lost work time, or even travel. Aflac pays cash benefits directly to you to help with cancer associated costs. Aflac also pays a benefit for early detection and preventative care like mammograms, PSA blood tests, and many other cancer screenings.

Hospital Confinement – Hospital stays are expensive. An Aflac hospital confinement indemnity insurance policy can help ease the financial burden of hospital stays by providing cash benefits. Any illness or injury that requires hospital confinement, treatment, or surgery can place a large economic burden on you and your family. Aflac’s hospital confinement policy pays cash benefits for covered hospital expenses like ER visits, hospital confinement, medical diagnostic and imaging, ambulance, and surgeries.

Critical Care – An Aflac specified health event insurance policy is designed to help with the costs of treatment if you experience a covered health event. Health emergencies are not only life-altering events but also financially devastating. Aflac provides a lump-sum payment upon diagnosis of a covered event, with additional benefits to be paid for hospital or ICU confinement, ambulance, transportation, and therapy.