Every family has one member that is accident prone. In our family, we have two. My husband is and he passed it on to my daughter. She can be walking in a room and there could be one rock in the room. She will find said rock and trip over it. She’s been like this her entire life. For example, 4 years ago we had the “broken ankle incident.”
One weekend in July 2011 we went to Gatlinburg TN. I needed a break, the husband needed a break, heck even the kids needed a break. Everything went fine except we spent WAY too much money. The Kids went up and down the ski lift, road go-karts, came down Ober Gatlinburg Mnt. The alpine slide. You name it they did it. Then we came home and the very next day went to my mothers to check in on my Grandmother. We were there 10 minutes. JUST 10 minutes mind you and Isabella fell on the very….last…..step. When she cried and couldn’t get up I knew it was pretty bad. We waited a few minutes then took her to the ER. Broken ankle. Outside bone. Since it was a Sunday and no one from ortho was there we had to wait till Monday to get her a cast.
At first she was ok. Gung ho about getting a pink cast and carried everywhere. Then it sank in. No more riding her brand new bike she just got for her birthday on the 4th. No more swimming. No running around with all the kids playing tag AND she has to go to her first week of school with it. So what’s a mom to do? We went pink. I’m talking PINK. Pink wig, pink skirt, pink tanktop, pink cast, and even sparkly pin toenail polish. Her brother even wore the pink wig around some to cheer her up. So here is my darling Bella in all her PINK glory.
The point of the story is that accidents can happen at any moment. Whether it’s a lone rock in the living room or the last step. That’s where Aflac comes in.
More About Aflac
Aflac Incorporated is a Fortune 500 company providing individual and group voluntary insurance products that help deliver protection to more than 50 million people worldwide.For six decades, Aflac insurance policies have given policyholders the opportunity to focus on recovery, not financial stress.
The company’s voluntary products, which supplement major medical plans, are designed to pay policyholders directly for costs associated with a covered serious illness, injury or loss. In addition, the cash benefits can be used for rent, gas, groceries, child care or any other out-of-pocket expenses a worker may have. Through its trailblazing One Day PaySM initiative, Aflac U.S. can receive process, approve and disburse payment for eligible claims in one business day. In the United States, Aflac is the leading provider of voluntary insurance at the work site.
Aflac has a presence in all 50 states, as well as in Puerto Rico and the Virgin Islands. The company is also the No.1 life insurance company in terms of the number of individual policies in Japan.
Accidents are more common than you think.
- Safety is important, but accidents do happen.
- According to the Centers for Disease Control, more than 2.6 million children 0-19 years old are treated in the emergency department each year for sports and recreation-related injuries (http://www.cdc.gov/safechild/Sports_Injuries/index.html).
- Accidents happen. When unexpected injuries happen, make sure you’re prepared with supplemental insurance like Aflac’s accident policy to help cover out-of-pocket expenses.
Accidents can hurt more than you think.
Even the most minor of accidents, such as a broken arm, can lead to an inability to pay normal living expenses.
- According to the National Safety Council, the total cost of unintentional injuries in 2011 was $753 billion (http://www.mhi.org/downloads/industrygroups/ease/technicalpapers/2013-National-Safety-Council-Injury-Facts.pdf).
- According to Bankrate.com, a recent study shows that if someone encounters a significant, unexpected expense, such as an emergency room visit, only 38 percent of respondents indicated they could cover it with cash they have on hand in a savings account or checking account (http://www.bankrate.com/finance/smart-spending/money-pulse-0115.aspx#ixzz3a2gtJNbD).
Getting claims paid quickly matters most.
- A lot of insurance companies talk about how much money they’ll save policyholders on premiums, but people buy insurance to get paid when they need to file a claim. Aflac understands the urgency and importance of being there when it matters most.
- Submitting health insurance claims isn’t something people necessarily look forward to doing – with claim denials and waiting up to a month for payment, it can be a long and difficult process. And while 30 days may not seem like a long time, for families struggling to pay medical expenses, it can feel like a lifetime.
- Therefore, Aflac recently introduced One Day PaySM – an initiative that allows Aflac to process, approve and pay eligible claims in just a day.
Active families should consider learning more about accident insurance.
- Aflac’s accident insurance is offered through a direct basis and through company benefits programs.
- While families usually cannot purchase accident insurance until their company offers open enrollment each fall, it is important to understand what accident insurance is and how it can help keep your family’s finances protected prior to selecting next year’s benefits.
- Accident insurance helps families stay ahead of the medical and out-of-pocket expenses that add up quickly after an injury, so they can focus on recovery – not finances.
- Cash benefits can be used to help cover emergency treatment, hospital stays and medical exams but also for other expenses families may face, such as transportation costs, lodging needs and daily living expenses like groceries or monthly bills.
- Accident insurance may be particularly important to families who generally do not meet their major medical deductibles since benefits can be used to help pay out-of-pocket medical costs, including deductibles and copayments.
- Aflac will be introducing a new accident plan that includes a benefit for injuries sustained while playing an organized sport. This summer, in advance of open enrollment, take some time to look at what insurance is offered by your employer to be sure you have the right coverage for your family.
BY THE NUMBERS
- More than 19 million injuries occur at home in a year1.
- Each year, 2.6 million children visit emergency rooms for sports-related injuries2.
- One out of 8 Americans seek medical attention for injuries1.
- The average expense of an individual injury is $5,5001.
- Without health insurance, the average cost to treat a broken leg is over $10,0003.
1National Safety Council estimates (rounded) (2012) based on data from the National Center for Health Statistics (NCHS), state departments of health, and state traffic authorities.
2 CDC: Protect the Ones You Love (2012). accessed June 29, 2015, from http://www.cdc.gov/safechild/Sports_Injuries/index.html
3US National Library of Medicine, National Institutes of Health. The direct and indirect costs of long bone fractures in a working age US population. Bonafede M, Espindle D, Bower AG.
Date accessed: Nov. 24, 2014
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.