TRANSITION OVERVIEW
The existing Aflac Accident, Critical Illness & Hospital Insurance plans offered through Cheney Brothers will no longer be eligible for payroll deduction beginning January 1, 2026. If you wish to continue your Aflac coverage, please call Aflac directly at 1.800.433.3036 (Monday - Friday, 9:00 AM - 7:00 PM ET) before 12.31.2025 to move your coverage to direct bill.
If you want to learn more about the supplement health plans offered to you through PFG Xtras, click here. You will have the opportunity to enroll in new Aetna Accident, Critical Illness, and Hospital Insurance plans through PFG Xtras during Open Enrollment November 3 - 21, 2025.
AETNA SUPPLEMENTAL HEALTH PLANS
ACCIDENT:
If you are currently enrolled in the Cheney Brothers Aflac Accident plan, you can continue coverage on a direct bill basis with Aflac. If you enroll in the Aetna Accident plan, Aetna will not pay claims for any accidents that occur before January 1, 2026.
CRITICAL ILLNESS:
If you are currently enrolled in the Cheney Brothers Aflac Critical Illness plan, you can continue coverage on a direct bill basis with Aflac. If you have been diagnosed with a Critical Illness, have an existing claim with Aflac, or are going through treatment, we recommend that you continue your coverage with Aflac. If you enroll in the Aetna Critical Illness plan, Aetna will not pay claims for a Critical Illness that is diagnosed before January 1, 2026.
HOSPITAL:
If you are currently enrolled in the Cheney Brothers Aflac Hospital plan, you can continue coverage on a direct bill basis with Aflac. If you enroll into the Aetna Hospital plan, Aetna will not pay claims for any hospitalizations that occur before January 1, 2026.
KEY CHANGES:
• The Aetna plan design is comparable to the Aflac plan and at a lower cost to you.
• Aetna Accident Plan Summary
KEY CHANGES:
• The Aetna plan design is comparable to the Aflac plan and on average at a lower cost to you.
• Enhanced: Parkinson’s and Alzheimer’s Disease Benefits
• NEW Benefits: Severe Burn Benefit
• Aetna Critical Illness Plan Summary
KEY CHANGES:
• The Aetna plan design is comparable to the Aflac plan and at a lower cost to you.
• Enhanced: Initial Hospital Admission, Initial Intensive Care Admission and Daily Intensive Care Unit Benefits
• NEW Benefits: Mental Disorder / Substance Abuse, Observation Unit, Rehab Unit, and Newborn Routine Care Benefits
• Aetna Hospital Plan Summary
ENROLL NOVEMBER 3 - 21, 2025
Accident Insurance
For all Associates, whether you are currently enrolled in Aflac or not and wish to enroll in Aetna's plan, this plan will be effective on January 1, 2026 if you enroll during Open Enrollment.
Accidents happen, big or small, and always at the wrong time, but you can take steps today to be prepared for life’s unexpected emergencies. Accident Insurance provides financial protection by paying cash directly to you.
This extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the extra expenses - including you and your family’s everyday cost of living.
And best of all, this payment is made directly to you.
This benefit also provides a Health Screening Benefit. Once enrolled in Accident Insurance, associates can receive $50 each plan year when they complete one of the covered screenings or tests.
ACCIDENT INSURANCE HELPS COVER
• Urgent care
• Emergency room
• Physician visits
• Physical therapy
• Ambulance services
• Surgeries
• X-Rays
• Hospital stays
• Crutches / Wheelchairs
• And much more!
HOW IT WORKS – EXAMPLE
Heather's 10-year-old son recently had a bad fall during a soccer game and ended up with a broken leg. Fortunately, Heather's son was covered under the Accident Plan.
This example is for illustrative purposes. Benefits are paid to covered insures with active coverage at the time of the event.
ENROLL NOVEMBER 3 - 21, 2025
Critical Illness
For all Associates, whether you are currently enrolled in Aflac or not and wish to enroll in Aetna's plan, this plan will be effective on January 1, 2026 if you enroll during Open Enrollment.
GET STARTED
Partner
Benefits for your spouse/partner and dependent child(ren) are based on 50% of your benefits.
When you or a covered dependent experience a critical illness event such as a heart attack, stroke, or a cancer diagnosis, critical Illness plans, pay you a lump sum amount of $10,000, $20,000 or $30,000 for a covered critical illness that can help pay for out-ofpocket medical costs and/or everyday living expenses. Plus, this plan is fully portable, so if you leave or retire you can take it with you.
COVERED EVENTS
• Heart Attack
• Stroke
• Major Organ Failure
• Cancer
• Alzheimer’s Disease
• Parkinson’s Disease
• And More!
See the plan summary for a full list of covered illnesses and details.
LUMP SUM PAYMENTS
HOW IT WORKS
This plan pays you a lump-sum cash benefit for the diagnosis of a covered serious illness.
You have a choice of three plan options with a maximum benefit of $10,000, $20,000 or $30,000 per diagnosis.
The benefit paid depends on diagnosed condition – full or partial face value. Benefits for your spouse/partner and dependent child(ren) are based on 50% of your benefits.
Additionally, this plan:
• covers recurrence diagnosis, (same illness)**
• pays out a benefit for multiple critical illness events
• includes a $50 health screening benefit
EXAMPLE
Unfortunately, Hugh recently suffered a heart attack, despite a healthy diet and regular exercise. The following week, Hugh had a stroke. A full recovery is expected, but – those bills!
That's where Critical Illness Plan helped the most. After the claim was approved, benefits were deposited directly into Hugh's bank account. While focusing on recovery, Hugh was able to use the cash for medical bills, plus extras like childcare and mortgage. COVERED DIAGNOSIS
This example is for illustrative purposes. Benefits are paid to covered insures with active coverage at the time of the event.
**Please refer to you plan documents for more information.
ENROLL NOVEMBER 3 - 21, 2025
Hospital Insurance
For all Associates, whether you are currently enrolled in Aflac or not and wish to enroll in Aetna's plan, this plan will be effective on January 1, 2026 if you enroll during Open Enrollment.
GET STARTED
BIWEEKLY COSTS Associate $7.39 Associate + Spouse/DP*
+ Child(ren)
Partner
If you have an upcoming surgery, have a baby or if you unexpectedly end up in the hospital – this plan pays you a cash benefit to help cover expenses.
You will receive a hospital admission payout plus a per day cash benefit amount for each day you are hospitalized. This insurance plan can help you safeguard your finances to pay for deductibles, copays, out-of-network costs, household expenses, and more!
This benefit also provides a Health Screening Benefit. Once enrolled in Accident Insurance, associates can receive $50 each plan year when they complete one of the covered screenings or tests.
HOSPITAL PLAN HELPS COVER
• Competitive Rates
• Once enrolled, you can always take the coverage with you!
• Hospital Admission Benefit
• Hospital Confinement Benefit
• Inpatient Rehabilitation Benefit
HOW IT WORKS
Monique had an exciting pregnancy announcement to share with friends and family – twins! Fortunately, Monique was an active member of the Hospital plan at the time of birth. COVERED DIAGNOSIS
Newborn routine care (two births)
Total benefits paid $2,200
This example is for illustrative purposes. Benefits are paid to covered insures with active coverage at the time of the event.
ENROLL NOVEMBER 3 - 21, 2025
Legal Insurance
If you enroll during Open Enrollment, your coverage will be effective January 1, 2026.
GET STARTED
BIWEEKLY COST
Associate, Spouse/DP, Child(ren) $7.09
MetLife Legal Plan covers you, your spouse/domestic partner (DP), and child(ren) under one monthly cost.
MetLife Group Legal Plan provides you, with fully covered legal services from experienced attorneys at a low group rate. There are no deductibles, no co-payments, no waiting periods, no claim forms, and no limits on usage!
HELP COVER
• Wills
• Family Law
• Living Trusts
• Debt Collection
• Court Appearance
• Bankruptcy
• Real Estate Matters
• Document Review & Preparation
• and more!
YOU'LL HAVE ACCESS TO
• Metlife's network of 18,000 + Nationwide Attorneys with an average of 25 years of experience.
• Access to a library of legal resources and self-help documents.
HOW IT WORKS – EXAMPLE
After years of procrastination, Jenna and her husband each established a will, which gave them comfort for the future of their 4 year old. Jenna also had the attorney review documents left by her father when he passed away unexpectedly.
COVERED SERVICES
Wills for associate + spouse
This example is for illustrative purposes only and not based on a true story. Rates may vary. Example based on the average amount of hours it would take, using the average rate of $391/hour on years of experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2021).
