AFL’s benefits are designed to attract and retain valuable associates by providing coverage for healthcare and support during periods of crisis, such as illness or disability.
Associates are eligible for coverage on the first day of the month following employment. AFL offers a full range of health and welfare benefits including medical, prescription drug, dental, vision, short term disability, long term disability, life, accidental death and dismemberment, and flexible spending accounts (health and dependent care). Benefits are offered at four different coverage tiers including associate only, associate plus spouse, associate plus children and family.
AFL offers two Preferred Provider Organization (PPO) Plans. Our carrier for the Medical Plans is BCBS HealthCare.
PPO plans give you the flexibility to use in-network or out-of-network providers without referrals, but your out-of-pocket costs will be lower when in-network providers are used. After the deductible is satisfied, the in-network services are covered at the coinsurance level. The plan pays 100 percent of your covered expenses once your out-of-pocket maximum is reached. Also, the plan pays 100 percent of in-network preventive care services (according to its preventive care schedule), regardless of whether or not you have satisfied the deductible.
The prescription drug plan is included when you enroll in either of the medical plan offerings. Benefits are structured based on a tiered co-payment structure. This should allow for you and your family to budget your prescription expenses more efficiently through the course of the year.
CVS/Caremark, the prescription drug carrier for our medical plans, provides access to thousands of chains and independent pharmacies. They also provide a mail order service that helps to control costs for you and AFL.
Delta Dental is the administrator of our dental program. AFL offers two dental options under Delta Dental which are designed to give you flexibility in choosing your coverage level. These options include two plans—a Basic PPO Plan and an Enhanced PPO Plan. They offer a range of coverage levels and involve different out-of-pocket expenses.
The vision plan is a wellness benefit which helps you with the cost of eye exams and corrective lenses. After you pay a small co-payment, the plan generally pays 100 percent of your expenses when you use a vision care provider who is part of the VSP network. If you experience an illness or injury to your eyes, you would seek care through your medical plan. (For Safety Glasses Programs, see your EHS department.)
New associates are eligible to participate in 401(k) Savings Plan. AFL offers employer dollar-for-dollar match of up to four percent and vested after only one year! Associates may elect pre- or post-tax deferrals (only pre-tax deferrals are eligible for company match) and may make changes to deferral percentages at anytime via the web or by telephone. The plan is administered by BB&T.
AFL offers health coaches through Wellness Coalition America and on-site nurse practitioners (where available). These coaches are dedicated to assisting you with personal disease management and wellness initiatives.
The healthcare flexible spending account (HCFSA) can be used for a variety of out-of-pocket medical, prescription drug, dental and vision expenses–for you and your eligible family members–that are not covered by any other benefit plan. You may enroll in the HCFSA, even if you decline other benefits. You will not pay taxes on the portion of your income that goes into this account, which saves you money. Assuming a 25 percent tax rate, you will pay just $75 for every $100 worth of eligible expenses, leaving you with $25 more in your pocket! You may contribute from $100 to $3,000 per year.
Dependent care flexible spending accounts (DCFSA) allow you to contribute pre-tax money into an account to pay for qualified dependent care expenses. You will not pay taxes on the portion of your income that goes into these accounts, which saves you money. You may contribute up to $5,000 ($2,500 if married, filing separately) per year to the dependent care flexible spending account.
Short-term disability (STD) coverage replaces a portion of your income if you sustain a qualified illness or injury that prevents you from working for up to 180 days. The program offers three levels of STD coverage from which to choose. You will be covered under the basic STD level at no cost to you by default.
Long-term disability (LTD) coverage replaces a portion of your income if you sustain a long-term illness or injury that prevents you from working for an extended period. The program offers two levels of LTD coverage from which to choose. You will be covered under the basic LTD level at no cost to you by default.
AFL provides basic life insurance coverage of one times your annual salary at no cost to you.
You may choose additional coverage of one to five times your pay (rounded to the next higher $5,000). The minimum coverage amount for full-time regular associates is $30,000; there is no minimum for part-time regular associates. The maximum coverage amount for any associate is $1.5 million.
During your new hire enrollment, you may choose any option; if the coverage amount is more than $500,000 or three times pay, evidence of insurability is required.
The AD&D plan pays a benefit if you die or are dismembered as the result of an accident. In the event of death, this benefit may be payable in addition to any life insurance coverage you have.
AFL provides one times your annual salary in AD&D coverage at no cost to you. You may purchase additional AD&D coverage from one to five times your pay (rounded to the next higher $5,000). The minimum coverage amount is $30,000 for full-time regular associates; there is no minimum for part-time regular associates. The maximum coverage amount for any associate is $1.5 million.
You may choose any option without providing evidence of insurability.
The voluntary critical care plan is designed to help associates off set the financial effects of a catastrophic illness with a lump sum benefit ($5,000 or $10,000 for associate, $5,000 for spouse) if an insured is diagnosed with a covered critical illness.
Covered conditions include:
Children are automatically covered at 25 percent of the associate election and are included at no additional charge as part of the associate benefit. Child conditions also include:
Each condition is payable once per lifetime per covered individual. Additional reduced recurrence benefits are payable for diagnosis of another critical illness if separated by 90 days or more and medically unrelated.
From time-to-time AFL vendors pass along special pricing or discounts to AFL associates. Participating vendors include:
Offering certified IMSA courses at the IMSA Conference & School in New Orleans Aug. 20-25
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AFL was awarded the BB&T Lighthouse Beam Occupational Safety Award for the fourth year in a row.
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