SEE HOW AFLAC CAN HELP YOU IMPROVE YOUR BENEFITS

2023 Open Enrollment

Welcome, L.M. Sandler and Sons employee! As we all know, health insurance benefits have changed over the years which makes your Aflac plans more important than ever! Now is the time to schedule a review of your benefits making sure you and your family are insured.

Schedule Time

to Apply or Make Changes

for the 2023 plan year

Get Started
Aflac can make a difference for you
Aflac products offered this year:

  • Short Term Disability
  • Group Accident
  • Cancer
  • Critical Illness
  • Hospital Choice
  • Group Hospital-HSA
  • Vision
  • Dental
Click here for Rates
*You may be eligible for ca$h back if you have had your annual checkup!
Unexpected health events or injuries almost always bring out-of-pocket expenses that may not be covered by health insurance. Major medical coverage only goes so far, and even with it, you can still be left with tremendous out-of-pocket costs.

Aflac policies pay cash benefits directly to you, and we do it quickly so you can focus on getting better!

Disability
Protects up to 60% of your annual income for missed work due to an off the job injury or illness.
Maternity included as well.

Group Accident
Pays a cash benefit in the event you or a covered dependent is injured in an accident, at work or off.

Cancer
Cancer Protection
Pays a lump sum upon being diagnosed with cancer as well as treatment benefits.

Group Critical Illness
Pays a lump sum benefit upon diagnosis of cancer, heart attack, stroke, renal failure, sudden cardiac arrest and more.
Children under 26 covered for free.

Hospital Coverage
Hospital Choice:
Pays benefits for hospitalization due to accident, illness and maternity. Additional benefits include emergency room, physician visits, diagnostic, etc.


Group Hospital HSA:
Pays benefits for hospitalization due to accident, illness and maternity.

Vision Coverage
Provides additional benefits for eye examinations and materials, as well as eye diseases and disorders.
No network restrictions!

Dental Coverage
Provides additional benefits for cleanings, fillings, crowns,
root canals, etc.
No network restrictions!


Tiffany Smith - Aflac Agent

Senior Vice President of Voluntary Benefits


Towne Benefits - Serving others.Enriching lives.

Phone: 757.390-2058

TiffanySmith@townebenefits.com