How you can get affordable protection for accidents ect.

1. Cousins, Moe and Ron have known each other all their lives and do everything
together. They are 37 years old, both married but have no kids. They hunt and
fish together and shoot off fireworks on July 4th, but their favorite thing to do is
play football in the big field behind Moe’s house.

2.  Moe and Ron are out in the field playing football. The quarterback signals Ron to be
ready and he lobs a long pass to him. Moe is right there to defend his team and goes
in for the tackle.
 Moe and Ron go down together and Ron fumbles the ball because he heard two
cracking sounds and now his leg is in tremendous pain. Moe also heard the cracking
sounds and is in pain too.
 When all is sorted out, it is plain to see that both Moe and Ron have broken legs.
Their frightened wives call an ambulance and Moe and Ron end up in the hospital.
For weeks they are on crutches, off work, and have to get physical therapy.

3.  Moe has major medical through his
employer.
 He has a $5,000 deductible and his
plan pays 80% of everything after the
deductible.
 Moe has savings of $8,000 in the bank
and a 401 K worth $25,000.
 Moe also has AFLAC
Accident, Hospital, and Short Term
Disability plans.
 Ron has major medical through his
wife’s employer.
 He has a $5,000 deductible and his
plan pays 80% of everything after the
deductible.
 Ron also has savings of $8,000 in the
bank and a 401 K worth $25,000.

4.  Bills begin arriving at both Moe and Ron’s homes. When they are totaled up, each
one owes $11,678. *
 Major Medical pays 80% after the deductible is satisfied. The deductible is $5,000.
 $11,678 - $5,000 (deductible) = $6,678.
 80% of $6,678 = $5,342. This is what their Major Medical insurance paid.
 Ron and Moe each have out of pocket costs of $6,336. This is because of $1,335
(coinsurance) + $5,000 (deductible.)
 * These figures are from the Real Cost Calculator on the AFLAC.com website.

5.  Ron pays his $6,336 out of his savings. The remaining savings get wiped out
because Ron can’t work for several weeks and has no paycheck coming in. Ron also
has to take money out of his 410K to pay for his mortgage, groceries, and car
payments. To top it all off, Ron just found out his wife is pregnant and they need to
move to a larger home.
 Moe gets checks from AFLAC totaling $8,090 which he uses to pay his out of pocket
costs, mortgage, groceries, and car payments. Moe still has money in the bank which
is good because he just found out his wife is pregnant and they need to move to a
larger home. And it’s a good thing they have those AFLAC plans to help with the
future costs of hospital stays and delivery.

6.  Anyone can be a Moron.
 AFLAC can help you be a Moe instead of a Ron.

7.  Contact your local AFLAC office
 In Northeast Wisconsin contact:
 Carol Pemrich Hauser 3136 Holmgren Way Suite A Green Bay WI 54304
 920-530-1876