Supplemental Programs for Individuals and Families
Supplemental Programs for Individuals and Families
We understand not everyone falls into a workforce category or may be entering or enjoying their retirement years so we offer supplemental programs and products to cover your life, retirement, supplemental, and Medicare insurance designed to meet your unique needs.
These supplemental programs and benefits are also available to Federal employees and are convertible to civilian employment and/or retirement. This means if an employee leaves federal service, for any reason, our programs transfer with the employee. Also, several programs are available to the spouse and children of a current employee. *Supplemental programs fill the gaps OPM do not provide.
Individual and Family supplemental programs are listed below. In many cases a simple and brief explanation is provided. A more complete explanation of available supplemental programs is available by talking to a certified Benefit Coordinator. Please contact us about supplemental programs.
Aflac®
Aflac® is supplemental insurance that helps with expenses health insurance doesn’t cover. Plans offered include Accident, Hospital, Cancer, Critical Illness, Dental, Vision, Life, and Short-Term Disability. (Federal Employees may opt for payroll deduction.)
Medicare Insurance
Find the Medicare Coverage that is Right for You. We represent several of the major carriers for Medicare Supplement plans (aka Medigap policies) Medicare Advantage Plans, and Medicare Part D drug plans. We will help you find the Medicare Options plan that suits your health care needs, and your financial needs as well.
Insure Me Now Direct
Products include Life, Illness (Cancer, Heart, Hospital, Critical Illness) ID Theft, Disability, Accident, Dental, Vision, Hearing.
Dental & Vision
Life Insurance
Purchasing life insurance is a big decision you shouldn’t rush into. It’s essential that you consider how much life insurance you and your loved ones require, what type of policy is best for you based on your needs and finances, and choose an insurance company you can trust. Alford Benefits represents many different life insurance carriers and can assist you in choosing the right fit unique to your and your family’s needs. Contact us to learn more.
Annuities
Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income. There are three basic types of annuities, fixed, variable and indexed. Contact us today to learn more.
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