SUPPLEMENTAL BENEFITS
Protection Beyond Major Medical
Because recovery shouldn't come with financial uncertainty.
Health insurance helps pay for medical care. Supplemental benefits can provide additional financial protection when an accident, illness, hospital stay, disability, or other unexpected event affects your income and everyday expenses.
When Health Insurance Isn't the Whole Story
Major medical insurance is designed primarily to help cover eligible healthcare expenses. But when an unexpected accident or illness occurs, the financial impact can extend well beyond the doctor's office.
MAJOR MEDICAL HELPS WITH
Hospital Care
Doctors
Treatment
Prescriptions
VS.
BUT LIFE KEEPS GOING
Mortgage or Rent
Utilities
Groceries
Transportation
Lost Income
Supplemental benefits can provide an additional layer of financial protection to help you prepare for expenses and income disruptions that may accompany an unexpected health event.
Coverage for Life’s What-Ifs
Supplemental benefits can help provide added protection for some of the expenses and financial challenges that may come with an accident, illness, hospital stay, disability, or other life event. PEARL can help you explore solutions that complement your existing coverage and fit your needs.
Accident Insurance
Helps provide additional financial protection following covered accidental injuries and related care.
Cancer & Critical Illness
Provides benefits for certain covered serious illnesses that can create unexpected medical and everyday expenses.
Hospital Indemnity
Provides specified benefits associated with covered hospital stays and related services.
Disability Income Protection
Helps replace a portion of income when a covered illness or injury prevents you from working.
Dental & Vision
Helps with routine and unexpected dental and vision expenses, depending on the coverage selected.
Life Insurance with Living Benefits
Provides life insurance protection, with certain products offering access to benefits during qualifying life events.
Coverage options, availability, eligibility, benefit amounts, limitations, and exclusions vary by product and carrier. PEARL can help you understand which solutions may be appropriate for your needs.
Protection at Work – and Beyond
Supplemental benefits may be available through the workplace or as individual coverage, depending on the product and carrier. PEARL can help individuals, families, and employers explore options designed to provide an added layer of financial protection.
Individual & Family Solutions
You don't necessarily need to wait for an employer to offer supplemental coverage. Depending on availability and eligibility, individuals and families may be able to obtain certain supplemental and protection products directly.
Explore coverage for yourself or your family
OR
Workplace Benefits
Employers can strengthen their benefits package by offering supplemental solutions that complement major medical coverage and help employees prepare for unexpected financial challenges.
Solutions for employers and their employees
Featured Supplemental Benefits Through Aflac
As an Aflac-appointed independent insurance producer, PEARL can help individuals and employers explore Aflac supplemental insurance solutions designed to provide additional financial protection when unexpected health events occur.
Explore Aflac Benefits
Aflac offers supplemental insurance solutions that can help provide benefits for covered accidents, illnesses, hospital stays, and other qualifying events. Depending on the product, benefits may be paid directly to the policyholder to help with expenses health insurance may not cover.
Explore available Aflac products, learn how coverage works, and review options directly through PEARL's Aflac benefits site.
Aflac is one of the supplemental benefit providers available through PEARL. Additional products and carriers may be available based on your needs, eligibility, and location.
HOW PEARL HELPS
From understanding your needs to reviewing available solutions, PEARL helps make supplemental benefits easier to understand and navigate.
Understand Your Needs
We start by looking at your existing coverage, financial concerns, and protection priorities.
Explore Available Solutions
PEARL helps you review supplemental benefit options from available carriers based on your needs and eligibility.
Understand How Coverage Works
We help explain benefits, limitations, exclusions, and how supplemental coverage may complement your existing insurance.
Ongoing Support
PEARL remains available to help with questions, coverage reviews, and future changes as your needs evolve.
