Accident Indemnity Advantage Plan


PEF Membership Benefits Program offers active, dues-paying PEF members the opportunity to take advantage of Accident Indemnity Advantage Plan* through AFLAC. These plans are available to members through payroll deduction.

The Accident Indemnity Advantage Plan is a 24-hour accident-only insurance that pays a set benefit amount per covered occurrence. The impact of an unexpected accident on your finances due to lost wages, out-of-pocket expenses associated with the accident, as well as household expenditures, can be reduced with proper insurance.


The Accident Indemnity Advantage Plan coverage is based on the level of treatment the insured receives and includes:

  • Emergency Treatment
  • Initial Hospitalization
  • Hospitalization
  • Office Visits
  • Physical Therapy
  • Major diagnosis exams, and much more.


Key benefits:

  • No deductibles and no copayments
  • No lifetime limit – your policy will not terminate based on number or dollar amount of claims paid
  • No network restrictions – you choose your own medical treatment provider
  • No coordination of benefits – AFLAC pays regardless of any other insurance



Aflac pays cash benefits directly to you, unless you choose otherwise—providing additional financial resources to help with expenses incurred due to an injury or illness, ongoing living expenses, or for any purpose that you choose. Aflac enables you to better control your situation and provide for your family in a time of need.

For detailed information about policies, limitations, and exclusions, visit Aflac online.

PEF members can enroll by contacting Stash Wojeski by phone at (518) 477-9538, or via email.

*PLEASE NOTE: This is not a disability insurance and is not intended to replace disability insurance.
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