Special Coverages Available to All WACOPS Members
Open Enrollment: November 1st - 30th 
​During Open Enrollment, WACOPS members have guaranteed access to Aflac's Hospital Indemnity, Accident, and Critical Illness plans, no health questions or medical exams required.
Learn more about the coverages and 2026 plan rates below.


​AFLAC Hospital Indemnity


AFLAC Critical Illness
​
Group Hospital Indemnity - High Plan Monthly Rates:
Employee - $37.88
Employee and Spouse - $74.52
Employee and Children - $58.58
Family - $95.22

​Group Hospital Indemnity - Low Plan Monthly Rates:
Employee - $16.82
Employee and Spouse - $30.40
Employee and Children - $25.08
Family - $38.66

Features:
  • Hospital Confinement Benefit
  • Hospital Admission Benefit
  • Hospital Intensive Care Benefit
  • Intermediate Intensive Care Step-Down Unit
  • Successor Insured Benefit
Features:
  • ​Benefits are paid directly to you, unless otherwise assigned.
  • Coverage is available for you, your spouse, and dependent children.
  • Coverage may be continued (with certain stipulations). That means you can take it with you if you change jobs or retire.​

AFLAC Accident
​

Group Accident - High Plan Monthly Rates:
Employee - $22.40
Employee and Spouse - $36.54
Employee and Children - $48.15
Family - $62.29
Group Accident - Low Plan Monthly Rates:
Employee - $13.23
Employee and Spouse - $20.96
Employee and Child(ren)- $26.47
Family - $34.20
​Features:
  • Benefits are paid directly to you, unless otherwise assigned.
  • Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions).
  • Benefits are paid regardless of any other medical insurance.
 
If this coverage will replace any existing individual policy, please be aware that it may be in your best interest to maintain your individual guaranteed-renewable policy.
Frequently Asked Questions (FAQ)

Why should I consider supplemental coverage?
As a law enforcement professional, you face risks every day both on and off duty. While your regular insurance covers medical care, it doesn’t always cover everything else that comes with an injury, hospital stay, or serious diagnosis. 

How are these plans designed for law enforcement?
These plans are designed specifically with law enforcement in mind that pay cash benefits directly to you, helping cover the real-life expenses that can pile up when you’re focused on recovery. For example, for things like lost overtime, travel for treatment, childcare, or household bills. 
​
I already have an AFLAC policy, and I am interested in getting a plan comparison, who can I talk to?
For a plan comparison, you can reach out to your AFLAC plan consultants. See "Contact" page for more information.
Enrollment Forms
How do I enroll in coverage?
To enroll in coverage, you must download the appropriate enrollment form, fill it out, and send it to the address provided in the form. Don't forget to complete the Payment Authorization Form too!
This web site is not a legal document.  This web site is not a guarantee of coverage, eligibility, or provider status and is designed for informational illustration only.  Benefits outlined on this web site are subject to change at any time.  Please consult your benefit plan provider(s) or administrator(s) for legal documents regarding your plan and to check coverage and/or eligibility. LBG Advisors does not provide tax or legal advice. Please consult your legal and tax advisor.