Our Products

Margaret E. C. Clardy & Associates offer clients superior health and supplemental insurance. We represent top-notch insurers with programs to cover the following insurance needs:

AFLAC Supplemental Health Insurance

We proudly represent AFLAC, the world leader of supplemental insurance. AFLAC offers a wide variety of products to supplement an individual's insurance needs as well as provide supplemental benefits for an employer insurance package.

AFLAC Individual Supplemental Insurance

  • Cancer Expense Protection
  • Accident Expense
  • AFLAC's Life series

Value-Added Services:

AFLAC's payroll deduction in Section 125 capabilities offer powerful way to:

  • Eliminate or reduce the pressure for future company-paid plans.
  • Strengthen benefits package is in a tight labor market.
  • Introduce choice and portability at the employee level.
  • Let employees access the power of pre-tax dollars.
  • Save FICA contributions.
  • Communicate the value of total company benefits in real-dollar terms.

AFLAC is number one in payroll marketing insuring:

  • Over 9400 state governments (and government agencies) and municipalities.
  • More than 760 colleges.
  • Over 1,400 hospitals.
  • Over 8,500 school districts.
  • More than 200,000 U.S. payroll accounts.

AFLAC offers superior enrollment, communications, and claims efficiencies, such as:

  • Leading-Edge Technology. Our SMARTAPP® space point-of-sale laptop enrollment system (recognized by the Smithsonian Institution) provides instant submission of applications via electronic signature capture.
  • Employee Benefits Communications System. This people-friendly program is designed to show employees the value of the benefits their employers provide. It can communicate all benefits, including core benefits and policies sold on a voluntary basis.
  • INFO ONE Personalized Benefits Statements. Generally free of charge, this service illustrates the "hidden paycheck" space by calculating the total cost of employee benefits by including the employer's share.
  • Flexible Spending Accounts, including Medical Reimbursement (Section 125) and Dependent Daycare Accounts (Section 129).
  • Transit ONE (Section 132) transportation expense program.
  • Internet Billing and Payment Capabilities. Designed for smaller accounts, this system facilitates real-time statement changes and updates on an easy-to-use basis.
  • Single-Point Billing Services. These services are for accounts with 50 or more employees.
  • Corporate Alliance Programs. These include Cobra/HIPAA administration and PEO services.

For you...

  • Expand your benefits program without adding costs.
  • Achieve possible FICA Savings and reduction in workers' compensation costs.
  • Help improve employee morale and retention.
  • Help meet more employees' economic needs at the workplace.
  • Help contribute to employees' health through various wellness programs.
  • Reduce administrative involvement.

For your employees...

  • Purchase individual, choice-driven coverage at payroll rates.
  • Have benefits paid directly to the insured, unless directed otherwise.
  • Obtain plans that may be pre-tax eligible, and are portable and guaranteed-renewable.
  • Obtain policies that help fill gaps not covered by core company plans.

AFLAC Payroll Supplemental Insurance

  • Cancer Expense Protection
  • Hospital Intensive Care Insurance
  • Accident Expense
  • Short Term Disability
  • Personal Recovery Plus
  • Voluntary Indemnity
  • Voluntary Group Term Life Insurance
  • Life Assurance
  • Dental

Travel Insurance

Whether you're taking a brief trip overseas, or taking an extended leave in a foreign country, we have a policy to cover you.

  • Roundtrip Insurance
  • International Insurance
  • Short Term Overseas Protection

Underage Disability Medicare Supplement

Individual Major Medical

Dental Insurance

Medicare Supplements

Short Term Major Medical

Vision Insurance

 

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