Welcome to Open Enrollment for Smart Local 88

  • If this is your first time signing into the Smart Local 88 Benefits self enrollment system, please follow the instructions below under FIRST TIME USER.
  • If you already have user name and password, see RETURNING USERS below.

FIRST TIME USER:
  • Start by clicking on the  "Login/ Register" on the top right of this screen.
  • In the "NEW APPLICANT" box on the left, please click CONTINUE.
  • On the form, enter your First Name, Last Name and  Email Address (Your Email Address will become your permanent user name.) 
  • Next, choose a permanent password and enter it into the registration form, twice.
  • A verification email will be sent to you. Please open it and click on the verification link. 

RETURNING USERS:
  • Start by clicking on the "Login/ Register" on the top right of this screen.
  • Please enter the user name and password that you created the first time you signed in.
  • Your email address is your username.  
  • If you don't have your password, please use the "FORGOT PASSWORD" button to assign a new password.

Aflac Critical Illness

The Aflac group Critical Illness insurance plan can help with the treatment costs of covered critical illnesses, such as Cancer, a heart attack, or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills. With group Critical Illness insurance from Aflac , you receive cash benefits directly (unless otherwise assigned) giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.


Benefits:

  • Lump-sum benefit for a covered critical illness such as: Cancer, heart attack, stroke, major organ transplant, and end-stage renal failure

  • Health Screening Benefits of $50 per person per year and $200 per year for a mammogram.





Aflac Accident

After an accident, you may have expenses you’ve never thought about. Can your finances handle them? It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow-up treatments or physical therapy. Aflac Group Accident insurance from IES helps with out-of-pocket costs that arise when you have a covered accident such as a fracture, dislocation, or laceration.


Benefits:

  • More than 50 events that trigger benefits payments, including Fractures, Dislocations, Ambulance, and Physical Therapy, among others.

  • Medical Fees Benefit

  • Hospital Admission Benefit

  • Hospital Confinement Benefit

  • Guaranteed-issue coverage (which means you may qualify for coverage without having to answer health questions)

  • Pays a wellness benefit per person per year. $25 for year 1; $50 for years 2-4; $75 for year 5 and after.



Aflac Hospital Indemnity

Does your major medical insurance cover all of your bills? Even a minor trip to the hospital can present you with unexpected expenses and medical bills. Aflac ’s group Hospital Indemnity insurance pays cash benefits that can be used to help with those out-of-pocket hospital expenses that may not be fully covered by major medical insurance.


Benefits:

  • Benefits for hospital stays and expenses

  • Benefits for hospital admission, confinement, intensive care and intermediate intensive care step-down unit

  • Health Screening Benefit of $50 per person per year


Aflac Group Short Term Disability

Accidents that put a person out of work can be financially devastating. Aflac Short-Term Disability Insurance offers income replacement so policy holders can focus on getting back on their feet.

Aflac can help you protect one of your most important assets. Your income.

All too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect. 

What most of us don’t realize is that in addition to accidental injuries, conditions such as arthritis, heart disease, diabetes, and even pregnancy are some of the leading causes of disability that can keep you out of work and affect your income.

That’s where Aflac group disability insurance can help.

Our Aflac group disability plan can help protect your income by offering disability benefits to help you make ends meet when you are out of work. Our plan was created with you in mind and includes:

• Off-job only coverage.
• Benefits that help you maintain your standard of living.


 The Aflac group disability plan benefits:

• Benefits are paid when you are sick or hurt and unable to work, up to 60 percent of your salary (up to 40% in states with state disability).
• Minimum and Maximum Total Monthly Benefit – $300 to $6,000.
• Premium payments are waived after 90 days of total disability (not available on 3 month benefit period).
• Partial Disability Benefit.;">

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