Value Added Benefits

EMPLOYEE ASSISTANCE PROGRAM

Unum provides EAP services at no cost to employees and their families in the form of short term counseling, legal and financial consultations 7 days a week, 24 hours a day. You can speak to a master’s level consultant by calling 800.854.1446. A counselor will help clarify your need, evaluate options and create an action plan. Up to 3 face to face meetings are available per issue.

If additional face to face consultations are needed, a representative will assist you in finding a local professional in the Blue Cross Blue Shield of Arizona network.

VOLUNTARY AFLAC PLANS

American Family Life Assurance Company (AFLAC) is pleased to offer Arizona REALTORS® employees and qualified dependents the opportunity to elect coverage into different Aflac policies. A few things to remember about these policies:

■ An AFLAC policy is separate from the other policies listed in this book. Aflac does not replace your medical insurance coverage. ■ AFLAC pays you directly, no matter what other insurance you may have. ■ You can enroll in one or all of the policies and are eligible to participate in these policies the first of the month following date of hire.

To enroll in these policies, you must contact Karen (Jones) Stocking at 602.989.0123. ACCIDENT INDEMNITY ADVANTAGE: This plan pays cash benefits in the event of an accidental injury that needs emergency treatment.

HOSPITAL INDEMNITY: This plan pays cash benefits in the event of a hospitalization.

CANCER INDEMNITY PLANS: These plans pay cash benefits for an individual diagnosed with internal cancer.

CRITICAL CARE INDEMNITY: These plans pay a cash benefit for an individual for a specific diagnosis.

FLEXIBLE SPENDING ACCOUNTS

Arizona REALTORS® offers a health care Flexible Spending Account. A Health FSA is an employer sponsored account that employees use to pay or reimburse their qualified medical expenses, their spouse’s qualified medical expenses or their tax dependents’ qualified medical expenses on a tax free basis. Employees may contribute up to $3,050 in 2023.

Arizona REALTORS® also offers a dependent care Flexible Spending Account. This is a separate account from the Health FSA. The funds in this account can be used to pay for the care of dependent children under the age of 13, a day care provider, or before or after school programs. It may also be used to care for a disabled spouse, parent or child over the age of 12. The annual contribution limit for a dependent care FSA is $5,000. Money in this FSA is not available until deposited by the employee.

Under health or dependent care FSAs, there is a “Use it or Lose it’ rule. Employees must use their FSA funds by the end of the plan year or the funds will be forfeited. Unused FSA funds cannot be carried over to the next year. The health and dependent care FSA is administered by WageWorks.