Here are some benefits that may be available to you through your employer:

Disability Income Insurance

If you were hurt and had to miss work, how long could you go without your paycheck?

Disability Income Insurance can pay you a benefit while you're unable to work due to a covered disability and can help with expenses like your mortgage, car payment, groceries, medical bills, and more.

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Life Insurance

In the event of a tragedy, would your family be financially protected?

Life Insurance can help your family with financial pressures after you’re gone. Your death benefit coverage begins immediately at time of application and you own the policy, so you can take it with you to any future job or into retirement. 

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Cancer Insurance

Limited Benefit Cancer Insurance helps you financially so you can focus on recovery. We'll pay you directly to help pay for travel, lodging, and experimental treatment, or the gaps between your deductible and out-of-pocket maximum.

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Accident Insurance

Accidents strike when you least expect them, which means you're likely not financially prepared for them. Limited Benefit Accident Only Insurance plan pays you directly, helping you cover any medical expenses from accidental injuries like burns, spider bites, recreational sports, and more.

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Critical Illness Insurance

Limited Benefit Critical Illness Insurance helps with medical expenses that come with surviving a critical illness by paying you upon diagnosis of covered health conditions as defined by the policy like a heart attack, stroke, paralysis, major organ failure, and end-stage renal failure.

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Hospital Indemnity Insurance

Limited Benefit Hospital Indemnity Insurance (or AF Hospital Assist™) can help with out-of-pocket costs related to staying in the hospital. Depending on your plan, you may receive a benefit for hospital admission, ICU treatment, accident surgery and treatment, and more.

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Hospital GAP PLAN® Insurance

Limited Benefit Hospital GAP PLAN® Insurance pays you directly to help cover some out-of-pocket expenses resulting from a sudden accident, illness, or hospitalization, like your deductible, co-insurance, and inpatient treatment expenses.

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Reimbursement Accounts

Reimbursement accounts are a way to help you with tax savings and to pay for eligible medical and dependent day care costs. Depending on your plan, your employer may offer a Healthcare Flexible Spending Account, Health Savings Account, Health Reimbursement Arrangement, Dependent Care Account, or a Limited Purpose Flexible Spending Account. Learn more about the different reimbursements accounts below.  


Flexible Spending Accounts

A Flexible Spending Account (FSA) is money you set aside every year that can help with eligible expenses you know are coming, like prescriptions, contact lenses, or day care programs. Plus, FSAs may help reduce your taxable income, meaning you take home more of your earnings.

Dependent Care Accounts

A Dependent Care Account (DCA) lets you reimburse yourself with pre-tax money for expenses associated with dependent care for children under age 13 or an adult dependent incapable of self-care.

Health Savings Accounts

A Health Savings Account (HSA) can help you manage eligible out-of-pocket medical expenses when you have a High Deductible Health Plan (HDHP). Your contributions roll over from year to year, so you can continue to build your savings, especially if you know you have a procedure coming up.

Limited Purpose Flexible Spending Accounts

A Limited Purpose Flexible Spending Account (LPFSA) is designed to help you save money and cover eligible dental and vision expenses—such as dental checkups, vision exams, braces, and eyeglasses.

Health Reimbursement Arrangements

A Health Reimbursement Arrangement (HRA) is a reimbursement account that's completely funded by your employer and can help offset certain out-of-pocket healthcare expenses.

Calculators to Help You Plan for the Future

Medical Costs

Estimate the medical expenses you may pay out of your own pocket (what's not covered by insurance) during the year, from bandages to contacts and glasses.


See what you need to save to have the type of retirement you want.

Tax Savings

Learn how you can save on your taxes when you put part of your paycheck into a reimbursement account like an FSA.

Manage Your Benefits Online

After you enroll in your benefits, you can register for an online account to file claims faster and easily manage your benefits and claims.



Register for an Account

The easiest way to manage your American Fidelity insurance products and reimbursement accounts is through your online account and our mobile app, AFmobile®



Download AFmobile®

Manage your insurance benefits and reimbursement accounts on our mobile app, AFmobile!

  • View reimbursement account balances
  • Submit reimbursements and claims
  • Update communication preferences

Download on the App Store

Download AFmobile on Google Play Store