Carroll County FOP LODGE 20
359 Manchester Rd.

Westminster, MD 21157

Aflac's policies pay direct-to-the-policy holder cash benefits unless otherwise assigned, to help cover what your major mechanical insurance does not.

In addition to the below Accident Insurance policy, below are examples of other policy's available for purchase:

Short - Term Disability



Hospital Confinement Indemnity

Hospital Intensive Care


Critical Care and Recovery (Specified Health Event)

*Automatic direct debit is available to members for monthly policy premium*

For more information on services and policy's please contact our AFLAC Represenative:

Why do I need accident insurance?

After an accident, you may have expenses you've never thought about before. Can your finances handle them? It's reassuring to know that an accident insurance policy 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.

In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don't stop when you're laid up after an accident. Aflac accidental injury benefits are paid directly to you, so you can use them to help with your normal bills as well. 

What is accident insurance?

Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

  • Broken teeth
  • Concussions
  • Intensive care unit confinement
  • Ambulance, ground and air
  • Emergency room visits
  • Lacerations