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New online tool helps you assess insurance needs Posted: March 12th, 2013

By Beth Orenstein

Beth Orenstein is a freelance writer from Northampton, Pa. A graduate of Tufts University, she covers health topics.

Do you worry whether you have adequate health insurance coverage? You can find out with Aflac's new online assessment tool, The Aflac Wellbeing Assessment Tool.

The tool asks 19 questions in four categories: health, employment, finances and well-being.

Some questions are simple and straightforward such as your age group, employment status, marital status and number of children under 18 living in your home.

Other questions require some thought:

  • How likely is it that you or a member of your family will experience a serious or chronic illness such as cancer or heart disease that could require long-term care? (According to the Centers for Disease Control and Prevention, seven out of 10 deaths each year in America can be attributed to chronic diseases. About half of all deaths are from heart disease, cancer and stroke.)
  • How stressed out are you? (According to the American Psychological Association, more than two-thirds of employees - 69 percent - say that their work is a significant source of stress.)
  • How important is it to you to be prepared for different situations?

Survey takes a few minutes

You can complete the survey in less than 10 minutes.

Once you submit your answers, you will see what your answers mean.

The results will tell you whether you are any of the following:

  • Financially vulnerable. You could have trouble paying for out-of-pocket expenses in the event of an unexpected illness or accident.
  • Financially anxious. You have medical insurance that covers your basic checkups and minor medical procedures but are at risk for financial hardship if you were to be faced with an unexpected medical event.
  • A benefits gambler. You look on the bright side of things and are vulnerable should you be faced with a serious illness or injury.
  • Barely covered. You lack major medical insurance and are highly vulnerable to financial hardships and even bankruptcy.
  • Actively protected. You have built a strong foundation and a financial safety net that will protect you against the high costs associated with unexpected illnesses, injuries or other serious events.

Results are customized

You can use the customized results to make the best decisions regarding how much health insurance and other coverages you need, says Michael Zuna, executive vice president and chief marketing and sales officer at Aflac, in a press release about the new tool.

The tool incorporates findings from Aflac's Workforces Report from 2011 and 2012, which studies thousands of American workers and benefits to identify trends, attitudes and forces affecting employee benefits.