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Additional Employee Benefits


International Insurance Plans by IMG

We know that the reasons to travel abroad are many and varied. IMG's full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, IMG developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs. 

Click here to learn more about IMG's coverages and for applications.

Flexible Spending Account

The North American Division (NAD) provides pre-tax benefits through a Section 125 Cafeteria Plan program. The term Section 125 refers to a section of the Internal Revenue Code. Section 125 programs allow employees to save taxes on money they pay toward their group sponsored health plans.

Employees can save on their payroll deductions as the premium is withheld from their pre-tax dollars. Employers can save on reduced payroll taxes for their employees.

All regular full time denominational employees are eligible to set aside pre-tax dollars, through payroll deductions, to spend on FSA's (un-reimbursed medical, depandent care), Premium Only Plans and other AFLAC products.

Flexible Spending Accounts (FSAs) Currently through AFLAC

FSA's allow an employee to use pre-tax dollars to pay medical bills not covered by insurance, as well as dependent care expense.

Premium Only Plan

The Premium Only Plan allows for your contribution to the health plan to be made with pre-tax dollars.


All AFLAC supplemental coverage, except for disability coverage can be purchased pre-taxed for an additional tax savings.

long-term care

You will never know for certain if you will need long-term care. However an unexpected accident or illness could jeopardize your ability to take care of yourself and your family. Click here to learn more about how you can plan for your long-term care needs. You can also view the Frequently Asked Questions or the Guide for Administrators handouts.

Short-term Medical/Individual Health

With access to healthcare coverage available through the Federal Healthcare Exchange, short term and individual medical plans are no longer being offered through Adventist Risk Management.  Please click on the link below for additional information and instructions on how to enroll.