Section 125 Plans:

An Easy Way to

Increase Your

Take-Home Pay.

Section 125 Cafeteria Plan

Section 125 allows you to select from a variety of eligible benefits that allow you to deduct premiums from gross earnings before taxes are computed. This gives you more spendable income because current after-tax expenses, such as insurance premiums and benefits, can now be paid for with pre-tax dollars.

How much can a Section 125 Cafeteria Plan help you? Use the sample paycheck calculator below to see an example of how much you could be saving.


How much can a Section 125 Cafeteria Plan help you?

Use our Section 125 calculator to see an example of how much you could be saving.



To enroll, simply complete an election form with your American Fidelity Account Representative. You will be notified in advance when it's time to enroll. In most cases, you must re-enroll in the plan each year to continue your participation in the Section 125 Plan.

Changes to your plan

The only time tax law regulations allow you to make a change to your plan is if you have experienced an allowable election change event. Some examples of these events include: legal marriage, change in number of dependents, termination or commencement of employment/change in work schedule, dependent's eligibility/ineligibility according to plan requirements, change in residence or worksite that affects eligibility for coverage.


Interested in Section 125?

Talk to your employer about the benefits of partnering with American Fidelity.


Next Steps

About AFA

We're a family-owned company providing supplemental insurance in four key industries: education, healthcare facilities, auto dealerships and municipalities.

arrow-bludblRead More

Contact us

We still believe in good old-fashioned human contact!

» Learn More

Call us at: 1.800.654.8489

Quick Access

  • Your Account

    View your policies, download forms and check the status of your claims - all in one spot!

  • Claim & Flex Forms

    1Select the forms you need:

    Flex Benefits
    Accident Benefits
    Cancer Benefits
    Critical Illness
    Disability Benefits
    Hospital Indemnity
    Life Benefits
    Medical (GAP)
    HRA Benefits

    2Select your state & industry:

  • Check Claim Status
  • FAQs

    Please select a category or type your question in the box below.

    Keyword Search
    All FAQs