We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, they know it’s time to visit the hospital.
They take an ambulance to the emergency room and the diagnosis is in: they’ve had a heart attack.
With an Aflac Lump Sum Critical Illness2 policy their benefits are paid to the policyholder directly (unless otherwise assigned).
They use cash benefits to help with medical bills, continuing care, or everyday expenses. With Aflac's help, they can worry less.
and affordable weekly rates as low as a gallon of milk.3
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
1 CDC. Stroke Facts. Published 5.15.24 Stroke Facts | Stroke | CDC. Accessed 8.22.24.
2 Aflac Lump Sum Critical Illness plans:
B71000 series: In Arkansas, Policies B71100AR, B71200AR, B7130HAR, B710HAR. In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. In Oregon, Policies B71100OR, B71200OR, B7130HOR & B7140HOR. In Pennsylvania, Policies B71100PA, B71200PA, B7130HPA & B7140HPA. In Texas, Policies B71100TX, B71200TX, B7130HTX & B7140HTX.
Limitations and Exclusions for residents of Arizona:
Aflac will not pay benefits for any Loss that is caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage. Benefits are payable for only one covered Loss at a time per Covered Person. Aflac will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico. Aflac will not pay benefits whenever coverage provided by this policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. For any benefit to be payable, the Onset Date of the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Loss occurs on the same day, only the highest eligible benefit will be paid. Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy. Aflac will not pay benefits for Loss due to (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure. This policy does not cover Loss caused by or resulting from: Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Physician and taken according to the Physician's instructions), or voluntarily taking any type of poison or inhaling any type of gas or fumes; Participating in, or attempting to participate in, an illegal activity that is defined as a felony ("felony" is as defined by the law of the jurisdiction in which the activity takes place), or being detained in any detention facility or penal institution; Being intoxicated or under the influence of alcohol, drugs, or any narcotic, unless administered on the advice of a Physician and taken according to the Physician's instructions (the term “intoxicated” refers to that condition as defined by the law of the jurisdiction in which the cause of the Loss occurred); Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing); scuba diving; cave exploration; bungee jumping; mountain or rock climbing; or participating in a race, speed, or endurance contest, including practice activities, while operating or as a passenger of an air, land, or water vehicle; Intentionally self-inflicting a bodily injury or committing or attempting suicide, while sane or insane; Being exposed to war or any act of war, declared or undeclared; Actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve; Having cosmetic surgery or other elective procedures that are not Medically Necessary; or Having dental treatment except as a result of Injury.
Pre-Existing Condition Limitations for residents of Arizona:
A “Pre-existing Condition” is an illness, disease, infection, disorder, or Injury for which, within the 12-month period before the Effective Date of coverage, prescription medication was taken or medical testing, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Benefits for a Loss that is caused by a Pre-existing Condition will not be covered unless the Onset Date is more than 12 months after the Effective Date of coverage.
3 Assumes the average cost of a gallon of conventional whole milk is $4.43**. Comparison is based on the average weekly premium for Nebraska Direct Premium rates for industry Class A, Aflac Lump Sum Critical Illness Insurance Series B71000 - Initial Diagnosis Benefit amount: $10,000 - Option 1 - Non Tobacco; Individual aged 18-24. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: USDA Agricultural Marketing Service. Retail Milk Prices Report. Published July 25, 2024.
This is a brief product overview only. Coverage may not be available in all states including. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. Refer to the policy and rider forms for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Z2400729
