Notifications from Aflac

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 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 weather:

To help provide relief for Arizona policyholders residing in Gila, Mohave, and Maricopa Counties affected by the heavy rains, Aflac will provide a premium grace period starting Sept. 25, 2025, and ending Jan. 13, 2026. 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 weather:

To help provide relief for Alaska policyholders and certificate holders residing in Northwest Arctic Borough, North Slope Borough, Kusilvak Census Area, Bethel Census Area, Nome Census Area, and Aleutians West Census Area who are affected by the storm, Aflac will provide an extended premium grace period starting Oct. 9, 2025, and ending Dec. 15, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy or certificate. In addition, Aflac will relax prescription drug benefit guidelines to allow payment of claims when a covered prescription drug is refilled prior to the usual 30-day limit. Policyholders and certificate holders may also request a replacement copy of their policy or certificate.

For Network Dental and Vision Members:

Aflac is providing temporary relaxation of precertification and referral requirements. Members will have access to appropriate out-of-network providers if in-network providers are unavailable or if they have been displaced, and leniency will be provided for any other actions required under the certificate. Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


Aflac offers premium grace period for federal government employees:

Aflac is offering a grace period for premium payments to help provide relief for policyholders employed by the Federal government who are not receiving pay during the government shutdown. This grace period will begin on October 1, 2025, and extend until payroll resumes for these government employees. Eligible policyholders may inquire about the grace period by calling (888) 515-1941.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Tuolumne and Calaveras Counties affected by the Lightning ignited fires, Aflac will provide a premium grace period starting Sept. 2, 2025, and ending Nov. 18, 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 weather:

To help provide relief for California policyholders residing in Trinity County affected by the Dec. 15, 2024, and Dec. 29, 2024, winter storms, Aflac will provide billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. 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 levee failure:

To help provide relief for California policyholders residing in San Joaquin County affected by the Oct. 21, 2024, Victoria Island Levee failure, Aflac will provide billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. 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 billing leniency for impacted insureds, 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. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. 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.


New messages from Aflac | View Notifications opens a dialog Close X dismisses the notification alert
Contact Aflac

5 ways your portfolio can speak to a multigenerational workforce

5 ways your portfolio can speak to a multigenerational workforce

Longer life spans, strained retirement funds and lower college entrance rates mean that the workforce has more generations than ever working together. This has implications for how you develop benefits packages — but maybe not in the way you think.

While the four generations in today’s workforce (Generation Z, millennials, Generation X and baby boomers) do have varying preferences in some benefits and how they want to receive communications, even boomers and Gen Zers are more similar than they are different. When asked to rank the importance of different types of benefits, all generations ranked professional benefits, financial benefits and societal benefits within the same 5-percentage-point range of importance, and all ranked physical health benefits as the most important.1

That said, within those categories and the fifth type of benefit, mental health benefits, there are differences. Generation Z most heavily values mental health benefits, millennials are particularly interested in critical illness insurance, Generation X demonstrates higher enthusiasm than other groups for both long- and short-term disability insurance and boomers don’t appear to value emergency savings benefits or employee assistance programs as much as other generations do.1

Some preferences have an intuitive correlation to life stages: Student loan assistance is more popular among younger generations than among older employees.1 But even within the same general category, not all leanings are obvious: For example, millennials are the most interested in debt counseling,1 even though Gen Xers carry higher debt loads.2

The point? Doing your research about how to manage multigenerational benefits means going beyond the headlines about intergenerational wars. Start here.

Multigenerational benefits tip No. 1: Know where real enthusiasm lies

Generational trends can indicate only so much. It’s more important to understand the similarities and diversities within each of your clients’ workforces.

Collaborate with your clients to understand what their employees actually value, not just what your clients think they value. In 2023, employers rated most benefits as being more important than they were in 2021, but employees’ level of enthusiasm didn’t match that of their employers.1 Questioning your clients’ assumptions could lead to higher uptake rates and deeper satisfaction for both employees and employers.

Multigenerational benefits tip No. 2: Highlight diversity within categories

The biggest differences in benefits preference among generations were about specific offerings within benefits categories — not a preference for one type of benefit above all others. There’s not an area you can skimp on without diminishing employee satisfaction.

What you can do is showcase the options that are available within each type of benefit. Clients don’t need to offer all of them, but working with them to better understand what’s on the table — and what they can then offer to their employees — will help them find the right mix without slashing a major benefits category.

Multigenerational benefits tip No. 3: Reflect different needs in communications

Neither you nor your clients need to tailor all communication materials for different generations. But keep in mind how different generations might want to be communicated with—for example, incorporating text notifications for Gen Z where useful.

Looking at employee engagement rates, though, Gen Zers and millennials appear the most eager for all types of benefits. This includes benefits that are indicative of their life stage, such as student loan and tuition assistance, as well as benefits that have clear advantages to people of all ages, such as legal services, caregiving benefits and hospital indemnity coverage.1 Mobile notifications may help drive home the point, but these generations are already enthusiastic about benefits.

Whatever you do, don’t assume that younger generations want digital communication only: 81% of millennials want to work with a benefits advisor, as do 78% of Gen Zers.3 That may mean a surprising amount of face time, given that Generation Z’s reputation for being phone-averse is well earned, with 90% of the youngest working generation reporting anxiety about speaking on the phone.4

Multigenerational benefits tip No. 4: Lean into technology

True to stereotype, there are some generational differences in tech preference: Gen Zers are more likely to say they would prefer to engage with their benefits using an app over a mobile friendly website. But that doesn’t mean the inverse is true: 27% of boomers had no engagement preference between an app and a mobile friendly website, and 23% say they would prefer an app.1

Across the board, though, employees agreed that technology can successfully guide benefits education. Consider how to balance this pro-tech attitude with the desire among Gen Zers and millennials to work with an advisor — they want you to be a presence in their choices.

One way to balance these interests is to deploy tools that make it easy for people to actually use their benefits. Take auto-enrollment retirement programs: The ease of enrollment and automatic savings have left millennials better prepared for retirement than boomers were.5 Look for similar opportunities to use low-touch engagement tools, such as passive enrollment.

Multigenerational benefits tip No. 5: Encourage clients to leverage the tools at their disposal

As a part of showcasing the diversity of benefits within broad categories, try highlighting aspects of your clients’ current benefits plans that may be underused. For example, preventive care benefits contained within supplemental coverage plans, such as the health screening benefit available in Aflac’s critical illness insurance, are an easy lift that employees might not be using to their full potential.

Thinking creatively within categories can help clients spot opportunities to offer low-cost benefits or to frame existing perks appropriately. If your clients know that their workforce is interested in professional benefits, in addition to a formal career development program, you could advise granting employees access to learning management systems or engaging in cross-department training — something employees say they value.6

Tending to a multigenerational workforce doesn’t have to be a burden. By avoiding stereotypes, paying attention to what specific clients need and tapping into appropriate technology, you can help your clients deepen their employees’ loyalty — and help employees get the care they need.

Contact your Aflac benefits representative to find more ways to make your portfolio speak to your clients’ needs.