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.
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You have a strong portfolio. You have a strategy. But are you seeing the results you want? Read on for five ways that you can deliver more to your clients — and more to your bottom line — for 2025 open enrollment.
Enrollment results tip No. 1: Use plain language and tailor communications
Fewer than half of employees say they understand the costs of their benefits well. But their employers don’t fully recognize this disconnect, with 79% of them saying they believe their workforce has a firm grasp of the costs of their benefits.1 Given that most employees spend less than 30 minutes choosing their benefits,2 supporting employees in better understanding what’s available to them can help them choose the right plan, ultimately building trust in the value of benefits and potentially boosting engagement and enrollment.
If your clients don’t think their employees struggle to understand the benefits offered to them, then they aren't working to bring additional clarity. That leaves room for you to step in.
Plain language is simple to implement (that’s the point, after all). Start with this checklist as you prepare and review materials for clients and employees.
While keeping language simple and easy to understand, tailoring communications is just as important and goes hand in hand with that simplicity. Echoing your clients’ values in your communications with them can help them see you as a partner not just a transaction.
Review the approach your clients use in their communications with you, and in their employee outreach. Is the tone warmer or more professional than your default voice? What values are they stressing — finances, physical health, peace of mind?
Tailoring communication means paying attention to the medium as well. Roughly 82% of employees say that it’s important to be able to manage benefits online. However, you should also make yourself available in person when appropriate: 79% of employees express interest in having access to a live representative for benefits questions.3
Enrollment results tip No 2: Find creative ways to gain employee access
At the end of the day, you can only sell to employees who you have access to. If it's a client that you physically conduct on-site enrollments for, determine creative ways to increase the percentage of staff members who you are permitted to meet with.
For example, many Aflac supplemental plans include wellness benefits that are paid out annually to policyholders when a covered routine exam is received. This can be a powerful sales tool to gain greater access to your clients’ employees each year. As you meet with each employee, you can personally discuss with them any wellness benefits that are available to them for reimbursement, while also consulting with them on any additional plans you are offering. With employee wellness being top of mind for many employers, it's a win-win for everyone.
Enrollment results tip No. 3: Be transparent about costs
If someone doesn’t really understand the costs of their benefits, as is true of 48% of employees, it’s less likely that they’ll sign up to spend money for an unknown return.1 But there is one thing employees are aware of: The costs of health care are rising, including their premiums. And with 2023’s 7% increase in single and family premiums over 2022 — more than the rise in wages, and more than inflation — they may be even more aware than usual.4
Creating holistic communication around costs can help. Experts also recommend framing benefits as a part of total compensation (without misleading candidates, of course) to drive home the point that while employees’ cost-sharing of health benefits can feel like money that vanishes from their paycheck, it’s ultimately part of why they clock in every day.5
Enrollment results tip No. 4: Know what else your clients are concerned about
Yes, cost is a top consideration for employers when selecting a benefits provider. In fact, 20% of employers ranked this as their top factor. But they’re also concerned about brand reputation (21%), longevity (17%), financial strength (19%) and product ratings (7%).1
They also care about the specifics of the plans themselves. Nearly half of employers say they’re at least moderately concerned about a health care plan’s ability to support timely appointments and about a plan’s complexity for prior authorization requirements.4
You may not be able to supply answers for all of these on-the-ground questions. But investigating these key areas, along with understanding the availability of in-network providers and the affordability of the cost-sharing setup, will prepare you to better share the advantages of the plans you include in your portfolio.
Enrollment results tip No. 5: Don’t wait
Open enrollment may have a season, but benefits communication should be a year-round endeavor: Seventy-four percent of surveyed employees say that they want information about their benefits outside of open enrollment.6
Building relationships goes beyond client gifts and networking (though those matter too). It’s about anticipating your clients’ needs — and the needs of their employees — and making yourself proactively available to address them. The only way to do that is to make it a reciprocal relationship, which means showing up for them outside of open enrollment. That may be when you need them the most, but they need you year-round.
By regularly checking in, leaning into transparency, and remembering the full spectrum of their concerns, you’ll be setting yourself up for a smoother — and more bountiful — open enrollment season.
Ready to jump-start the season? Contact your Aflac benefits representative today.
1 Aflac. “Workplace benefits trends: executive summary 2023-2024.” Published 2023. Accessed 4.7.25.
2 Forbes. "Personalizing Benefits For A Four-Generation Workplace." Published 12.26.24. Accessed 4.7.25.
3 HR Today. "Employees Want Detailed Information About Benefits." Published 8.22.24. Accessed 4.7.25.
4 KFF. “2023 Employer Health Benefits Survey.” Published 10.18.2023. Accessed 4.7.25.
5 Benefitspro.com. "How Price Tag Messaging Can Amplify an Employee Benefits package." Jan. 24, 2024. Accessed 4.7.25.
6 Benefits Pro. "A broker's guide: 5 keys to always-on benefits communications." Published 1.6.25. Accessed 4.7.25.
Aflac herein refers to American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York and/or Continental American Insurance Company and/or Continental American Life Insurance Company.
This information is not approved to distribute to prospective insureds, to prospective accounts, or to use as a solicitation. Misrepresenting this, or any, information to solicit or induce an insured to lapse, forfeit, or surrender an insurance policy is prohibited by law. Any use not specifically permitted herein is strictly prohibited.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, New York 12211.
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