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.


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Innovation means staying competitive in a changing landscape

Innovation means staying competitive in a changing landscape

In today’s fast-paced work environment, brokers must continuously adapt to stay competitive. While innovation is often touted as essential, its practical implications can be unclear. To clarify what innovation means for brokers, we consulted Kevin McFadden, vice president of digital distribution and partnerships at Aflac, who emphasized the importance of adopting forward-thinking strategies.

Here, we take a look at a few areas where brokers are focusing their innovative efforts, including artificial intelligence, agent support apps and in-person networking.

Artificial intelligence: A game changer

“Technological advancements allow brokers to better assess risk, optimize operations and improve recommendations they’re making for their customers using data-driven insights,” McFadden says. One of the biggest technological advances? AI, which has revolutionized many industries, including insurance.

For brokers, AI can help manage client relationships, analyze data, and streamline operations. AI algorithms can predict client needs based on historical data, enabling brokers to offer personalized recommendations and proactive service. This not only improves client satisfaction but also enhances the broker’s role as a trusted advisor.

“We can use AI to personalize offerings based on clients’ demonstrated preferences,” McFadden says. “That really helps improve satisfaction — and happy clients make better benefit decisions and stay with their broker and carrier longer.”

Agent support apps: Enhancing efficiency and equity

Another significant area of innovation is the use of agent support apps. These apps are designed to assist brokers in managing their day-to-day activities more efficiently. They provide a platform for tracking client interactions, managing policy details, and even automating routine tasks. McFadden says he most often sees brokers using CRM and marketing solutions like SalesForce, HelloLeads and HubSpot.

“These apps offer customizable features for brokers to efficiently manage client relationships, track needs and provide better service,” he says.

More brokers are using Zywave, too, a platform that integrates multiple carriers’ options and simplifies the often complicated and time-consuming proposal and renewal process. “Rather than going one-to-one with every potential carrier a client is interested in, a broker can input their information and get multiple proposals with the click of a button,” McFadden says. “It’s a huge time-saver that allows them to focus on bigger tasks that add value for their clients.”

Networking: Building a connected and knowledgeable workforce

Innovation is not solely about technology; it’s also about people. A knowledgeable workforce is the backbone of any successful brokerage. McFadden says that connecting with other brokers and industry professionals is one of the best ways to stay on top of evolving technology.

“It’s one thing to read about technology, and another entirely to bounce concepts and ideas off of peers,” McFadden says, adding that he recommends attending industry-specific conferences for optimal learning. “These events are a great place for ideas and synergy to happen, and it’s where all of the industry’s transformation comes from.”

The challenge of funding innovation

While the benefits of innovation are clear, implementing new technologies and strategies often requires significant investment. Lack of funds devoted to innovation remains a top challenge for insurance technologists working with insurers. “It’s a balancing act between maintaining current operations and investing in the future,” McFadden says.

Overcoming this challenge requires a strategic approach. Brokers should start by investing in technological infrastructure, upgrading legacy systems in favor of more scalable platforms. “Then, it’s all about bringing in knowledgeable people,” McFadden says. “We have to invest in hiring people that are skilled in some of these areas, and forming dedicated teams that can explore the technology and improve innovation.”

McFadden adds that the key to success is keeping sight of customers' needs. “We should be investing in tools that are specifically designed to improve the customer experience,” he says. “Ideally, with the right technology a broker can anticipate their clients’ wishes and create experiences that leave them satisfied.”

Ready to learn more about the future of benefits? Aflac offers technology options and expertise to help simplify enrollments, increase employee participation, and promote easy benefits utilization. Contact your Aflac benefits representative today.