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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Personalized benefits empower – and protect – employees

Personalized benefits empower – and protect – employees

We live in an increasingly customizable world. Our post-pandemic times reflect that even more. The media we consume, the food we eat, the beds we sleep in and the soap we use all can be personalized just for us.

It’s no wonder, then, that employees expect their benefits to be personalized, too. Employees want a well-rounded, personalized benefits package that helps meet their specific needs. For employers, personalized benefits can be a tool to help manage costs while attracting and retaining top talent.

Customized benefits fit neatly into the new ethos of flexibility. Within any business, no two employees are working exactly the same way at the same time with the same motivations – particularly with so many different generations in the workforce. Each employee is unique; now their benefits can reflect that.

Employers can no longer take a one-size-fits-all approach to benefits. Today's consumer expects a hyperpersonalized experience where they feel heard, understood and supported. Those expectations span to employees and the benefits they are offered as well.1

Employees demand more from benefits

According to Aflac's most recent Workforces Report, benefits are at the forefront of employees’ expectations. Sixty-two percent of employees would be at least somewhat likely to accept a position with lower pay but better benefits.2

They also recognize that supplemental benefits can offer valuable financial protection: 9 in 10 believe the need for supplemental insurance is increasing, and 3 in 5 view them as a core component of a comprehensive benefits program. That’s not surprising when 54% say inflation has negatively impacted their finances in the past year, and 31% have been hit with high health care costs.2

So what do employees expect on an employer’s menu of benefits? The supplemental benefits most commonly elected are life, dental, vision, hospital and accident insurance.2 But the selections don't stop there, and employers can’t, either.

Personalized benefits can provide a financial cushion

Today’s employees aren’t just thinking about physical health. While traditional benefits remain highly valued, the younger workforce expects more comprehensive offerings, with interests in other benefits like societal, wellness and student loan assistance. Although each generation values financial wellness benefits, their preferences and valued solutions vary. Older generations place a higher value on income protection, while 40% of Generation Z are interested in student loan assistance and mental health-related benefits.3

Eight in 10 U.S. workers surveyed by the American Psychological Association said an employer's approach to employee mental health will be an important consideration when job hunting.4

Nearly half of businesses told Aflac that their top challenge when it comes to benefits is “offering a competitive benefits package."2 With the high turnover rates they've been experiencing, employers realize that, despite the struggle, they must offer a competitive benefits package to remain competitive and retain employees.

Supplemental benefits seem to be a good answer, often available at little or no cost to the employer. And employees can pick and choose based on their needs and concerns: help with unexpected medical bills, mental health treatment, identity theft protection, access to legal plans for people interested in buying real estate or writing a will, or pet insurance.

Employers see that supplemental insurance is another way to offer more, with less impact to their budget. They know it can help keep their most valuable asset: their employees. Seventy-seven percent who offer it believe supplemental insurance helps them recruit employees and 79% say it helps with retention.2

As the workplace continues to change, we have greater realization that each employee is unique, with different needs and expectations. And employers are shifting their benefits programs to give employees the choices that offer them the best protection.