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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An employee is cleaning their gutters when the ladder slips and they fall off.
The physician visit and x-ray in the ER reveals a dislocated hip and a broken wrist.
Cash benefits are paid directly to the policyholder (unless assigned otherwise), helping ease the financial stress of their accident.
Claims made on their Aflac Accident Insurance1 policy are paid fast, so unexpected bills don't have to leave them sidelined.
and affordable weekly rates as low as one box of adhesive bandages.2
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
*Cash benefits are paid directly to the policyholder, unless assigned otherwise.
1 ACCIDENT – A38000 series
In Arkansas, Policies A38100AR, A38200AR, A382OFAR, A38300AR. In Delaware, Policies A38100DE, A38200DE, A382OFDE, A38300DE. In Oklahoma, Policies A38100OK, A38200OK, A382OFOK, A38300OK. In Texas, Policies A38100TX, A38200TX, A382OFTX, A38300TX.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to ID, NJ, NM, NY, PA or VA. Benefits/premium rates may vary based on state and plan level selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.
Limitations & Exclusions for the residents of Arizona:
Aflac will not pay benefits for services rendered by you.
For any benefit to be payable, the applicable Injury, Treatment, or loss must occur on or after the Effective Date of coverage and while coverage is in force.
Aflac will not pay benefits for treatment or loss due to Sickness including (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 for any Sickness.
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.
Aflac may void this policy and 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. If you have received benefits that were not contractually due under this policy, then Aflac reserves the right to offset any benefits payable under this policy up to the amount of benefits you received that were not contractually due.
Aflac will not pay benefits for an Injury, treatment, or loss that is caused by or occurs as a result of a Covered Person’s:
Being exposed to war or any act of war, declared or undeclared, or actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve;
Being intoxicated or under the influence of alcohol, drugs, or any narcotic, unless administered on the advice of a Medical Professional and taken according to the Medical Professional’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);
Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Medical Professional and taken according to the Medical Professional’s instructions) or voluntarily taking any kind of poison or inhaling any kind 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 incarcerated in any detention facility or penal institution;
Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
Having cosmetic surgery or other elective procedures that are not medically necessary; or
Having dental treatment except as a result of Injury.
2 Assumes the average cost of a package of adhesive bandages is $6.** Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class B, Aflac Accident Insurance - Option 2 - Series A38200; Individual Age 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: cvs.com, 2024.
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
Z2500069
