We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for Utah policyholders residing in Utah who were affected by the wildfires, Aflac will provide a premium grace period starting July 31, 2025, and ending Sept. 29, 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 Humboldt, Mendocino, Modoc, Napa, Shasta, Sonoma, and Trinity Counties affected by the winter storms, Aflac will provide a premium grace period starting Jan. 31, 2025, and ending Sept. 29, 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 Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting July 16, 2025, and ending Sept. 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 Oregon policyholders residing in Crook County who were affected by the wildfires, Aflac will provide a premium grace period starting July 12, 2025, and ending Sept. 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.
We care about Aflac’s policyholders affected by the recent flooding:
To help provide relief for Texas policyholders and/or certificate holders residing in Bandera, Bexar, Burnet, Caldwell, Coke, Comal, Concho, Gillespie, Guadalupe, Kendall, Kerr, Kimble, Llano, Mason, McCulloch, Menard, Reeves, San Saba, Tom Green, Travis, and Williamson counties who were affected by the flooding, Aflac will provide an extended premium grace period starting July 2, 2025, and ending Sept. 8, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy and/or certificate. Aflac will provide a replacement copy of the policy and/or certificate upon request by the policyholder and/or certificate holder.
For Network Dental and Vision Members:
This grace period also includes an extension of filing deadlines for claims; temporary relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability of in-network providers or member displacement; and leniency 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.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for Oregon policyholders residing in Klamath County who were affected by the wildfires, Aflac will provide a premium grace period starting July 8, 2025, and ending Sept. 08, 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 Oregon policyholders residing in Umatilla County who were affected by the wildfires, Aflac will provide a premium grace period starting July 2, 2025, and ending Sept. 02, 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 provide relief for New Mexico policyholiders and/or certificate holders residing in Grant County and affected by the Trout Fire, Aflac will provide the following protections for policyholders and/or certificate holders: Provide an extended premium grace period from Thursday, Jun. 12, 2025 through Monday, Sep. 15, 2025. Offer policyholders and/or certificate holders a payment plan of no less than six (6) months if unable to pay the delinquency after the extended day grace period (This applies to all coverages except life.). Work with policyholders and/or certificate holders on premium payments to prevent lapse and cancellation of policies. Waive late fees and penalties. Waive early refill time limits on active prescriptions. Allow additional time for actions required under the policy and/or certificate and the submission of documents due to limited access to service and mobility. Provide an extension of filing deadlines for claims and leniency for any other action required under the policy and/or certificate. Provide a copy of the policy and/or certificate to the policyholder and/or certificate holder upon request.
In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers: Waive cost sharing and deductibles. Permit one eyeglass or contact lens replacement and one hearing aid replacement during the pendency of the Emergency Order, waiving frequency limitations. Permit one replacement for dentures or other prosthodontic devices during the pendency of this Emergency Order, waiving frequency limits. Waive additional fees, charges, referrals, eligibility and prior authorization requirements for medically necessary services, whether emergent or not. This applies to benefits and services obtained from both in- and out-of-network providers. Extend medical providers' reporting requirements for claims submissions and for additional information relating to claims. Fully reimburse out-of-network providers at the usual, customary, and reasonable rate.
Affected members should contact Aflac Dental and Vision (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.
If your workplace is hiring from the entire labor pool, you might have four generations working alongside one another. That’s relatively new: People are working longer,1 so freshly minted Gen Zers are being exposed to boomers at unprecedented rates (and vice versa).
For benefits decision-makers, that means accounting for four different generations when creating benefits packages (Generation Z, millennials, Generation X and baby boomers). Seem complicated? Rest easy: There aren’t huge disparities in the most important types of benefits across generations. The standards continue to top the list for everyone: major medical, disability, dental, vision, paid leave and life insurance.2
But despite there being ample similarities among what a 20-year-old and a 70-year-old might value, there still are differences. That’s complicated by the fact that the definition of employee benefits is broader than it has been in the past. Professional benefits, mental health perks and societal benefits are all emerging in the benefits field, and people at different ages value different types of benefits within those categories. They also have some generational differences in how they prefer to communicate, and the role that technology plays in their benefits.
Learn here about the key differences among generations, then read our companion article to investigate solutions.
Physical health benefits reign supreme for all
As a category, physical health benefits — meaning anything designed to support employees’ physical health, such as major medical insurance, dental and vision coverage, critical illness coverage, cancer insurance, accident insurance, gym membership support, and wellness programs — are the most important across all generations, according to research from industry group LIMRA.2
There are some distinctions in how generations value physical benefits, though. Boomers are the most invested in this category, assigning it 40 points out of 100 compared against other benefits; Generation Z assigned it 27 points out of 100, making up the difference in other categories, including mental health, professional benefits and societal benefits.2
Surprising nuances emerge through these broad preferences, though. According to both LIMRA and Aflac,3 millennials are the likeliest of all age groups to want critical illness coverage — more so than older generations, who are likelier than millennials to actually receive a critical illness diagnosis. Millennials also want physical wellness programs significantly more than other generations.2
Younger workers particularly value mental health benefits
The headlines about Generation Z being fluent in mental health issues play out in the research: Generation Z places more importance on mental health than other groups, with each successive generation valuing it slightly less than the one that preceded it.
But don’t let those headlines lead you to believe that older workers prefer to just tough it out when it comes to mental wellness: There’s only an 8-point discrepancy between how much Generation Z and boomers value mental health benefits.2
Among types of mental health benefits, insurance coverage for mental health was the most desired benefit, except among boomers. The second most-desired benefit? Having a space in the office that’s devoted to mental health processing (like a quiet room or a meditation room). And in a twist that goes against the stereotype of younger people’s expectations of in-office perks, is what boomers said would be their top mental health benefit.4
Employee assistance programs, a traditionally underutilized benefit,5 assume an unusual importance among millennials, who are significantly more likely to show interest in these programs than other generations, with 40% saying they would be interested in having an employer offer one (compared with 28% for both Gen Z and Gen X, and just 13% among boomers).2
Different life stages, different valuation of financial benefits
As with other benefits categories, financial wellness is rated similarly in overall importance across generations. But within this category, we see generational specifics emerge that correlate directly with people’s life stages.
Take student loan assistance. This perk generated eight times more interest among Gen Z employees than among boomers, and tuition assistance garnered 3.7 times more interest among Gen Zers than it did among boomers.2 This tracks with a predictable life arc, which sees people fresh out of college or vocational training more concerned about paying off student loans than older adults who have either long paid theirs off or never had them to begin with.
Again, though, millennials confound simple generational explanations here. Millennials appear somewhat more stressed than other groups regarding financial support, with 44% saying they want a financial wellness program and 45% saying they would value an emergency savings benefit — 10 and 9 points higher in importance than other generations. This extends to finances regarding physical frailty; millennials rated long-term care insurance and caregiving benefits higher in importance than other generations.2
Employees value professional benefits at all points of their careers
If you’re worried about “quiet quitting” among your workforce, employees’ investment in professional benefits may lend you some heart. This benefits category fell within a 5-percentage-point range of importance across generations2 — meaning that boomers and Gen Zers, each at the alpha and omega of the career spectrum, value them similarly.
Professional benefits can include formal benefits such as career development programs as well as informal perks such as better training. That shows up most clearly in the No. 1 professional benefit prized across all generations: flexible work options.4 Access to learning management systems and cross-department training were also both scored as worthwhile professional benefits across all generations.
That’s not to say all types of benefits within this category are valued unilaterally. Gen Xers and boomers, despite being likelier to be managers, place less importance on the value of manager training.4 But even among these two older generations, we see a sharp divide about the importance of performance reviews cropping up between Gen X and boomers — Gen X doesn’t want them, boomers do.4
In another surprise, millennials are the least enthused of all generations about mentorships.4 According to LIMRA research, though, they’re more excited of all groups about career development benefits. They’re also most invested in debt management counseling,2 even though Gen Xers carry more debt overall.6
The best of the rest: the role of emerging benefits
Other types of benefits bring a mixed range of appreciation. Millennials are more eager than other generations for legal service support, Gen Z values pet insurance and societal benefits more than other age groups, and Gen X is the most appreciative of long-term disability coverage.4
Then there’s how benefits are actually enacted. Enrollment platforms and mobile options aren’t benefits in and of themselves; they’re routes to get employees the benefits they need. But positioning apps, online portals, and other tech-forward communication formats as benefits support can help all employees — particularly Generation Z and millennials — engage more deeply with their benefits. Eighty-two percent of all employees agree that it’s important to be able to manage benefits online, showing that this preference isn’t limited to digital natives.3
Now that you have a grasp on the nuances that both unite and divide the generations in your workforce, you’re ready to investigate solutions. Read this companion article to learn what to do from here.
Find the benefits package that’s right for your multigenerational team. Contact your Aflac benefits advisor or visit Aflac.com/business.
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
1 Yahoo Finance. “More boomers are staying in their jobs instead of retiring. They’re working longer hours and making more money, new Pew data finds.” Published 12.14.2023. Accessed 2.12.2025.
2 LIMRA. “Harnessing Growth and Seizing Opportunity. 2023 Workforce Benefits Study.” Published 8/17/23. Accessed 2.10.25.
3 Aflac. “Workplace benefits trends: executive summary 2023-2024.” Published 2023. Accessed 2.12.2025.
4 Forbes. "Top Workplace Benefit Trends By Generation." Updated 2.1.24. Accessed 2.12.25.
5 HR Dive. “Why EAPs go unused despite growing mental health awareness.” Published 12.1.2023. Accessed 2.12.2025.
6 CNBC. “The average American has $90,460 in debt—here’s how much debt Americans have at every age.” Updated 11.14.2023. Accessed 2.12.2025.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health or financial advice for any person or for any specific situation. Employers, employees and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Individual 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.
Group supplemental insurance coverage is underwritten by Continental American Insurance Company (CAIC), a wholly owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. For groups sitused in California, insurance coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, insurance coverage is underwritten by American Family Life Assurance Company of New York.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost.
For individual supplemental plans, refer to the specified policy/rider form(s) for complete details, benefits, limitations and exclusions. Policies/riders have limitations and exclusions that may affect benefits payable. For availability and costs, please contact your local Aflac agent.
For dental and vision plans and group supplemental plans, coverage described here is a brief description of coverage and subject to plan limitations, exclusions, definitions and provisions. Please see coverage documentation applicable to your situs state for further details.
Aflac dental and vision insurance products will be underwritten by American Family Life Assurance Company of Columbus. In New York, coverage will be underwritten by American Family Life Assurance Company of New York.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Aflac | WWHQ | 1932 Wynnton Road | Columbus, GA 31999 | 800.992.3522
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211 | 800.366.3436
Continental American Insurance Company | Columbia, SC | 800.433.3036
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