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Keep your same coverage, no change in price, simply update your premium payment method online.*
Job changes can have a big impact on your life. You can help protect your family during the transition by continuing your Aflac coverage.
Your coverage is portable – that means it belongs to you individually, not your employer. To ensure continued coverage, you can pay your premiums directly to Aflac through autopay or continue deductions with your new employer if they offer Aflac coverage.
Many of our policies include a Continuation of Coverage benefit, which waives monthly premium for up to 2 months if certain conditions are met.
The easiest way to ensure your coverage remains in place if you ever change jobs or retire is by enrolling in Aflac Always®. With Aflac Always, you lock in your current premium rates and avoid extra paperwork or delays.
Log in to your account at aflac.com/login and enroll in Aflac Always.
Aflac Always will only activate automatic payments should your employer remove you from their account. We’ll notify you before payments begin, then we’ll follow your stored payment instructions. Note: you can always revert back to payroll deductions if a future employer offers Aflac.
Once your employer has officially notified Aflac to remove you from their account – typically 30 days after your effective termination date – you have the option to either sign up for autopay or respond to your Continuation of Coverage email or letter.
Log in to your account at aflac.com/login to provide new payment method and instructions – you’ll see 1 of 2 options:
a) Sign up for Aflac Always
b) Set up autopay
If you don’t manage your account online, you can wait to respond to the Continuation of Coverage email or letter that Aflac will send you – allow 30-60 days after your termination date.
Don’t miss your deadline
Aflac must receive all required notifications, forms, applications, supporting documentation and premium payment info by the communicated deadlines.
** Premium rates may vary for residents of New York
Learn how to access and manage your account 24/7 (including My Aflac mobile app) to check eligibility for Continuous Coverage Benefits, view policy details, manage your coverage, submit claims, set up payment and more.
New policy in child’s name with no lapse in coverage nor need to medically re-qualify.*
When a dependent child reaches 26 years of age, they’re no longer eligible for coverage as a dependent and will need to be removed from the policy. Coverage effective age limit dates vary by state, so view effective dates by state for dependents turning 26.
The good news is, your child may qualify to continue coverage under a separate policy if we’re notified within the deadline.
Log in to your online account to view your policy details for dependent coverage.
The primary policyholder (parent/legal guardian) must submit a request for deletion using one of the methods below.
NOTE: If Aflac is not officially notified until 90 days or more after the event date occurred - then appropriate supporting documentation must be provided to Aflac (e.g., copy of the dependent's birth certificate or drivers license displaying their date of birth).
Once the deletion has been received, Aflac will contact the person being removed from the policy with a continuous coverage offer that includes the types of coverages available and premium information. By accepting this offer and remitting payment within the provided deadline, a new policy will be issued in their name.
Don’t miss your deadline
Aflac must receive all required notifications, forms, applications, supporting documentation and premium payment info by the communicated deadlines.
Learn more about the Affordable Care Act (ACA)
Before the Affordable Care Act many health plans and issuers could remove adult children from their parents’ coverage because of their age, whether or not they were a student or where they lived. The ACA requires plans and issuers that offer dependent child coverage, to make the coverage available until a child reaches the age of 26.
After a dependent child is removed from an Aflac policy due to reaching age 26, that young adult then has the option to continue similar coverage with Aflac under a new, separate policy in their name – without a lapse in coverage or a need to requalify medically – if the process with Aflac is completed within the deadline.
Visit the Department of Labor’s FAQs for young adults regarding Affordable Care Act (ACA) for more information (e.g. What are my options for health coverage once I reach age 26?).
Learn how to access and manage your account 24/7 (including My Aflac mobile app) to check eligibility for Continuous Coverage Benefits, view policy details, manage your coverage, submit claims, set up payment and more.
New policy in spouse’s name with no lapse in coverage nor need to medically re-qualify.*
If your marital status changes due to marriage or divorce, you’ll need to add or remove your dependent from coverage, as it affects premium rates and claims eligibility.
To remove the spouse from the policy, the primary policyholder must submit a request for deletion using one of the methods below.
NOTE: If Aflac is not officially notified until 90 days or more after the event date occurred - then appropriate supporting documentation must be provided to Aflac (e.g., copy of the complete divorce decree, Judgement of Dissolution or death certificate).
Once the deletion has been received, Aflac will send a continuous coverage letter to the removed living spouse that includes the types of coverages available (e.g. Individual, Family, etc.) and the premium information. To be eligible for continuous coverage, the removed spouse must return a completed and signed application within 60 days from the date of the divorce, with premium payment method so that coverage can be issued in the spouse’s name as the primary insured.
The primary policyholder for the policy must submit a request to add them to their coverage.
This process can vary by state. Call us toll-free at 1.800.99.AFLAC (1.800.992.3522) Monday through Friday 9 a.m. to 7 p.m. ET, or contact your Aflac agent for support – Log in to your account to locate your agent’s contact information, accessible from the My Account page.
When the spouse completes and returns the continuous coverage verification form with direct payment a new policy is issued and a new policy packet will be mailed once the new coverage is issued.
Don’t miss your deadline
Aflac must receive all required notifications, forms, applications, supporting documentation and premium payment info by the communicated deadlines.
Learn how to access and manage your account 24/7 (including My Aflac mobile app) to check eligibility for Continuous Coverage Benefits, view policy details, manage your coverage, submit claims, set up payment and more.
* If eligible and meet appropriate deadlines per the terms of your state of residence and policies. Premium rates may vary for residents of New York.
