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.
We care about Aflac’s policyholders affected by the recent earthquake:
To help provide relief for California policyholders residing in Del Norte, Humboldt, and Mendocino counties affected by the earthquake, Aflac will provide a premium grace period starting Dec. 5, 2024, and ending Feb. 03, 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.
Accidents can take anyone by surprise. Additionally, an injury can leave you out of work and with high medical costs, potentially putting financial strain on you and your loved ones. Accident insurance policies are designed to alleviate these financial concerns by paying you a lump sum to help cover injury-related costs and even help by filling in some of the gaps in your income. Read this article to learn how accident insurance works, how much it typically costs, and how to file a claim with your policy.
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Accident insurance is a type of supplemental insurance that can help the policyholder cover medical costs or living expenses due to a covered accident that causes the policyholder to be injured. The policyholder maintains their accident insurance coverage by paying regular premiums.
Accident insurance can be used to help replace some lost income, but it is designed more with any accident in mind, whether it occurred at work or not. Also, this type of policy pays out a lump sum. On the other hand, disability insurance helps pay an income stream if you get an injury that keeps you from working. So, these policies can complement each other. Disability insurance can help replace income, whereas accident insurance can help you pay for a variety of different expenses after an injury and does not rely on whether or not you are able to work.1
Aflac offers accident insurance policies to help you and your loved ones cover injury-related costs without debt or financial stress.
Many employers offer group accident insurance in employee benefits packages. On the other hand, you can get personal accident insurance outside of work through an insurance provider. Here are some key differences between personal and group accident insurance:
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedPersonal accident insurance policies generally cost anywhere from $6 to $50 per month on average.2 Your personal accident insurance premiums can vary by many factors, such as:
Filing an accident insurance claim involves several steps:
Nobody can predict accidents, even if they’re cautious. Getting injured can also create financial turmoil, which can only add to your stress. Accident insurance can help guard against that by providing an affordable safety net in case of injury or death. Chat with an Aflac agent today to learn how you can gain added peace of mind and financial security with an accident insurance policy.
Get StartedAccident insurance can ensure you’re covered in the event of an unexpected injury. Learn how accident insurance coverage works and whether it’s worth it.
Looking for student health insurance? Learn how health insurance for college students works and the types of student health insurance plans available.
1 Policygenius – What is Accident Insurance? Updated May 30, 2024. https://www.policygenius.com/disability-insurance/what-is-accident-insurance/. Accessed October 21, 2024.
2 GoodRx Health – What Is Accident Insurance and Is It Worth It? Updated September 20, 2023. https://www.goodrx.com/insurance/health-insurance/what-is-accident-insurance. Accessed October 21, 2024.
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.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Accident, A36000 series: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Z2301349R1
EXP 12/25