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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Life Insurance with a Long-Term Care Rider

A long-term care rider is an add-on to a life insurance policy. It can offer added financial protection if you’re still alive but no longer able to take care of yourself. While Aflac doesn’t offer a long-term care rider, we do have a variety of other riders that can help you customize your coverage. Let’s dive deeper into life insurance with a long-term care rider so you can decide if it makes sense for you.

2 Min Read

Key Takeaways

  • A long-term care provides financial support if you’re unable to perform two or more of the six activities of daily living, such as eating and walking.1
  • The cost of a long-term care rider can increase your premiums by $600 to $800, depending on the life insurance company you choose.2
  • Aflac doesn’t currently offer a long-term care rider, but we do offer other riders like an accelerated death benefit rider and waiver of premium rider.

What is a life insurance long-term care rider?

A long-term care rider is a life insurance rider that provides coverage if you’re unable to independently perform two or more of the six activities of daily living, which include eating, bathing, getting dressed, walking, and maintaining continence.1 The payout from a long-term care rider can be taken from your policy’s death benefit to use for expenses, including medical care costs that come with aging.2

How a long-term care rider works

Here’s what you can expect from a long-term care rider:

Requirements

To qualify for a long-term care rider, you must be chronically ill and unable to perform at least two of the six activities of daily living. In addition, you may need a care plan in place with proper documentation.

Waiting period

Many life insurance companies have a waiting period that might be anywhere from 20 to 100 days.3 For example, if the waiting period is 90 days, it means you can’t access long-term care rider benefits before the 90 days are up. You may receive coverage at any time after this period.

Payout

If you’re eligible for a long-term care rider, your life insurance company may distribute the payout, which will likely be a percentage of your death benefit every month. While each rider is unique, monthly allowed amounts might be between 1% to 3% of the death benefit.2

What expenses can a long-term care rider cover?

A long-term care rider is designed to help pay for expenses that a traditional health insurance policy won’t cover, such as:2

  • Nursing home stays
  • Private nursing care
  • Other assisted medical care
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Life insurance long-term care rider cost

The cost of a long-term care rider will depend on the life insurance company you choose. While many riders can be added on for a flat fee, long-term care riders are typically priced as a standalone product. This makes them more expensive and may add anywhere from $600 to $800 to your premiums annually.2

How to get a life insurance long-term care rider

You can get a long-term care rider when you first purchase a life insurance policy. Here’s how the process typically works:

  • After doing some research online to compare life insurance companies and types of policies, get a few quotes and choose an option that meets your coverage needs.
  • Then, you can fill out an application and take the medical exam.
  • Once the underwriting process is complete, you can receive coverage and start paying premiums.

Is a long-term care rider worth it?

The cost of long-term care does not come cheap. In fact, it can cost nearly $9,000 per month to stay in a private room at a nursing home.2 If you’d like to ensure you can afford end-of-life costs, a long-term care rider is worth considering. But if you already have savings available for long-term care or don’t want to spend the extra money on a rider, you may decide you don’t need this product.

Aflac offers life insurance riders

A long-term care rider can come in handy if you become chronically ill and need assisted medical care, as traditional health insurance doesn’t cover these expenses. Aflac does not currently offer a long-term care rider, but you might want to explore other riders that Aflac does offer, such as the accelerated death benefit rider and the waiver of premium rider. Contact Aflac today for more information on our life insurance policies for individuals and get a quote.

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Learn more about Aflac products for Individuals & Families: