Notifications from Aflac

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.


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What is an Accelerated Death Benefit Rider in Life Insurance?

An accelerated death benefit (ADB) is a life insurance add-on that can allow you to access a portion of your death benefit early if you’re diagnosed with a qualifying illness. This rider is designed to help alleviate financial stress during a trying time. Aflac offers an accelerated death benefit rider* that you can add on to our term and whole life insurance plans. Keep reading to learn more about what an accelerated death benefit rider is, how it works, and the purpose of having this benefit.

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What is an accelerated death benefit rider?

Also known as a living benefit rider, an accelerated death benefit rider can be useful if you receive a diagnosis that will likely shorten your life. As long as you’ve paid your premiums, you may access part of the benefit early to help cover medical bills, care costs, and other expenses. While each life insurance company has its own rules, some may allow you to withdraw up to 50% if you meet their qualifications. Limitations and exclusions apply. Each carrier may vary on what is allowed.

How much does an accelerated death benefit rider cost?

Many life insurance companies include an accelerated death benefit rider in their policies at no extra charge. But if you do tap into it, you may have to pay a processing fee that will be deducted from the amount you choose to receive. In some cases, you may pay a higher premium. Before you commit to a life insurance policy, find out how an accelerated death benefit plays into it.

When to use the accelerated death benefit rider

An accelerated death benefit is usually a lump-sum payment you can use in any way you’d like to help alleviate financial stress during your final years. In many cases, you must have a terminal illness to qualify for this benefit. Many people use the funds for:

  • Hospital bills
  • Nursing home care
  • Hospice
  • Private caretaker services
  • Dependent care
  • Day-to-day expenses
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How to get the accelerated death benefit rider

As stated, an accelerated death benefit rider may be automatically included in your life insurance policy. If it’s not, you can simply reach out to your insurance company and ask for this type of coverage. Keep in mind that you may need to prove you’ve developed a qualifying condition or terminal illness before you can access an accelerated death benefit rider.1

What is the purpose of having an accelerated death benefit rider?

There are several situations where an accelerated death benefit rider may be needed. If you have a family history of a chronic or terminal illness, for example, you may want to consider this add-on. Also, if you know you don’t have enough savings to cover unexpected medical expenses ,an accelerated death benefit rider may be helpful.

Aflac offers an accelerated death benefit

An accelerated death benefit rider can be helpful if you get diagnosed with a terminal illness. It helps so you can receive the medical care you need and enjoy the rest of your life without worrying about your finances. Fortunately, Aflac offers life insurance plans with an accelerated death benefit rider for added peace of mind. Start chatting with an agent to learn more about our types of policies and get a quote.

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