Aflac's Individual and group policies are designed to give our customers peace of mind when life events occur. This year, with the COVID-19 virus, and the uptick in H1N1 expected by the medical community, the CDC has provided guidance on its website. For that information, please visit www.cdc.gov. If you are an Aflac customer and have questions about your coverage please visit www.aflac.com/contactus and see the frequently asked questions below.
Does Aflac coverage include testing for COVID-19?
We are closely monitoring the impact that COVID-19 is having on our customers and employees as caring for them is our number one priority. Aflac policies/certificates (i.e. Accident, Hospital, etc.) provide coverage for an annual wellness or health screening benefit. Tests for COVID-19, as well as other laboratory tests, may be covered as a wellness or health screening benefit under your Aflac policies/certificates.
If an insured has not tested positive for COVID-19 but his doctor feels it is best to remain in self-isolation or the government has put him under quarantine, will Aflac pay benefits while he’s staying home?
We are closely monitoring the effect of COVID-19 for our customers and employees, and we understand how it is impacting day to day lives. Aflac policies/certificates (i.e. Accident, Hospital, etc.) provide coverage for an annual wellness or health screening benefit. Tests for COVID-19, as well as other laboratory tests, may be covered as a wellness or health screening benefit under your Aflac policies/certificates. However, without a diagnosis, Aflac is unlikely to pay as a covered illness or injury.
Product Specific Questions:
During these uncertain times, the DOIs are reviewing policies and language to ensure that policyholders clearly understand their benefits and know what is available to them. As Aflac is made aware of state advisories, we will post them here so you can readily access them as needed.
U.S. Department of the Treasury – Assistance for Small Businesses
U.S. Small Business Administration – Coronavirus (COVID-19): Small Business Guidance & Loan Resources
Aflac Federal Relations – Webinar: Paycheck Protection Program updates and Department of Commerce Programs
Aflac Federal Relations – Webinar: Small Business Series
Aflac Federal Relations Advisory – Cares Act for Small Business Advisory
Aflac Federal Relations Advisory – COVID-19: Congress, IRS respond with new requirements and clarifications for employers
Aflac Federal Relations Advisory – Resources for small businesses impacted by natural disasters
Individual coverage is underwritten by American Family Life Assurance Company of Columbus. Group coverage is underwritten by Continental American Insurance Company, 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, coverage underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York. WWHQ | 1932 Wynnton Road | Columbus, GA 31999 Continental American Insurance Company | Columbia, SC
Policy benefits may vary by state. Please view your policies to get the best and accurate information regarding your coverage.
The information contained in these FAQ's does not alter or modify the insurance contract. Claims will be administered according to the applicable policy terms and conditions.