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Selling Employee Benefits in the New Health Care Era by Tom Giddens featured in  Advisor Today, March/April 2014

Helping workers make informed benefits decisions can be a challenge and shifts resulting from the Affordable Care Act mean, potentially, even more confusion. Helping employers and their employees understand the key aspects of benefits enrollment can help them better adjust to the new insurance landscape. It can also help you to leverage these changes to your advantage and find success during reform. Read the article.

The Critical Truth About Critical Care Insurance by J. Keith Pellerin featured in Broker World, March 2014

Americans love to play the odds. They’ll bet on anything: a roll of the dice, a turn of the cards, the outcome of the Super Bowl, and even who will win American Idol or the pie-eating contest at the county fair. It’s no surprise that we’re a nation of risk-takers. … Unfortunately, American daring has a downside, too, as many an imprudent gambler has discovered. Experienced risk-takers quickly learn to bet only what they can afford to lose, avoiding wagers that might result in financial ruin. Read the article.

Empower Your Employees by Audrey Boone Tillman featured in HRO Today, March 2014

Having employees take more control of their health and wellness benefits is on the agenda for many HR executives in 2014. So HRO Today asked two experts to offer their insight into engaging employees in consumer-driven healthcare. Audrey Tillman, Aflac’s executive vice president of corporate services, and Alan Spiro, chief medical officer for Accolade, address the state of health benefits and offer some best practices to get your workforce behind the driver’s wheel of their health and healthcare management. Read the article.

5 Benefits & HR Trends to Watch in 2014 by Audrey Boone Tillman featured in Benefits & Wellness Excellence Essentials, February 2014

This year benefits and HR issues are anything but status quo. The health care landscape is shifting, the economy is still in the midst of recovery and the workforce is rapidly changing. To help you to track what’s coming next, here are five key benefits and HR trends to watch in 2014. Read the article - Page 7.

Open Doors by Tom Giddens featured in IA Magazine, February 2014

It’s February and the open enrollment season has wrapped up—but that doesn’t mean you should stop communicating with your clients.Even though open enrollment season is when agents and brokers communicate most with their customers—and when employers traditionally talk to their employees about benefits—it’s important to maintain that communication all year round. Read the article.

Term life: Financial security that rings true in the New Year by J. Keith Pellerin featured in National Underwriter Life & Health Magazine, February 2014

Life insurance continues to be a high-demand benefit, appealing to workers who want to protect their families’ lifestyles if the worst should happen. Read the article.

The Post-Health Care Reform Advisor by Tom Giddens featured in Life & Health Advisor, February 2014

Despite the political atmosphere around health care reform, it’s undeniable that we’re living through an exciting transition. Health care reform has significantly altered the structure of American health insurance and given health insurance brokers reason to be concerned about their role in the industry. However, as we like to say at Aflac, change brings opportunity. Read the article.

In An Era of Health Care Volatility, Supplemental Benefits Offer Security People Can Count On by Ron Fields featured in HealthCare Consumerism Solutions, January/February 2014

Helping workers make informed benefits decisions can often be a challenge — even without massive change and confusion. In light of recent industry shifts and heightened concern about the costs of health care, the potential for confusion is higher than ever. And yet, in the midst of all this anxiety is an opportunity — for employers, employees and agents. Voluntary insurance plans can help provide a safety net that is welcomed by workers who are increasingly shouldering the costs of health care. Read the article - Page 21.

The Supplemental Silver - Add Benefits & Reduce Costs by Audrey Boone Tillman featured in Benefits & Wellness Excellence Essentials, January 2014

Changes in the health care landscape provide many opportunities for health care professionals. The complex, evolving nature of regulations has left many workers confused, leaving room for benefits consultants to market their expertise to employees. When it comes to consumer advocacy and knowledge about health insurance, a company’s HR professional is the best navigator. Read the article.

2014 Carrier Forecast – Right People and Right Products to Thrive in Today’s Health Care Industry by Dan Lebish featured in Broker World, January 2014

It’s no secret that U.S. health care is undergoing a major overhaul. Regardless of whether you believe this is for the better or worse, change in the industry can’t be ignored. Our focus should not be on the political strife that consumes so many insurance-oriented conversations, but rather on the business-to-business opportunities it creates. Read the article.

Vision Insurance in Your Benefit Portfolio by Tom Giddens featured in California Broker, January 2014

... As one of the states with a highly connected population, California is statistically above the national connectivity average, according to the Census Bureau. This likely means that residents spend more time online on a computer or smart device. So how does this translate to employee eyesight? Assuming that the higher connectivity levels correspond to more time spent looking at a screen; employees could be putting strain on their eyes. Read the article.

Don't Delay Preparation for Health Care Reform featuring Audrey Boone Tillman in Car Wash, Winter 2014

… This is an important step to reducing anxiety and confusion for employees, said Audrey Boone Tillman, vice president of corporate services for Aflac. “One of the most common mistakes we’re seeing is lack of benefits communication between employers and employees,” Tillman said. Read the article.

Voluntary Benefits 2013 featuring Aflac in California Broker, December 2013

Voluntary employee-paid benefits are becoming more and more popular as employers struggle to offer employee benefits amid rising costs and shrinking budgets. These benefits offer employees the convenience and the discounted rates that they would not have access to on the individual market. Read the article.

Total Rewards – Focus on the big picture by Audrey Boone Tillman featured in Benefits & Wellness Excellence Essentials, December 2013

They say good things come in small packages, but when it comes to health insurance benefits, most workers prefer a different adage: “The more the merrier.” Read the article.

The 3 Insurance Policies You and Your Employees Should Not Ignore by Michael Zuna featured in Small Business Trends, December 2013

Despite all the emphasis recently on major-medical health coverage, let’s not forget three other types of insurance policies that can provide valuable protection for you, your employees and respective families in the event of injury or illness. Read the article.

Help Your Employees Better Understand Health Insurance Terms by Michael Zuna featured in Small Business Trends, December 2013

The health care landscape can be confusing. Rules and regulations seem to be endlessly shifting and it’s a challenge to keep track of the moving parts. But from a micro perspective, health care shouldn’t be that difficult. Your employees know what their insurance plans do for them, so that’s really all they need to be aware of – right? Read the article.

A Singular Opportunity by Keith Pellerin featured in Advisor Today, November/December 2013

It’s time to debunk the myth that single people don’t need life insurance. In today’s world, singles are doing themselves and their loved ones a disservice if they don’t at least consider purchasing life insurance. Read the article.

Employers Aren't Ready for Obamacare, but Are Dumping Your Spousal Coverage featured Michael Zuna in MainStreet.com, August 2013

With open enrollment only a month away, companies are way behind the curve in explaining to workers how their health care coverage will change Oct. 1. Aflac, the Columbus, Ga. insurance provider, says seven out of 10 U.S. companies have yet to communicate health care benefits changes to staffers, with only 9% of U.S. companies being "very prepared" to make the necessary changes to their health care coverage mandated by ACA reform rules. Read the article.

Changing Your Health Plan Due to Obamacare? Survey Staffers First featured Audrey Boone Tillman in Entrepreneur.com, August 2013

Part of our ongoing Obamacare strategizing timeline to help businesses prepare for the upcoming health-care reforms. A few years ago, insurance provider Aflac surveyed its employees about its benefits plan, inviting staffers to write responses to open-ended questions about what they did and did not like about their health-plan choices. Read the article.

Keep Your Best Employees with Better Benefits by Michael Zuna featured in Small Business Trends, August 2013

Searching for quality talent can prove to be difficult, especially in the face of rising health care costs and health care reform. In fact, a recent NFIB report (PDF) found that 41 percent of small business owners reported few or no qualified applicants for open positions and 19 percent reported having job openings they could not fill in the current period. To maintain the best employees for your business, it’s imperative for business owners to take necessary steps to keep current top-tier employees satisfied in today’s economy. Read the article.

Wellness Programs: Improve Workforce Health, Reduce Health Care Costs by Michael Zuna featured in Small Business Trends, August 2013

Are your workers participating in activities outside of the office? Does your office have a running club or a softball team? More importantly, as your employees look to be healthy outside of work, is your office doing what it can to promote a healthy environment while at work? Though some businesses may be straying from wellness programs in order to control finances, the indirect costs of poor health (e.g., absence at work) can be two or three times the direct medical expenses for companies. Read the article.

Open Enrollment — making it work better, featuring Audrey Boone Tillman in SHRM Focus on HR, August 2013

As summer winds down, the people around you are probably trying to figure out how to fit in just one more trip to the beach. But if you have benefits responsibilities you are probably wondering how to tackle issues on open enrollment process. Well help is on the way. Coming on next we talk with Audrey Boone Tillman, Executive Vice President of Corporate Services at Aflac, to get her insights on how to make this year’s open enrollment more effective than ever. View the webisode.

Are consumers ready for consumer-driven health care? by Michael Zuna featured in LifeHealthPro.com, August 2013

When it comes to employer-sponsored healthcare, consumers are about to take the driver's seat. The changes taking place in the U.S. health care system have resulted in shifts in responsibility. An increasing number of employers have moved from HMO and PPO plans to consumer-driven or high-deductible plans. Consumers are about to take the driver’s seat. But are they ready? Read the article.

The Employee Benefits Game Plan by Audrey Boone Tillman in About.com, August 2013

Benefits experts are often disappointed by employees’ lack of interest in health care insurance. They should be, given that so many employees greet open enrollment with a collective yawn. According to Aflac’s 2012 open enrollment survey, 89% of employees choose the same benefits year after year,(1) making it clear that some HR messaging goes in one ear and out the other – or isn’t heard at all. Read the article.

Health Care Reform and the Role of Voluntary Benefits Options by Drew Niziak featured in Broker World, August 2013

Health care reform is a reality for both businesses and brokers. As new regulations go into effect, there are many complex strategies to manage, meaning it’s time to help clients not only navigate the impending changes but also understand the important role voluntary benefits options can play in the new benefits landscape. Read the article.

Consumers Need to Learn How to Drive Health Care Decisions by Ron Fields featured in InsuranceNewsNet Magazine, August 2013

The American workforce is about to gain more control over its health insurance. Unfortunately, more control is exactly what most Americans don’t want. Read the article.

View from the Top: Top Life Executives Give Their Views on the Industry State Today featuring Drew Niziak in California Broker, August 2013

The workplace will be a growing venue for life insurance sales according to nearly every executive featured in our annual view from the top survey. In fact, one executive expects employee-paid programs to account for most of the growth in life insurance sales. With health care reform, employees will be looking for supplemental coverage as they assume more of their health insurance costs. In response, the brokerage community is focusing more on voluntary products to meet the demand. Read the article.

Why Voluntary Insurance Matters by Michael Zuna featured in The Institute for HealthCare Consumerism, August 2013

Health care reform has had an impact on practically every aspect of health services for individuals and businesses. While many are confused about what it means for them, in the months ahead key provisions will take effect that will require businesses and individuals to make key benefits decisions. Read the article.

Self-Funded Insurance Models Provide New Options for Small Businesses by Michael Zuna featured in Small Business Trends, August 2013

Many small businesses find themselves paying increased health insurance premiums year after year, eventually prompting them to consider dropping health benefits altogether. According to the 2013 Aflac WorkForces Report, 47 percent of businesses with fewer than 100 employees say offering robust benefits while staying within budget is a top challenge. Read the article.

4 Secrets to Building A Loyal Small Business Workforce by Kip Havel featured in Small Business Opportunities, August 2013

When you run a small business, you don’t take your resources for granted. You have to rely on your workers’ skills, interests and abilities for your business to thrive. In return, your workers rely on you to provide a great place to work with competitive pay and benefits. Read the article.

Determining the Real Value of Insurance by Ron Fields featured in The Interpreter, Summer 2013

Men and women of all ages might be at risk at any given time for a sudden health emergency or unplanned medical expenses that could cause financial distress. Yet many employees — especially younger ones — mistakenly feel invincible and don’t expect the possibility of illness or injury. Read the article.

Era of Choices Creates Opportunities featuring Michael Zuna in Rough Notes, July 2013

If employers expect to continue to use their employee benefit programs to help recruit and retain top employees, they had better pay more attention to benefit communication, say two of the largest voluntary benefit providers. Read the article.

Effective Marketing of Employee Benefits Attracts, Retains Top Talent featuring Audrey Boone Tillman in XpertHR, June 2013

The Third Annual Aflac WorkForces Report shows a disconnect between employees' understanding of, and employers' attitudes toward, available benefit packages. However, the data suggests that employers that effectively market information on total rewards packages could not only inspire employee loyalty and increase work productivity but also boost employee retention. Read the article.

Survey: Employees don't want control over health care featuring Audrey Tillman in Employee Benefits News, June 2013

As more and more employers look at defined contribution health care and other insurance shifts, will employees be ready? Last year, J.D. Power and Associates reported that 47% of employers "definitely" or "probably" will switch to a defined contribution health plan in the coming years. The third annual Aflac WorkForces Report reveals a sobering gap in employee readiness to handle and take on the shift toward consumer-driven health plans and defined contribution health. Read the article.

Eyes on the Prize by Tom Giddens featured in Sales & Marketing Management, June 2013

No matter how much your sales associates love working for your company, none of them love it so much that they would do it for free. And while a base salary and commissions are nice, the sales contests and incentive programs you provide are key to demonstrating that your organization recognizes and appreciates the associates who go the extra mile. Read the article.

The ROI on Employee Benefits by John Harmeling featured in Benefits Magazine, June 2013

Do employee relationships need to be nurtured in the same way personal relationships do? Absolutely. After all, nearly 44% of workers who do not think their employers care about them say they're likely to leave their jobs within the next year, according to the 2013 Aflac WorkForces Report. Read the article.

Four big ways the sales market is changing and how you can respond by Kenneth C. Meier featured in PIA Magazine, June 2013

Lately, change has been a topic of conversation in the life/health insurance industry. These changes encompass many different developments, from increased competition to the implementation of new legislation, specifically health-care reform. Read the article.

The Word of Mouth on Dental Insurance by John Harmeling featured in California Broker, June 2013

Lets get real: A dental visit is not high on the list of most peoples favorite activities. In fact, the American Association of Endodontists reports that about 80% of Americans are afraid of the dentist and up to 10% are so fearful that they avoid dental checkups altogether. Read the article.

Communicating the Real Costs of Injury and Illness by Jeramy Tipton featured in Broker World, June 2013

Many Americans believe they are invincible when it comes to accidents and illnesses. In reality, many workers will face costly health care needs and unexpected medical emergencies in their lifetime. Men and women of all ages, races and nationalities may be at risk at any given time for a sudden health emergency or other unplanned medical expenses. Yet, many workers simply don’t expect illness or injury and are unprepared. This leaves brokers with the challenge of adequately communicating the real costs of accidents and illnesses — for both employees and employers — to their clients. Read the article.

Turning Tides with the Small-Business Owner featuring Ron Fields in Advisor Today, May/June 2013

Are you getting through to your small-business clients? As advisors, has the conversation with this key target stalled? Small businesses that offer robust programs without negatively impacting the bottom line should also consider adding voluntary insurance policies. Read the article.

Dental Insurance: Its more than a nice-to-have by John Harmeling featured in Voluntary Benefits Magazine, May 2013

Are you one of the many Americans who believe dental health is secondary to overall health? If so, its time to jettison that idea: Over the past few years, medical researchers have discovered links between oral health and a wide variety of serious diseases. Read the article.

Self-Funded Plus Voluntary: A Cost-Effective One-Two Punch by Ron Fields featured in Life & Health Advisor, April 2013

In June 2012, the Supreme Court paved the way for health care reforms full implementation; in November, Barack Obama's re-election all but eliminated the chance it would be repealed. Read the article.

Connecting with a new generation of life insurance consumers by Christopher Hoff featured in Life Insurance Selling Magazine, April 2013

As the number of American workers younger than 40 grows, agents and brokers are facing the challenge of how to sell to Generation Y. Born beginning around 1980, this group is projected to comprise 40 percent of the workforce by 2020, representing the fastest growing segment of the population.1 Its also perhaps the most tech savvy, with 59 percent using smartphones. Read the article.

A Life-Changing Decision for Single Parents by John Harmeling featured in California Broker , April 2013

Although 93% of adult Americans say its important to have life insurance coverage, 25% of primary wage earners do not have a plan in place to provide for their family if they die. Smart producers can improve their sales pipeline by focusing on a segment of consumers who have a greater need for the product. One segment that has a greater need for life insurance products than, perhaps, any other is single parents. Read the article.

Aflac’s Recipe for Success featuring Paul Amos II in Advisor Today, March/April 2013

A commitment to understanding client needs and going the extra mile have produced major wins for this global giant. Read the article.

Why Voluntary Benefits Are Essential in Today’s Workplace by Ron Fields featured in California Broker, March 2013

Voluntary benefits are more necessary than ever in today’s workplace as the Affordable Care Act (ACA) has been enacted and health care costs continue to rise. Voluntary benefits may help employers solve a number of concerns and challenges that have surfaced during this time of health care financial insecurity, while also adding to brokers’ revenue stream. Read the article.

Activate Wellness Programs to Achieve Key Workforce, Bottom-Line Objectives by Audrey Boone Tillman featured in Corporate Wellness Magazine, March 2013

In today’s changing economic climate, companies are always looking for ways to balance financial responsibility and keeping employees happy in the workplace. Achieving employee satisfaction is one of the greatest challenges that managers face. Fortunately, many HR executives have discovered that company-sponsored wellness programs can help increase employee morale; while also lowering health care costs. Read the article.

Get Well Soon! Changes in U.S. Healthcare Environment Increase Need for Wellness Program by Ron Fields featured in Health Insurance Underwriter, March 2013

With the implementation of health care reform, many employers are struggling to control their company’s healthcare expenses, often passing more of the premium costs on to employees and increasing deductibles, copayments or out-of-pocket limits. At the same time, attracting and retaining a quality workforce continues to be a high priority for employers, as well as ensuring the health and productivity of their employees. Read the article.

Voluntary Insurance: Employee Benefit, Employer Solution by John Harmeling featured in QSRmagazine.com, February 2013

With health care reform under way, many restaurant operators are wondering how they will handle rising health care costs. Some franchisees of popular chains have publicly discussed options such as cutting staff and hours, initiating hiring freezes, or passing increased costs on to customers. Read the article.

The Hispanic market: A huge (and growing) opportunity by John Harmeling featured in LifeHealthPro.com, February 2013

With the U.S. economy still in recovery, life insurance agents and brokers are looking for ways to maximize their earning potential with new sources of revenue. One way for savvy agents to increase success during these difficult times is by reaching out to the U.S. Hispanic market. Read the article.

Selling to women: 2 trends to drive voluntary sales by Ron Fields featured in Life Insurance Selling, February 2013

When selling to women, many agents and brokers start conversations with a standard list of questions regarding marital status, children, income, financial goals, household expenses and other related topics. Read the article.

Voluntary critical illness insurance: A safety net for employees by John Harmeling featured in Life Insurance Selling, February 2013

No one is immune to life-altering and sudden health events, such as heart attacks, strokes or cancer. Fortunately, with modern medicine and technological advances, Americans are more likely than ever to survive a serious illness, but they may be left with spiraling health care costs, even with major medical insurance coverage. Read the article.

Aflac Is Different by Denis Storey, featured in Benefits Selling, January 2013

Aflac obviously needs no introduction. In fact, even if this magazine were in the hands of your clients, no background would be necessary. Say what you want about the company and its iconic water fowl, but they practically redefined insurance marketing. Read the article.

Health Care Reform Presents New Challenges and Opportunities for Brokers by Paul S. Amos II, featured in Broker World, January 2013

As the health care industry continues to undergo significant changes, producers are spending considerable time helping clients address new realities and shape more holistic benefits approaches. Comprehensive changes from the Patient Protection and Affordable Care Act (PPACA, also referred to as the ACA) mean clients are looking for smart, affordable solutions. Read the article.

A Year in Review: Lessons Learned in 2012 by SSC Adam Michaels-Los Angeles, featured in California Broker, January 2013

Many California producers have faced a strenuous road helping clients navigate benefit changes as a result of new health care law. This is a good time to take stock of lessons learned in 2012 and assess potential challenges and opportunities that await brokers in 2013. Read the article.

Retain Top-Tier Workers with Flexible Benefits by John Harmeling, featured in Construction Executive, December 2012

After several tough years of recession, forecasts put the construction industry on a slow upswing. Projected increases in commercial work should infuse communities with development projects and create more construction jobs than in past years. Read the article.

Voluntary Benefits: A Natural For P&C Producers by Dave Willis, featured in Rough Notes, December 2012

Economic changes and shifts in the employee benefits and health insurance arena are opening up opportunities for retail agents and brokers to incorporate voluntary insurance products into their portfolios. Read the article.

Aflac Keeps Duck’s Promise to Customers, Gaining Their Trust in Return by Cynthia Clark, featured in 1 to 1 Magazine, December 2012.

Insurance is a necessity for individuals, but many don't recognize its importance until they really need it. Michael W. Zuna, executive vice president and chief marketing and sales officer at Aflac, is committed to keeping Aflac’s promise to customers—to offer the products and services they need most. Read the article.

Design Benefits for a Diverse Workforce by Audrey Tillman, featured in Society for Human Resource Management, December 2012

When it comes to employee benefit options, one size does not fit all. The 2012 Aflac WorkForces Report uncovered distinct differences among employees of different age groups. As employers and HR benefits advisors design benefits programs to serve multiple generations, these findings may help them to better understand generational needs. Read the article.

While We’re Young by John Harmeling, featured in Best’s Review, December 2012

The untapped adult singles market is a potentially rich source for life insurance sales.
Read the article.

Aflac Sees ACA as Helping Voluntary Benefits Growth by Len Strazewski, featured in Rough Notes, November 2012

Though the national mandate for health insurance is expected to rock the group health insurance industry when it is fully implemented in 2014, voluntary benefits are likely to emerge unscathed. Paul Amos II, President & CEO, Aflac U.S., discusses the demand for voluntary benefits in any health care system. Read the article.

While We’re Young by John Harmeling, featured in Best’s Review, December 2012

The untapped adult singles market is a potentially rich source for life insurance sales.
Read the article.

Understanding Generational Differences to Offer Better Benefits by Todd Mason, featured
in California Broker, December 2012

Today’s workforce is diverse, not only in ethnicity and gender, but also in age. Brokers and
agents who understand how each generation views and values benefits can help HR leaders and managers focus on products that are most meaningful to their employees. Read the article.

Health Care Enrollment Time Tries Workers by Christine Dugas, featured in USA TODAY,
August 2012

Rising out-of-pocket costs, changing benefits help complicate choices. Read the article.

Rich With Promise by Ron Fields, featured in Best's Review, October 2012

Agents are under constant pressure to generate new leads and expand their books of business. One way to accomplish this is to focus on underserved emerging markets. Read the article.

Press Releases

Aflac is Consumers' Top-Choice for Voluntary Insurance

Aflac, the leading provider of voluntary insurance in the U.S., is the preferred brand among consumers who are likely to purchase supplemental products in the next 12 months according to recent data from marketing research firm Prince Market Research (PMR). The survey of 1,714 consumers, conducted by PMR on behalf of Aflac, also shows that 53 percent of consumers say that working for a company that offers supplemental insurance will be important to them post reform. Read the news release.

Aflac Survey Finds Nearly Half of Companies Offering Accident, Disability Insurance Experience Reductions in Workers' Compensation Claims

A new survey released by Aflac, the leading provider of voluntary insurance in the United States, found that 42 percent of all companies providing access to voluntary accident and disability insurance reported declines in their workers' compensation claims. Read the news release.

Aflac Introduces New Whole & Term Life Insurance Policies

Aflac, the leading provider of voluntary insurance in the United States, today announced two newly enhanced insurance plans: Aflac Whole Life and Aflac Term Life. Plan highlights include face amounts up to $500,000 and a guaranteed-issue option. These life insurance policies are designed to provide financial help to designated beneficiaries in the event of death of the insured. The cash benefits can be used for a variety of financial needs, including replacing lost income, funding a college education and paying for a mortgage or final expenses. Read the news release.

October 1 ACA Communication Deadline Looms - Are Employers Ready?

Only five days remain for employers to educate their workers about their health insurance options in order to comply with the federally mandated Oct. 1 communication deadline. To help business decision-makers meet this requirement, Aflac, the No. 1 provider of voluntary and guaranteed renewable insurance in the U.S. 1 , created the Health Care Reform Communication Toolkit featuring an array of customizable communications tools and resources that are offered at no charge to employers. Read the news release.

Workers Face Crucial Decisions During Open Enrollment, Yet Aflac Survey Finds Continued Confusion About Benefits Options

While open enrollment season is closing in, the knowledge gap is widening among workers and may result in inadequate or financially-risky benefits choices. According to the newly-released 2013 Open Enrollment Survey, seven-out-of-ten (71 percent) American workers already admit they only sometimes or rarely understand the changes to their policies each year, yet 90 percent elect the same coverage every year. The wide-ranging changes anticipated by employers this open enrollment season, and 37 percent of workers believing it will be more difficult to understand everything in their policy this year, point to a greater potential this year for enrollment decisions that will leave workers struggling to cover financially. Read the news release.

Aflac Updates Lump Sum Critical Illness Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, today announced that it has enhanced its Lump Sum Critical Illness insurance policy to offer more options such as guaranteed-issue, dependent child coverage and an HSA-compatible policy. The new plan pays cash benefits to help employees with costs associated with an unexpected health event that might not be covered by major medical insurance. These cash benefits can be used for medical treatment, living expenses and other out-of-pocket expenses for a covered critical illness event including heart attack, stroke, paralysis, coma, major human organ transplant and end-stage renal failure. Read the news release.

As October 1 Nears, 7 out of 10 Employers Have Yet to Communicate Employee Benefits Changes

Open enrollment in the new era of employee health benefits is almost upon us and employers may have a problem. Although the majority of employers indicate they are concerned health care reform may bring about challenges surrounding insurance coverage gaps and costs to employees, a large number of American workers remain unaware, confused and unprepared for looming changes to their benefits coverage. These are among the key findings from the 2013 Open Enrollment Survey, an online survey of 2,001 U.S. consumers conducted by Research Now in August 2013, and released today by Aflac, the No. 1 provider of supplemental and guaranteed-renewable insurance in the United States. Read the news release.

Aflac Launches Enhanced Health Care Reform Website for Employers

Health care reform is a puzzle to many U.S. employers and their employees. To help them better understand how to assemble the pieces, Aflac, the No. 1 provider of voluntary and guaranteed renewable insurance in the U.S. 1 , has enhanced its health care reform website with materials that explain the legislation in clear, easy-to-understand language. Read the news release.

2013 Aflac WorkForces Report for Brokers

America's insurance brokers have been shaken by wide-ranging changes to the nation's health care system and economic unrest, with 45 percent considering exiting the health insurance business altogether and 51 percent are only somewhat or not at all confident about the future of their firm and industry, according to the 2013 Aflac WorkForces Report for Brokers. Read the news release.

Aflac Launches Cancer Care Plan in New Jersey

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, introduced a new Cancer Care insurance plan in the state of New Jersey. If unprepared, a cancer diagnosis may trigger financial distress for employees and their families. The new Cancer Care policy offers four plan options to best fit employees' personal and financial needs. These plans pay cash benefits to policyholders diagnosed with cancer, including some blood disorders and melanoma. Read the news release.

Aflac New York Expands Statewide Coverage with New Cancer Care Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, today announced that it has launched a new Cancer Care plan in the state of New York that is intended to help policyholders cover out of pocket costs and expenses associated with cancer treatment. The American Cancer Society predicts there will be 108,760 new cases of cancer in New York in 2013 alone. 1 If unprepared, a cancer diagnosis may trigger financial distress for employees and their families. The Cancer Care plan pays cash benefits to policyholders diagnosed with cancer, including melanoma and some blood disorders. Read the news release.

Aflac Launches Enhanced Group Short-Term Disability Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, has introduced an enhanced group short-term disability insurance product. Aflac Group Disability Advantage provides benefits that help protect covered employees from loss of income resulting from accident or illness. Read the news release.

2013 Aflac WorkForces Report (AWR)

American workers are facing a sea of change when it comes to health care options. With rising health care costs and reform legislation, the traditional method of simply picking a comprehensive insurance plan from among a few options offered by an employer will soon be a thing of the past. But will consumers be prepared to take greater control, handle rising costs and make sound decisions? Not according to findings in the 2013 Aflac WorkForces Report (AWR). Read the news release.

Aflac's New Calculator Helps Show Real Cost of Accident and Illness

Aflac, the No. 1 provider of supplemental and guaranteed-renewable insurance in the United States, has launched the Real Cost Calculator, an innovative online tool that helps consumers understand the costs associated with common illnesses and injuries such as cancer, heart attack, fractured limbs and others. With health care costs on the rise, consumers may not be aware of the out-of-pocket medical and household costs they will face if they or a family member are injured or diagnosed with an illness, even if they have major medical insurance. Read the news release.

Aflac Introduces Hospital Advantage Policy

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, launched a new hospital confinement indemnity insurance policy designed to help with out-of-pocket costs resulting from an unexpected hospital stay or visit to the emergency room. With the average hospital stay in the United States now costing approximately $10,0001, Aflac's new hospital plan is a cost-effective benefits solution that helps workers pay for expenses that are not covered by major medical insurance. Read the news release.

Aflac Enhances Short-Term Disability Policy In California

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, announced that it now offers an enhanced short-term disability insurance policy in the state of California. The new supplemental insurance policy offers a guaranteed-issue option and increased benefits.Read the news release.

Aflac Expands Suite of New York Employer Insurance Offerings with Group Critical Illness Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, announced that it now offers its group Critical Illness (CI) insurance plan to employers in the state of New York. The new voluntary group plan complements Aflac’s recently introduced supplemental Hospital Indemnity and Accident plans in New York. Read the news release.

New Interactive Tools Help Consumers and Businesses Assess Protection Levels

Aflac, the No. 1 provider of supplemental and guaranteed-renewable insurance in the United States, has introduced two interactive, online tools that help businesses assess their current benefits programs and consumers to identify gaps in their insurance coverage. The Aflac Wellbeing Assessment Tool allows consumers to determine whether their existing insurance coverage provides adequate financial protection for anticipated and unexpected expenses and the Aflac Benefits Assessment Tool helps benefits decision-makers compare their benefits programs with national best-in-class offerings. Read the news release.

Aflac Broadens New York Employers' Insurance Options with Group Accident Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, announced it now offers its group accident insurance plan to employers in the state of New York. The new voluntary group plan follows the introduction of Aflac's group Hospital Indemnity plan in New York-giving employers an even wider range of insurance options and completing Aflac's existing roster of individual products. Read the news release.

Small Business Benefits Options Can Generate Year-Round Health Care Savings

As U.S. small business owners review their year-end business performance and set objectives for 2013, decision-makers should include an evaluation of how well existing benefits programs address top fiscal concerns. In fact, controlling health care costs is the most important human resources issue for small businesses, according to the 2012 Aflac WorkForces Report (AWR). Read the news release.

Aflac Launches Vision Now ®  Enhanced Vision Insurance Plan

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, today announced the launch of Aflac Vision Now. The new individual vision insurance plan will offer enhanced benefits with increased benefit payments for regular eye examination and vision correction procedures with no increase in premium. Read the news release.

American Workers Waste Months' Worth of Grocery Costs Due to Poor Benefits Choices

New research reveals that 56 percent of employees estimate they waste up to $750 because of mistakes made with insurance benefits elections, which could represent up to four months of an individual’s critical grocery budget. Read the news release.

Aflac Launches Group Hospital Indemnity Plan in New York

Aflac, the No. 1 provider of voluntary and guaranteed-renewable insurance in the United States, today announced that it now offers its group Hospital Indemnity (HI) insurance plan to employers in the state of New York. The new voluntary group benefit provides employers an even wider range of insurance options and complements Aflac's existing roster of individual products.
Read the news release.

Best and Brightest Looking to Pink-Slip Employers

Despite the uncertainty in the country’s current employment situation, many American workers who identify themselves as top performers are thinking about changing jobs. In line with research showing the recent uptick of voluntary quits in the workplace, the 2012 Aflac WorkForces Report revealed nearly half of U.S. workers (49 percent) are at least somewhat likely to look for a job this year. Read the news release.

Americans in Denial About Likelihood of Accidents and Serious Illnesses

Key findings from the 2012 Aflac WorkForces Report reveal many U.S. workers are unprepared to handle financial consequences of unexpected health issues. Read the news release.