Help for those affected by recent natural disasters | Learn More

A message from Aflac

Ohio Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 19, 2018:

To help provide relief for Ohio policyholders and field force members in counties that have been declared disaster areas by the Ohio Department of Insurance, Aflac has enacted the following measures:

  • 60-day deferment of premium payments coming due, starting on regular premium due date.
  • At least a 60-day (longer, if reasonable) extension of policy provisions that impose a time limit on an insured/claimant to perform an act, including transmittal of information or funds to Aflac.
  • This order will be effective for any premium coming due, or any time limit on insured/claimant action, between February 19, 2018 and May 24, 2018. Any deferment of payment or extension of time limit is not to extend past May 24, 2018.

Indiana Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 15, 2018:

To help provide relief for Indiana policyholders and field force members in counties that have been declared disaster areas by the Indiana Department of Insurance, Aflac has enacted the following measures:

  • Provide a 60-day suspension of policy termination due to late payment in affected counties, and a case by case review in unnamed counties in Indiana
  • Provide a 60-day suspension of producer appointment cancellations due to producer failure to supply proof of renewal of license in affected counties, and a case by case review in unnamed counties in Indiana
  • 60-day suspensions would be enforced for terminations or cancellations falling between February 14, 2018 through May 1, 2018
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Post Enrollment

As you and your employees wrap up Benefits Enrollment (hooray!), where should you set your sights next? Here are some resources to help you continue to boost the success of your benefits program through the rest of the year.

How to know you had a

Successful Benefits Enrollment

You did it! The many hours of planning, meeting and processing that you put into this year’s Benefits Enrollment have paid off, and your employees are successfully enrolled in another year of valuable benefits — great job!

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Now that this year’s enrollment is behind you, it’s a good idea to pause and take stock of how the process went. This way, you can figure out what worked well — and what you could tweak so that next year’s Benefits Enrollment can be even better.

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Take a post enrollment survey

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The best way to measure the success of your Benefits Enrollment is to ask the people it affected most - your company's employees! By sending out a post enrollment survey while the process is fresh in people's minds, you'll get great insights that can be used to make improvements for next year.
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Reflect on the process

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Tips for managing benefits offerings over time

Over time, the needs of a small business and its employees change. As a result, benefits offerings may need to be adjusted accordingly. Follow these tips to help ensure your plan continues to provide maximum benefit to your valuable employees.

Read the Article

Tips for managing benefits offerings over time

Over time, the needs of a small business and its employees change. As a result, benefits offerings may need to be adjusted accordingly. Follow these tips to help ensure your plan continues to provide maximum benefit to your valuable employees.

Read the Article
Tip 1

Review your benefits offerings at least once per year.

Tip 2

Assess ever-changing traits of your business and employees.


Tip 3

Pay attention to annual reporting deadlines.

Tip 4

Stay up-to-date on benefits-related regulations that apply to businesses with more than 50 employees.


Before you wrap up:

Benefits Enrollment checklist

There are a few final, important steps that business owners or HR reps should take to make sure that Benefits Enrollment is truly wrapped up successfully.

  • 1.

    Carefully process employees' payroll deductions

    After the last enrollment has trickled in, it’s time to collect all that employee enrollment data and process payroll deductions based on this year’s elections — including whether they should be pre- or post-tax. It’s important to do this step carefully and on time so nobody experiences any lapse or disruption in their coverage.

  • 2.

    Receive, reconcile and pay carrier invoices.

    The next step is to receive and process invoices from carriers and reconcile them with the employee data you have on file. For instance, if the marketing director enrolled in coverage as “Bob” but his legal name is “Robert,” a skillful reconciliation will catch these kinds of discrepancies. Once you’ve reconciled those invoices, pay carriers on time and in full to ensure continuous coverage for everyone on your team. You may be just paying the bills, but to your employees you’ll be a health-insurance hero!

  • 3.

    Solicit post enrollment feedback from employees.

    Curious about how your employees felt about the Benefits Enrollment process? There’s a great way to find out — ask them! Yes, that means you’re going to need to send a few more Benefits Enrollment emails, but it’ll be worth it. Do a post-enrollment employee survey soon after enrollment, while it’s still fresh in their minds. Ask employees about how they felt about the process, whether they felt they were making informed decisions, and what challenges they may have faced. All this feedback is excellent fodder for making improvements next year.

  • 4.

    Continue the communication.

    Once Benefits Enrollment is really, truly complete, make sure employees get a clearly written statement of their elections for their own records. Keep it simple — use an automatically generated statement from your enrollment platform and personalize it by adding a short message like “Congratulations! Please see a summary of your benefit elections below. Let’s make it a great year!”

    You can also keep the communication about benefits going year-round with a quarterly email that shares something new about this year’s coverage. (Curious about what to share? We can help you with that!) Communicating the value of insurance benefits boosts morale and employee pride in their workplace, and helps remind them to make the most of the benefits they’ve selected. Plus, by the third quarterly email, it’ll be time to gear up for Benefits Enrollment again, so employees will be in the right frame of mind to have another successful enrollment season.

  • 5.

    Plan for next year.

    The last step to check off your list is to use this year’s Benefits Enrollment as a way to get ahead of the game next year. Grab the results from your post-enrollment employee survey, and take a little time to set yourself up for success in three areas:

    • Online Servicing

      Check out the platform used by employees to make enrollment decisions. If it’s a digital platform that tracks which employees had one-on-one meetings with your agent, such as Everwell, look at the percentage of employees who were seen, and see what you can do to increase that percentage next year. You can also learn a lot from seeing how many employees completed enrollment decisions, even if that decision was to decline.

    • Employee Communication

      Think back on this year’s Benefits Enrollment. Did all your employees receive the same level of communication, with the same message? Did they all have the same amount of time to complete the enrollment process? If not, consider how you could improve their experience next year.

    • Coverage and Solutions

      Looking at the coverage that employees selected, identify whether there were any products that received no or very few enrollees. If so, it’s worth thinking about whether low enrollment was due to the offering itself, or perhaps a lack of clear communication about it.

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