Help for those affected by recent natural disasters | Learn More

A message from Aflac

To our policyholders in areas affected by wildfires in designated California counties: Butte, Lake, Mendocino, Napa, Nevada, Orange, Solano, Sonoma, and Yuba, as well as those in areas affected by recent hurricanes in Puerto Rico and the Virgin Islands, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas, including those under emergency order, to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas or are under emergency order. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.

Un mensaje de parte de Aflac

A nuestros asegurados en las áreas afectadas por los recientes huracanes, queremos que sepan que todos en Aflac estamos pensando en, y orando por, ustedes. Estamos trabajando con agencias del gobierno que representan todas las áreas declaradas como zonas de desastre, para asegurarnos de hacer todo lo posible para ayudarles. Basándonos en su consejo, hemos extendido por 60 días las fechas de vencimiento de las primas de las pólizas de aquellos que viven en áreas declaradas como zonas de desastre. Si tiene una pregunta sobre su póliza o necesita ayuda, contáctenos al 800-992-3522. Para ayudar con la recuperación, Aflac ha donado $500,000 a la Cruz Roja Americana y nuestros empleados están efectuando sus propias donaciones. Por favor cuídense, ya que su bienestar y el de sus familias está por encima de todo.

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Talking benefits with millennial workers? Change the story by stressing financial independence

Has there ever been an era without a generation gap? Probably not: Each generation of workers laments the lack of initiative and work ethic of the following – and they put an exclamation point on it with tales of life before cellphones and computers, walking long distances to school or delivering newspapers before the crack of dawn.

The truth is that most of today’s young workers – members of the millennial generation – aren’t lacking in motivation. They’ve simply come of age in a time of economic strife. Millennials have learned from experience that it’s not always easy to find a job, let alone the “right” job. What’s more, seeing their hard-working parents laid off by companies that are cost cutting and downsizing has led to a not-so-surprising distrust of employers.

Businesses must make an effort to adjust and adapt to the millennial mindset. After all, by 2020, 1 in 3 adult Americans will be members of the millennial generation, and millennials will comprise 75 percent of the workforce by 2025.1 Put simply, companies that have long focused on the wants and needs of baby boomers and Gen Xers must turn their attention to younger workers, who have very different mindsets and expectations.

It's all about flexibility

Here’s one way millennials differ from their parents: Salary is not nearly as important as job satisfaction. In fact, 64 percent of millennials would rather make $40,000 per year at a job they love than $100,000 at a job they think is boring.1

Still, despite their seeming disinterest in money making, millennials’ lives are often clouded by financial responsibilities. According to a Wells Fargo survey, 40 percent describe their debt as overwhelming, compared to 23 percent of baby boomers.2

Given that so many millennials are in financially precarious situations and yet are willing to forego high salaries in favor of contentment, it makes sense that employee benefits are critical to this independent generation. Unfortunately, many employers and advisors aim wide of the mark when coaching them about benefits strategies. Much of the communication focuses on setting aside funds for retirement, which is a key issue for baby boomers. However, millennials are less interested in planning for tomorrow’s retirement than in achieving financial independence today: According to a recent report, financial independence is the top priority for 39 percent of millennials.3

The benefits equation

Instead of focusing on retirement benefits when working with millennials, companies would be wise to turn the spotlight on health insurance options. The 2017 Aflac WorkForces Report revealed that millennials have high expectations in that regard:

According to the WorkForces Report, strong health care benefits are critical to millennials’ satisfaction, engagement and willingness to remain in a job: 40 percent say improving their benefits package is one thing their employers could do to keep them in place. The answer was second only to “increase my salary.”

What’s more, 65 percent of millennials would be at least somewhat likely to accept a job offer with slightly lower compensation but better benefits.

They report their benefits package offerings are extremely or very important to:

What millennials should know about voluntary insurance

When communicating about voluntary health insurance benefits, employers should keep their younger workers’ tenuous financial circumstances and eagerness for financial independence in mind. That’s because millennials might be the generation least equipped to cope with the out-of-pocket expenses that accompany an unexpected accident or illness. The 2017 Aflac WorkForces Report found that despite their intentions to save, 70 percent of millennials have less than $1,000 on hand to pay out-of-pocket medical expenses and 39 percent have less than $500.

For this reason, voluntary insurance is something most millennials can’t afford to go without. When communicating with younger workers about benefits, employers should stress that a serious accident or illness might not only endanger their present financial security; it might endanger their long-term goals for financial independence.

Aflac herein means American Family Life Assurance Company of Columbus and American Family Life Assurance Company of New York.

The 2017 Aflac WorkForces Report is the seventh annual study examining benefits trends and attitudes. The study’s surveys, conducted by Lightspeed GMI, captured responses from 1,800 benefits decision-makers and 5,000 employees across the United States in various industries. For more information, visit AflacWorkForcesReport.com. This piece is for informational purposes only and is not intended to be a solicitation.