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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Business owners know the challenge of offering a strong benefits package to attract and retain the best employees, but that’s just one of the many issues they have to be concerned about to run successful companies with satisfied employees. More than 30 percent of the 1,800 employers surveyed for the 2017 Aflac WorkForces Report (AWR), an annual study about benefits trends and attitudes, told us their No. 1 business objective is staying competitive in today’s marketplace.1

For four years, employers have chosen their most important business objective from four options.

Offering voluntary insurance as a part of a comprehensive benefits package is one way employers can help address these top objectives.

Stay Competitive

Challenge: To succeed in today’s rapidly changing business world, business owners have to find new and inexpensive ways to stay competitive. In addition to the Aflac study results, third-party data points to the growing concern of employers to stay at the forefront of their fields. For example, KPMG found that 85 percent of CEOs are concerned about their competitors,2 and JP Morgan Chase found that 28 percent of executives listed U.S. competition as one of their three most significant challenges facing their business in 2017.3

How voluntary insurance can help: According to the Aflac study,1 38 percent of all business owners who offer voluntary insurance do so to remain competitive with other employers. After all, voluntary insurance is becoming increasingly important to employees – 81 percent of the 5,000 surveyed in the AWR see a growing need for voluntary insurance. Voluntary benefits options are a great way to provide employees with the benefits they want with little or no direct cost to the company.

Find the right talent

Challenge: 27 percent of employers said that finding the right amount and level of talent to achieve business goals was their most important business objective.1 Similarly, according to a study by Manpower Group, 40 percent of employers are having difficulty filling jobs, with 19 percent blaming lack of technical job skills.4

How voluntary insurance can help: Offering benefits above and beyond the bare minimum will help with attracting and keeping great employees. Consider this:1

  • 58 percent of employees are at least somewhat likely to accept a job offer that included a slightly lower compensation but a more robust benefits package.
  • 39 percent of employees said one thing employers could do to keep them in their jobs is improve their benefits package.

Control Costs

Challenge: Health care costs continue to rise, affecting how employers offer benefits to their workforce, including more offerings of lower-value plans than in past years. The value of benefits is changing, but both the Aflac study and third-party research show that employers aren’t giving up on benefits completely. To control costs, companies are making changes to their benefits programs. In 2016, 27 percent of employers increased employees’ copays and 26 percent increased employees’ share of the premium.1

How voluntary insurance can help: Voluntary policies can be offered at no direct cost to the employer and provide cash directly to the policyholder* for costs that may not be covered by major medical insurance. And offering a robust benefits package that includes voluntary policies helps retain a talented, productive workforce, saving employers the recruiting and training costs associated with turnover.

Manage Productivity

Challenge: Managing worker productivity is important to business owners. It’s hard for employees to be productive at work if they are distracted due to financial stress from personal or health issues. A study by the American Psychological Association shows that 72 percent of Americans reported feeling stressed about money at least some of the time during the past month.5 Employees are dealing with serious financial realities that can affect their productivity at work:1

  • 65 percent have less than $1,000 to pay for out-of-pocket expenses if an unexpected serious illness or accident occurred today.
  • 22 percent have had difficulty paying medical bills due to the high costs.
  • 33 percent have avoided going to the doctor due to high medical costs.

How voluntary insurance can help: Providing voluntary benefits options offers a layer of protection for employees when they’re sick or injured – regardless of their major medical insurance coverage. These benefits help provide employees with a financial safety net for unexpected medical expenses, helping give them peace of mind to focus on the tasks at hand.

*Unless otherwise assigned.

This article is for informational purposes only and is not intended to be a solicitation.

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