Help for those affected by the hurricanes | Learn More

A message from Aflac

To our policyholders in areas affected by the recent hurricanes, 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 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. 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.


For existing account servicing call: 800.992.3522

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Make sure employees aren’t living in the age of benefits past

There’s an old adage that says living in the past will kill your future. It’s true of life – and it’s also true when it comes to workplace benefits. As an employer, you should encourage your employees to regularly review their benefits selections to ensure they’re right for their lives today, not for yesterday.

Here are five reasons employees should take stock of their current benefits and consider making changes:

  1. Marriage, divorce or widowhood: When it comes to benefits, it’s easy to select them and forget them. As life goes on, benefit changes are not just important, but necessary. For a change in marital status, it’s key to make updates to health care coverage by either adding a spouse to a policy or removing one. After all, no one wants to leave a new spouse without critical health care benefits or pay for coverage that’s no longer needed. Employees also need to make updates to life insurance policies and 401(k) plans to ensure their beneficiary elections are in order. Remember to communicate about the window for making benefits changes when a major life event takes place. Some employees mistakenly believe they can’t make updates until open enrollment comes around.
  2. Birth or adoption of a child: Again, it’s critical for employees to make sure every family member has appropriate health care coverage. Children can be expensive – and one expense is increased medical costs for doctor visits, whether they’re routine or the result of injuries or illnesses. Again, employees should know your company’s rules about making changes to their benefits plans in the event of a major life change.
  3. Pull Quote: Employees should regularly regularly review their 401(k) balances and consider increasing their contributions as their careers advance. After all, moving ahead at work usually means a salary increase.Career advancement: If your company offers a 401(k) plan or another option for setting aside funds for retirement, employees should regularly review their balances and consider increasing their contributions as their careers advance. After all, moving ahead at work usually means a salary increase. Putting aside additional funds for retirement will help ensure an employee doesn’t have to downgrade his or her post-career standard of living instead of enjoying the spoils of a successful career.
  4. Purchase of a new home: For many people, the purchase of a new home is a sign of success. It’s a place to build a life, start a family and escape from the outside world. For most people, a home is the most expensive purchase they’ll ever make, as well as their biggest monthly expense. Employees with families should view the purchase of a new home as a time to review their life insurance coverage. If something should happen to them, they’ll want to ensure that their loved ones have the funds to remain in their home and maintain their standard of living. Increasing their life insurance benefits is an easy and usually inexpensive way to do so. Purchasing a home is a big deal, so encourage employees to make changes at open enrollment.
  5. Approaching retirement: As retirement draws near, the time for recovering from a major stock market slump or bad financial decision grows ever smaller. Soon-to-be retirees should keep that in mind as they monitor their 401(k) and other investment balances. They should consider moving their investments to vehicles that carry less risk, are more conservative and are less subject to fluctuation. This will ensure fluctuations in the stock or bond markets don’t create a parallel dramatic drop in retirement savings.

The employer review

Just as it’s critical for employees to regularly review their benefits choices, it’s important for companies to review the options they make available. For example, the 2016 Aflac WorkForces Report1 revealed that 79 percent of employees say the need for voluntary insurance today is greater than in years past. Their reasons?

  • 60 percent said rising medical-services costs.
  • 51 percent cited increasing medical insurance premiums.
  • 49 percent said increasing deductibles and copayments.
  • 40 percent said because employers have reduced their benefits and/or coverage.
  • And 39 percent pointed to health care reform.

The addition of voluntary products to your company’s benefits offerings is a win for employees and for your organization. Employees can supplement their major medical coverage with the voluntary choices that meet their needs and budgets – and because premiums can be paid by employees who elect to enroll, adding voluntary options has no direct effect on companies’ bottom lines.

As your business prepares for open enrollment, consider adding voluntary insurance options and other benefits that are well-suited to the workforce of today, not those of the yesterday.