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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Advances in medicine mean people today live longer lives, even if they suffer from critical illnesses. Naturally, living longer with a critical illness may mean paying more treatment related costs – a possibility that has many Americans concerned. According to a Sun Life Financial study, many workers fear the financial impact of a critical illness even more than dying from one.1

What is Critical Illness Insurance?

As a benefits decision-maker, you understand the importance of critical illness coverage. And while most workers are well-versed about the need for major medical, home and vehicle insurance, many don’t know that critical illness coverage exists. Voluntary critical illness insurance is a way for employees to help themselves stay ahead of the medical and out-of-pocket expenses that can accompany certain medical events. For example, many lump-sum critical illness policies pay benefits when an individual experiences a covered event such as:

Heart Logo

  • A heart attack
  • A stroke
  • A major human organ transplant
  • End-stage renal failure
  • A coma
  • Paralysis

Why Consider Critical Illness Insurance?

Critical illness coverage helps provide protection from the financial impact of certain catastrophic health events. Receiving a lump-sum benefits payment can help policyholders worry less about how to pay illness-related expenses and concentrate more on recovery.

With new statistics and projections about the likelihood of suffering from a critical illness, there has never been a better time to offer voluntary insurance at the work site. As employers evaluate, choose and communicate their benefits offerings to employees, it is important they convey the potential financial impact of being diagnosed with a critical illness.

Credit card to cover out pocket expensesThe 2017 Aflac WorkForces Report survey revealed that health care costs have a long-lasting effect on American workers’ creditworthiness. Over half of participating employees said medical costs are affecting their credit scores, keeping them from paying other bills and thwarting their efforts to save for retirement or a rainy day. The survey revealed that 65 percent of American workers have less than $1,000 on hand to pay out-of-pocket expenses associated with an unexpected serious illness or accident. What’s more, 53 percent would borrow from a 401(k) and/or use a credit card to cover out-of-pocket expenses if they or a family member experienced an unexpected serious illness or accident.2

Chart describes paying medical billsThe Aflac report’s findings are echoed by those of the Kaiser Family Foundation, which found that one-quarter (26 percent) of U.S. adults ages 18-64 say they or someone in their household had problems paying or an inability to pay medical bills in the past 12 months. The study also found that among all people with household medical bill problems, more than 62 percent say the person who incurred the bills was covered by health insurance.3

How can critical illness insurance benefit employers?

In addition to playing havoc with employees’ finances, the high price tag of critical illness affects companies’ bottom lines. The financial distress suffered by workers can lead to absenteeism, on-the-job distraction and a general sense of anxiety that is difficult to leave at the door.

Dollor SymbolWhen working with a broker or insurance advisor to strengthen their organizations’ benefits offerings, human resources experts should ask for information about how critical illness insurance fits into the picture. In general, critical illness policies work side by side with major medical plans by offering cash benefits that can be used to help with deductibles, copayments and other out-of-pocket medical costs. Because cash benefits can be used as policyholders see fit, they can also be used to help with household expenses, including the rent or mortgage, utilities, credit card debt and any other bill.