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Better together: Why you may need a rider on your insurance policy

Your life or health insurance journey isn’t over once you’ve applied for basic coverage – it continues as you select the optional riders that customize your experience. An insurance rider can help make all the difference in the overall value of your coverage. But what are riders and how do they work? Find out by reading more.

Voluntary insurance: Go with the group or go it alone?

Most employer-paid health insurance benefits, including major medical coverage, fall into “the more the merrier” category, with employees enrolling in group plans. But when it comes to voluntary coverage, both group and individual plans have distinct advantages, and employers can choose to provide workers with access to one or the other – or even both. What are the differences and similarities between group and individual plans – and which should employers make available to workers? Find out by reading more.

Small companies, big problems

A recent survey by the National Federation of Independent Business revealed that leaders of small companies have a lot on their minds. Among those concerns are the economic outlook, burdensome regulations and tax reform. But sitting squarely at No. 1 for the 29th consecutive year – just short of three decades – is rising health care costs. This echoes the results of the 2014 Aflac WorkForces Report, which revealed that controlling health care costs is the primary objective of 49 percent of employers. One solution? Voluntary insurance.

Change the focus when talking benefits with millennial workers

Contrary to rumor, today’s youngest workers aren’t lacking in motivation. They’ve simply come of age in a time of economic strife. Businesses must make the effort to adjust and adapt to the millennial mindset – after all, this independent-minded generation currently makes up 36 percent of the workforce. Companies that have long focused on the wants and needs of baby boomers should now turn their attention to younger workers who have very different ideas and expectations.

Roadblocks to fast claims processing

Our infographic outlines tips to get your voluntary insurance claim processed quickly.

Voluntary insurance benefits help manage costs of cancer

Cancer affects millions of Americans nationwide. For many – including those with major medical insurance – the diagnosis comes with potentially devastating financial burdens. Voluntary cancer insurance can be an important tool for consumers combating the high costs of cancer treatment. Learn more about voluntary cancer insurance, including what it is and how it can help cover costs that aren’t covered by major medical plans.

Accident insurance helps provide a financial safety net

Accidents happen – that’s why they’re called accidents. Sometimes they’re serious enough to warrant medical attention. While major medical insurance may pay some accident-related costs, there are often out-of-pocket bills to pay. From leftover medical expenses to a temporary loss of income, accident insurance can help.

Short-term disability insurance is a key component of workers’ financial plans

Most workers underestimate not only their risk of experiencing a disability but also how financially devastating the related costs can be. Voluntary disability insurance plays a key role in financial planning and safeguarding their financial futures.

Critical illness insurance helps employees concentrate on recovery

Advances in medicine mean people today live longer lives, even if they suffer from critical illnesses. Naturally, living longer with a critical illness means paying more treatment-related costs – a possibility that has many Americans concerned. From medical expenses to household bills, critical illness insurance can help.

Hospital indemnity insurance helps take the sting out of hospital bills

Many Americans like to downplay the odds they’ll be hospitalized due to injury or illness – but the reality is that hospital inpatient care accounts for nearly one-third of U.S. health care costs. Most Americans will be hospitalized at one time or another, a fact that’s driving a growing need for voluntary hospital indemnity insurance. Learn more about hospital indemnity insurance, including what it is and how it can help cover costs major medical doesn’t pay.

7 tips for getting your insurance claim paid quickly

When you applied for voluntary insurance coverage through your workplace, you probably never really imagined using it. But here you are in the hospital and it doesn’t look like you’ll return to work any time soon. Now that the unthinkable has happened, what comes next? If you’re like most people, you’ll start fretting about finances. Suddenly you remember: You signed up for insurance at work that was supposed to help in situations just like this one.

Voluntary 101 Guide for Businesses

Voluntary insurance plans help people protect their financial well-being in the event of a serious accident or illness. Get an overview on products, out-of-pocket costs and see why employees need these policies.

Voluntary 101 Guide for Consumers

Voluntary insurance offers the workforce a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury or illness. This booklet addresses commonly asked questions regarding the relevance of voluntary insurance, as well as who needs these policies, what is covered in them and a quick look at four popular policies.

What is voluntary insurance – and why do employees need it?

Voluntary insurance offers the workforce a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury or illness. This booklet addresses commonly asked questions regarding the relevance of voluntary insurance, as well as who needs these policies, what is covered in them and a quick look at four popular policies.

Lower your operational costs

Anecdotal evidence has long suggested that companies offering voluntary accident and disability insurance policies experience lower workers’ compensation claims. A new Aflac survey of 945 benefits decision-makers confirms that making such coverage available to employees is a smart move for protecting your bottom line.

3 powerful reasons for businesses to embrace a good cause

Who doesn’t love a cheerful giver? Embracing a good cause can have a powerful impact on society and a positive impact on a company’s bottom line, allowing your company to make a sustainable difference.