Help for those affected by recent natural disasters | Learn More

A message from Aflac

Ohio Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 19, 2018:

To help provide relief for Ohio policyholders and field force members in counties that have been declared disaster areas by the Ohio Department of Insurance, Aflac has enacted the following measures:

  • 60-day deferment of premium payments coming due, starting on regular premium due date.
  • At least a 60-day (longer, if reasonable) extension of policy provisions that impose a time limit on an insured/claimant to perform an act, including transmittal of information or funds to Aflac.
  • This order will be effective for any premium coming due, or any time limit on insured/claimant action, between February 19, 2018 and May 24, 2018. Any deferment of payment or extension of time limit is not to extend past May 24, 2018.

Indiana Consumers and Field Force members affected by severe storms and flooding beginning on Feb. 15, 2018:

To help provide relief for Indiana policyholders and field force members in counties that have been declared disaster areas by the Indiana Department of Insurance, Aflac has enacted the following measures:

  • Provide a 60-day suspension of policy termination due to late payment in affected counties, and a case by case review in unnamed counties in Indiana
  • Provide a 60-day suspension of producer appointment cancellations due to producer failure to supply proof of renewal of license in affected counties, and a case by case review in unnamed counties in Indiana
  • 60-day suspensions would be enforced for terminations or cancellations falling between February 14, 2018 through May 1, 2018
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Sample Plan Documents for current customers:

Current Sample Plan Document

Enter your Tax Identification Number and ZIP Code to download the most current Sample Plan Document in its entirety, along with your Plan Information Summary.

Note: If you have multiple plans using the same Tax Identification Number, please call your local Aflac agent to obtain your current Sample Plan Document packet.

If you do not have Adobe Reader, please download it here.

Special Enrollment Rights Expansion Sample Amendment

To download a sample amendment to incorporate the new special enrollment rights created by the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA), click here.

Recent legislation signed into law, the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA), creates new special enrollment rights for employees and dependents who lose coverage under a Medicaid or a State Children's Health Insurance Program under titles XIX and XXI of the Social Security Act. Although most cafeteria plan documents include HIPAA special enrollment rights under Code Section 9801(f), many plans likely do not allow for a 60-day election period. (As is the case with our sample cafeteria plan documents since past special enrollment rights had only a 30-day timeframe). Thus, a plan amendment would be necessary in order to reflect the provisions granted by the new law (CHIPRA).

The affect on cafeteria plans is quite minor compared to interaction with health plans, but action is needed nonetheless.