For existing account servicing call: 800.992.3522

Business Hours

Monday thru Friday . 8:00 AM - 5:00 PM EST

Request a Quote
Provide the following information about your company.

Learn about individual policies.
For companies with fewer than three employees, please check out our individual and family coverage. Learn more.

I'm Interested in:

All fields are required.

*Indicates required field

By hitting submit, I agree to receive autodialed calls from Aflac, an independent contractor Aflac associate, and Sutherland Global Services working at Aflac’s request, at the number provided. Message and data rates may apply. I understand I am not required to provide my consent as a condition of accessing Aflac’s website or purchasing Aflac’s products.

Thank You!

An Aflac representative will contact you.

Your confirmation number is .

If you have any questions regarding your request, contact us at addbenefits@aflac.com

Please provide your confirmation number listed above for reference.


The economy is showing signs of recovery, but increased financial pressure on employees shows little sign of letting up – particularly when it comes to health care benefits. As businesses work to shore up their bottom lines and strengthen themselves for the future, many are increasing health insurance deductibles and co-payments. In some cases, they’re eliminating benefits altogether.

All of these changes to health care plans and payments have left workers nervous and concerned that their families might end up underinsured and under-protected. Savvy employers are responding to those worries by sweetening their health care benefits plans.

In addition to providing major medical coverage, they’re also providing access to voluntary insurance policies, which can be customized to fit workers’ individual needs and incomes. This means employees can select the options that best fit their lifestyles and household budgets. At the same time, because voluntary insurance premiums are employee-paid, companies can control their costs while knowing they’ve done right by their workers.

“But wait,” you might be saying. “How do we know our employees are interested in voluntary health care plans? And, if they are, how do these plans benefit our company?”

Each year, Aflac conducts the Aflac WorkForces Report (AWR), which is a survey designed to gauge employer and employee opinions about health care issues and coverage.1 As part of our 2014 survey, we asked 5,209 workers to share their thoughts about voluntary health care insurance. Fully 52 percent said they’d be interested in voluntary coverage if their employers made it available. Driving that interest, of course, is the financial uncertainty mentioned earlier. Aflac also asked workers about their financial situations, and here’s what we found:

  • 49 percent have less than $1,000 on hand to pay out-of-pocket medical expenses, and 27 percent have less than $500.
  • In the event of a medical emergency, 53 percent would need to borrow from a 401(K) and/or use a credit card to pay the resulting expenses.

It’s no wonder, then, that workers are feeling somewhat panicky – many have no financial safety nets, so they’re attracted to voluntary insurance that pays policyholders directly and covers unexpected costs stemming from illness, injury and even death.

If you’re looking for additional reasons to add to employees’ health benefits options, there are many. The recession has placed a heavy burden on not only workers who’ve lost their jobs, but also those left behind to shoulder heavier workloads. Worker discontent is rampant, as evidenced by a Korn Ferry survey revealing that 57 percent of workers plan to look for new jobs in 2015.2

As the job market improves, companies should be looking for ways to combat turnover, not to mention ways to attract the best and brightest new workers. Making health care offerings part of retention and acquisition efforts is often overlooked, but these benefits can go a long way toward increasing worker satisfaction and productivity.

The bottom line: Employers risk losing workers to competitors if they don’t offer flexible and robust benefits plans that meet workers’ needs. What’s more, they also diminish their chances of luring talented new employees to their workforces.