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Aflac is here to help.

Aflac’s individual and group plans are designed to help give our customers peace of mind when life events occur. This year, with the COVID-19 virus and the uptick in H1N1 expected by the medical community, the CDC has provided guidance on its website. For that information, please visit If you are an Aflac customer and have questions about your coverage, please visit or and see the frequently asked questions below.

COVID-19 Questions

COVID-19 claims

  • Individual product claims. Register for self-service by visiting to file claims for COVID-19 individual products. Claims can also be filed through the guest user option that does not require a login.
  • Group product claims. These can be filed online at Alternative methods of submitting claims are fax and email.

If you anticipate having issues with being able to remit your premiums due to the circumstances surrounding COVID-19, please contact us via email or live chat at We’re committed to being there for you when you need us the most.

We continue to monitor state and federal declaration of emergency orders, and are absolutely committed to supporting these directives.

Frequently Asked Questions

Diagnosed with COVID-19, premiums and coverage, employees

I was diagnosed with COVID-19. Will I have to pay premiums during that time?
I am in the hospital with COVID-19. Will Aflac cover that?
I have COVID-19 and I am unable to work. I am not in the hospital, but I am in isolation at home. Will my Aflac short-term disability plan pay benefits?

COVID-19 testing and coverage questions

I need to be tested for COVID-19. Will Aflac cover that?
What if I’m unable to see a doctor in person so I use telemedicine? Will Aflac still cover me?
I haven’t tested positive for COVID-19. However, I have possibly been exposed to the virus. My doctor feels it is best that I remain in self-isolation or the government has put me under quarantine. Will Aflac pay benefits while I’m staying home?
I went to the doctor and have signs and symptoms consistent with COVID-19. I am unable to work and have notes from my doctor and my employer stating this. Will I be covered under the short-term disability plan?
If the local hospital is at full capacity and an insured is receiving treatment in a “makeshift” facility, will Aflac cover that?

* These numbers are for illustrative purposes and may vary by state.

This is a brief product overview only. Benefits may vary by state. The policy/certificate has limitations and exclusions that may affect benefits payable. Refer to the specified policy/certificate for complete details, benefits, limitations, and exclusions. The information contained in these FAQ’s does not alter or modify the insurance contract. Claims will be administered according to the applicable policy/certificate terms and conditions. Aflac herein means American Family Life Assurance Company of Columbus and/or American Family Life Assurance Company of New York and/or Continental American Insurance Company and/or Continental American Life Insurance Company. WWHQ | 1932 Wynnton Road | Columbus, GA 31999 Continental American Insurance Company | Columbia, SC