Notifications from Aflac

Notifications from Aflac

To provide relief for New Mexico policy/certificate holders residing in Lincoln County and the Mescalero Apache Reservation and affected by the wildfires, Aflac will provide the following protections for policy/certificate holders:

  • Provide an extended premium grace period from Tuesday, June 17, 2024, through Monday, Dec. 2, 2024.
  • Postpone cancelations and non-renewals from Tuesday, June 17, 2024, through Monday, Dec. 2, 2024.
  • Offer a payment plan of at least six (6) months if unable to pay the delinquency after the extended grace period. This applies to all coverages except life. The policy/certificate holder should contact Aflac to make arrangement for repayment.
  • Waive late fees and penalties.
  • Provide an extension of filing deadlines for claims and leniency for any other action required under the policy/certificate.
  • Allow additional time for actions required under the policy/certificate and the submission of documents due to limited access to service and mobility.
  • Provide a copy of the policy/certificate to the policyholder/certificate holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers:

  • Waive referrals and prior authorization requirements for use of out-of-network providers for medically necessary services, whether emergent or not.
  • Waive cost-sharing and deductibles through Monday, Dec. 2, 2024.
  • Permit one eyeglass or contact lens replacement and one hearing aid replacement during the pendency of this Order, waiving frequency limitations.
  • Permit one replacement for dentures or other prosthodontic devices during the pendency of this Order, waiving frequency limits.
  • Extend medical providers’ reporting requirements for claims submissions and for additional information relating to claims through Monday, Dec. 2, 2024.

Affected members should contact Aflac Benefits Solutions at 855-819-1873, option 1, for assistance.


To help provide relief for Oregon policyholders residing in the state that have been affected by the wildfires, Aflac will provide a premium grace period starting July 12, 2024, and ending Nov. 11, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


 

To help provide relief for California policyholders residing in Los Angeles, Orange, Riverside, and San Bernardino counties affected by wildfires, Aflac will provide a premium grace period starting Sept. 5, 2024, and ending Nov. 11, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for California policyholders residing in Lake County affected by wildfires, Aflac will provide a premium grace period starting Sept. 8, 2024, and ending Dec. 2, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for Tennessee policyholders Aflac will provide a premium grace period starting Sept. 26, 2024, and ending Nov. 25, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. As further protection, insurance professionals licensed in other states, but not holding Tennessee licenses will be permitted to assist Aflac policyholders. Agents must contact Tennessee Department of Insurance for permission on a case-by-case basis for this accommodation. Aflac will provide a replacement copy of the policy upon request by the policyholder.


To help provide relief for North Carolina policyholders Aflac will provide a premium grace period starting Sept. 27, 2024, and ending Nov. 26, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for Florida policyholders Aflac will provide a premium grace period starting Sept. 26, 2024, and ending Nov. 26, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for Georgia policyholders Aflac will provide a premium grace period starting Sept. 24, 2024, and ending Nov. 25, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for South Carolina policyholders Aflac will provide a premium grace period starting Sept. 25, 2024, and ending Nov. 25, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for Florida policyholders Aflac will provide a premium grace period starting Oct. 5, 2024, and ending Dec. 10, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To provide relief for New Mexico policy/certificate holders residing in Chavez County and affected by the severe flooding, Aflac will provide the following protections for policy/certificate holders:

  • Provide an extended premium grace period from Saturday, Oct. 19, 2024, through Tuesday, Feb. 18, 2025.
  • Postpone cancelations and non-renewals from Saturday, Oct. 19, 2024, through Tuesday, Feb. 18, 2025.
  • Offer a payment plan of at least six (6) months if unable to pay the delinquency after the extended grace period. This applies to all coverages except life. The policy/certificate holder should contact Aflac to make arrangement for repayment.
  • Waive late fees and penalties.
  • Provide an extension of filing deadlines for claims and leniency for any other action required under the policy/certificate.
  • Allow additional time for actions required under the policy/certificate and the submission of documents due to limited access to service and mobility.
  • Provide a copy of the policy/certificate to the policyholder/certificate holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide the following protections for Network Dental and Vision members and providers:

  • Waive referrals and prior authorization requirements for use of out-of-network providers for medically necessary services, whether emergent or not.
  • Waive cost-sharing and deductibles through Tuesday, Feb. 18, 2025.
  • Permit one eyeglass or contact lens replacement and one hearing aid replacement during the pendency of this Order, waiving frequency limitations.
  • Permit one replacement for dentures or other prosthodontic devices during the pendency of this Order, waiving frequency limits.
  • Extend medical providers’ reporting requirements for claims submissions and for additional information relating to claims through Tuesday, Feb. 18, 2025.

Affected members should contact Aflac Benefits Solutions at 855-819-1873, option 1, for assistance.


To help provide relief for California policyholders residing in Siskiyou County affected by wildfires, Aflac will provide a premium grace period starting July 3, 2024, and ending Dec. 31, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for California policyholders residing in Sierra County affected by wildfires, Aflac will provide a premium grace period starting Sept. 2, 2024, and ending Dec. 31, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for California policyholders residing in Ventura County affected by wildfires, Aflac will provide a premium grace period starting Nov. 6, 2024, and ending Jan. 07, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


To help provide relief for North Carolina policyholders, Aflac will provide a premium grace period starting Sept. 27, 2024, and ending Dec. 31, 2024. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.

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Press Releases

La retención de la fuerza laboral está en riesgo mientras que los empleadores luchan contra el desgaste profesional de los empleados

Informe de Aflac sobre la Fuerza Laboral de 2023-2024 revela una tendencia de desgaste profesional alarmante: el 66 % de los trabajadores hispanos no puede pasar un mes sin un cheque de sueldo

COLUMBUS, Ga., 10 de enero de 2024 /PRNewswire-HISPANIC PR WIRE/-- Aflac Incorporated, proveedor líder de productos y seguros médicos suplementarios en los EE. UU., ha publicado su 13.º Informe anual de Aflac sobre la Fuerza Laboral, el cual destaca problemas críticos de desgaste profesional y desafíos financieros que afectan el lugar de trabajo estadounidense. El informe revela que los empleadores de diversas industrias y regiones de los EE. UU. luchan para atender las necesidades de beneficios de atención médica que ponen en riesgo la satisfacción profesional, el bienestar y la retención de los empleados.

El Informe de Aflac sobre la Fuerza Laboral de 2023-2024 hace un seguimiento a la situación del lugar de trabajo estadounidense, capturando tendencias, actitudes, necesidades y experiencias en la atención médica y la administración de beneficios entre empleados y empleadores. En particular, proporciona información esencial sobre la comunidad hispana.

Desgaste profesional entre trabajadores hispanos

La encuesta representativa a nivel nacional subraya las inquietudes de los empleados sobre la salud mental, destacando una alarmante tendencia de desgaste profesional entre los trabajadores hispanos, con un asombroso 66 % de trabajadores hispanos que informan que no pueden pasar más de un mes sin un cheque de sueldo. Por el contrario, esta cifra representa el 51 % de los trabajadores no hispanos.

Sistemas de apoyo para gastos por servicios médicos inesperados

Los trabajadores hispanos demuestran una mayor dependencia de los sistemas de apoyo cuando se enfrentan a costos médicos imprevistos. Un considerable 29 % recurre a familiares o amigos para obtener asistencia, en contraposición con el 24 % de los trabajadores no hispanos, y el 26 % busca empleo adicional para complementar sus ingresos, un aumento significativo en comparación con el 18 % de los trabajadores no hispanos. Esta mayor dependencia de los sistemas de apoyo es una respuesta a la alarmante realidad de que el 54 % de los empleados hispanos reporta altos niveles de ansiedad por los costos de atención médica que superan su cobertura de seguro, lo cual enfatiza la necesidad urgente de soluciones accesibles.

Resiliencia financiera en la comunidad hispana

Los trabajadores hispanos tienen menos probabilidades que sus contrapartes no hispanas de poder retirar dinero de una cuenta de cheques o de ahorros para cubrir gastos por servicios médicos inesperados (43 % frente al 53 %). Además, el 57% de los trabajadores hispanos no puede pagar $1,000 en gastos de su bolsillo en comparación con el 50 % de todos los empleados encuestados.

"Nuestro compromiso con la comunidad hispana va más allá de cerrar brechas y superar las barreras lingüísticas. Se trata de empoderar a las personas para que se hagan cargo de su salud, y esto incluye abordar las estadísticas alarmantes reveladas en el Informe de Aflac sobre la fuerza laboral", expresó Ines Rodríguez Gutzmer, vicepresidenta senior de Aflac. "Nos proponemos difundir el importante mensaje sobre los exámenes regulares y de detección temprana, los pilares de una comunidad próspera y saludable, y a crear conciencia sobre los recursos disponibles que pueden ayudar a proteger las finanzas personales en el momento en que deben enfocarse en su bienestar".

El seguro suplementario ayuda a proporcionar seguridad financiera e impulsa el reclutamiento y la retención

Los beneficios suplementarios que ayudan a abordar directamente la ansiedad de los empleados sobre el futuro pueden ser una solución determinante. Según la encuesta, más de la mitad de todos los empleados expresa un alto grado de interés en adquirir un seguro médico suplementario que ayude a cubrir enfermedades o afecciones graves, si tienen antecedentes familiares. Este interés es mayor entre los trabajadores hispanos (62 %), en comparación con sus contrapartes no hispanas (50 %).

El Informe de Aflac sobre la Fuerza Laboral de 2023-2024 resalta el importante papel que desempeñan los programas de beneficios en el bienestar y la satisfacción de los empleados. Por ejemplo, el seguro suplementario sigue siendo un componente central de un paquete integral de beneficios.

Según la encuesta, la mayoría de los empleados hispanos (90 %) que tienen seguro suplementario dicen que esos beneficios proporcionan un nivel adicional de seguridad financiera, pero solo el 39 % de los empleadores indica que ofrece opciones de seguro suplementario a sus empleados. De los empleadores que ofrecen seguro suplementario a sus empleados, el 80 % cree que estos beneficios ayudan con el reclutamiento y el 82 % dice que ayudan con la retención.

Los hallazgos adicionales de la encuesta, la información demográfica, las tendencias en el lugar de trabajo y más detalles se pueden encontrar en el Informe de Aflac sobre la fuerza laboral de 2023-2024 en Aflac.com/AWR. Para obtener más información sobre el compromiso continuo de Aflac con la comunidad hispana, visite Aflac.com/Español.

INFORME DE AFLAC SOBRE LA FUERZA LABORAL DE 2023-2024
El Informe de Aflac sobre la Fuerza Laboral de 2023-2024, realizado por Kantar a nombre de Aflac, es el 13.º estudio anual que examina las tendencias en los beneficios, las actitudes y el uso de los beneficios de los empleados en la fuerza laboral de los EE. UU. en diversas industrias y tamaños de empresas. La encuesta del empleador se realizó en línea del 2 al 25 de junio de 2023, y la encuesta del empleado se realizó en línea del 2 al 27 de junio de 2023. A lo largo de este informe, es posible que algunos porcentajes no sumen el 100% debido al redondeo de algunas respuestas. Las encuestas capturaron respuestas de 1,201 empleadores y 2,000 empleados en todo Estados Unidos. Para obtener más información, visite Aflac.com/AWR.

ACERCA DE AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), una empresa incluida en la lista Fortune 500, ha ayudado a proporcionar protección financiera y tranquilidad durante más de 68 años a millones de asegurados y clientes a través de sus subsidiarias en Estados Unidos y Japón. En Estados Unidos, Aflac es el proveedor número uno de productos de seguros médicos suplementarios.1 En Japón, Aflac Life Insurance Japan es el principal proveedor de seguros médicos y de cáncer en términos de pólizas vigentes. La empresa se enorgullece de estar a disposición de sus titulares de pólizas cuando más nos necesitan, así como de ser incluida en el 2023 entre las empresas más éticas del mundo por Ethisphere, durante 17 años consecutivos, las empresas más admiradas del mundo de Fortune, durante 22 años, y el índice de igualdad de género de Bloomberg, por cuarto año consecutivo. Además, la empresa se convirtió en signataria de los "Principios de inversión responsable" (Principles for Responsible Investment, PRI) en el 2021 y ha estado incluida en el índice Dow Jones de sostenibilidad de Norteamérica (2022) durante nueve años. Para obtener información sobre cómo obtener ayuda con los gastos que el seguro médico no cubre, visítenos en aflac.com aflac.com o aflac.com/español. Los inversionistas pueden obtener más información sobre Aflac Incorporated y su compromiso con la responsabilidad social y la sostenibilidad en investors.aflac.com en la sección "Sostenibilidad".

Contactos de prensa: Darcy Brito, DBrito@aflac.com; Paige Presley, JPresley@aflac.com 

Contacto para analistas e inversionistas: David A. Young, 706-596-3264, 800-235-2667 o dyoung@aflac.com

1 LIMRA 2022 Supplemental Health Insurance Total Market Report (Informe del mercado total de seguros de salud suplementarios en EE. UU).

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