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Supplemental Insurance Benefits Made Simple

Protection Beyond Traditional Health Insurance

Aflac supplemental insurance helps provide cash benefits directly to you when unexpected accidents, illnesses, or medical events happen.

What Is Aflac?

Aflac is supplemental insurance designed to help employees and families with out-of-pocket expenses health insurance may not cover. Benefits are paid directly to the policyholder.

"Health insurance pays doctors. Aflac helps pay you."

Cash benefits can help cover:

Deductibles
Mortgage or Rent
Groceries
Travel Expenses
Childcare
Lost Income
Everyday Bills
Out-of-Pocket Costs

How It Works

Step 1

Get Coverage

Enroll in an Aflac plan through your employer — simple and straightforward.

Step 2

Experience a Covered Event

An accident, illness, or medical event triggers your coverage.

Step 3

Receive Cash Benefits

Cash benefits are paid directly to you to use however you need.

Why Employers Offer Aflac

Employee Retention

Stronger benefits help keep valued employees satisfied and loyal.

Stronger Benefits Package

Enhance your overall offering without overhauling your existing plan.

Financial Wellness Support

Help employees feel more prepared for unexpected expenses.

Voluntary Employee-Paid

Many plans are employee-paid through payroll deduction — minimal cost to the business.

Minimal Administration

Enrollment and claims are handled by Aflac with streamlined support.

Flexible Enrollment Support

Virtual, in-person, or phone enrollment options to fit your business.

Many Aflac plans are employee-paid through payroll deduction, allowing employers to strengthen benefits without significantly increasing company costs.

How Easy It Is to Get Started

1

Schedule a Benefits Review

Meet with Scott Reinhart for a free, no-obligation review of your current benefits.

2

Choose Coverage Options

Select the plans that best fit your business and employee needs.

3

Simple Enrollment Process

Employees enroll online, in person, or by phone — quick and easy.

4

Protection Begins

Payroll deduction starts and employees are covered.

No medical exams
No blood work required
Simple enrollment
Flexible coverage options
Many plans are portable

Aflac Products

Comprehensive supplemental insurance solutions for employees and families.

Accident Insurance

Cash benefits for covered injuries from accidents — on or off the job.

Critical Illness Insurance

Lump-sum benefit upon diagnosis of a covered condition like heart attack or stroke.

Cancer Insurance

Dedicated coverage designed to help with costs related to cancer diagnosis and treatment.

Hospital Insurance

Cash benefits for hospital admissions, stays, and related expenses.

Short-Term Disability

Income replacement when you cannot work due to a covered illness or injury.

Life Insurance

Guaranteed issue life insurance up to $100,000 — no medical exam required.

Dental Insurance

Help with the cost of dental care to keep your smile healthy.

Vision Insurance

Coverage for eye exams, glasses, contacts, and more.

View Products by State

Select your state to view available Aflac products and details.

Frequently Asked Questions

For Employees

Aflac provides supplemental insurance that pays cash benefits directly to you when covered accidents, illnesses, or medical events happen.
Health insurance pays doctors and hospitals. Aflac helps provide cash benefits directly to you to help with everyday expenses and out-of-pocket costs.
Accident Insurance, Critical Illness Insurance, Cancer Insurance, Hospital Insurance, Short-Term Disability Insurance, Life Insurance, Dental Insurance, and Vision Insurance.
Yes. Most benefits are paid directly to you — regardless of what other insurance covers. You decide how to use the funds.
Yes. Most plans are conveniently paid through payroll deduction, making it simple and automatic.
Many plans are portable and may stay with you if you change employers, depending on the plan terms.
No. Most policies do not require a medical exam or blood work during enrollment.
Claims can typically be submitted online at aflac.com/claims, through the MyAflac mobile app, or by calling 1-800-992-3522. Aflac is known for fast claims processing.
Benefits can help with rent, mortgage, groceries, travel, childcare, deductibles, and everyday living expenses — you decide how to use them.

For Employers

Aflac helps employees handle unexpected expenses while strengthening the overall benefits package — which can improve satisfaction and retention.
Many plans are voluntary and employee-paid through payroll deduction, allowing employers to enhance benefits without significantly increasing company costs.
No. Enrollment support is provided virtually, in person, or by phone. The process is streamlined and straightforward.
No. Most plans do not require medical exams or blood work during enrollment.
Very little. Enrollment, claims, and support are handled by Aflac. Payroll deduction setup is simple.
Yes. Stronger benefits can improve employee satisfaction and retention. Employees value supplemental coverage that provides financial peace of mind.
Go to Payroll Settings and create a new payroll deduction item as an "After-Tax Deduction" (or pre-tax with a Section 125 plan). Name it "Aflac," enter the deduction amount per pay period, and assign it to the appropriate liability account. Your Aflac representative can provide exact amounts.
Contact your Aflac representative or Aflac's business services line to arrange ACH payment from your business bank account. This simplifies premium collection and ensures timely payments.
Watch the Employer Guide to Recurring Autodraft video for step-by-step instructions: Watch Video Guide
Access the Aflac Employer Resource Center for tools, forms, and resources to manage your business account: Click Here to Access Resources
Download the Business Services guide for answers to common questions about billing, claims, and account management: Access Business Services PDF

What People Are Saying

"Aflac gave me peace of mind when my daughter had an accident at school. The cash benefit helped us cover the deductible and everyday expenses while she recovered."

SM

Sarah M.

Employee

"Adding Aflac to our benefits package was one of the best decisions we made. Enrollment was simple, and our employees feel more protected."

DR

David R.

HR Manager

"As a small business owner, I needed a way to offer competitive benefits without a huge cost. Aflac's voluntary plans were the perfect solution."

JK

Jennifer K.

Small Business Owner

Protect Your Employees and Their Families

Schedule a free benefits review to explore affordable supplemental insurance options.

701-885-5193[email protected]Schedule a Review

For educational purposes only. Products, features, premiums, benefits, limitations, and availability may vary by carrier and state. This material is not a guarantee of coverage, savings, tax treatment, or future results and is not tax, legal, or accounting advice. Consult your tax and legal advisors.