Aflac Products in North Dakota
Explore supplemental insurance products available to employers and employees in North Dakota. These are a sample of what each product covers — see the product brochures for the complete benefit package. Products, features, and availability may vary.
Short-Term Disability Insurance
Replaces a portion of income if you are temporarily unable to work due to illness or injury (19+ hours/week).
Key Benefits
- 3 to 24 months coverage
- Accident injury starts Day 1
- Sickness starts Day 8
- Protects against accident or sickness
- Up to $6,000 monthly based upon wage
- 5 weeks of maternity benefits
Available Riders (tap + to expand)
Accident Insurance
Provides cash benefits for medical expenses related to accidents, such as hospital stays, ER visits, and treatments.
Key Benefits
- $100 preventive care benefit
- $250 initial treatment by a doctor
- $400+ ambulance benefit
- $50 post care benefit — 30x/accident
- $1,500 hospital stay benefit with $500 building benefit for 5 years
- $600 ICU/day with building benefit
- $80,000 accidental death benefit
Available Riders (tap + to expand)
2 other coverage options are available for this plan. Connect with an agent to find out which option fits you best.
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Cancer Insurance
Offers financial assistance for cancer treatments, including surgery, chemotherapy, and radiation therapy.
Key Benefits
- $100 cancer screening
- $5,000 / $7,500 initial diagnosis
- $1,600 / $2,000 per month treatment by doctor
- $10,000 stem cell/bone marrow transplant
- $3,000 breast reconstruction
- Mileage and lodging benefits up to $1,500
Available Riders (tap + to expand)
2 other coverage options are available for this plan. Connect with an agent to find out which option fits you best.
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Critical Illness Insurance
Pays a lump-sum benefit for diagnoses of severe conditions like heart attack, stroke, and organ failure.
Key Benefits
- $25,000 1st occurrence benefit
- $12,500 subsequent occurrence
- $125/day continuing care
- $250 ambulance
- $1,000/day ICU benefit
- $2K – $4K heart surgery benefits
Available Riders (tap + to expand)
2 other coverage options are available for this plan. Connect with an agent to find out which option fits you best.
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Hospital Insurance
Helps cover hospital stays and related expenses, including room fees, surgical procedures, and recovery.
Key Benefits
- $500 to $2,000 hospital confinement
- $500 to $2,000 maternity benefit
- Up to $3,000 rehab facility
- $100 hospital short stay (2x per year)
- $100 hospital ER benefit (2x per year)
Available Riders (tap + to expand)
Whole and Term Life Insurance
Life insurance provides financial security for loved ones by paying a benefit if you pass away.
Key Benefits
Whole Life Insurance
- Lifelong coverage — lasts a lifetime
- Cash value — grows savings you can borrow
- Fixed rates — premiums never increase
Term Life Insurance
- Affordable — lower cost than whole life
- Flexible terms — choose 10, 20, or 30 years
- Death benefit — financial security for loved ones
Dental Group Insurance
Aflac Group Dental helps cover preventive, basic, and major dental care at an affordable cost, in and out of network. Out-of-network pays the gap between in-network charges and coverage.
Key Benefits
100% Covered — No Deductible
- Routine exams & cleanings (2x/yr)
- Bitewing X-rays (1x per 12 months)
- Full-mouth X-rays (1x per 36 months)
- Sealants, fluoride, space maintainers
80% Covered — Basic Services
- Fillings, palliative treatment, extractions
50% Covered — Major Services
- Crowns, bridges, dentures, implants, etc.
Annual Maximum Options
- $1,000 / $1,500 / $2,000
Note: Must have 2 people out of 3 or more employees to keep dental activated. Any dentist will take Aflac Dental.
Vision Insurance
Coverage for eye conditions, surgeries, and visual impairment, plus eye exam and vision correction benefits — no network restrictions.
Key Benefits
- $45 for eye exam
- Choose options for $80, $175, or $270 for glasses or contacts
- Eye surgeries, specific eye disorders, and permanent vision impairment
- Available in and out of network
Note: Must have 2 people on plan. Use the provider lookup to find in-network vision providers.
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.