At AFLAC, our insurance policies help supplement primary health plans by providing direct-to-the-policyholder cash benefits, unless the insured chooses otherwise, to help fill gaps in traditional health insurance coverage, such as deductibles, out-of-pocket expenses and loss of earning power, among others.

In 1958 we introduced one of the world's first cancer expense insurance policies. Today we have expanded our insurance coverage to include accident/disability, cancer, short-term disability, hospital intensive care, hospital confinement indemnity, long-term care, specified health event, life, and dental.

Please note that laws in your state of residence will determine benefit offerings. Not all policies or benefits are available in all states.

All the following plans are offered through payroll deduction. The cancer, long-term care, base accident (without disability) and in some states the hospital intensive care policies are available on an individual basis outside the workplace.

Accident hospital confinement
Accidental death and dismemberment
Plus many others
Cancer
When a covered individual is diagnosed with cancer, this plan provides benefits for hospital confinement, radiation and chemotherapy and surgery, among others. In addition, AFLAC will pay a First Occurrence Benefit when a covered individual is first diagnosed as having internal cancer. Benefits are determined by state, but may include:

Dental
Our Dental Plan provides basic, preventive and major dental benefits to covered individuals. Eligible treatments are listed in the policy by ADA (American Dental Association) code. The Dental Wellness Benefit is payable once per visit, regardless of the number of treatments received. For benefits to be payable, 150 days or more must separate dental wellness visits. This benefit is payable twice per policy year per covered person. A dentist or dental hygienist must perform the treatment. There is no waiting period for this benefit.

We will pay a benefit when a covered person is charged for required hospital confinement of 14 or more hours for a covered sickness or injury. Benefits are determined by state, but may include among others:

This plan pays a benefit if you or any covered individual is confined to a hospital intensive care unit regardless of any other insurance you may have.
Long-Term Care
Our Long-Term Care policy provides the assistance you need if you have a chronic condition leaving you unable to care for yourself for an extended period of time. Benefits are determined by state, but may include:

Life

AFLAC offers term life insurance, whole life insurance, and a combination of both to provide the level of coverage you need. You can apply for up to $100,000 ($50,000 for applicants over age 50) total coverage with AFLAC. In addition, the health questions on your application for coverage do not require a medical exam or blood test. Your premiums will be automatically deducted from your paycheck. Coverage automatically includes a Waiver of Premium Benefit in case of total disability and an Accelerated Death Benefit.

Personal Sickness Indemnity

Our Personal Sickness Indemnity plan pays benefits for a covered sickness. Benefits are determined by state, but may include:

Short-Term Disability

Our Personal Short-Term Disability insurance may help provide you with a source of income if you become disabled due to a sickness or off-the-job injury. It provides monthly benefits for periods of 3 months, 6 months, 12 months or 24 months. When you own AFLAC's Personal Short-Term Disability insurance, your policy stays with you regardless of job change. To learn more about coverage in your state, please ask about it at work.

Specified Health Event

This plan pays a benefit when a covered individual is first diagnosed as having a covered life-threatening health event. Coverage includes benefits for hospital confinement, continuing care and continuation of coverage. The following life-threatening events are covered: