Aflac is here to help.

I’m so sorry to hear you are on unpaid leave and are facing these challenges. During this time, we have several payment options. (See how to submit payments above.)

I’m so sorry to hear you are on unpaid leave and are facing these challenges. Your employer is responsible for determining whether a qualifying life event has occurred that will allow you to update your coverage under your employer’s Section 125 plan – but generally a reduction in hours and wages does qualify as a life event. Please check with your employer. If your employer decides you have experienced a qualifying life event, you’ll need to complete an application documenting your request to make changes to your existing coverage.

Aflac recognizes during these unprecedented times your work status can be fluid. That’s why during this COVID-19 crisis, if your employer permits it, Aflac will temporarily allow you to make changes to your existing coverage– even if you’re furloughed, on a leave of absence, temporarily laid off or otherwise not reporting to work. You must meet the following conditions to obtain this exception:

• You can still perform your duties.
• You intend to return to work with the employer.
• Your employer intends for you to return to work duties.
• Your employer will continue sending in your premiums.

This exception is available to all lines of business except disability and life. Due to their unique nature, disability and life products are not subject to this temporary accommodation and are only available under the usual process whereby you must properly answer all of the eligibility questions on the insurance application, including questions asking if you are an active employee who is receiving wages from your employer.

I am sorry you have been diagnosed with COVID-19 and wish you a speedy recovery. If you have an active short-term disability policy with Aflac, you may be entitled to benefits for the period of time you are unable to work. Please file your disability claim so we can evaluate it. Your policy may include a waiver of premium benefit during the time you are unable to work. This will depend on the terms of your policy. Benefits will be paid as outlined in your policy.

I am sorry you have been diagnosed with COVID-19 and wish you a speedy recovery. We are here to help. Even if you are not in the hospital, if you are unable to work and able to provide documentation indicating you are disabled, Aflac will pay benefits, subject to the terms and conditions of your policy. We will need employer and physician statements indicating you are disabled, not working and, if applicable, not receiving 80% of your pay – or in the case of group products, 60% of your pay.

If you are unable to obtain this information, there are other documents we are willing to accept during this challenging time. But keep in mind any applicable elimination period must be met as outlined in your policy, as well as any other policy provisions that apply. Benefits for events other than disability will be paid as outlined in your policy.

We are here to help. Aflac would pay benefits under those circumstances if you have Aflac’s individual or group hospital indemnity, hospital intensive care or short-term disability policies. Aflac would also pay if you have the individual specified health event policy with the ICU option selected. Please refer to the policy or certificate for benefit amounts and benefits eligibility. For individual policyholders, this information can be accessed at myaflac.com. Group insureds can visit aflacgroupinsurance.com or call customer service at 1-800-433-3036 to request a copy of their certificate.

I am sorry you have been diagnosed with COVID-19 and wish you a speedy recovery. We are here to help. Alternative care sites are occurring in many states, and we treat them like standard hospitals if they provide hospital-level care and care in a hospital was not available. Aflac hospital indemnity plans will cover treatment provided in an alternative care site if the treatment is authorized by a qualifying hospital facility for treatment and a charge is incurred, where applicable.

We understand these difficult times and are here to help. Aflac’s accident and some of its critical illness and hospital plans provide an annual wellness or health screening benefit. If you have not already used this benefit this year, it would be available to you because of your doctor’s visit.

Aflac is committed to our customers and we understand if you prefer to remain at home. Generally, Aflac considers a telemedicine visit the same as an in-person visit to the doctor.

We are closely monitoring the effect of COVID-19 for our customers and employees, and we understand how it is impacting day to day lives. Tests for COVID-19, as well as other laboratory tests, may be covered as a wellness or health screening benefit under your Aflac policies/certificates. Since you are asymptomatic and don’t have a diagnosis, however, Aflac is unlikely to pay as an illness or injury.

We are closely monitoring the effects of COVID-19 for our customers and employees, and we understand how it is impacting day-to-day lives. You must have documentation, including the employer and physician statements indicating you are disabled, not working and not receiving 80% of your salary – or 60% for group products – if applicable.

Aflac remains committed to protecting our customers. Alternative care sites are occurring in many states, and we treat them like standard hospitals if they provide hospital-level care and care in a hospital was not available. If you’re incurring charges, then you could be paid benefits if you have Aflac’s individual hospital indemnity, hospital intensive care, specified health event or short-term disability policy. For group products, you may be paid benefits if you have Aflac’s hospital indemnity and short-term disability products.

We understand that during these difficult times it can be challenging to obtain records that will help determine the status of your claim. We understand you may not be able to fully complete the standard required forms. Please try to obtain as much information as possible on the forms to help us evaluate your claim.

Your employer can submit the employer statement to us via email. In addition, you can provide us with a discharge summary from your medical provider, an explanation of benefits from your medical provider, or the contact information for your provider and/or employer, and we will reach out to them. Be sure to check your health care provider’s portal and your major medical insurance provider’s portal, as there may be helpful information there you can provide to us.

I understand how challenging these difficult times can be and how important it is to consider all available options to protect your health. Unfortunately, without a basis for determining you have a disability, we are unable to pay this type of claim.

I understand how challenging these difficult times can be and how important it is to consider all available options to protect your health. We need a basis for determining if you have a disability. Please provide us with documentation of your underlying condition so we can assess your claim.

I understand what a challenging time this must be for you, particularly with the unprecedented spread of COVID-19. Unfortunately, staying at home without an underlying condition related to pregnancy is generally not considered a disability and you would not be covered by your short-term disability policy. However, if you continue to remain employed at a full-time status, at the time of your delivery, your short-term disability would provide coverage for being out of work.

I am so sorry you have been diagnosed with COVID-19 and hope you recover quickly. We are here to help. Alternative care sites are occurring in many states, and we treat them like standard hospitals if they provide hospital-level care and care in a hospital was not available. Aflac products with benefits for hospitalization and/or ICU benefits will cover care at an alternative care site for COVID-19.

I am so sorry to hear you were diagnosed and want you to know we are here to help. Alternative care sites are occurring in many states, and we treat them like standard hospitals if they provide hospital-level care and care in a hospital was not available. Even if you received care at an alternative care site’s ER, Aflac products with hospitalization and ICU coverage will pay benefits.