Group Life, Absence and Disability Management
Offer essential financial security with Life and Disability plans and enhanced services through the Life, Absence Management, and Disability solutions.
Group Life, Absence and Disability Management
Offer essential financial security with Life and Disability plans and enhanced services through the Life, Absence Management, and Disability solutions.
How Aflac is setting the standard
With an expanded portfolio of product solutions and enhanced capabilities, we're here to help you provide a competitive, diverse and compelling benefits package supported through a broad range of enrollment strategies.
Individual Plan Highlights
Individual Disability Insurance
Helps replace lost income during periods of a covered short-term illness or injury, allowing employees to focus on their recovery. Benefits are paid directly to employees (unless otherwise assigned), to help with expenses. Coverage is suitable for all business sizes, with at least 3+ participating employees.
Portable coverage
Employees can take their coverage with them if they leave the company.
Simplified enrollment
Streamlined underwriting to expedite the enrollment process.
Designed to adapt
As an employee's income changes, coverage can be updated.
Individual Life Insurance
Designed for smaller businesses (often 3+ employees), this gives employees’ options through portable, individually-owned coverage providing:
Versatile options
Term, whole, and juvenile plans for diverse employee needs.
Straightforward plans
Structures that simplify benefits administration.
Customizable coverage
Face amount options available up to $500,000.
Enhanced protection
Optional riders for extra value and tailored support.
Simplified enrollment
Guaranteed issue options for faster, hurdle-free processing.
Group Plan Highlights
Group Disability Insurance
Provide income replacement benefits, paid directly to the employee (unless otherwise assigned), in the event they cannot work due to a covered short-term injury or sickness. Plans are built for larger businesses, with 100+ employees, to provide administrative ease.
Tailored plan design
Customize benefits details to align with budget and needs.
Simplified enrollment
Guaranteed issue options provide coverage without requiring a medical exam.
Designed to adapt
As an employee's income changes, coverage can be updated.
Group Life Insurance
A foundation of financial security for organizations with 100+ employees, featuring scalable plans that simplify administration while maximizing employee value, offering:
Versatile options
Term, whole, and hybrid plans to meet diverse employee needs
Customizable coverage
High face amounts available up to $500,000.
Enhanced protection
Supplemental buy-up options for extra coverage.
Simplified enrollment
Guaranteed issue options for faster, easy processing.
Family protection
Coverage available for eligible spouses and children.
Life, Absence & Disability Solutions (LADs)
The LADs program elevates your benefits package by integrating all core protection—Term Life and AD&D Insurance, Disability, and Absence Management Solutions—into a single comprehensive solution delivered with a white glove experience. This is designed for businesses requiring seamless insurance, compliance, and administrative support, becoming a natural extension of their HR and benefits department.
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Dedicated Case Manager
Our case managers are the heart of our program, providing empathy, consistency, and education through a single point of contact to assist employees with their claims and leaves.
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Advanced Technology Platform
We leverage cloud-based technology to provide real-time data and actionable insights into your claim, leave trends, and utilization. This secure platform also includes claim submission and self-service features for your employees.
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Care Manager Support
Our care managers connect employees to the resources that exist in their community, are embedded in their plans, or can be accessed through Aflac to help fill gaps and provide support with everyday concerns. This allows employees to be more present.
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Integrated Absence and Disability Management
We manage the overlap between disability claims, statutory paid family and medical leaves and federal and state unpaid leaves (like FMLA). This integration helps to reduce the risk of errors while saving your team hours coordinating regulations and benefits.
Ready to build a smarter benefits package?
Why businesses choose Aflac
Powerful brand recognition
The Aflac brand encourages higher employee participation, maximizing your benefit investment.
Tech-driven simplicity
Our state-of-the-art tools ensure seamless enrollment and utilization, minimizing HR administration time.
Streamlined administration
Enjoy single-carrier efficiency with one consolidated statement, one eligibility file, and unified online access.
One partner, integrated solutions
Gain the convenience of working with a single trusted partner for all your group and supplemental benefits.
Ready to elevate your benefits package?
Ready to elevate your benefits package?