Life and Absence Management Insurance

Absence management

Employees are your most valuable asset. Protecting their well-being is a complicated business. We’ve created an end-to-end solution to help make it easier to manage your employees’ absences related to:

Americans with Disabilities Act.
Amendments Act (ADAAA) administration.
Bereavement leaves.
Company paid and unpaid leave.
Family and Medical Leave Act (FMLA).
Jury duty.
Military leave.
State Paid Family Leave (PFL).

Long-Term Disability (LTD) Income Insurance, insured and self-insured

Financial security is critical to your employees’ health and well-being. Illness or injury can interrupt the work and income of your employees. Being able to provide a safety net for employees is a key element of your benefit program. We can help you identify the right coverage options.

Life premium waiver administration.
Flexible monthly maximums.
Vocational rehabilitation and Social Security application assistance.
Work incentive provision and survivor benefit.

senior in rehabilitation exercising, using a stretch band

Short-Term Disability (STD) Income Insurance, insured or self-insured

Whether you choose to self-insure or provide our short-term disability income insurance for your employees, we can help you meet your STD benefit goals.

Available on a fully insured or administrative services-only (self-insured) platform.
Clinical case management process designed to help employees return to work.
Market-competitive programs with flexible weekly maximums.
Multiple waiting periods and benefit durations available.
Residual disability provides covered benefits if a person is able to work, but earnings are reduced as a result of a covered disability.
Own job definition of short-term disability is available to provide coverage for the duties of a person’s specific job in their employer’s location.

Group Life and Accidental Death & Dismemberment (AD&D) insurance

Group life and accidental death and dismemberment (AD&D) insurance helps strengthen your employee benefits package and can provide essential insurance protection to employees during their time of need. Our benefit plans can help to provide a foundation of financial security and help replace the financial gap for families in the event of a death or covered accidental injury.

Group Life and Accidental Death & Dismemberment (AD&D) insurance

Plans are available at an affordable cost to you and your employees. We work with you to help identify options and services that will help meet the needs of your workforce in the U.S. and abroad, such as:

Accelerated death benefit (ADB) options up to 80% that can extend beyond terminal illness to include non-terminal chronic illness and chronically confined conditions. The ADB provision also lets us define terminal illness as “up to 24 months.” Receipt of the accelerated death benefits may affect eligibility for public assistance programs and may be taxable.
Accidental death and dismemberment (AD&D) provides the following benefits:
- Child care to help pay for state-licensed child care centers.
- Educational benefits to assist with higher education costs for dependent children and employment training, including higher education for spouses or domestic partners.
- Passenger restraint and airbag benefit paid in the event of death of the insured when proper use of restraint devices at time of accident.
- Repatriation of remains benefit in the event a covered employee or dependent dies while at least 200 miles from home.
Flexible plan options to help meet the needs of various size businesses.
Multiple-year rate guarantees.
Portability and Conversion options available to suit your employee needs.
Premium Waiver options for qualified disabled employees.
Seamless transition to Premium Waiver coordinated when you have long-term disability (LTD) coverage with Zurich.
Streamlined Evidence of Insurability process through our portal that allows for auto-adjudication of decisions.

Peace of mind doesn't
have to break the bank.

Don’t wait until it’s too late. Help cover your clients with affordable coverage from Aflac.

Disclaimer

In all states other than New York, the terms and conditions for the Group Short Term Insurance are set forth in policy form number 1000-ZAGP-01-01 or applicable state variation. The policies are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196.

In New York, the terms and conditions for the Long Term Disability Income Insurance policy are set forth in policy form number 1000-ZAGP-DS-NY01. The policies are issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company, located at its registered home address of 150 Greenwich Street, Four World Trade Center, 54th Floor, New York, NY 10007-2366.

In all states other than New York, the terms and conditions for the Group Long Term Disability Insurance Policy are set forth in policy form number 1000-ZAGP-01-01 or applicable state variation. The policies are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196.

The policies are subject to the laws of the state where they are issued. This material is a summary of the product features only. Please read the policy carefully for details. Certain coverages may not be available in all states and policy provisions may vary by state.

Products and services sold by Zurich American Life Insurance Company Administrative Office: 7045 College Boulevard, Overland Park, Kansas 66211-1523

On March 19, 2020, Aflac, Inc. announced the agreement to acquire Zurich North America’s U.S. group benefits business (ZEB), which consists of group life, group disability, and absence management products.

Aflac Columbus and Aflac NY (Aflac) will reinsure, on an indemnity basis, Zurich’s U.S. in-force group life and disability policies. As of November 2, 2020, and subject to customary closing conditions, Aflac will assume the administration of the aforementioned re-insured Zurich Employee Benefits policies and services.

WWHQ | 1932 Wynnton Road | Columbus, GA 31999

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 1221

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Individual Policies:
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage underwritten by American Family Life Assurance Company of New York. Direct to Consumer individual coverage underwritten by Tier One Insurance Company.

Aflac Worldwide Headquarters | Columbus, GA

Aflac Group Policies:
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

Aflac Group | Columbia, SC

“Aflac” may include American Family Life Assurance Company of Columbus, American Family Life Assurance Company of New York, Continental American Insurance Company (marketed as “Aflac Group”), Tier One Insurance Company, and any other affiliated companies (collectively, “Aflac”), as applicable to the entity from whom you receive insurance services.

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Absence management

Long-Term Disability (LTD) Income Insurance, insured and self-insured

Short-Term Disability (STD) Income Insurance, insured or self-insured

Peace of mind doesn't have to break the bank.

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Peace of mind doesn't
have to break the bank.