Aflac

Public facts

Worksite supplemental

Aflac employee-paid supplemental insurance (accident, cancer/specified disease, critical illness, hospital, disability, life, dental, vision) sold at the workplace with no employer premium cost.

Visit aflac.com

Overview

Aflac’s business-owner pages state employers can offer Aflac supplemental plans through payroll deduction at no cost to the company, with possible tax savings. Popular plans named include short-term disability (guaranteed renewable to age 75; portable; Aflac Value Rider up to $1,000 every five years where available) and cancer/specified-disease insurance (one rate for all ages; three plan levels; children at no additional cost). Other workplace lines listed: accident, critical illness, dental, hospital, life, and vision. Individual Aflac products are underwritten by American Family Life Assurance Company of Columbus (New York: American Family Life Assurance Company of New York). Group products may be underwritten by Continental American Insurance Company (CAIC), a wholly owned Aflac Incorporated subsidiary, with California and New York exceptions named on the page. Coverage is not a qualified health plan under the ACA.

Why it matters Aflac is the default worksite cash-benefit brand; it is supplemental only and uses different paper for individual vs group.

Target buyer: Employers and agents/brokers who want employee-paid worksite supplemental, including Aflac’s career-agent model.
Pricing model: Employee-paid premium; group plan design selected at employer level; No public group PEPM. The business page lists many state unavailability notes (examples: some accident forms not in ID/VA; Value Rider not in NJ/NY/PA; other product-state gaps). Benefits and rates vary by state and plan.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Employee-paid payroll deduction; employer premium cost described as none
Short-term disability with portability and optional Value Rider
Cancer / specified-disease plans
Accident, critical illness, hospital, life, dental, and vision
Separate individual (Aflac) and group (often CAIC) paper
Headquarters: 1932 Wynnton Road, Columbus, GA; Aflac New York in Albany

Integrations

Aflac agent and broker distribution
Payroll deduction / section 125 where the employer elects it (tax-savings claim on the business page)

Overview

Aflac Incorporated’s workplace pitch on aflac.com/business is supplemental cash benefits that help with costs major medical may not cover, offered at no employer premium. Headquarters are listed as Columbus, Georgia (Wynnton Road), with Aflac New York in Albany and CAIC in Columbia, South Carolina.

Underwriting split on the same page: most advertised individual-style plans — American Family Life Assurance Company of Columbus / of New York; remaining listed group series — Continental American Insurance Company (not licensed in NY, Guam, Puerto Rico, or the Virgin Islands); California group situs uses Continental American Life Insurance Company; New York group uses Aflac New York.

Key Capabilities

STD, cancer/specified disease, accident, critical illness, hospital, life, network dental, network vision (policy series cited on the page).
Portability and guaranteed-renewable language on STD.
Employer-level group plan design and optional riders at extra cost.
Agent, broker, and business-owner entry points on the site.

Integrations & Ecosystem

Career agents and brokers; payroll slots. Not a medical network carrier except limited dental/vision networks on specified policy series.

Pricing

Employee-paid. Quote/enroll locally. Value Rider and many forms are state-restricted.

Notes & Limitations

Not major medical; not ACA QHP/MEC (Aflac notice).
Long state-availability footnotes; recorded as National because Aflac writes widely, but many products are excluded in named states.
Waiting periods, limitations, and public-assistance/tax effects of accelerated death benefits are disclosed on the page.

Sources

Tags: Aflac · voluntary · worksite · accident · cancer · hospital indemnity