AFLAC IS BACK!!
Supplemental Voluntary Benefit Enrollment is Here
Aflac’s supplemental insurance plans are designed to protect what matters most—your health, your income, and your peace of mind. These voluntary benefits pay cash directly to you, not to hospitals or providers, and can be used for anything from groceries to mortgage payments while you recover.
Whether it’s a sudden accident, a critical diagnosis, a hospital stay, or time off work, Aflac is here to help you stay financially stable through life’s unexpected moments. Coverage is available with guaranteed issue and no medical exams—making it easy and accessible to get started.
Learn your options. Choose your plans. Enroll your way—online, from your phone, or with a licensed benefits counselor.
Quick Navigation
Product Brochures
Watch This First
Message from Your Union and Aflac
Learn why these benefits matter and how they protect you and your family. Take 2 minutes to understand your options before enrolling.
Click Here if Video does not load
“This quick video helped me understand how to make the right choice.” – Union Member
Available Aflac Benefits
Group Accident Insurance
Helps cover out-of-pocket costs from injuries and emergencies.
Example: Sprained ankle → AFLAC paid $950 (ER + follow-ups)
Group Critical Illness Insurance
Lump-sum payment for serious health conditions like heart attack or cancer.
Example: Heart attack → $20,000 payout
Group Short-Term Disability
Protects your paycheck if you can’t work due to injury or illness.
Example: 4-week leave after surgery → $2,400 paid
Group Hospital Indemnity Insurance
Pays cash for hospital stays, planned or unexpected.
Example: 3-day hospital stay → $2,400 paid
MassMutual Group Whole Life Insurance
Permanent Death Benefit
Provides lifelong protection for your loved ones, paying a guaranteed death benefit directly to your beneficiaries—tax-free.
Peace of mind knowing your family is protected—no matter when you pass.
Guaranteed Cash Value
Builds cash value over time that you can borrow against for emergencies, tuition, or other needs—while your coverage remains in force.
Your policy becomes a financial asset over time.
Living & Acceleration Benefits
Access part of your benefit if diagnosed with a terminal illness or chronic condition—giving you support when it matters most.
Helps cover costs while you're still living.
Guaranteed Issue – No Exams
Enroll with no medical exams, no needles, and no health questions—guaranteed coverage up to $150,000 for eligible members.
Available during this special open enrollment period only.
Member Testimonials
Real Stories from Real Members
Accident Insurance
Jason M., Forklift Operator
"I tripped off the loading dock and fractured my wrist. Aflac paid me over $900 in just a few days. That helped cover my rent while I recovered."
Critical Illness
Tina R., Administrative Assistant
"I was diagnosed with breast cancer. Aflac paid me over $10,000 fast—it gave me the breathing room to focus on treatment without falling behind on my mortgage."
Hospital Indemnity
Carlos G., Public Works
"After gallbladder surgery and a 4-day hospital stay, Aflac sent me $1,600. That money covered child care and bills while I was out."
Short-Term Disability
April L., Call Center Supervisor
"After knee surgery, Aflac paid me over $3,000 while I was out. It gave me peace of mind knowing my bills were covered during recovery."
What Members Say About Their Whole Life Coverage
Renee J.
"I chose Whole Life to make sure my daughter wouldn’t be left with any financial burden. Knowing the death benefit is locked in for life gives me real peace of mind."
Mark D., Facilities Technician
"My policy started building cash value after the first year. I was able to borrow from it when my car broke down—no credit check, no hassle. It really came through when I needed it."
Theresa B., Retired Union Member
"I enrolled with no health questions or exams—something I couldn’t get anywhere else at my age. This plan gave me an opportunity to leave something behind for my grandkids."
James T., Electrician –
"When I was diagnosed with cancer, I used the accelerated benefit to help pay for treatments and keep my household running. That option meant everything to my family."
Fast, Simple, and Reliable Claims
Easy to File
Submit your claim in minutes using the Aflac mobile app or website. Just upload your documents, answer a few questions, and you’re done.
No complicated forms. No phone calls. No stress.
Fast Payments
Most claims are processed within 1–3 business days, and eligible benefits are paid out via direct deposit for speed and convenience.
Many members receive payment before their next paycheck.
Real Example
Angela submitted a hospital indemnity claim on Monday. By Wednesday, Aflac had deposited $1,500 into her account—just in time to cover her rent.
“I couldn’t believe how fast it came through.” – Angela C., Local 441
Frequently Asked Questions
Do I need this if I have medical insurance?
Yes—these plans pay cash directly to you, not your doctor or hospital. Use it however you need: rent, groceries, travel, or recovery time.
Can I keep it if I leave the union or my job?
Yes—most plans offer portable coverage. You can take it with you and continue paying directly.
How fast are claims paid?
Most eligible claims are paid within 1–3 business days after documentation is submitted.
When will my coverage be active?
Your policy is typically active the day after enrollment is completed, provided any required first premium is received.
Who do I call if I have questions?
You can speak with a licensed benefits counselor or call Aflac customer service at 1-800-992-3522. You can also schedule a 1-on-1 session through ClickEnroll.
What is a Wellness Benefit?
Some plans offer a cash incentive when you complete a covered wellness screening—like a physical, mammogram, or blood test. It’s a reward for staying proactive about your health.
Are there any exclusions?
Like most insurance policies, exclusions apply—such as pre-existing conditions, intentional injuries, or illegal activity. Full details are provided in your plan documents.
Enroll in Minutes with ClickEnroll
Quick Access
Tap the link in your email or text message and enroll in just a few clicks—anytime, from any device.
No downloads. No waiting. Just instant access to your benefits.
Safe Enrollment
Your information is encrypted and stored securely. ClickEnroll meets the highest standards for data protection and privacy.
You’re in control—safely and confidently.
Schedule a Counselor
Prefer personal help? Schedule a secure 1-on-1 session with a licensed benefits counselor at a time that works for you.
Support is just a click away—real people, real answers.
Meet with a Counselor
Schedule AppointmentHelpful Resources
Benefits Summary How Claims Work Enrollment ChecklistEmail: grace_passarella@us.aflac.com
Phone: (916) 612-2455