Executive Summary

The 2014 Aflac WorkForces Report highlights the impact health care reform is having in the workplace, the growing importance of voluntary benefits to workers, as well as the correlation between good benefits and business success.

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Health care reform and the transformation of workplace benefits

New research from the 2014 Aflac WorkForces Report1 finds that despite a lack of clarity about the impact of health care reform, businesses are cautiously forging ahead with changes to their benefits plans. As a result, employees may be left on their own when it comes to benefits education and financial protection. 

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American workers are at the edge of a financial cliff

The economy is showing signs of improving, but Americans’ bank accounts are in need of resuscitation: Put simply, anemic pay raises combined with sharp increases in out-of-pocket health care costs have creditors knocking on many consumers’ doors

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Articles

The growing importance of voluntary insurance benefits

Voluntary insurance benefits are gaining a lot of positive attention and for good reason. Trends from the fourth annual Aflac WorkForces Report show voluntary insurance products are increasingly important to employees and employers.

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Small businesses regain some ground

Still challenged with the slow economy, small businesses reveal in the fourth annual Aflac WorkForces Report that they aren’t enthusiastic about hiring. Instead, they’re more positive when it comes to other matters, including understanding health care reform and taking better care of their employees.

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Stretching the truth about money and health

Sometimes it’s hard to be completely honest with ourselves – and that’s okay when denial is limited to small, harmless issues. But deluding ourselves about health and finances can be dangerous not only for ourselves but for our loved ones too.

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Help relieve employees' financial famine with a feast of benefits options

For many workers, a leaky roof, an unexpected car repair or an unexpected illness can be financially disastrous. In fact, a recent survey found that 76 percent of Americans live paycheck to paycheck. Employers can help workers bridge financial gaps by adding a wealth of voluntary insurance options to their employees' benefits plans.

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For employers, benefits enrollment starts today

Employee open enrollment is months away, but for smart companies it begins now – long before it's too late to make plan changes that directly affect the financial stability of their workforces. Find out how business leaders can help ensure employee well-being and contentment with the actions they take today.

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4 simple ways to win talent like a ‘Best Place to Work’

Small companies can’t always offer their employees the pay or stock options that larger competitors can, but that doesn’t mean your business can’t make a winning appeal to the best, brightest and most driven employees.

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Turning Tables: How Benefit Decisions Will Impact Employers

The tables have turned this year’s open enrollment season. Historically open enrollment focused on the importance of benefits decisions for workers, however this year it ushers in equally critical benefit decisions for employers.

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Coverage underwritten by American Family Life Assurance Company of Columbus. Group coverage underwritten by Continental American Insurance Company, which is not licensed to solicit business in Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.
Aflac processes most claims in about four days, and online claims received by 3pm ET in an average of one day. This does not include mail time. Online claim process is available for accident, sickness, cancer, and wellness type claims. Processing time is based on business days after all required documentation is received. Aflac Individual Company Statistic, October 2013.
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