Darlene Ruess

Increasing health care costs continue to drive demand for voluntary benefits. As the cost of health insurance rises, employers continue to struggle to control their company’s health care expenses. Many have already passed more of the premium costs to employees and have increased deductibles, co-payments or out-of-pocket limits. For many organizations, voluntary benefits may help solve a number of concerns and challenges that have surfaced during this time of health care financial insecurity. Aflac benefits can be payroll deducted on a pre-tax basis, which helps reduce payroll taxes for both the employer and employee. Our plans can be offered to groups of 3 employees and as large as Fortune 500 companies. Our programs pay cash benefits directly to policyholders, which can be used to help cover co-pays, deductibles and everyday living expenses. In 2019 Ethisphere Institute, a for-profit company that defines and measures corporate ethical standards, included Aflac in its list of the World’s Most Ethical Companies for the 13th consecutive year. Specialties: Enrollment services to save time for HR departments, implementing section 125 at no additional cost to businesses, flexible spending accounts, internet billing and payment capabilities, outstanding claims customer service.