Aflac is a voluntary employee benefit that provides income protection if someone is unable to work due to illness or injury. Unlike health insurance, Aflac pays cash benefits directly to the policyholder rather than to doctors or hospitals, allowing the money to be spent as needed. Premiums are discounted through group rates and tax benefits, and policies are guaranteed renewable and portable between jobs. Aflac helps ensure financial stability if someone is sick and cannot work by replacing lost wages and assisting with out-of-pocket medical costs.