Aflac offers various insurance policies for any size employer from 1 to 1,000+ employees. Aflac's policies are 100% employee-paid and are purchased on a voluntary basis. Many companies choose to make Aflac policies available as a cost-effective solution to help employees with the rising cost of out-of-pocket health care expenses. When a claim is filed, the covered individual will receive a cash payment from Aflac, which is a fixed amount, and is paid regardless of any other insurance coverage the individual has. The money can be used to pay for anything - medical bills, household bills, groceries, childcare, rent, car payments - Aflac does not monitor how the money is spent once they send a check.