We offer benefit options at no direct cost to business owners. Aflac policies are 100% employee-paid and available on a voluntary basis. They are a cost-effective solution to help employees with the rising cost of out-of-pocket health care expenses. The benefits are paid directly to employees when they are sick or hurt, on or off the job. I provide enrollment and claims services, eliminating any work on the business owner or benefits manager. Aflac helps attract and retain employees boosting morale without decreasing your bottom line. Aflac's tax-advantage plans allow employees to use pre-tax dollars to pay for their policies, in lowering the taxable income of the participating employees; business owners also reduce their overall share of the FICA and FUTA taxes.