Do You Have AFLAC?

United States
July 15, 2009 7:55pm CST
Last week, I had to meet with my local AFLAC representatives to renew my AFLAC coverage. When I spoke with the man he asked, "You've never made a claim, have you?" I replied, "No". He acted as if he was shocked. I know many people that I work with who have AFLAC and they abuse it and take it for all it is worth. They only have it to make money. Myself, I have it just incase I should ever need it, not to use and abuse it. How about you, do you have AFLAC? Have you ever had to use it?
4 people like this
9 responses
@meandmy3 (2228)
• United States
16 Jul 09
I had AFLAC for several years and was able to use it when I became pregnant with my triplets and was put on bed rest and unable to work when I was at 11 weeks pregnant, it paid me as if I was still working. It also paid me for the time I was in the hospital, and for my children's stay in the hospital as well. I do not believe that I abused the system I used it for what it was for. It was a great benefit for me and my family and because of it I was able to pay cash for my van that we needed as a result of having high order multiples, for my $250.00 a week formula bill and $100.00 a week diaper bill. So yes it was greatly needed and used for what it was intended.
@meandmy3 (2228)
• United States
16 Jul 09
And from what I know and from my experience to file a claim and have it paid you have to have PROOF that you had an injury that you were disabled and that you were nto able to work due to a medical issue of yours or your child which you are the primary care giver. I had to have copies of all of my medical bills, hospital records and doctors notes sent in for every week that I was paid.
1 person likes this
• United States
16 Jul 09
I am happy to hear that you used it when you NEEDED it most. I'm glad AFLAC was there to help you out when you needed it. I can't imagine having triplets. Thanks so much for sharing your AFLAC story.
• Regina, Saskatchewan
16 Jul 09
No, but I have a duck! LOL
2 people like this
@sweetyethot (1738)
• China
16 Jul 09
Excuse me,would u mind telling me what AFLAC is?I cant understand.
1 person likes this
• United States
16 Jul 09
AFLAC is short term disability insurance that you can carry so if you have to be off of work for an extended period of time they will pay you. It is a great thing to have because you never know what might happen in life.
• China
24 Jul 09
Im not sure about that.But since I work for a public school,I dont worry much about it.
@mtdewgurl74 (18118)
• United States
16 Jul 09
I have never used AFLAC is that where that duck goes around saying Aflac on commercials? If not I don't know what it is. It is good that you don't lower yourself and abuse it. Cause then it will be there when you do need it and probably have less hassles because of it. Someone who is abusing it will have a harder time each time they do a claim.
1 person likes this
• United States
16 Jul 09
Yes, it is the one with the duck!
@chrysz (1603)
• Philippines
16 Jul 09
Do you mean medical and dental insurance or healthcard? I have one but its the one provided by our company and the name is Intellicare. I have dental and medical coverage and since Im new in the company, I can only avail confinement expenses coverage for emergency cases and unlimited consultations. It's so "used" these days because I have lots of medical issues but I dont think that I am abusing it because I am entitled to the benefits of having that health card. after all, that's the reaason why we have it or why we are paying for it.
• United States
16 Jul 09
AFLAC is supplimental insurance. It is a short term disability insurance that pays you when you have to be off work for a long period of time. I also carry accidental insurance through them as well. If myself or my children get hurt or in an accident then AFLAC will pay so much for an ambulance, tests, etc to be done. It really is a wonderful insurance to have if you can afford it.
1 person likes this
@Ithink (10616)
• United States
16 Jul 09
We have Aflac and we have used the benefits once. It helped us alot as my husband is the only one that works and we would have had no income for the short time he was laid up. In our case he was working on our van and the van fell on him. Luckily our neighbors were having a cookout and some of the guys ran over and picked it up as I yanked him out. He was laid up for about a few weeks and had to have alot of tests done. We still have it but have no health insurance so it will really help to at least pay those bills if something happens again.
1 person likes this
@stephcjh (32327)
• United States
16 Jul 09
I have heard of this company before and wanted to check it out at one point and time but never did. I would not abuse it if I had it either. It makes rates go up for everyone when it is abused.
1 person likes this
@paula27661 (15898)
• Australia
16 Jul 09
We have something similar in Australia and for us it is attached to my husband’s superannuation. We used it about ten years ago when my husband was off work for a long time due to illness. I don’t think there is any way that it can be abused here because they are quite strict before they approve claims. It is a good thing to have though.
1 person likes this
@reinydawn (11649)
• United States
25 Jul 09
I don't know everything about AFLAC, but I would find it hard to "abuse" it. I mean, you pay for the coverage and if you have a legit claim, you get paid for it. That's what it's for. If I did have AFLAC - which we're looking into - then I'd submit every legit claim I had to get reimbursed for it. That's what it's for. If the claim isn't legit, you don't get paid. It'd be kinda stupid to have a legit claim but not submit it.