I pay out of my pay check for this short term disablity Insureance. Aflac runs commersals on TV about how there Insureance will help you while you are off. Twice this year I have had to use it. The first time they gave me the run around and I did not get a check until 4 weeks after I returned to work. Now I am off due to my back. I have been off since 12-04-05 I realize the first week is a waiting week but again I am getting jerked around.By the way the agent that sold me the plan used the words jerked around about my first claim and made write a letter applogizing for the first claim. Nice but I had to live with out money for that time. Thank God I know to save some. Not the point because to day is 1-25-06 almost a whole month has passed they are still reviewing my claim trying to find a loop whole not to pay me. Again Thank God I know how to save a little and have family that stick behind me. I am a widow and my only means of support. Aflac runs commercals stating you will have money while you are off to pay bills or order chinnese food. Well I am told that Ican return to work maybe Feb 1,06 and still today 1-25-06 I haven't an answer if they will even pay this claim. My agent said yesterday, " They are jerking you around." his words and I agree. I am age 54 maybe they think I am to old to pay. Always looking for preexisting conditions. Well Aflac life it's self is a pre-exsiting condtion because nobody gets out alive, even you guy's. Aflac is a total rip off and I do not suggest anyone buy it. Put your money monthly in a savings account and it will be there when you need it, no waiting week, and no continuious looking for ways to get out of paying. Aflac is guilty of FALSE ADVERTISEMENT. I have proof of that statement, twice this year.
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