Supplemental policies frequently offer a wider range of payment options. Will definitely consider all of your thoughtful responses while making my decision. Questions: I'm now in my early 30s and active, should I consider buying it now or later? THe short term disability kept my paycheck coming in and the accident policy helped me pay other bills, etc. Go ask friends for the name of an agent they trust. As for dental, if it's just you and you don't have dental problems and you get regular cleanings, then do the same with vision, weight the premiums vs. straight out of pocket costs. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. You've just gotta research the details of your policy and the make an educated guess if it is something you should be covered for.

I don't believe in cancer insurance because your health insurance covers that. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. They also have an accident plan. I probably would not pay for the coverage on my own, because these are risks which I can afford to self insure. You're a good bunch. And the term itself makes no sense. While it’s an easily-recognized company, what exactly does Aflac sell? A supplemental plan can help you pay for a high-deductible operation, especially when you believe one may be in your near future. I'm thinking of buying it again for the vision (I wear contacts), dental (no major work needed other than exams and teeth cleaning but no dental insurance either) and possibly accident or short term disability. If you're covered already and your deductible isn't sky high it may be less worth it (if the deductible is really high it'd be more attractive, of course, because you'd likely get a decent portion back). In our case, it was well worth the premiums because it was the only thing we had that resembled health insurance. I discussed issues ranging from COVID-19 to global talent management with the CFO of the world's largest supplementary insurance provider. Aflac worth it? Press question mark to learn the rest of the keyboard shortcuts. Ask them why they left. This is why we feel hospital indemnity insurance is worth the money spent. It also sounds like your area may be oversaturated. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. And the since I gave birth to him early I also couldn't get paid out because I "couldn't prove" I wasn't already pregnant prior to signing up. By using our Services or clicking I agree, you agree to our use of cookies. I'm wondering if it's better to look into just disability insurance? As with all other types of insurance, you should of course always shop around and compare coverage from different companies before your make a decision. One of the accidents was an ankle injury which required surgery, so I ended up getting approximately $3,500 in cash benefits as a result of the various services and follow-up appointments and physical therapy required. What are pitfalls? It includes time, money, convenience, and many other factors. This is exactly what I read in there paperwork and what the agent told me at my last job. I remember one of my coworkers had to use it for an accident involving needing a couple stitches. Agent guidance is critical for AFLAC claims - you should feel comfortable that your agent is going to walk you through the process and let you know if you're missing anything that might get your claim approved or get you additional benefits. Insurance. If not for the pregnancy, though, and the fact that she has medical problems that actually allow her to regularly collect claims, it wouldn't be worth it. True that. Though Aflac is the most recognized supplemental insurance company, many others offer comparable products. This was approximately my experience. I'll stop now) (-__- );;There are a few who are on top of their game and whose opinions I value highly, but their schedules are pretty packed and I'm still small fry compared to their usual clientele and on top of that they would earn no commission. Then it's pretty much worth it. You may have even mimicked the duck’s trademark “Aflac” quack. As a rule, a more comprehensive medical plan, like Medigap or a Medicare Advantage plan, is a far better option than supplemental insurance for covering the gaps left behind by Medicare A (hospital coverage) and B (medical) plans. My wife and I both have medical coverage and we both have life insurance. $30/h is double what most 1st year aflac agents make if they figured it out into hourly pay. I would weigh the annual cost in premiums vs. the annual cost in contacts and exams, etc. We recently did our open enrollment, I have enrolled in Aflac accident insurance the past 4 or so years. I can't speak for AFLAC specifically, but I feel that some form of disability insurance is wise if you are the sole or major breadwinner in your household and have others dependent on your income.

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