AFLAC

Does anyone have Aflac?? I was told to get it for help when im in the hospital and recovery time for help with finances. Has anyone claimed for that with them?

When I have my surgery in July I wont have enough time on the books to to get paid, so I was just going to eat the pay loss, however my friend at work told me to look at buying aflac insurance for that.

Any info would help.

thanks

TEA

TEA,

Funny I saw this.  I had a meeting with AFLAC today because my firm is adding them to our benefits.  From what the rep told us in the meeting, temporary disability starts after 14 days your leave from work. The Hospital's surgical benefit states that:  "AFLAC will pay 50-1000 when a surgical operation is performed..... on a covered person for a covered sickness or injury in a hospital or an ambulatory surgical center."

Temporary Disability may be the way to go because they will pay for 3 months to 6 months leave and possibly up to 24 months leave considering the cir****tances.  You would get a monthy check for a percentage of your income. 

From what I am seeing on my packet, it appears to me the hospital benefit only covers "sickness or injury" which I don't think the surgery applies but, however, I could interpreting this wrong.  

You could get both the Temporary and the Hospital and if they both work out, you can get checks for both because they are seperate benefits.

There is also a benefit that covers spouses earnings that they may loose if they have to assist with caring for you, providing you opt in for that coverage. 

I hope this helped you out a little bit.  Also I would like to mention, I am in Illinois so I don't know if the location makes a difference in coverage.  

Good Luck.  

Depending on your job you are likely only to be out for a max of two weeks.   I went to back the day after I got home from the hospital.  So I went to work 5 days post op.

It really depends on what type of job you have.  If you do something like construction work or a laborer then longer, if you have a sit down job a week or two is all you will need.