If every time you hear this company's name, you think of a duck, then you know that the ads are working. Unfortunately what the ads don't tell you is that Aflac works as a leader in what's known as supplemental insurance.
Aflac came included because they do provide short-term disability insurance to help bridge the gap that people experience in the form of wage losses due to their disability. They also help cover medical expenses, deductibles, co-pays, and other expenses that a supplemental insurance company would usually cover.
If you find that you have to travel to see a doctor about a specific ailment, Aflac will have you covered there too. Travel costs, Hotel lodgings, or even overnight stays in the hospital will be covered by Aflac as well, so you don't have to worry about expenses piling up because of your disability, and you can focus on getting better.
If your disability stems from primary Dental or Vision operations, Aflac could even help in that area as well especially if in an employer's insurance doesn't manage to provide coverage. This company's policies could be a good way of rectifying a lot of issues that you've had to deal with for long-term, but didn't necessarily qualify you for full-time disability.
What's also really lovely about Aflac is it promises payment flexibility, so you can take a lump sum if you choose or you can have them disperse your payments over time.
For example, those who are recovering from a stroke may elect to have their benefits paid to them in smaller some so that you can take care of bills that need to get paid while you're going through recovery in therapy.
Aflac is more a supplemental insurance company than it is a disability insurance company. Aflac is an excellent choice if you think you'll be affected by hereditary ailments.
Those who know they have a family history of heart disease or cancer may decide that getting a flag would be a good choice especially when the treatments for these diseases can be expensive to handle on your own.