Aflac Insurance

[HP911]

Any LEO's here use Aflac insurance? What was the experience like in terms of coverage, payout etc? We have a rep that visits our station pretty regularly after briefing but I never paid too much attention.

If you're using another type of insurance to for off duty coverage, I'd be interested in hearing about it as well.

Thanks!

[HAVOC5150]

My agency offers it and a lot of us like it. Example, one of the guys I work with, his wife was diagnosed with cancer. He told me that AFLAC paid him out over $80K. I have other guys that get injuries off duty and instead of burning their comp, sick leave, vacation it covers a sizeable portion of it including hospital visits etc. I have it and have yet to use it, but they pay everything retroactively as well. So I just have to send in all the info that I have from injuries I received on and off duty and they will send me a check. IN my opinion it is worth the $45 a pay period.

[SMarquez]

I retired from FD 3 years ago but back then the coverage for on duty injuries was expensive. $300/month or so. The IOD policies were from going back a long way. AFFLAC eventually had to raise their prices to newer customers. There is also Combined Insurance and another called Continental or Colonial. I used combined and was able to keep stay at 100% pay after I started running out of time. I raced with this group and nearly all had some coverage.

http://www.firepolicemx.com/FirePoliceMX.com/Home.html

[Doheny]

My wife and I had while we were still on the job (her = LEO, me = Fire.) We used it a handful of times and they always paid quickly. She was qualifying once with her rifle and a case flew in her collar and landed on the back of her neck. She ended up with a dime size scar and Aflac sent her a nice check since it was considered a disfigurement.

[retired]

I have nothing but good to say about AFLAC. I've had it since 1988, when a Fresno deputy (who I got to know well), working part time for AFLAC, visited all of the dept. units. In 1991, I had my first back surgery and was in ICU for 24hrs. AFLAC paid me for the period I was there.

I also have the 7 deadly diseases plan. One day in 2008, my wife called to make a payment and the lady advised her afterwards that we would be receiving a check for the full amount of our premiums over the last 20yrs. She said this was because I hadn't made a claim for that plan over those 20yrs. If I knew about that, I certainly didn't recall it, so it was a fantastic piece of news. I'm hoping in 2028, I will get a similar check. If I do, that will be good on 3 levels: 1. I'll receive a check for $4000 again, 2. I will not have fallen ill with any of the listed conditions in the plan and 3. I'll still be alive.

ETA:

but they pay everything retroactively as well.

Check with them on this as there is a time limit on how far back they will do this unless this changed. The claim period wasl only be a year retroactively when I purchased the plan.

[AG166]

I have AFLAC and have used it a quite a few times. My AFLAC rep is great and she knows the program extremely well. I've never had a problem with them and they've always paid quickly. I'd rate them A+ for customer service. If you need an AFLAC agent and live in Southern California, let me know. I'll forward her name and info over to you.

[3S16]

I got Aflac as an addition to my primary insurance through my association insurance plan. My wife was diagnosed with ovarian cancer. $735,000 later she survived and has been cancer free for 22 years. Aflac was a great help with day to day expenses. Bottom line - the whole bill was covered.
AFLAC is good to go!!

[CinnamonBear723]

I have it. I love it. Get the accident coverage. That's all you need to know.

[retired]

I got Aflac as an addition to my primary insurance through my association insurance plan. My wife was diagnosed with ovarian cancer. $735,000 later she survived and has been cancer free for 22 years. Aflac was a great help with day to day expenses. Bottom line - the whole bill was covered.
AFLAC is good to go!!

Fantastic news about your wife, AFLAC aside.

[3S16]

Thank you "Retired". It was a horrible journey. But in the end, my brother association members gave 100+ hours of there comp/vacation time to make it possible for me to be by her side.
Thank you
VENTURA COUNTY SHRIFF'S DEPUTY SHERIFFS ASSOCIATION!!

[keenkeen]

I have it. I love it. Get the accident coverage. That's all you need to know.

It seems like we need to know more...

[HP911]

I have it. I love it. Get the accident coverage. That's all you need to know.

Can you explain further? I was mainly looking at the Disability Coverage.