Allen Jones, Texas? Maybe I would like to talk to you. I am having a nightmare with CIGNA short term disability.

I live in Arizona and had GREAT service. Maybe it's worse if you're in a big city, but agents with tons of work who can't remember who you are will always be a problem regardless of who you get insurance from. My mom had this issue with Blue cross years ago.

Also, @ enchntdforest2: of course you have to PAY for your insurance regardless of whether or not you work. DUH!!! I've never heard of an insurance company that doesn't require getting paid for the coverage they provide, unless you have a policy where your disability waives payment (which Aflac ALSO has).

To my knowledge, Aflac is great at paying policies.

I have had three Aflac policies for several years now, including accident, disablity, and life. Originally bought them at a group rate when my company offered it to us, which is good discount vs buying directly from the company (and I get the keep the GROUP rates if I leave my job and go somewhere else). I am not disabled or dead (YET!), but we did receive about $4200 when my husband's leg was shattered at his other job last year (he was on my accident policy). The money really helped us!

Most expensive rates in the Industry. Worst in customer service.
HR people hate the billing problems, employees hate the 35 minute hold times on the phone.

well i have a home injury to my leg..aflac has been a nightmare..i fax over paperwork and in return i get oh we dont have it we cant find it bla bla bla..i am sitting here without a dime..and to let u all know something..you still have to pay for yur policy even tho u arent working..so im paying them 150 every 2 weeks and havent seen a dime from them..they are the most unorganized company i have ever seen..every time u call them u get a different representative and no one knows what u r talking about..i think they drag things out on purpose so they dont have to pay you..save your money and do not get this!!i will be canceling as soon as i go back to work!!!aflac stinks!!!and i was so excited to have it!!