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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.
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Q. How long do I have to file a claim? A. There is a one-year timely filing provision in your certificate.
Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting disability begins more than 12 months after the Effective Date of coverage.
We will pay the amount shown when, because of a covered accident, you are injured and those injuries cause confinement to a hospital for at least 24 hours within 90 days after the accident date. The maximum period for which you can collect the Hospital Confinement Benefit for the same injury is 365 days.
Please submit the pathology report used in the diagnosis of a malignant cancer, the claimants birth certificate, and any itemized medical bills with the diagnosis and procedure codes, as well as a signed and dated Authorization for Disclosure of Health Information (HIPAA form).
1If all documentation is not available upon initial claim filing, you may upload the documents later by clicking Upload Documents on the mobile app or MyClaims on desktop. Register or Log in: Go to aflac.com/myaflac or download the Aflac SmartClaim Mobile app from the App Store or Google Play Store. One Day Pay*.
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People also ask

HCFA 1500 (non-hospital bill). Motor vehicle accident (MVA). Authorization to obtain information (AU). (This allows Aflac to request additional documentation on your behalf.)

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