If you were first treated in an emergency room, please attach a copy of the discharge papers from the hospital. All medical bills and supporting documents related to your injury should verify the diagnosis, the specific procedure or treatment and the supplies used. Group Critical Illness Insurance Claims - Notice that the claimant's birth certificate is required with the other critical illness insurance claim documentation.
Please make sure your treating physician completes the second page Attending Physician's Statement. Group Cancer Insurance Claims - When you send your cancer insurance claim documentation, include a pathology report used in the diagnosis of a malignant cancer, any itemized medical bills with the diagnosis and procedure codes, and the claimant's birth certificate. Beneficiary's Statement for Death Claim - Certified copies of the deceased person's birth certificate and death certificate are needed to process your claim.
The beneficiaries must sign and print their name at the bottom of the claim form. Once a claim form has been received, it normally takes two to three working days to pre-process the claim before it is sent to the claims examiner for processing. During this pre-processing stage, the claim form is not accessible for review. It will become accessible once pre-processing is complete and the claim is entered into the claim system. Please closely follow the instructions on the claim form and sign in all places indicated before mailing it and all required documentation to us.
Major medical insurance pays for doctors and hospitals. Our coverage is designed to provide you with cash benefits, unless otherwise assigned, that you can use to help with daily expenses when you're sick or hurt—cash to be used as you wish to help you and your family with unexpected expenses. Call our Customer Service Center at Eastern time.
Each of our representatives is prepared to address questions about your insurance, and we're proud to offer interpretation services for over 50 languages. Benefits will be paid directly to you, the insured, unless otherwise required by law or otherwise assigned. You can also choose to direct a hospital, physician, or other health care provider to receive your benefits.
This is called assigning benefits, and you can do so by signing the appropriate section on the claim form or by signing an assignment of benefits at the health care provider's office. Yes, unless you live in the state of NY. Your direct deposit information should be submitted with your claim when filing online or when manually submitting documents. If you pay premiums under a flexible benefits plan with pre-tax dollars, or if your employer pays part or all of your premiums, some of the benefits you receive may be taxable.
Therefore you may receive a W2 form from your employer that will include the taxable benefit amounts you received. A form will also be sent for an disability benefits paid under a pre-tax plan. If you have questions about taxability of benefits, discuss them with your employer or tax advisor. Please closely follow the instructions on the form to receive the most efficient service. When a death occurs, the Beneficiary's Statement must be completed by the person or persons to whom the insurance may be payable.
If my disability claim is ongoing, will the initial claim form that I submit support my ongoing disability? Please submit all supplemental claim forms, updated medical information, and employer's verification that your claim examiner requests. Since disability claims can be ongoing, we will request periodic updates from you on your condition and return-to-work status. If you terminate your employment with your employer, you may opt to continue your current Aflac Group plan on an individual pay basis.
Please see your certificate for plan details. You will have four payment options: monthly electronic draft from your banking account, quarterly, semiannual, or annual direct billing. Electronic draft is available for monthly payment only.
Notices will be generated for premiums paid quarterly, semiannually, or annually when due. Whole Life and Universal Life plans accumulate cash value. However, it normally takes about three to six years for the value to build, depending on the plan.
You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs.
You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.
These costs include:. The Calculator incorporates data from numerous public sources including public health, healthcare providers and voluntary health organizations to show the average costs of a variety of medical conditions. The data presented in this tool is for illustrative purposes only.
The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a year period, across all product plans in force at the time. The values represent the average amount of claims paid to a policyholder with the condition over the timeframe Aflac policies are not available in all states and may vary by state and plan level.
Benefits payable are determined at time of claim. The information provided in the Benefits Estimator tool is illustrative only. Benefits are payable at the time a claim is processed. Notifications from Aflac. Dismiss all notifications closes this dialog. High Contrast Mode. Business Owners Aflac lets you provide your employees with outstanding benefits without costing you a penny.
Agents Explore the unlimited potential and flexibility that comes with the opportunity to become an Aflac insurance agent. Brokers Offer your clients better benefit options with Aflac supplemental insurance policies. File a Claim. Benefits are payable at the time a claim is processed. View Data Sources to see our underlying sources. Notifications from Aflac. Dismiss all notifications closes this dialog. High Contrast Mode.
Business Owners Aflac lets you provide your employees with outstanding benefits without costing you a penny. Agents Explore the unlimited potential and flexibility that comes with the opportunity to become an Aflac insurance agent.
Brokers Offer your clients better benefit options with Aflac supplemental insurance policies. File a Claim. Products Products. Resources Article Topics. Request a Quote. Benefits Estimator. Are you a resident of the state of Wyoming?
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