Aflac??

Do any of you ladies have it? I need some advice before possibly getting before we are pregant.

Re: Aflac??

I don't have it but considered getting it a few years back (my current employer offers it). I've met with several of the AFLAC reps and my job still offers it, so I might be able to help.

FYI - the reason I chose not to get it was because everybody who had it had problems and it took forever for them to be reimbursed. Seemed like more of a hassle than it was worth.

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We have it for certain things.

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It was just offered to us and since we are TTC it would be great, disablity and hospital. But the thing is the salesguy is saying as long as Im not pregnant when I sign the papers I'll get my money but the papers say 10 months, he says dont worry about it!!

Re: Aflac??

I have it.
I have a policy that pays 80% of my salary, after a 2wk wait. I can also collect disability at the same time as collecting AFLAC. The money is taken out of my paycheck after tax, so I do not have to pay tax on the disbursements.
I was also told that I would have to wait 10 months after signing to get pregnant. For me it was over a year, so that is not an issue.

Re: Aflac??

I heard you have to wait one month before getting pregnant, that you cannot collect until 10 months later (1 month plus 9 prego). My cousin sells the insurance I can check with her.

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I have something similar to Aflac and will be canceling after my maternity leave. DH and I figured it out and in the end it's not worth it. I pay $25 a week for it. If you have a vaginal birth you only can technically be on disability for 5 weeks so some plans you do not start getting paid until after the first week or second week of disability. Mine is after the first. So I would only be getting 4 weeks from my plan. So in the long run I have put in way more then I will get back. If your plan does not start until after the second week you would only get 3 weeks of pay.

Each plan is different some pay up to 80% of pay or some will pay up to a certain dollar amount. Mine pays up to $1500 a month.

I think it's good if you have the extra money but there are a lot of things I could do with an extra $100 a month. I could also put it into the bank and have it collect interest or put it towards my 401k.

If I had the extra money I would keep it but for me right now it's not worth it.

Re: Aflac??

baby center forum


OK I researched online and found another forum where this is being/has been discussed.

HTH

Re: Aflac??