I want to warn prospective clients of AFLAC: DO NOT BUY THIS DISABILITY INSURANCE: They are a scam and worse. They take your hard earned money and give you nothing in return should you need to file a claim. I had surgery May 6, 2010 necessitating filing a claim with AFLAC, and being out of work on disability for 6 weeks. I was told by AFLAC they would pay one day of disability! DO NOT FALL FOR THEIR FALSE CLAIMS! YOU WILL BE SCAMMED OUT OF YOUR MONEY! read full review »