I had knee surgery October 20th. I filed my claim the following week. They sent me a letter requesting my physician's notes. My physician's admin sent the information. When I phoned AFLAC, they told me there was a income discrepancy between what I submitted & what the job submitted. They also told me, once they clear that matter up, they'd have to reimburse me for the money I had been paying at a higher premium. I sent emails to 2 agents & headquarters. As of today, I'm still waiting for my claim to be disbursed... read full review »