My parents paid long term care insurance premiums for 20 years. At age 88 my Mom fell and would have seemed to qualify for what they were paying for "nursing home insurance". AFLAC used every technicality they could, interpreted the ambiguity in the old policy (which they don't sell anymore) to not play the long term care benefit. Each subsequent denial letter included a new reason for denial. They do not stand behind what their agents sell. They do not have any control over what their agents represent about them. The president does not take nor respond to complaint letters. He hands them down to those who get paid to deny. Don't put your life or income into AFLAC's hands. You will not be able to count on them