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post #1 of 19 (permalink) Old 04-22-2009, 08:16 AM Thread Starter
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aflac

any downsides?

my company just started offering thier services, it soiunds great, anyone know if theres any downsides or pitfalls in thier programs?




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Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

- Ronald Reagan

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post #2 of 19 (permalink) Old 04-22-2009, 08:20 AM
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this guy is always quacking


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post #3 of 19 (permalink) Old 04-22-2009, 08:23 AM Thread Starter
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The duck is awesome!




HDTony.... Damn glad to meet you!

Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

- Ronald Reagan

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post #4 of 19 (permalink) Old 04-22-2009, 08:28 AM
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I would guess the cost if anything is a downside.

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post #5 of 19 (permalink) Old 04-22-2009, 08:30 AM
 
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I have Aflac accident insurance. I got it specifically for the street/dirt riding that I do. Haven't had to use it yet.
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post #6 of 19 (permalink) Old 04-22-2009, 08:32 AM
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I had it as well for a while in my last job; the cost was small compared to the payout in case of an accident. I had just started track riding that summer so it seemed like a no-brainer (the "getting the insurance part", not the "riding the track" part )

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post #7 of 19 (permalink) Old 04-22-2009, 08:33 AM Thread Starter
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from what the lady says, you say ouch, and you cash a check. and let me tell you, i say ouch a lot while dirt riding




HDTony.... Damn glad to meet you!

Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

- Ronald Reagan

AirTek Heating & Air inc.
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post #8 of 19 (permalink) Old 04-22-2009, 08:43 AM
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Quote:
Originally Posted by HDTony View Post
any downsides?

my company just started offering thier services, it soiunds great, anyone know if theres any downsides or pitfalls in thier programs?
I have short term disability and I used it when I had my daughter. Man, I got a payment a few days after turning in the paperwork. I think it's awesome. I have a coworker who has a bunch of there services and got 7K back after having a surgery!! No negative comments from me. Oh yeah, I pay $18 every 2 weeks. Not bad!

Isn't it the freakin' weekend yet???
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post #9 of 19 (permalink) Old 04-22-2009, 08:51 AM
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I actually have a disability policy with State Farm, the coverage isn't nearly as good as some of the disability policies I've had in the past. I would love to be able to get AFLAC again.

FWIW, I pay $20ish a month for $1000 a week after 30 days with SF.
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post #10 of 19 (permalink) Old 04-22-2009, 11:06 AM
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You can never have too much insurance....when it's needed.

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post #11 of 19 (permalink) Old 04-22-2009, 07:34 PM
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Quote:
Originally Posted by HDTony View Post
from what the lady says, you say ouch, and you cash a check. and let me tell you, i say ouch a lot while dirt riding
I was going to classes to sell it, its pretty much that simple.

Even heroes know when to be scared.
..As I shifted into 6th, I forgot every f'in thing she said..
Im a fuel injected suicide machine!
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post #12 of 19 (permalink) Old 04-22-2009, 08:07 PM Thread Starter
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Cool I'm signing up. the way I figure it I should be getting a check every monday after dirtbiking




HDTony.... Damn glad to meet you!

Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

- Ronald Reagan

AirTek Heating & Air inc.
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post #13 of 19 (permalink) Old 04-22-2009, 09:22 PM
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the commercials make it sound pretty good

Fat Pat #728

If you don't like my fire, then don't come around...
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post #14 of 19 (permalink) Old 04-22-2009, 09:41 PM
 
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Aflac is pretty shady. I get emails from them all the time about "account executive" career oppurtunities and they never ever respond when I reply to them.
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post #15 of 19 (permalink) Old 04-22-2009, 10:01 PM
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I have one of their accident policies through work, never made any claims on it yet. People at work that have used it say they pay promptly. I have a policy that will include the payment for the helicopter ride - thats the only reason I got it - hopefully I will never use it, but its nice to know it will be paid as the fine print on most health insurance does not include the full cost of life flights.

"When in doubt, use full throttle. It may not improve your situation, but it will end the suspense."
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post #16 of 19 (permalink) Old 04-22-2009, 10:02 PM
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Quote:
Originally Posted by HDTony View Post
Cool I'm signing up. the way I figure it I should be getting a check every monday after dirtbiking
Don't quote me on this one, but I think you have to use a week of time off before you can start with the short term disability
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post #17 of 19 (permalink) Old 04-22-2009, 10:18 PM
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It is short term only. Most people can deal with short term loss. It is long term loss that will mess your life over. IMO, get a good disability income and long term care policy. It will serve you and your family better.

There is nothing firm, nothing balanced, nothing durable in all the universe. Nothing remains in its original state, each day, each hour, each moment, there is change. Change is the essence of life. Embrace change as you do life. To fight change is to live in the past.
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post #18 of 19 (permalink) Old 04-22-2009, 11:35 PM
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jen signed us up for this... can never have too much coverage IMO.
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post #19 of 19 (permalink) Old 04-23-2009, 08:33 AM Thread Starter
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Quote:
Originally Posted by Blade Runner View Post
It is short term only. Most people can deal with short term loss. It is long term loss that will mess your life over. IMO, get a good disability income and long term care policy. It will serve you and your family better.
oh i have that already. I also have a plan through state farm that gives me a set amount monthly to pay cover my mortgage.




HDTony.... Damn glad to meet you!

Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

- Ronald Reagan

AirTek Heating & Air inc.
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