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Aflac question


Hello everyone.

I’m meeting with an AFLAC representative this week and I’d like to know if anyone has any experience with them. Good or bad.

I see they have many different types or coverage, but I’m really on interested in short term and long term disability. And what if you have a preexisting condition like neck issues or a torn rotator cuff, will they cover surgery for those if you have already been diagnosed?

I know the representative will be my best bet for information, but I thought I’d ask here ahead of time to give me an idea of what they will be offering and how it works.