My employer now offers AFLAC insurance through our open enrollment. Does anyone here have it? Is it worth getting or is it a rip off? The critical illness, hospital indemnity, and accident insurance are each 10-15 dollars per month.
I'm type 1 diabetic, but well maintained. I'm also in my forties. I would mostly get it in case I got into an accident or got some kind of surprise major illness with long hospitalization. I already have medical coverage, and short and long term disability through my job but I thought the extra cash might be nice if there were some major event.
I was just wondering if anyone had experience with it, such as if filing claims was a PITA.
We offer it, but I don't use it. I think it can make sense if you can't afford your deductible or engage heavily in activities where you might be more accident prone. The cancer coverage seemed interesting but I didn't really look into it. All employees have been happy with the claims process.
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