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smileforme50 -> RE: Have Any Of You Ever Had AFLAC? (1/20/2014 8:29:47 PM)
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I work in human resources benefits management. Like any other kind of insurance, it's a bit of a gamble. You might sign up for it and then never need it....and feel that you have wasted the money on it. You may decide to forfeit it....and then later have something happen where it would have been a great help.
There are 3 major things to take into consideration....
1. What is your current age and health situation? Do you think you may be at risk for a long term illness or injury? Does your job involve anything physically risky or do you participate in any sports or other activities which might put you at a higher risk for a serious injury?
2. What is your current income situation? Can you spare the cost out of your current pay or do you already live paycheck to paycheck? Do you rely on JUST your income or do you have a working partner to help cushion the cost of the insurance?
3. Do you have any dependents that would be acutely affected if you were out of work for an extended period?
Meaning....if you're 20-something, healthy, don't get into a lot of physically risky activities, and have no dependents....that's one thing. But if you are 50-something, have the wife, kids, house and a heart condition.....then you need to look at it differently.
I don't know what to tell specifically about AFLAC....those things you need research regarding your employer's particular policy and whatever restrictions it might have.
Good luck
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