As I'm reading the comments about
what is covered and amounts, I am reminded that there are dozens of variations and rider possibilities, which depended a lot on how your company at the time negotiated.
I had forgotten about mine - I started it about 10 years back, when it was offered at work. I converted mine to individual when the company dropped it.
Yes, I had the same concern - what would they do to get out of it? Would have been easy, because the policy says you should file within 90 days of the primary treatment (i.e. after surgery). I forgot it, and realized I had it almost a year later. I had done the "up-front first cancer" rider, which paid based on the date of diagnosis, so they dropped that from the monthly premium. That was the only glitch, as they paid the first cancer up to date of Dx, but didn't back-date the premium drop. It was a $60 argument that was easy to forget. But it was almost a year from primary treatment, so if they had wanted to deny it, they could have, so I have to be very happy.
After I filed the claim, the agent who sold it to me originally called me, and went through everything I had done to be sure I had not forgotten something (doctor visit, treatments, etc.) that would qualify for coverage.
I can't say I got a cruise out of it, but since I have an ultra-high deductible on my company health policy, it just about covered my two years out-of-pocket amounts that I've maxed (one year DaVinci, next year IGRT).
There is a trick. If you didn't have the "first diagnosis" rider, and didn't have to go to RT or HT, mine would have paid just about what I had paid into it as premiums over the years.
Nothing here other than good to say about my experience with AFLAC.
Moderator - Prostate Cancer(Not a medical professional)
My adjuvant IGRT journey (2010) - www.healingwell.com/community/default.aspx?f=35&m=1756808