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I have paid my Aflac premiums for Short term disabilty faithfully for 3 years and now that I am actually out and in need of my money it has been one problem after another. My faxes are never received or they accidentally misread something. Every person you speak to tells you a different story and it delays the claim process. When I finally had it ready then they inform me that my policy had been terminated at their fault. They would need to reinstate the policy which delayed the claim even further. Needless to say 6 weeks later and I still have no money! I would not recommend them to anyone!!