I have not yet come to a conclusion of whether or not to get aflac.
but I have come to a conclusion of what plans I definetely will not get.
disability plan is for those first 3 months in which regular disability does not kick in, but you still remain without a paycheck, says the aflac guy. And he goes on to ask us how many of us can't wait for the next paycheck? what would happen if we had to go without a paycheck for the next 3 months?
To me the answer is simple, very simple - our savings would suffer. Because my husband and I make a point of putting money aside for savings every paycheck, we know that we could go a few months without income, because our savings would take care of us ad our bills.
Aflac disability plan seems to me a great idea for anyone who lives to the most of their financial abilities. Anyone with credit card debt, any one who uses every penny of their paycheck every week.
It's not smart for people who choose to live below it in order to save or the future like we do. We are already doing aflac's job for ourselves.