I recently was involved in an accident and fractured my leg. I was off work for a month.
After submitting all the paper work I received a check for $72. It should have been $1300. After contacting the company I was informed that a broken leg only qualifies for disability if you have to be cut open. Having a cast put on does NOT qualify you for disability.
So as far as I can tell this policy is not worth the paper it is written on!! I paid on this policy for five years and this is my first claim.
As far as I'm concerned I was scammed from day 1!! The same type of policy from AFLAC payed $1500!!