One Day Pay^SM FAQ

Have questions about One Day Pay? We've got some pretty quick answers right here.

What is One Day Pay?

One Day Pay is Aflac’s way of making sure your claim gets processed the same day you submit it.

Who is eligible for One Day Pay?

One Day Pay is available to policyholders who file claims online through the Aflac SmartClaim process and all required documentation is electronically uploaded – Monday through Friday – by 3 p.m. Eastern time. For step-by-step tutorials on filing an online claim, go to aflac.com/myresources.

What is Aflac SmartClaim®?

Aflac SmartClaim is our innovative online system that allows policyholders the ability to file claims effortlessly online and upload supporting medical documentation with ease. Access SmartClaim from MyAflac.com or download the Aflac SmartClaim app to your mobile device. SmartClaim is available for most claims submitted on the following policies:

• Accident
• Cancer
• Hospital
• Specified Health
• Intensive Care

Download the Aflac SmartClaim Mobile App

Download Now

Why can’t all policies be filed using SmartClaim?

Currently, our systems do not support all products, but we are continuously working to improve your online experience with us.

Is One Day Pay available for Aflac Group?

No, not at this time, but we’re working on it.

Does it cost anything for One Day Pay?

Our One Day Pay service is available to all Aflac Individual policyholders, at no charge.

What happens if I have more than one Aflac policy, do I have to file a separate claim for each one?

Aflac will review your online submission under all of your eligible policies. Only one submission is needed to determine eligible benefits in your claim.

You say my documentation needs to be electronically uploaded. What if I don’t have access to a scanner?

• If you have a smartphone or tablet, just take a picture of your documents and upload them to the Aflac SmartClaim app.
• You may also take a picture of your documents; email them to yourself and save them to your computer. Then all you need to do is upload them to us.

What if I don’t have my claim documentation when I start the claim process?

You can simply upload the documentation to MyAflac in the 'Claims Details' section under "My Claims," or upload through the Aflac SmartClaim app.

What if I initiated an Aflac SmartClaim but mailed or faxed my supporting documentation?

Because faxing or mailing required documentation takes longer to receive than an electronic upload, the SmartClaim submission would no longer be eligible for One Day Pay.

How do I get paid?

1. Direct Deposit: your funds will be deposited into the financial institution of your choice.*
2. Conventional Mail: If you haven’t signed up with Aflac for direct deposit, your funds will be mailed to you by check.

*You must sign up for direct deposit at least 24 hours prior to filing your claim in order to have benefits deposited. The time it takes your bank to make funds available is not accounted for. Aflac cannot assume bank processing times and/or banking holidays. To sign up for direct deposit, visit www.aflac.com/mypolicy or download our Aflac SmartClaim app to your mobile device.