One Day Pay^SM FAQ

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

What is One Day Pay^SM?

No one can process and pay faster than Aflac. One Day Pay^SM is Aflac’s way of making sure your claim gets processed and approved the same day you submit it, so you can get paid in a day, to help your life stay on track. We’re built to process and pay, and not to deny and delay.

How does it work?

One Day Pay applies to claims submitted online through the Aflac SmartClaim^® system at www.aflac.com/mypolicy. But why read the book when you can see the movie? We’ve made a short, 2-minute video that takes you through the step-by-step process of how One Day Pay works. Just grab some popcorn and see how it works.

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What do I have to do to get my claim paid in one day?

It’s simple. All required documentation needs to be electronically uploaded—Monday thru Friday—by 3:00 PM Eastern Time. Once we receive it, we’ll have your claim processed before midnight that same day. This means, you’ll be paid in just a day.

How will I receive my claim funds?

There are two ways you can receive your funds:

1. Direct Deposit: If you’ve already signed up with Aflac for Direct Deposit, your funds will be deposited into the financial institution of your choice the next business day after filing your claim.
2. Conventional Mail: If you haven’t signed up with Aflac for Direct Deposit, your funds will be mailed to you, in the form of a check, the next business day after filing your claim.

At Aflac, we recommend that you sign up for direct deposit, at your convenience, even if you’re not currently making a claim. That way you’ll be prepared to take advantage of the full speed of One Day Pay^SM if you ever need to make a claim. To sign up for Direct Deposit, visit www.aflac.com/mypolicy today.

Does it cost anything to sign up for One Day Pay^SM?

Nope. Nada. Zilch. In other words, nothing. Our One Day Pay^SM service is exclusively available to all Aflac Individual Policyholders, with qualifying policies, at no charge.

To take advantage of the speed and convenience that One Day Pay^SM offers, all you need to do is sign up for Direct Deposit by visiting www.aflac.com/mypolicy today.

What types of claims may be filed using Aflac SmartClaim^®?

Aflac SmartClaim^® is available for the following Aflac policies:

• Accident
• Cancer
• Hospital
• Personal Recovery
• Personal Sickness including Hospital Indemnity, Intensive Care and Specified Health Event policies
• Critical Care

We process, approve and pay policies that are not submitted through Aflac SmartClaim^® in an average of 2.1 business days. You can sign up for direct deposit for even faster payment at www.aflac.com/mypolicy

Why can’t all policies be filed using Aflac SmartClaim^®?

Unfortunately some claims cannot be filed through Aflac SmartClaim^® because they require signed employer and physician statements, which may take several days to obtain.

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

No. It's just one form and you’re done. Aflac proactively looks across all the policies you have with us. So if you have other policies that are eligible for filing through Aflac SmartClaim^®, we will automatically add them to the claims process and apply any common documentation. Easy peasy, yes?

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

No scanner, no problem. If you have a smartphone, just take a picture of your documents, email them to yourself and save them to your computer. Then all you have to do is upload them to us. (It’s like your documentation taking a selfie. Isn’t technology great?)

What if I don’t have a scanner, smartphone or access to a computer?

No need to panic, you’re still in luck. We process, approve and pay in an average of 2.1 business days by simply submitting your claim by fax or through the mail. You can sign up for direct deposit for even faster payment at www.aflac.com/mypolicy

What if I don’t have my claim documentation when I start the Aflac SmartClaim^® process?

No worries. We thought about that, too. You can simply upload the documentation within 28 days of completing the Aflac SmartClaim^® process in the ‘Claims Details’ section under ‘My Claims’ at www.aflac.com/mypolicy.

You processed my claim quickly but it took me 5 days, beyond the date the claim was paid, to receive my check in the mail.

Unfortunately, mail time is not accounted for because we can’t assume mail times and volumes for the U.S. Postal Service. However, to receive your claim payment more quickly in the future, please enroll in Aflac Claims Direct Deposit by visiting www.aflac.com/mypolicy today.

You processed my claim quickly but it took me 2 days beyond the date the claim was paid to receive my claim payment in my bank account.

Unfortunately, the time in which it takes your bank to post the funds as available is not accounted for because we cannot assume bank processing times and/or banking holidays.

What if I initiated my claim through Aflac SmartClaim^® but mailed or faxed my supporting documentation?

If you initiated your claims through Aflac SmartClaim^® and didn’t electronically upload the required documentation, the normal 4-day processing goal applies. We process, approve and pay policies that are not submitted using Aflac SmartClaim^® in an average of 2.1 business days.

Submitting your documentation through the electronic upload function in SmartClaim is a requirement for a claim to qualify for One Day Pay^SM.

What if I file my claim through Aflac SmartClaim^® with all my required documentation uploaded during the weekend or a holiday?

Your claim will be reviewed and processed the next business day.

Is One Day Pay^SM available for Group claims?

Not yet. We hope to offer this—and group hugs—soon.

Hopefully, we’ve answered your questions. If not, just give us a call.

If you have any further questions or concerns, regarding One Day Pay^SM or Aflac SmartClaim® services, please call us toll-free at 1.800.992.3522. Our customer service representatives are available Monday through Friday, from 8 a.m. to 8 p.m. Eastern Time.

Thank you for trusting us with your insurance needs. At Aflac, we do everything possible to pay your claim as fast as possible—because your expenses won’t wait. And neither should you.