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Claims Paid Fast

When you use Aflac SmartClaim® filing your claim online is an easy way to get paid fast.

File Your Claim

File your claim online to take advantage of:

• Faster payments with Direct Deposit
• Receiving communications via the Message Center
• Tracking your claims online with the Claims Status Tracker

For step-by-step tutorials on filing an online claim, please see our claims checklists.

Download a Claim Form

Choose your state of residence and select the appropriate form(s).

Submit loads the forms for the selected state.

    Life claim forms for the state of Illinois must be obtained by contacting Aflac Worldwide Headquarters at 800.992.3522 to have the appropriate forms sent to you. Our customer service representatives are here to assist you Monday through Friday from 8 a.m. until 8 p.m. Eastern time.

    To submit your claim via mail:
    Mail: Aflac, 1932 Wynnton Road, Columbus, GA 31999

    If you disagree with a claims decision, you may submit an appeal, citing supporting policy provisions:

    Mail: Aflac Claims Appeals, PO Box 84065, Columbus, GA 31908-9998

    Please use the claim appeal form to organize your request. Please be sure to explain why you disagree with Aflac's decision, and include any additional supporting documentation.

    You have the right to appeal a decision up to a maximum of three times per claim.
    All appeals must be submitted within 180 days of the original claim decision.