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Individuals & Families

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File a Claim

Claims Paid in Just a Day

When you use Aflac SmartClaim® to submit accident, cancer, hospitalization or illness claims online (by 3 p.m. ET Monday–Friday) you’ll get paid in just a day.

Log In to your account

To file your claim via fax or mail, simply download the appropriate forms below, and send to us with all necessary supporting documentation.

For step-by-step tutorials on filing an online claim, please see our how-to videos or download our claims checklists.

Download a Claim Form

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

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Submit

    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 fax or mail.

    Fax: 877.442.3522

    Mail: Aflac, 1932 Wynnton Road, Columbus, GA 31999

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

    Fax: 888.659.1023

    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.

    One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2019.

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