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Claims Paid Fast

When you use Aflac SmartClaim® to submit accident, cancer, hospitalization or illness claims online you’ll get paid fast.

Log In to your account

Click. Submit. Smile.

Use Aflac SmartClaim to get paid fast.

Register or log in:

1. Go to or download the MyAflac Mobile app from the App Store or Google Play Store.

Enroll in claims direct deposit:

1. Direct Deposit allows you to get paid fast.
2. Click Direct Deposit and follow the instructions for registration.
3. Please allow one business day for Direct Deposit enrollment to take effect.

File your claim with Aflac SmartClaim®:

1. Access Aflac SmartClaim from MyAflac or the MyAflac Mobile app.
2. Aflac SmartClaim guides you every step of the way.
3. Upload required documents.1

Information you may need to file your claim

  • Policy number
  • Patient’s name and date of birth
  • Diagnosis
  • Description of service
  • Date(s) of service
  • Name and address of service provider

Track the status of your claim

View your message center on the MyAflac Mobile app or in MyAflac for updates on your Aflac SmartClaim submission.

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

Follow these two simple steps to get paid fast:

Log in to Aflac SmartClaim®

If you have a question about how your claim was processed or 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.