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Business Hours

Monday thru Friday . 8:00 AM - 8:00 PM EST

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Monday - Friday 8:00 AM to 11:00 PM ET
Saturday & Sunday 10:00 AM to 6:00 PM ET
Aflac will be closed on Wednesday, July 4, 2018.

Current time: 1:52 pm EDT
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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
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Click. Submit. Smile.

Use Aflac SmartClaim to take advantage of One Day PaySM.

Register or log in:

1. Go to aflac.com/myaflac or download the Aflac SmartClaim Mobile app from the App Store or Google Play Store.

Enroll in claims direct deposit:

1. Direct Deposit allows you to take full advantage of the speed of One Day Pay.
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 Aflac SmartClaim Mobile app.
2. Aflac SmartClaim guides you every step of the way.
3. Upload required documents.1
4. Submit your claim before 3 p.m. ET, Monday-Friday.

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 Aflac SmartClaim 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 how-to videos or download our claims checklists.

Follow these three simple steps to qualify for One Day Pay:

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1. USE AFLAC SMARTCLAIM®
Log in to Aflac SmartClaim®
Documents
2. UPLOAD SUPPORTING DOCUMENTS
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3. SUBMIT BY 3:00 PM ET

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.