My daughter was diagnosed with scoliosis and I have Aflac insurance. Can I receive benefits?

  1. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    The first answer would be "no" as these policies are for the named insured. That said, without seeing what you've purchased from Aflac, I can't for certain say "no". It will depend on what policies you have taken out and what triggers a payout.  If you've insured your daughter under any policy, it wouldn't hurt to call the carrier and ask the question.
    Answered on November 27, 2013
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  2. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    I will assume that your daughter is covered as a dependent under your AFLAC policy.  AFLAC is not major medical health insurance, it is a supplement to major medical insurance designed to pay directly to the policyholder as opposed to a health care provider.  AFLAC's policies are designed to deal with specific types of situations such as a critical illness (which they spell out specifically what conditions qualify as a critical illness), cancer, short term disability, hospital indemnity plans, accidents and life insurance.

    Other than the slight chance of a short term disability policy coming into play or some aspects of a hospital indemnity policy if your daughter was covered and met the contract terms for being hospitalized and/or disabled, I do not believe there will be circumstances where an AFLAC policy would pay out for a person diagnosed with Scoliosis.
    Answered on May 19, 2014
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