Hellobee Boards

Yes, I used it once and will use it again. It was very easy once it was set up.

For the time until you get paid part, I believe that depends on the plan you choose. Mine has a 2 week period before getting paid, I think. Shorter times are more expensive. However for maternity leave, I don't think it affects the total time you get paid for. (Bear in mind, I could be wrong about this part since I didn't pay much attention to it, I just got the cheapest plan). Also note that the birth must occur 10 months or more after your plan starts (i.e. they want to know you are not pregnant when you sign up). My plan paid 6 weeks for vaginal birth or 8 weeks for c-section, at 60% of your pre-tax salary.

Claiming was easy. I emailed our Aflac rep a couple weeks before I was due and she sent me the claim form. I got it filled out after LO arrived and faxed it in once it was ready. I honestly don't remember how long it took to get paid, but not long at all. I remember being surprised at how quick and painless it was.

@josina: Yeah, we were originally told that it would cover us for 12 weeks, but my coworker found out the hard way that it's only 5 (we have a 1-week period that is not covered). I have 1.5 weeks of vacation saved up to cover me for that period and I'm going out in the middle of a pay period, so I'll at least get one more full paycheck. But to say I am disappointed and angry is an understatement.

@josina: Both of us are taking the full 12 weeks off that our company allows, it was just so nice thinking that we would get some kind of pay for the whole time. Last time I got paid half for 8 weeks because I saved up all my vacation/sick time.

@josina: in general, a standard benefit is 6 weeks for an vaginal delivery or 8 for a csection. Most plans have an elimination period before benefits begin, 8 days or 14 days is standard for a sickness which is what pregnancy falls into. Most group disability plans will pay the full 6/8 weeks after the ep, but since you have individual coverage with Aflac it could be different. at least that's how I think it normally goes.... I feel like I'm a little too tired to think correctly! Ha!