Aflac LTD Denial? We’re Champions for Folks Who Need Help.

1. Introduction: Understanding Aflac and the Long-Term Disability (LTD) Landscape

Aflac, officially the American Family Life Assurance Company of Columbus, is a household name in the insurance world—well known for its quirky duck mascot and supplemental health coverage. But for claimants pursuing a Long-Term Disability (LTD) claim, especially through Aflac Group Insurance, the process can be anything but lighthearted. As a Fortune 500 company and major player in the U.S. disability insurance market, Aflac offers LTD benefits primarily through workplace payroll deduction programs, often marketed alongside short-term disability, accident, and cancer policies.

Founded in 1955 and significantly expanded by its acquisition of Continental American Insurance Company in 2009, Aflac's LTD offerings have grown—but so too have reports of claim denials, delays, and procedural complexity. While Aflac advertises quick cash benefits and peace of mind, the reality of filing an LTD claim with Aflac is often more adversarial than expected, particularly for those with invisible disabilities or policies governed by ERISA (the Employee Retirement Income Security Act of 1974).

For policyholders dealing with a denied Aflac LTD claim, or those struggling to get clear answers from claims adjusters, understanding the company’s internal practices, policy definitions, and the structure of Aflac Group Insurance is key. The experience can feel very different depending on whether your policy is governed by ERISA, tied to a workplace benefit, or administered under older individual plan terms. Many claimants are surprised to discover their LTD policy is governed by ERISA, a federal law with strict procedures, limited remedies, and a narrow window for appeal. This makes early strategy and expert guidance even more important.

2. Navigating Aflac LTD Claims: Common Challenges and Tactics

Summary: Aflac LTD claims are often denied or delayed due to strict policy definitions, aggressive investigative tactics, and procedural barriers. Common issues include the insurer's demand for objective medical evidence, narrow interpretations of policy language, and frequent use of IMEs and surveillance.

Filing a Long-Term Disability claim with Aflac can be unexpectedly difficult, particularly for individuals dealing with chronic illness, mental health conditions, or disabilities without easily measurable test results. If your Aflac long-term disability claim has been denied—or you’re stuck in a loop of delays, repeated document requests, or unclear communication—you’re not alone. Many policyholders describe the experience as frustrating, opaque, and out of sync with Aflac’s friendly branding.

2.1. Frequently Cited Reasons for Aflac LTD Denials

Aflac may deny or terminate LTD claims based on several recurring justifications:

• Insufficient Medical Evidence: Aflac often demands “objective” proof such as imaging or lab results—even for conditions where such proof is hard to obtain (e.g., fibromyalgia, chronic fatigue, or mental health disorders). They may disregard clinical notes or statements from treating doctors unless the documentation directly addresses functional limitations.

• Definition of Disability Not Met: LTD policies often transition from an “own occupation” standard (inability to do your specific job) to an “any occupation” standard (inability to do any job for which you are reasonably suited). This shift, usually at the 24-month mark, is a frequent point where Aflac terminates benefits.

• Pre-Existing Condition Exclusions: If Aflac finds that the disability began soon after coverage started and traces back to a condition previously treated, it may invoke the pre-existing condition clause—even if that treatment was minor or routine.

• Procedural Missteps by Claimants: Missing deadlines for submitting paperwork, responding to requests, or appealing a denial can result in a loss of rights. This is especially risky under ERISA, which imposes strict timelines and evidentiary rules.

• Claim Rejected for Being Work-Related: Aflac LTD coverage is often “non-occupational,” meaning work-related injuries may be excluded. If your condition arose from your job, Aflac may argue it's a workers’ comp issue—even if you’re not pursuing such a claim.

2.2. Aflac's Review Tactics: What to Expect

In addition to reviewing submitted records, Aflac may engage in internal investigations to build a case for denial or termination:

• Paper-Based Medical Reviews: Aflac’s doctors—who never examine you—may issue opinions contradicting your treating physicians. Courts have criticized these “file reviews” when they dismiss long-term care from specialists without proper justification.

• Independent Medical Exams (IMEs) and FCEs: Aflac may require you to attend an exam with one of their selected physicians or physical therapists. These providers are often repeat contractors and may downplay your limitations.

• Surveillance and Social Media Monitoring: Aflac may conduct video surveillance or review your online activity, taking posts or brief outings out of context to argue your disability is exaggerated.

• Vocational Assessments: Aflac may conduct a transferability of skills analysis, claiming you can work in an alternate job despite ongoing impairments.

2.3. Procedural and Communication Hurdles

Even before a denial, many claimants face roadblocks that make the process feel adversarial:

• Slow or Conflicting Communication: Repeated calls, contradictory messages from different representatives, and long wait times are common frustrations.

• Requests for Redundant or Vague Documentation: Claimants often say they’re asked to re-send documents or submit information that has already been provided.

• Delays in Processing: System upgrades or “pending review” statuses can leave claims stagnant for months.

• Denials with Vague Rationale: If your Aflac disability claim is denied, the explanation may lack clear references to the policy or the exact evidence considered—making appeals difficult without legal help.

2.4. Special Challenges for Certain Conditions

Claimants with “invisible” disabilities or mental health challenges face an uphill battle. Aflac often applies a 24-month cap to mental health claims and may push to classify complex physical disabilities as mental in nature to limit payout duration. For conditions like:

• Fibromyalgia or Chronic Fatigue: Aflac may assert there’s no objective evidence despite longstanding symptoms and limitations.

• Depression, PTSD, or Anxiety: These are often dismissed without a full psychiatric evaluation, especially if treatment notes aren’t extensively detailed.

• Complex Neurological or Autoimmune Disorders: Cognitive issues, medication side effects, and fatigue may be downplayed or ignored in vocational assessments.

For those receiving LTD benefits from Aflac, the 24-month “definition change” is a critical pressure point where reevaluation intensifies. Without strong medical and legal advocacy, this is often when benefits are cut off.

3. The Claimant Experience: Reported Perspectives and Frustrations

Summary: Claimants frequently report frustration, emotional distress, and financial hardship when dealing with Aflac LTD claims. Common complaints include poor communication, inconsistent reasoning for denials, and a perception that Aflac prioritizes cost savings over policyholder needs.

While Aflac’s marketing emphasizes simplicity and fast service, many people seeking Aflac disability benefits describe an experience that feels overwhelming, confusing, and at times, adversarial. Especially when a long-term disability claim is denied or delayed, the emotional and financial toll can be immense.

3.1. Overview of Reported Sentiment

Claimants frequently turn to the internet to share their experiences—on the Better Business Bureau, ConsumerAffairs, Reddit, and Google Reviews. Although some policyholders praise Aflac for quick payouts on small claims (like accident or wellness benefits), the tone changes sharply for complex or high-dollar LTD claims. Themes of poor communication, claim denials, and repetitive document requests appear regularly.

Regulatory complaint data backs this up. According to the National Association of Insurance Commissioners (NAIC), Aflac consistently receives more complaints than average for insurers of its size. While not every complaint involves long-term disability claims, it’s a strong indicator of policyholder dissatisfaction, particularly around customer service and claim handling.

3.2. Common Complaints from Aflac LTD Claimants

Patterns reported by claimants who had their Aflac LTD claim denied—or delayed—include:

• Receiving the “runaround”: Being transferred between departments, getting conflicting answers, or waiting weeks for a call-back that never comes.

• Inconsistent or unclear letters: Denial letters that don't fully explain the rationale, making it hard to know what evidence is missing or how to appeal.

• Long hold times or chatbot dead ends: Many report difficulties even getting a real person on the phone to answer questions about their claim status.

• Repetitive documentation demands: Being asked multiple times for the same medical records or forms, even after confirming they were received.

• Unexpected denials after months of waiting: Some claimants report being told their case was "under review" for months—only to then be denied without warning.

These experiences not only frustrate but often undermine trust, especially when paired with the insurer's public promises of care and support.

3.3. The Real-Life Impact on Claimants

For people unable to work due to disability, delays or denials of LTD benefits from Aflac are not just procedural setbacks—they can trigger financial and emotional crises:

• Financial Fallout: Without monthly disability payments, many face unpaid bills, credit damage, or eviction threats. Some are forced to borrow from retirement accounts or rely on family for basic needs.

• Mental Health Strain: The uncertainty and administrative burden of appealing a denial, often while managing serious health conditions, can significantly worsen anxiety or depression.

• Relationship Stress: Strained finances and chronic stress often lead to tension within families, adding to an already difficult situation.

3.4. Specific Issues That Surface Repeatedly

Aflac claimants often point to deeper systemic problems beyond a single bad experience:

• Claims handling changes after 24 months: Many report that benefits are cut off at the point when policies switch from “own occupation” to “any occupation”—even if the person’s condition hasn’t improved.

• High payout resistance: Denials appear more common on LTD claims than on smaller, fixed-dollar benefit claims—suggesting increased scrutiny when the financial stakes are higher.

• Disconnect between sales promises and claims reality: Workers often buy Aflac policies through employer enrollment, trusting the agent’s simple explanation. But when it comes time to claim LTD benefits, they’re unprepared for the complex and demanding process that follows.

This disillusionment is common. What starts as a safety net quickly turns into a fight for benefits—with the claimant feeling outmatched by a large, opaque insurance company. That’s where experienced legal help can make all the difference.

4. Aflac’s Perspective: Stated Policies vs. Reality

Summary: While Aflac promotes a supportive image and clear claims process, many claimants encounter a more adversarial experience in practice. The disconnect between marketing materials and real-world denials reveals deeper issues with transparency and claim fairness.

Understanding Aflac’s officially stated disability insurance policies is important—but equally critical is recognizing how those policies play out in practice. Many claimants are surprised to find a significant gap between Aflac’s advertised claims process and the actual experience of navigating a long-term disability claim.

4.1. Aflac’s Official LTD Policy Information

Aflac markets its Long-Term Disability (LTD) coverage as a workplace benefit designed to protect income during extended illnesses or injuries. Policy features typically include:

• Income Replacement: A percentage of your regular salary (often up to 60%) paid monthly during a qualifying disability.

• Elimination Period: A waiting period—usually 90 to 180 days—before benefits begin.

• Maximum Benefit Period: This may last a few years or extend to retirement age, depending on the policy terms.

• Definitions of Disability: Policies usually define “disability” as the inability to perform your own occupation at first, then shift to a stricter any occupation standard after 24 months.

• Mental Health Limits: Many plans impose a 24-month maximum on disabilities stemming from mental health conditions.

• Pre-Existing Condition Exclusions: Most policies exclude disabilities tied to conditions diagnosed or treated shortly before coverage began.

• Portability and Waiver of Premium: Some plans offer the option to continue coverage after leaving an employer or waive premiums during an approved disability.

These provisions are outlined in Aflac’s brochures and portals like MyAflac, often accompanied by language promising simplicity and fast, compassionate claims service.

4.2. The Official Claims Process

Aflac’s stated LTD claims process is meant to be user-friendly and efficient, with steps such as:

• Online Claim Submission: Through the MyAflac portal, policyholders can submit claims, upload documents, and track status.

• Supporting Documentation: Claimants are instructed to submit medical records, employer statements, and attending physician forms.

• Direct Deposit for Payments: Approved benefits are often sent electronically.

• Appeal Rights: If a claim is denied, Aflac offers up to three levels of appeal, with a critical 180-day deadline for ERISA-governed plans.

On paper, it sounds like a modern, streamlined process. But claimants often report something very different.

4.3. Juxtaposition: Marketing Promises vs. Claimant Experience

Despite Aflac’s promise of fast, friendly service, many claimants describe a process that feels drawn out, impersonal, and adversarial. The disconnect often lies in these key areas:

• The Portal vs. the People: Aflac promotes its digital portal as the heart of its claims process. But for many with complex claims, uploading documents isn't the issue—getting a human to respond, answer questions clearly, or explain a denial is the true challenge.

• Automation Meets Complexity: Aflac excels in paying small, one-time claims (like a $100 wellness check benefit). But LTD claims involve gray areas, judgment calls, and long-term case management. Claimants report delays, vague letters, or total silence when automation meets real-world disability.

• Appeals Without Answers: While Aflac offers multiple appeals, claimants often receive denial letters that fail to explain why a claim was rejected or how to fix it. This undermines the very process Aflac claims to provide—and leaves claimants unsure how to move forward.

• Promise vs. Pressure: Many claimants feel blindsided when a company known for its iconic duck and cheerful ads turns into a bureaucratic wall of silence during a crisis. The shift from friendly sales pitch to rigid claims gatekeeping is jarring.

At Dorian Law PC, we’ve helped many clients bridge this gap—between the policy Aflac promised and the one they’re actually experiencing. When the process stalls, becomes opaque, or turns adversarial, we step in to hold the company accountable and fight for the benefits our clients deserve.

5. Judicial Review: Legal Battles Involving Aflac

Summary: Court cases involving Aflac highlight procedural shortcomings and judicial concerns over inadequate reviews or biased assessments. While ERISA often limits remedies, courts may still find fault in Aflac’s process if timelines are missed or evidence is mishandled.

When Aflac denies a Long-Term Disability (LTD) claim and internal appeals are exhausted, many claimants have no choice but to turn to the legal system. While lawsuits against Aflac are less common than against certain other major insurers, court records and industry patterns reveal that legal action remains a viable—and often necessary—path to enforce policyholder rights.

5.1. ERISA vs. Individual Policies: The Legal Landscape

The path forward depends heavily on whether your Aflac policy was purchased through your employer (ERISA-governed) or bought individually (state law applies):

• Employer-Sponsored Policies (ERISA)
  Most group LTD policies fall under the federal Employee Retirement Income Security Act (ERISA). This law heavily favors insurance companies. You must complete Aflac’s internal appeal process before you can file a lawsuit. The court will then only review the administrative record—meaning the evidence you submitted before the lawsuit. There are no jury trials, no new evidence, and limited discovery. The standard is deferential: Aflac’s denial is upheld unless it was “arbitrary and capricious.”

• Individually Purchased Policies (State Law)
  If you bought your Aflac policy on your own (not through work), different rules apply. State law governs, giving you the right to a jury trial, broader evidence, and potentially a bad faith claim if Aflac acted unreasonably. This opens the door to damages beyond just unpaid benefits—including emotional distress and punitive damages in some cases.

At Dorian Law PC, we evaluate your policy at the outset to determine the best legal strategy. Knowing whether you’re in ERISA territory—or on a stronger footing under state law—can reshape the case.

5.2. Legal Theories in Aflac Disability Lawsuits

Lawsuits against Aflac often center around familiar issues:

• Breach of Contract: Aflac failed to pay promised LTD benefits.

• Bad Faith Denial: In individual policies, Aflac may be sued for acting unreasonably, failing to conduct a proper investigation, or denying benefits without a legitimate basis.

• ERISA Violations: For employer-sponsored plans, lawsuits argue Aflac’s denial was unsupported by the medical evidence or tainted by conflicts of interest.

• Pre-Existing Condition Disputes: Some lawsuits focus on whether Aflac properly applied exclusion clauses.

• Misrepresentation: In certain cases, claimants allege that Aflac or its agents misrepresented coverage or failed to properly explain limitations during enrollment.

While Aflac hasn’t faced as many headline-grabbing LTD verdicts as some competitors, it has been the subject of litigation for issues ranging from denial patterns to agent misconduct.

5.3. The Challenges of Suing Aflac Under ERISA

For claimants covered under ERISA, litigation can feel like an uphill battle. Insurers like Aflac know the rules favor them. Courts cannot consider new medical reports, expert testimony, or anything outside the appeal file. That’s why your administrative appeal isn’t just a formality—it’s your entire case.

This is where Dorian Law PC adds immense value. We build airtight administrative records and prepare every appeal as if it will be reviewed by a judge. That means carefully framing the medical evidence, directly rebutting Aflac’s denial rationale, and preserving every possible argument for litigation.

5.4. Why Legal Representation Matters

Aflac—and other LTD insurers—have teams of internal reviewers, outside consultants, and legal counsel working to protect their bottom line. If your claim has been denied, you deserve an advocate with the same level of strategic firepower.

At Dorian Law PC, we’ve taken on major insurers in federal and state courts across the country. We know how Aflac handles disability litigation, and we know how to fight back. Whether it’s pushing back during an ERISA appeal or taking a bad faith case to trial, we are prepared to advocate for you every step of the way.

6. Unique Aspects of Handling Claims with Aflac

Summary: Aflac’s approach to LTD claims stands out for its emphasis on strict documentation, procedural rigidity, and rapid use of third-party vendors. Professionals and individuals with complex or subjective conditions may face disproportionate challenges.

Although many disability insurers use similar claim tactics, Aflac’s corporate structure, market strategy, and internal processes introduce distinctive challenges for claimants pursuing Long-Term Disability (LTD) benefits. Understanding these unique dynamics is key to developing an effective strategy—and why working with a firm that knows how Aflac operates can make a significant difference.

6.1. Aflac’s Worksite Sales Model Can Lead to Confusion

Aflac built its brand through worksite sales, often offering LTD insurance as part of a package of supplemental products (accident, cancer, hospital indemnity) presented by an agent during employee enrollment. Many employees sign up quickly through workplace presentations or benefit fairs without fully understanding the terms of the LTD policy.

This sales-first model often leaves claimants underinformed about the strict definitions of disability, pre-existing condition exclusions, and policy limitations—only realizing the complexity after filing a claim. Worse, the agents who sold the policy are typically uninvolved when a claim is denied.

At Dorian Law PC, we frequently assist clients who were never properly advised on what their Aflac policy actually covers—and what it does not.

6.2. Legacy of Supplemental Insurance Impacts LTD Handling

Aflac is best known for supplemental insurance—coverage that pays small, fixed-dollar amounts quickly for specific events (e.g., a hospital stay or broken bone). These claims are usually resolved rapidly and involve minimal scrutiny.

But LTD claims are different. They require in-depth evaluations of medical evidence, long-term assessments of functional capacity, and often, years of ongoing benefit administration. Aflac’s internal systems and staff—geared toward fast-turnaround supplemental products—may not be well-suited for this complexity.

Claimants report that the company's support, communication, and claims handling break down when dealing with more involved LTD claims, leading to delays, confusion, and frustration.

6.3. The Aflac Group Insurance Distinction

Not all Aflac policies are created equal. Many LTD plans are issued through Aflac Group Insurance, the division formed after Aflac’s acquisition of Continental American Insurance Company in 2009. These policies often differ in terms of claims administration, forms, and procedures.

If you’ve filed a disability claim with Aflac, identifying whether your policy is issued by Aflac Group (vs. traditional Aflac) is critical. It may affect:

• Where you send paperwork

• Which claims department reviews your file

• What deadlines apply

• Which exclusions and limitations are triggered

At Dorian Law PC, we review your certificate of coverage and identify the exact entity managing your claim so we can navigate the right procedures with precision.

6.4. High Complaint Volume and Poor Claimant Experience

Publicly available data confirms that Aflac receives a high number of consumer complaints relative to its market share. The National Association of Insurance Commissioners (NAIC) has consistently flagged Aflac’s complaint index as well above the national average for life and health insurers. Many of these complaints cite:

• Delayed claims processing

• Repeated document requests

• Denials based on technicalities

• Unhelpful or contradictory customer service

This volume of complaints supports what our clients have experienced firsthand—significant friction during the LTD claim process.

6.5. Emphasis on “Objective” Evidence Can Create Unfair Barriers

Aflac often places heavy emphasis on “objective” medical evidence—such as MRIs, CT scans, or lab tests—when evaluating disability claims. This is particularly problematic for claimants with conditions like:

• Fibromyalgia

• Chronic Fatigue Syndrome (CFS/ME)

• Chronic pain

• Mental health disorders

These legitimate medical conditions are frequently diagnosed based on clinical judgment and subjective symptoms. A rigid insistence on objective proof, even when no such test exists, creates an artificial—and unfair—barrier to approval.

Dorian Law PC is experienced in confronting this issue head-on. We work with your physicians to present well-documented clinical evidence, functional assessments, and narratives that meet Aflac’s standards while also supporting your legal case.

6.6. Disconnect Between Brand Image and Reality

Aflac's cheerful duck mascot and promises of quick, simple benefits create a public image of efficiency and support. Unfortunately, that image often doesn’t match the reality of dealing with an LTD denial or delay.

Many of our clients are shocked by how difficult the process becomes once they can no longer work. What was pitched as a helpful benefit turns into a frustrating, adversarial process.

At Dorian Law PC, we help close that gap. We bring clarity, direction, and legal leverage to help you push past the confusion and demand the benefits you’ve earned.

7. Strategies for Success When Dealing with Aflac

Summary: To improve the chances of a successful Aflac LTD claim, claimants should thoroughly document medical evidence, understand their policy, anticipate surveillance or biased evaluations, and preserve their legal rights throughout the administrative process.

Winning your Long-Term Disability (LTD) claim with Aflac takes more than submitting a form—it requires strategic planning, detailed documentation, and an understanding of how Aflac evaluates and challenges claims. If you're facing a denial, delay, or mounting requests for more paperwork, these strategies can help protect your rights and increase your chances of a successful outcome.

7.1. Know Your Policy Inside and Out

Start by securing and reviewing your full LTD policy or certificate of coverage—not just the summary. Focus on:

• The definition of disability, and whether it shifts after 24 months from “own occupation” to “any occupation”

• The elimination period (how long you must be disabled before benefits start)

• Exclusions (such as pre-existing conditions or mental health limitations)

• Any restrictions on benefit duration

• Deadlines for claims, appeals, and proof-of-loss submissions

At Dorian Law PC, one of the first things we do for clients is analyze the fine print. A deep understanding of the policy is essential for building a strong, focused claim strategy.

7.2. Build a Medical Case That Speaks Aflac’s Language

Aflac often looks for “objective” medical evidence. But many disabling conditions—especially fibromyalgia, chronic fatigue, mental health disorders, and chronic pain—don’t show up clearly on scans or lab results. That doesn’t mean your claim is unwinnable.

We help clients work with their doctors to build comprehensive medical records that include:

• Detailed clinical notes connecting symptoms to functional limitations

• Specialist reports (e.g., from rheumatologists, psychiatrists, neurologists)

• Functional Capacity Evaluations (FCEs) and neuropsychological testing when appropriate

• Narrative physician statements tailored to Aflac’s policy definition of disability

• Information about medication side effects, pain levels, fatigue, and cognitive impact

If your condition is primarily based on subjective symptoms, we’ll guide your physicians to document in a way that satisfies both medical standards and Aflac’s scrutiny.

7.3. Treat the 180-Day Appeal Window as Your Legal Trial

If Aflac denies your claim and your policy is governed by ERISA, you typically have 180 days to submit an administrative appeal. This is not just a protest letter—it is your only opportunity to submit new evidence before the record is closed.

Use this window to:

• Submit all medical records, including any new evaluations

• Address and refute every reason for denial from Aflac’s letter

• Provide vocational evidence, such as expert assessments explaining why you cannot perform even alternative jobs

• Submit witness statements from family, friends, or coworkers detailing observed limitations

• Include legal arguments grounded in ERISA case law and policy interpretation

At Dorian Law PC, we treat this stage like a trial. A well-built appeal can not only reverse the denial—it also sets the foundation for litigation, if needed.

7.4. Keep Meticulous Records and Communicate Strategically

Many claimants get tripped up by poor documentation. Aflac is known for:

• Requesting the same documents multiple times

• Claiming items were never received

• Giving inconsistent instructions over the phone

Protect yourself by:

• Keeping copies of everything submitted

• Using written communication as much as possible—email, fax with confirmation, or secure portal messaging

• Following up phone calls with a written summary of what was discussed

• Logging dates, names, and reference numbers

At our firm, we manage all communications with Aflac on your behalf to ensure there’s no confusion, delay, or misrepresentation of your position.

7.5. Anticipate Adversarial Tactics

Even while claiming to support disabled policyholders, Aflac may take steps to minimize payouts. You must be prepared for:

• Independent Medical Exams (IMEs) arranged by Aflac with doctors who are not truly independent

• Functional Capacity Evaluations (FCEs) that may push you to your limits in a one-time test

• Surveillance, including video or monitoring of your social media

• Vocational evaluations designed to suggest you can work in unrealistic jobs

Dorian Law PC helps you prepare in advance. We advise clients on what to expect at IMEs and FCEs, how to protect privacy, and how to challenge biased or inaccurate reports.

7.6. Don’t Wait to Seek Legal Help

Too many claimants wait until it’s too late—after a denial, after a missed appeal deadline, or after submitting a weak appeal on their own. The earlier you involve an attorney who understands disability insurance and Aflac’s unique practices, the better.

At Dorian Law PC, we’re not a generalist firm—we focus exclusively on helping people with disability, life, and long-term care insurance claims. We understand Aflac’s policies, how they interpret “objective” evidence, and what it takes to succeed under ERISA.

Whether you’ve just filed your claim or are facing a denial, we offer free consultations to help you understand your rights and options.

8. Conclusion: Securing Your Aflac LTD Benefits & How Dorian Law PC Can Help

Summary: Navigating an LTD claim with Aflac requires persistence, strategic evidence gathering, and legal expertise. Dorian Law PC provides specific support to counter Aflac’s tactics and help claimants secure the benefits they rightfully deserve.

A Long-Term Disability claim with Aflac can be far more complicated than many expect. Despite Aflac’s friendly branding and promises of quick support, claimants often encounter a very different reality—strict definitions of disability, complex procedural rules, and frustrating communication delays. Whether you’re facing an initial denial, burdensome paperwork, or an uphill appeal under ERISA, the stakes are high. Your financial stability, access to medical care, and ability to focus on recovery may depend on the outcome.

Successfully navigating the Aflac LTD claims process requires more than just proving you’re sick or injured. You need to understand your policy, anticipate insurer tactics, meet every deadline, and present a persuasive case backed by medical, vocational, and legal evidence. That’s where we come in.

At Dorian Law PC, we specialize in fighting for individuals who’ve been denied disability insurance benefits—including by Aflac. We bring decades of combined experience in ERISA litigation, disability appeals, and insurance law to every case we handle.

When You Work With Dorian Law PC, You Gain:

• A Partner Who Understands Aflac: We’ve seen the patterns—denials for lack of “objective” proof, shifting definitions of disability after 24 months, surveillance tactics, and communication failures. We know how Aflac operates and how to counter it.

• Precision in Policy Analysis: We comb through the fine print to identify limitations, exclusions, and legal leverage points that others often miss.

• Strategic Appeal Building: We help build a compelling appeal using medical records, expert opinions, legal arguments, and policy-specific analysis—especially critical in ERISA cases where courts only review what’s in the appeal file.

• Relief From the Burden: We handle communications, deadlines, and insurer demands so you can focus on your health—not on battling bureaucracy.

• Litigation-Ready Advocacy: If Aflac refuses to do the right thing, we’re prepared to take the fight to federal or state court—and we’ve done it before.

You don’t have to face this alone.

If Aflac has denied, delayed, or underpaid your LTD claim, contact Dorian Law PC for a free, confidential consultation. We’ll evaluate your situation, explain your options, and fight to get you the benefits you’ve earned.

You paid for protection. Let us help you make sure Aflac delivers.