Been paying on my own for AFLAC coverage since being laid off. I submitted a claim in Dec of 2017 for temporary disability. (This claim originally started in Oct. but AFLAC kept requiring employer information on a policy that was individual). Finally got through to a supervisor who told me "oh, you're in CA". They paid the 1st month and kept the payment for the 2nd month. Then canceled the policy for nonpayment. In looking at my policy they were not supposed to do this. They refuse to answer calls. As I write this, I have been on hold for almost an hour on a callback call from AFLAC.