Filled for short term disability recently after having ankle surgery. They say it was pre-existing condition. I was having problems with ankle year ago and had a doctor look at it. No treatment just look at it, the doctor recommended surgery. I opted out and got my ankle strong and was not rolling /injuring again. Well a year later it rolls, i go to a different doctor who recommended a less invasive and expensive surgery that was radically different from doctors assessment a year ago. Anyways i have the surgery and am immediately denied for my short term disability that i have been paying for. Im out 3 months now, with a 12 month old child and mortgage. I relied on this when making my decision to repair ankle from injury and even mentioned situation to my agent what was happening and was told Im fine and covered! Fortunately my brother is an attorney who has a lot of experience with insurance companies and am now getting him involved. When i try to get details when i call the 800 number for AFLAC i get very rude responses that are quick and confusing on how to rebuttal. Its as if they are deterring me from rebuttal. I cant believe a company that i thought was reputable was going to play games like this. I now have created a trickle down at our office of fellow employees canceling there policies with AFLAC and going to Family Heritage where it seems there are no games. We have spread the word to our sub-contractors and vendors as well and they are flooding our Family Heritage rep now with requests for info and meeting with employes. Hopefully my rebuttal changes there stance an they do the right thing.