Aflac Insurance Am disabled by an shoulder surgery aflac refuses to pay Internet

NO I do not work for them.  Have had their dental for 5+ years and never had a problem before and YES I did read my policy.  For $30.00 a month it works for me.  I will be looking into getting more insurance through them because they do pay their claims.

" Aflac advertises that if you get hurt they're there with the cash. "

  They don't advertise that you should only get their policy after you know you're going to need it to pay off.    Insurance doesn't work that way.     I don't blame them for being suspicious when you sign up for insurance and filed a claim within a few months.    A lot of people try that.  It never works.

Let me guess this person is an insurance exec. Your a better person than I if you can read three paragraphs and tell my intelligence level. Aflac mirepresented itself to me in my opinion. I don't have the luxury of being out of work with out a paycheck . Aflac advertises that if you get hurt they're there with the cash. This is the last rebuttal I'll send since I'll be going back to work. 
I don't have time to sit here all day like you have.

Just because a diagnosis wasn't made, you STILL had a pre-existing condition.  Read your policy.  They define "pre-existing condition" as anything that you received medical advice, diagnosis or treatment for, or for which symptoms existed that would have caused a prudent person to seek medical advice." 

You had pain in your shoulder....this is symptom.    It didn't present itself as a tear until after your effective date, but that still does not negate the fact that you had a pre-existing symptom.

All disabilty plans define prexisting conditions this way...every singe one of them.  

You weren't ripped off...people truly don't understand disability insurance.  They think they have a 'right' to it.  They don't.  It's a product that is sold in order to realize a profit.   That is why companies MUST exclude disabilities caused by pre-existing conditions; otherwise they'd go out of business.

Also, you aren't showing very much class or eduation with your choice of language.  Just saying.

No it was'nt a pre-existing condition the took xrays and did'nt find anything
pain went away but four months later the pain came back i got an mri and they found the tear.
I never would've payed aflac if I knew they were scoundrels.

Pre-ex is a reality of insurance policies, especially disability. Most people ignore these limitations until they file a claim, then play the role of "victim" very well when things don't go their way.

"They also said that since I went to my doctor for a sore shoulder before their policy was in effect that it was a pre-existing condition."

Was it a pre-existing condition? Most policies specifically exclude this. Did you just take out this policy?