Aflac

I bought my AFLAC cancer policy in 1994 and recently was diagnosed with metastatic melanoma on my scalp and had a PET scan that revealed multiple lesions throughout my body. These internal locations are in places too difficult to biopsy according to oncologists at Levine Cancer Institute. Because my pathology report from the two lesions removed from my scalp does not show Clark's Level staging, AFLAC is refusing to pay the one time initial payment for cancer. My oncologist says that Clark's Level staging is no longer used and hasn't been for many years. I am taking immunotherapy in hopes of slowing the growth of the internal melanoma and am appalled that AFLAC would deny payment. Oncologist is going to provide me information showing this and I will be submitting a rebuttal. I am very upset and think that when a person is facing such a terrible prognosis that we should not have to "fight" overpayment. How can AFLAC be so heartless??

About 14 yrs ago I had Aflac. My wife and I went on vacation and when we got back within 24 hours I got sick. I walked somehow into the hospital with 107 temperature. I was immediately admitted and lay in the hospital for 13 days. Very touch and go. Dr diagnosed me with severe cellulitis due to a spider bite. I faxed mailed any and all paperwork to Aflac only for them to deny any payment because Dr couldn't name the species of spider! The commercials are very cute but the business is a total scam and greedy.

I signed up with my employer nearly a year ago, Sarah ** / Tori ** were the agents. I was admitted to the hospital on 2/7/18 because I had to have a hernia repair surgery, and a weight loss revision surgery, in which the doctor decided it would be too painful to do two separate surgeries and would rather operate on me once. After, I was released from the hospital, and while recovering I reached out to Aflac only to find out I was NEVER enrolled in the Hospital Indemnity nor the Accident insurance, I immediately reached out to my employer, they contacted their Aflac Representative In which it took her two months to make contact back to them to get me enrolled for an effective date of 7/1/17.

I should have learned the first time I had them. I had hospitalization and my appendix burst. They wouldn’t pay out cause I was not in the hospital for 23 hours. I was there 22. So I canceled. Then they came around as I had my own business, so I get short term disability. I pay the extra money so they pay out right away. I have to take a job with another company and I get hurt. 3 months of information going back and forth with Aflac and now they deny the claim cause it was a work related injury! It took them 3 months to tell me this! Plus we have no agent in the area cause they all seem to quit. So now that I thought I was covered was all BS. I would not recommend this company! I think I should contact a lawyer and just see what my options are.

Most of the customer service people were nice and appeared to attempt to help. However, the auditors are TERRIBLE!! Unbelievable how bad this experience is. I filed claim 3/7/18. As of 4/17/18 STILL going in circles with them!! They say they need a piece of info; provide it, they say "oh no, we need a different piece of info. We will call you"- & of course, NO ONE calls. I had surgery. Aflac says they're here to help (& I’ve paid for this supposed service)... ALL they have done is create more stress!!!

Back in July 2017 at my new employer I was informed by Aflac team members reps that EVERYTHING was covered by their hospital indemnity policy, just that since I was a female I had to wait a year into my policy to have a baby. Moving forward to March 17th, I go see my regular physician and get an annual only a few days later to get a call saying that my iron in my was blood was so low that I needed to go to the ER to get a blood transfusion. Before I could even make it to the ER I passed out at home alone. After my family got worried from my job contacted them stated I never made it to work. They came to my home looking for me, they found me passed out.

My husband had an accident getting out of his truck and cracked his knee. He tore his ACL and Meniscus, first had rehab, then an MRI, surgery and then more rehab. He is out of work for 6 to 9 months after the surgery. This makes it a year total he will be out of work. I must have sent in at least 40 pages of reports with accident and injury stated on all of them. Yet, my accident claim was denied because they are claiming it was not an accident. "It just happened on its own"- isn't that an accidental injury? Tell that to my husband who had surgery. Tell that to his employer who now has a worker's comp case.

I went into the hospital with chest pain, they ran every ran a lot of test to try and find the cause, but like a car when you bring it to a mechanic, they couldn't find the problem. So they decided to admit me overnight, now I went in at 11 am on a Saturday and wasn't released until 7:30 pm on Sunday. When I signed up with Aflac, there was nothing in my paperwork or pamphlet that says anything about an observation room exclusion. It only says hospital stay has to be more than 18 hrs. So my claim was declined because of something they added later. I think this is fraud.

I have been going through this process since December. I had gastric sleeve surgery December 13th. After fighting with my insurance since June and denying based on the services are not covered due to the policy, I went to Mexico. After coming back, I met with my PCP and she put me out on short term disability. These policies are set up for you to fail.

I am over 65 and working full time. Money is still being deducted from my paycheck. I have heard that Aflac will not pay ANY claims if the claimant is over 65. Is that true? If so, why are you still accepting my payments. If I am just donating money there are many other entities I'd rather donate to. I have heard that policies cannot be switched and new policies cannot be purchased if the claimant is over 65. Is that true?

DENIED! I cannot figured out why my claim for my baby hospitalization was denied. Me and my wife was on vacation out of country for a week and my daughter 17 months old was having a diarrhea and vomiting for more than 24hrs. We decided to take her to the nearest hospital and was diagnosed for a GASTROENTERITIS with mild dehydration. We were advised by the attending Physician to admit her for more than 24hrs and so.

I personally carried 2-policies (cancer & accident) with AFLAC for approximately 8-years. I also own a small business and bought accident policies for all 10-employees as well as some employees personally paid for select additional policies. So I was leveraging quite a few policies with AFLAC. Didn't matter. They are typical insurance scam trying to deny claims and get you to accept less or no reimbursement.

I had back surgery on November 13, 2017 and was able to go home on the afternoon of the 15th. Submitted a claim with all the paperwork the hospital provided. The paperwork shows all of the services I was charged for by the hospital for those two days, but because the hospital called it an observation room instead of charging for Room and Board AFLAC has denied the claim. I've spoken with two "customer service representatives" and they have been nice, but of no help. To say the least I am very disappointed in the way my claim has been handled.

I signed up for Aflac December 2016 through my employer. And I heard them say would cost me 65 a month. And then they didn't start deducting until April 2017 and they took out 65 plus dollars a week...not month as I was told. By that time I changed my work location and has less hours so my income was lower. So October I cancelled my policy. And the payments still kept being deducted and by this time it's been thousands of dollars wasted. And I was told by the Aflac representative that I had to stop payments through my employer which I did and Aflac told me they'd reimburse me payments taken out from October 18 until my payments stopped which was the last week of January. And I received a small pathetic amount of 300 dollars only so I called Aflac to see where the rest of my refund is and they said they aren't paying anymore. I am considering going to a small claims court… Stay away from Aflac. They are thieves.

I am new to Aflac as is my place of employment - this year it was a new "benefit" that we could opt in to and our coverage would begin on 1/1/18. At the time of enrollment I told the Rep that was signing us up that I knew I had a Colonoscopy and Endoscopy scheduled for February 12th. He said "Perfect - you will have needed to have the policy in place for 30 days before submitting a claim so the timing of all of that is great." He informed me of how "easy" and "pain free" this whole claims process would be. I feel betrayed... it's been a horrible experience. I can't even get the $100 payment that I should be entitled to. I submitted the claim on February 13th or 14th with the "help" of my Rep because the form I needed was not available online.

I have an Aflac Hospital Indemnity policy. In January of this year notice pain in my groin area. After looking online I thought it may be a hernia. As I did not have an primary care physician I contacted a general surgeon who had previously performed surgery on me and made an appointment. He confirmed that I did have an inguinal hernia and scheduled surgery for March 2 of this year. Upon recovery I went to the hospital and got all the records and filed my claim, uploading the documents on March 8. Then the fun began.

Yes it’s a hassle to get itemized bills from the hospital pathology reports, doctors signatures, codes etc. but AFLAC paid over $60,000 when my husband got cancer! I will always keep this AFLAC policy!

I had been leery of Aflac and the amazing stories I heard from co-workers made me roll my eyes. I can tell you that I am not sure why I waited so long to get insured!!! My son is an athlete and is constantly injuring himself. He tore his ACL last year and Aflac covered all my out of pocket expenses for his visits, surgery and follow up appts w doc and physical therapy. Aflac paid about $1350 total for that incident! Then in Dec I was hospitalized and Aflac paid in 3 days once I was home and able to file my claim for the stay. Aflac paid about a $3500 payment in total to me! Aflac has been a lifesaver for us and the serious injuries we have encountered in the last year! I tell everyone about them and why they should have Aflac!

I have carried a policy with Aflac for 3 years that covers specified events such as stroke. I suffered a stroke in December 2017. All my records were submitted for my claim by Jan. 26, including letters from both my primary care and neurologist stating the diagnosis as stroke. It's a very lengthy and arduous process to upload all the records on the website. It's been two months now and they still keep asking for more records and have denied the claim once and then closed my claim once without notifying me. The recent request was for records sent over a month ago. It's hard to tell if they are trying to scam me, wear me down, or the claims people are not competent. I will probably have to bring this to my state insurance commissioner. I would stay away from Aflac and talk with your local insurance company first.

First of all once I get back to work I'm telling everyone that they will not pay anything. First of all 5 months ago I went to ER and they kept me for observation. That is what they put but my BP was high and I had other signs for the heart. They denied that one. Ok but now I had to have surgery for a hernia and my stomach was pulled apart on the inside. When they had surgery they found out I had 2 of them. They had to fix it because I was in a ton of pain. I had surgery on 2/27/18. Was in the hospital until 3/1/18. I sent in everything. Went to the hospital because I had them send all the paperwork to you. I wasn't supposed to be walking but you needed this. I thought it wouldn't take this long but apparently you guys like not helping your Customers.

On January 27th of this year I received a severe dog bite to my right hand, ring finger. The attack almost amputated my ring finger. Trip to the emergency room, X-rays, stitches, antibiotics and a tetanus shot. Two days later a trip to a hand surgeon for follow up with more X-rays and treatment. Ended up with a fractured finger and severe laceration and two months off work. I have had Aflac accident insurance for years but this was my first experience filing a claim. I learned today the maximum benefit for a finger injury such as mine is 50.00 dollars!! They did covers 200 dollar payment for the ER but that’s it! My bill is approaching 6500.00 dollars. Monday I’ll be canceling this worthless scam insurance and notifying my company of my experience with Aflac... What a huge disappointment to think you are covered for an accident only to find out they’ll happily take your money until something happens then send you fifty dollars for a 6500.00 dollar accident!

DENIED! I cannot figure out why an accident policy denies my claim. I injured my knee getting out of my truck, not on purpose, it was an “accident”. I have paid for this policy for years. Last time I tried to make a claim the agent never called or contacted me, even spoke to her at the company yearly signing. She took my info- nothing and she is no longer with AFLAC. This newest denial of my accident only says I’ve wasted a lot of money. I hope canceling is easier than making a claim.

Nasty, rude and condescending phone bank employees including "supervisor". (I have doubts it really was a "Supervisor".) Will be cancelling ALL policies next month. They hire the dredges. I have not had ONE positive experience. Colonel Life...you ready to take our $$?

I was always a proponent of this type of insurance for my company and its employees. That is until now when I actually had to utilize it. My wife was in the hospital for about a month with an Astrocytoma. Astrocytoma is a malignant cancerous tumor. Due to its location it was inoperable and a biopsy would essentially kill her or cause permanent paralysis. Aflac initially asked for a pathology report and the doctor replied with the diagnosis. Aflac has been dodging any payments stating they needed to see the word cancer. They have requested numerous hospital reports etc. My wife was diagnosed with this cancer on February 20th. It's now March 21. My wife passed away March 13th. No money... still processing.

I had several procedures done getting ready for surgery. File those claims nothing ever paid. Had surgery and several days stay in hospital. Those claims were never paid in January of 2010 when this policy was taken out 2009. As of today March the 20 2018 those claims are still unpaid to me.

Aflac customer service is a JOKE!! I have been off work now since January 28th. It is March the 12th and I still haven’t received my first short-term disability check. I have sent emails, I have called numerous times without “my agent” Returning my calls. It’s pretty sad that obviously a physician has you off on medical leave for whatever reason and you can’t get anyone to return your calls!! I’m stressed!! My bills are late. I’m a single mother raising 3 kids and I have zero income coming in. Their dad is off on strike with Frontier and I literally have not received any money. Thank God I had some in savings (which is now gone). You pay for this insurance and you expect them to do their job.

I attempted to take care of a billing problem online and after five attempts decided to call the suggested phone numbers. I waited for 46 minute during the first call and was hung up on. I attempted three more times and I am not sure how long I was on hold during these occasions. I then decided for the callback option. This call was returned in approximately 45 minutes and I was transferred to three different people. Again, I was placed on hold for one hour and 11 minutes!! I will be consulting Colonial Life!

Have Aflac Accident Insurance. I slipped in the garage and didn't fall/land, but my left leg stretched out to the side at an acutely odd angle. A day or two later I had a sharp pain in my left calf that would come and go. I didn't think much of it and didn't at first even associate it with my slip in the garage. I treated it with rest and ** as most people would do. It wasn't until several days later that my left buttock cheek hurt and the pain radiated down the left leg.

After getting my policy, it’s been downhill ever since. Countless hours trying to get someone to help me, increase policyholders - add new policy, questions about existing policy, reaching the original sales rep has been absolutely impossible even through email. No such thing as customer service with this company. That’s too bad because I want additional policies and hoped to have them all in one place, but doesn’t look good folks! I’m giving them one whole year to change my mind... everyone deserves 2nd or 3rd chances in my mind - so I’ll update if anything changes but don’t hold your breath. 5 months to go!!

Before I begin let me just say I read in desperation for help these reviews and saw Phyllis's name and they helped me. Here is my story, Jan 12th ALL my paperwork that I needed was submitted, 2 weeks went by and I started to call and check on it, they said they needed my 2016 W2 I submitted Jan 22nd, then on Jan 24th I call again then they need 2017 W2. I submitted that as well to 2 different Aflac employees in one day. Feb 4th again I called and they claim they need my W2 and don't have it I submitted to 2 different employees again. Feb 12 W2 of 2017 was faxed from my boss.