Consumer Complaints and Reviews
I've had AFLAC about 10 years. Originally I had the Disability, Accident and Wellness but have dropped down to just Accident and Disability. I think the procedure of filling out and filing claims is a bit time consuming but once received they did pay quickly. Once I forgot my password and had to call in and the rep there looked at my account and told me I had not filed my wellness claims for the year prior and she got me paid quickly. Another time my agent informed me I could file for a broken foot. They sent me $500! I really can't say anything bad about the company.
I purchased several Aflac policies and held them for several years. Was not late on payments. When injured now disabled they said they got my fax from my employer but wouldn't pay me citing a contradiction that they hadn't received the form. My employer faxed and mailed this multiple times. We both called and they would say they would have it but would lose it by the next week. I kept up my Aflac payments even out of work for 9 months. Trying to get this straightened out. Now permanently disabled. Did not receive one red cent. Do Not Trust this company. They are Frauds. Would not let me give less than 1 star. They are basically white collar criminals waiting for someone to fall prey. Then they can keep their money. If the person is not wealthy and is in very poor health then they don't have to worry about a lawsuit. Just easy pickings. Makes me so mad that I want to throw something at the tv every time the duck quacks. Uggh.
We have been with Aflac for over 12 years. Have filed several claims. No issues other than the new electronic upload. I can upload my documents numerous times and they say illegible every time. I have emailed my documents. Same thing. This last claim last week has been a real pain so I ended up getting my agent involved. I uploaded all hospital documents from ER, sent them in. It was for accident policy. We have all the policies.
Anyways 2 days later 170.00 was deposited in our checking. This was for a large laceration to my husband hand. They should of paid 320.00 but according to claims they said documents were too blurry, could not read them so how is it they read enough to pay out 170 but not could enough to pay the full amount. Seriously wrong. So just talk with agent again today. She trying to make them pay the rest which is very doubtful. At this point I have read several reviews and how long it has taken some to get paid.
Your best bet is to fax everything or hand deliver your documents to your agent and follow up daily because I do know they usually process claims by how they fall in the week like Friday they process Wednesday claims but your agent will upload your documents for you to get paid with a couple of days. Hope this helps.
Will we continue with Aflac? Yes we will for now but if this issue with paperwork filing keeps up we will most likely switch. Now I do have a friend that was diagnosed with lung cancer recently. He had his policy premium deducted from his check. Well he had surgery and took 3 months off and still no payment. Why? Because Aflac says he didn't have a policy now knowing he does. His agent is fixing it and hoping for his payment soon which will be quite large anyways. To me it seems the more money they have to pay out the longer it takes. I had a mammogram done and had payment the next day.
My parents paid premiums on older Aflac LTC policies for many years. My father died before he could use his policy and now that my 84 year old mother needs her benefits, I'm told that she doesn't qualify because she is in the 'assisted living wing' of the care center rather than the 'nursing home wing'. The company is the SAME, the price is the SAME and the care is the SAME, yet a 150-foot difference in location prevents her from claiming her benefits?
My mother has Alzheimer's that has been diagnosed by a physician. A nurse gives her daily medication. My mother requires 24 hour supervision (Custodial Care-as they call it in the benefits section of her policy). She recently put a napkin in her microwave and almost started a fire, so she is a danger to herself and others! Her condition is permanent, so she will not be living on her own again or returning home. She is unable to shop for food or prepare her own meals. She requires assistance bathing, washing her hair and maintaining her surroundings.
The care center has sent several claims to Aflac and they have all been denied based on her 'location'. When I have called to discuss/clarify/appeal her needs related to the claims, I'm given brief generic answers or the wrong answers. Not one representative has said they will reach out to the care center or doctor for more information. Why does Aflac even have an appeals process if they don't investigate or seek out documentation? Because she has 3 years of 'nursing home' benefits left, our only hope might be to move her to the other wing. Aflac will then be required to pay her benefits, so their current denial will have been a wasted effort to save their company money.
The only one that will suffer from the move is my mother. She has high blood pressure and doesn't do well with change. She also enjoys the ladies that join her for meals and she enjoys the view from her window. Moving her will mean new 'ladies' and a new 'view'; neither of which will be beneficial to an Alzheimer's patient. I have read similar complaints on other sites and they resolved their matter by communicating with their state's insurance commissioner. This will also be my course of action if I do not hear back from Aflac soon.
I enrolled for Aflac insurance through my local union (Teamsters) in 2012. The few claims I have filed have been difficult to collect on. The representative from Aflac who basically enrolled several of my fellow employees was very vague in telling all of us about the group policy we signed up for. Recently I inquired about getting disability insurance and I was told that Aflac is not enrolling anyone for disability insurance at this time. So I asked her if I would be able to enroll at another time and she said no. Very dissatisfied with the whole experience.
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Despite reading the bad reviews, I bought into the duck. I've had (2) policies with AFLAC for over (2) years and made a single claim after breaking my ankle in Feb. of this year. It's now the end of Sept. and despite submitting the necessary paperwork and making enumerable phone calls, I have yet to reach the one person who cares enough to do the right thing and pay out my claim. It's been my life's work as a veteran and a nurse to live my life with integrity and it's always a hard pill to swallow when others don't conduct themselves in the same manner. Disappointed.
Do NOT get AFLAC Group! They denied my claim when I was in fact in the hospital for almost 2 weeks... My policy had been in effect for a full month but they told me it was not and denied the claim anyway. They are a complete rip off. They had NO issues removing money from my account for almost 3 months, however, when I got sick and was admitted to the hospital they were absolutely worthless. DO NOT GET RIPPED OFF LIKE I DID!
Through my employer I purchased short term disability and the accident plan. A month ago my family was in a auto accident. My wife and myself were taken by ambulance to the local E.R. I have had to file multiple claims. The first few were faxed over. Yes you do have to stay up on them. After all it's your money. Then the others I did the on line one day claim. It was processed in one day and three days later my money was direct deposit. If it had not been for Aflac I cannot began to think what situation we would be in with bills. I have read these reviews by other people and for the life of me cant understand why they would say things like they have. Every one I spoke to was very helpful even when asking to speak to supervisors. When I did the one day claim the lady I spoke to was nice enough to walk me through the whole process. I would recommend Aflac to any one and have bragged about them to anyone that asks.
We had been loyal happy customers of Aflac for 5 or more years, utilizing their policies as supplemental insurance for various things, as is their purpose without issue. We were coaxed into leaving our individual plan to join a group plan. Things went along well, until the group plan was cancelled. In December of 2014 the policy was cancelled. Through the calendar year of 2015, we dutifully paid our premiums and received notices of premium due, on a policy unbeknownst to us had been cancelled.
When we went to submit some claims in spring of 2016, we found out that the policy no longer existed, despite Aflac having collected premiums for longer than one full year. As we investigated the issue in an attempt to rectify the discrepancy, we discovered that Aflac was unwilling and unable to do anything to satisfactorily resolve the issue. We were told that because we went to group, there was no way to revert to an individual policy again and retain our seniority as Aflac customers, thereby losing out on some claims opportunities we should have qualified for. Additionally, we were told that the only way to continue coverage would be to purchase brand new Individual policies, or transition to a different group plan (an option no longer available to us).
We find this to be totally unacceptable and frankly an excuse to get out of obligations in a contract. We were misinformed by the sales agent (Sally **, Lansing Michigan) who indicated to us we would have no issues transitioning our policies around as life changed. We would strongly caution anyone who wishes to move policies with Aflac to scrutinize the fine print, and to press their representatives hard to ensure that there are no difficulties like this for them. Aflac was able to refund our overpaid premiums, which was the only satisfactory piece to this debacle.
I've had Aflac for going on 10 months. Needless to say I was in an accident and upon reaching out to someone to file a claim not only was the representative I spoke with very rude and stated she could not find my policy since I had misplaced my policy number 25 minutes later after providing her with the same information over and over she magically found me. She then proceed to give my number but the one she provided me with was completely wrong. She sent me a email with a claims form. I filled it out and faxed it straight in the same exact day. I've not heard from them. I've attempted to reach out to customer care and haven't heard back from anyone. Needless to say I'm ready to cancel this joke of a policy and shop around! I've never dealt with such crappy customer service in my life and let me mention I am a supervisor in a call center myself. My agents never speak with our customers in such manners.
I have had a cancer policy since 2003 which I took out when my employer offered it to us. I have been paying the premium every 3 months as was set up. In May 2015 I received a letter asking why I had not cashed the check they sent me for the last payment as they had cancelled my policy. I called HQ and asked why my policy had been cancelled. The agent could give me no reason and finally said it was for non payment. This did not make sense since they were returning my payment which I had never received. I finally had to fill out a form to be reinstated which I was. That was in July 2015. I requested in writing to be sent a bill or a reminder so I had some proof that they were receiving my payments and didn't get my policy cancelled without any notice. To this day I have never received a bill or reminder and my policy has been cancelled again. This time I will not reinstate it.
They denied a hernia claim saying it wasn't an accident. This is common practice for them! It was an accident, and this company will do anything to avoid paying a claim. I canceled my insurance. Do not enroll with this company! Save your money and put it in a bank account! You will be miles ahead.
Today I was helped by Princess and Selena after nine months of unrest. I would like to thank both of them for being compassionate and understanding. Most of all they were knowledgeable and able to resolve my issues. Very professional to say the least. A cash award for both of them is recommended for their ability to help me understand, explain the business and offer an alternative. I am not happy with AFLAC for canceling my policies when I was not at fault but I will reinstate my policies because of Princess and Selena who assisted me. They treated me with respect and dignity.
I have been a member since 2010 with 3 policies. 1 yr ago I found out my agent Deborah ** no longer worked for AFLAC so I got another agent Dana ** through email. Headquarters confirmed that he worked for them. However, he was not sending my payments to headquarters so my policies were canceled even though I continued my payments. The district sell coordinator Wilma ** confirmed I was in good standing and Dana needed to send info to headquarters. Seldom did he make contact with me. I was often in contact with Lisa ** then Wanda who worked for Dana **.
After nine months of back and forth I stopped the allotment. Then I get an email from him! So I called HQ to make sure he wasn't a scammer. Princess and Selena listen to my story, found discrepancies with info I was receiving from Dana and agents at HQ. Both ladies were compassionate, courteous, professional and understanding. Both offered an alternative that met my needs and should be commended. I am planning to reinstate because of them. I still feel it's unfair that I am penalized for a lapse in coverage and charged a higher rate when the payments were still being received at BOKF, N.A. by Dana **. AFLAC HQ continued to return my payments so eventually I closed allotment. PLEASE NOTE MY RATING IS FOR THE 2 LADIES WHO I SPOKE WITH TODAY...
Wish I could give -0 on a rating! Our daughter was at the park, broke two bones in her wrist. We sent all documents to Aflac within a week and they paid us almost three weeks later for one broken bone. So we've submitted the paperwork for the second break 17 days ago and they sent a letter from our cancer insurance, saying the claim was denied. Mind you, we have 3 separate insurance coverages through them, cancer, group coverage and accidental. I sent it to accidental so why did I get a letter from the cancer office!? Get your claims and paperwork right Aflac! I sent all documents to the correct place and address so stop playing games with us!!! We pay you every month with no problem and expect the same! I am EXTREMELY unsatisfied with the way they handle us as PAYING customers!
My employer used to have a contract with Aflac and I bought in. They dropped the contract with Aflac and the agent sent email to me asking if I wanted to continue policies and I said yes and had automatic debit from checking. She dropped the ball, did not send in renewal for disability, we needed it and found out it was discontinued. I went with another agent. She came to our house and we specifically asked for disability policies. We ended up with a cancer policy as well. I had surgery, off work 3-4 weeks, therapy and everything. I called agent to submit disability claim, and found out I had none. She did not even fill one out for us a year ago and instead was an accident policy. I'm out. DO NOT purchase Aflac. They are a rip off and the agents always say to contact corporate. What is the point of an agent if you always have to go through corporate.
Our company was offered Aflac services through a local insurance rep. She made it seem easy to get good results from any of the policies she offered. She gave several examples of how Aflac helped some of her clients. I chose the short term disability policy in February 2016. Had back surgery in August 2016 for cysts that developed in my spine. The rep sent me the paperwork to be filled out 2 weeks prior to the surgery so she could get it in the system early to speed up the claim process. The claim was denied because the surgeon and my employer signed the forms prior to my day of disability, which was the surgery day. Still waiting to hear back from our Rep. Beware of Aflac. I have heard from several people that they had the same problem with getting their claim approved by having the paperwork incorrect. I did what our insurance Rep. instructed me to do to no success. Will be canceling my policy. Stay away from Aflac.
I received a check for intensive care for Marvin ** and since he passed I can't cash the check so I sent a fax back with the form you told me to send with a death certificate. Now they tell me they didn't get it. I'm so disgusted with this, I have done all they told me to do. Every time you call you get a different person and nobody knows what's going on. I would like attention to this. Fax sent 8-5-16.
I only gave them 1 star because no stars was not an option. Problem number one: I faxed a claim form to them because my husband was in the hospital 2 nights for emergency appendectomy. After three weeks we still hadn't heard anything so my husband called, the lady he spoke with said, "Oh! That's the wrong fax number." (It's the number at the bottom of their hospital indemnity claim form!!!) So she gave him another number. I faxed to that number and it was a phone number to some other random company! So I called and spoke to someone and she gave me yet another fax number, it seems to have worked, we'll see.
Problem number two: when you read the fine print they find any reason not to pay your claim, so I'm sure we won't get payment for his surgery and hospital stay. Problem number three: When you call, the CSR will ask for your SSN to look up your account. I said, "I am not comfortable with that. Can you just take the last four digits?", after she sighed loudly and hatefully at me, she responded no, she can't open my account that way. I said, "Well I'm not giving it to you." She then looked it up with my address and "birthday" and company I work for. Guess what? She was able to find it.
Problem number four: We have called multiple times and are usually transferred at least once to someone different. All total I would say we have spoken with 8 different people and they were all the same ethnicity. Now, I'm not racist by any means, but there is ZERO diversity at this company and it makes me uncomfortable! I honestly felt (and my husband did too) that because we are of a certain ethnicity that we were not taken seriously and in fact they were put out that they even had to speak to us.
Problem number five: We have yet to get a CSR whose name we can spell much less pronounce and none of the CSRs that we spoke with spoke clearly, or understandably!!! Do not believe the commercials when they say "claims paid in four days" - no no no!!! They find any and every reason NOT to pay your claim. In fact they give you the run-around (wrong fax number and so on) so that they don't have to pay! This is the most ill run company I have ever dealt with!!! Don't waste your money! I cannot wait until open enrollment so that I can cancel my policy!!! AFLAC SUCKS!!!
I requested funds to be sent by mail on June 20. Address was changed on June 17th. Spoke to Tami ** on July 14. Informed her via email that check issued on June 20 had not arrived, to please send a stop payment for. On July 18 Tami sent us an Lost Check Affidavit form. This is when I noticed the address on the form was incorrect. A month had passed by, and repeatedly assuring me that the address was correct on her end, I find the affidavit form to have wrong address. To make matters more frustrating Aflac employee insisted that I absorb the notary cost.
I asked to speak to a manager on July 18th. Got Mr. Jacob **. I explained the situation again, confirmed address again. He assured me that a check will be put in the mail on July 19th. But on July 21, Jacob ** took it upon himself to stop the check and now wants to wire proceeds. During this time I started to deal with him via email as trust was not there. On July 22 I received a wire completion email. Then on July 25, another email wire did not go through. On July 27 received email wire sent. All during this ordeal, I never once heard Jacob ** show any understanding empathy, acknowledging responsibility or taking ownership. I wanted to avoid the cost of sending/receiving wire and that is exactly what I was forced to do. I asked to speak to Jacob **'s boss, and was told that she is out of the office. However, if Joan ** does not look closer into her staff and into Jacob then I am afraid this will continue its course. A total disappointment!
I purchased their Hospital Indemnity plan and on June 1 was in a very serious auto accident. I was in ICU for 2 days, CCU for 5 days, and in the Rehabilitation Hospital for 14 more days. 21 days as a hospital inpatient. My claim with AFLAC was denied because they said "I wasn't in a REAL hospital"!?! I was in the ONLY Level 2 trauma center in all of Northern Nevada (Renown Hospital) - and they say it's not a REAL hospital??? My hospital bills are now more than $175,000 and they're refusing to pay my $2,900 claim? You're better off buying some Crispy Duck at your local Chinese Restaurant than buying insurance from these guys!
My husband and I are in ND working till my better half can retire. He has been paying on a policy since 2001 that started out being a policy for accident on him only. In November 2015 I fell and broke my ankle at a business that has refused to pay anything on my injury at their location with witnesses as I keep getting the buck thrown at me. I returned back to work 2 months later and there is a rep from Aflac present. I told her my situation when it was my turn to talk to her. She looks up my husband's policy and said that, "It's not an accident policy for him. It's a supplemental insurance and you can turn your paperwork in and get some of your medical and mileage back." Boy was I a happy camper. So I gave her all my paperwork (kept originals) and she said she sent it in, this was in March.
Here it is July 28th 2016 and I have not heard anything from Aflac. I have tried contacting my agent with phone calls and e-mails and nothing. I tried calling the 800 number and was on hold for 45 mins and using up my cell minutes. Not sure what to do here now that I have done all that I know what to do. I had gotten another policy in March (you scratch my back sort of thing) with the money being taken out of my check which I am going to have stopped because it's my money. Insurance is something you can cancel at any time. Not at the end of a policy but anytime. No one can tell you how to spend your money. This is coming from a retired judge so I am going to take his word and just stop payment from my paychecks. I hope that Aflac learns from all of us and starts treating people right but as you know you can't fix stupid.
I signed up, as a single mom, for 3 policies, Cancer Indemnity, Accident Indemnity and Short term Disability, in 2005, with a boyfriend selling AFLAC. He hooked me by telling me I could sign up as a business owner, and avoid the bank withdrawal (not that they haven't tried absolutely everything to get my bank info). I put the policies in a drawer and have been paying 109.94 monthly ever since. Recently, I had some outpatient procedures, and pulled the policies out. Also noticed that 2 of the policies have wellness clauses (annually, $135 inclusive). I immediately filled all wellness for the last 4 years, as well as my 2 first outpatient surgeries, expecting at least $1000 to come reasonably soon.
I received a check for $50 with 8 denials and 2 "no answer." The denials were due to AFLAC's claiming that I had changed my policies in 5/15/2011. They provided me with ONE contract (cancer policy) FORGED. They have ignored all of my requests for other signed contracts made on that date. The policy salesman claims to know nothing about any changes in 2011. With everything I have read so far regarding AFLAC's theft and dishonesty, I am praying that an attorney has picked up on this by now. Please let me know. I have copied countless documents, along with the overcharges that I receive each month.
What a joke. They don't even owe me that much money. But they would rather screw me over than pay me. It's only July, but I am not allowed to cancel until the end of the year. What a scam. That is wrong. If you are unhappy with something you should be able to cancel then, not five months later while they are still stealing money from your account. I was off work for two weeks. Called my rep. She sent me papers to fill out. My DR did everything they wanted. My rep told me every single week she would call me back the next day. For three weeks I have wrote this lady and asked her to just be honest with me and tell me that they are not going to pay me. I would rather that than to just be yanked and lied too. NOPE! She won't even respond. After reading these comments I am glad I was just out two weeks pay instead of some of these horrible stories.
I will not allow this place to make my life any more stressful. But as soon as I can I will cancel my policy. It may sound good on paper. But it's a giant scam. Maybe at one time they did what they said, but not anymore. They won't even write you back. Shouldn't we be able to do a class action lawsuit? DO NOT GET SUCKED INTO THIS SCAM! Put your money in a saving account. If something happens you know you have money and you don't have to beg for it. I feel bad for the people that have been used. I have put money in these fools' pockets for over five years. And they won't pay me for two weeks. But I am done. I may be out of money for the rest of the year. But I won't ever sign up again. Run away from AFLAC. They just like all other insurance companies don't care about anyone but the almighty dollar in the pocket of the rich.
I purchase life insurance for my husband through my employer with other policy that Aflac was offering. I was not told by the agent at the time of signing up that if I was terminated by my employer, none of the premiums will be refund to me. I find very dishonest from the agent not to disclose that and furthermore no one ever contact me after been terminated to continue the payment on the policy. Today I was told "sorry I can't help you as your policy was terminated and you are not eligible for the premium paid on the policy." Every paid period $62,50 was taking out of my pay for almost 5 yrs totaling $8125 of premium down the drain. I must of have the word STUPID writing all over my forehead. Please don't invest on any Life Insurance with AFLAC.
I had surgery 6 wks ago for lateral condylitis, now that's something that just don't happen for no reason. I filed all the asked for, then the email me and told me my claim is denied because it's not an accident or injury, are you kidding me. For 1 yr I was receiving ** shots that was not working. This all happen because my daughter was in a half-body cast and from lifting her this happened to me. I am out of work for 3 months. PLEASE DO NOT GET AFLAC. They lie and run you around like crazy and no one in that company cares.
I had surgery June 2, 2016... I've been with Aflac since 2014. I filled a claim June 14, 2016. I've sent in everything I was asked to send in. I keep getting told my claim is escalated... The customer service reps are not trained to answer questions regarding claims. It's July 13, 2016 and I still haven't heard anything about my claim. I need help to see what's going on on with my money. I've been out of work and have not received any money but they are still taking money out of my account.
Illness Policy says it covers a hernia. When I sent over a claim, they said the clause says no surgical procedure is covered if it's due to injury. I said how the hell would you get a hernia unless it's from injury. A hernia is combination of two things, a weak stomach muscle and a strain. I asked 4 reps why they would list hernia and no one had a answer. This is a fraud.
I really hope by writing my review I can save many others the grief, anger, frustration and money that Aflac has cost me since signing up for their policies!!! Anyone even considering opening up a policy with this company is STRONGLY urged to run the other way as fast as your feet will allow!! I honestly do not know how this company gets away with such illegal, deceitful and dishonest practices! Just a heads up, this may get long, and I apologize, but it is definitely worth reading.
I first signed up for Aflac Group when they came to my job and offered us amazing group-rated discounts through our union. Being a single mom, I immediately signed up for 3 separate policies for myself and my daughter. The rates were just too great to pass up. My agent and I signed off on a monthly premium amount of just $45/month, which equated to $22/23 per paycheck being deducted. For 3 policies, a price like that couldn't be beat! I hardly missed it in my checks. About a year later my daughter fell ill over Christmas with the flu and was hospitalized for a few days. I was forced out of work but didn't stress, knowing I had my "Hospital Indemnity" policy through Aflac to cover me. Within a month I received my benefit amount for $400 by check in the mail, no problems whatsoever. The amount was a bit less than what my agent had promised me but I just let it go because I was thankful to receive any amount to help with bills.
The following year, same exact situation occurs. Right after Christmas my daughter is severely ill again with the flu and hospitalized for an entire week this time. She was really bad, and then the doctors found an issue with her kidneys while running a routine exam so we were there even longer. Needless to say, I was out of work for over 2 weeks!!! As a cocktail waitress working off of tips to survive, this killed me!!! But again, I didn't stress, knowing I had this policy to back me. And for each night she spent in the hospital I was to be reimbursed $100 so I wasn't worried. I was able to focus on my daughter and care for her as needed. But after sending all my info and paperwork over to Aflac in a timely manner, I heard nothing... One month, 2 months. So I was finally able to get in touch with someone to explain to me what was going on.
I was told I did not qualify for the benefit of this claim because my policies were CANCELLED (which coincidentally coincided with the exact same dates my daughter was hospitalized) and then reinstated by Aflac because my payroll department had made an error and I was "underpaying" my premiums for the last 2 years. So in order to receive this full benefit amount of $950 that my agent had promised me, I would first have to "catch up" on my premiums. I was never notified of my policies being cancelled. Nor did I consent to or authorize them to be cancelled. There was no correspondence whatsoever that these policies were cancelled by Aflac themselves.
I was then told I would be receiving a check for $300 after they paid the $600 and some I "owed" to bring me current on my premiums out of the $950. After fighting with Aflac for 8 MONTHS I finally received a check for a little over $900 in the end of August. I told them I wanted interest on this benefit that was owed to me back in January and surprisingly they sent me another check for $200 (after I was asked if I was still pursuing with the lawyer).
Meanwhile, since January of 2015, I noticed I was now being charged DOUBLE the original premium amount I signed off on. Instead of the original $45/month (and I still have all the original paperwork with my signature and my Aflac agent's signature, plus my official policy that was mailed to me from Aflac with their company letterhead in plain black and white!!), they were now deducting $90/month from me ($45 per paycheck) and claiming that it was due to my payroll department's error. I contacted my payroll and they said they were only deducting what Aflac was billing them!!
Again, there was no correspondence, no notification, no knowledge of this taking place. I probably never would have even noticed if a coworker hadn't pointed it out to me. And, yet again, I never consented to this amount, nor did I ever authorize Aflac to deduct this new amount from my paycheck. I never would've signed up if it was going to be that much!! Nowhere on file, in this universe, do they have my signature or consent to take that amount of money from me!! I told them back in August of last year that I wanted to cancel my policies because I simply couldn't afford it. But that never happened. Of course, life happens, and it fell by the wayside and I let it go.
Forward to now - I finally had enough!! After my daughter fell sick and I was out of work for as long as I was, and it took 8 MONTHS to get paid, it was like a giant snowball effect. My life just fell into shambles. I was broke! I just couldn't recover from that, again as a single mom on my own working off of tips! I fell 4 months behind on my rent, my cable was shut off and I just couldn't make ends meet anymore. I was evicted and forced to move back home with my parents, along with my daughter. Aflac has ruined my life! And they couldn't care less, not one bit. In fact, they CONTINUE to steal from me!!
In April of this year, 2016, I finally called Aflac and asked EXACTLY what I needed to do to cancel all policies! They emailed me a form that I filled out and faxed over right away. Of course, I heard nothing back for days, for weeks. I finally had to call them to see what the deal was and they said my policies were cancelled as of 4/26/16. Thank you Jesus!!! I wish I could say that it ended there.
I noticed that they were STILL deducting premiums out of my paycheck for not just one pay period, not just 2, 3 or even 4... But for 5 MORE paychecks!!! It was now June 23, and they were STILL deducting the $45 premiums from my check!!! So, again, I call them and ask why they are continuing to take my money when I am no longer enrolled and I was told it could take up to 4 weeks to process and that I would be reimbursed for any overpayments. OK, great. I finally received a check in the mail today, 7/5/16 (after cancelling my policies back in April) and receive a check for a lousy $45?!?! That's only one pay period!! Where are the other 4?!?!!
AGAIN, I call and am told that it can take up to 4 weeks to process and I will only be reimbursed for anything deducted AFTER that!! How is this legal?!?!?! I have cancelled all policies, no longer authorizing Aflac to TOUCH a dime of my money!!! Yet they still take it, and refuse to give it back. I wish I had known then what I know now about this fraudulent company. It would've made a WORLD of a difference!! I'm pretty much stuck between a rock and a hard place right now, because of Aflac. I am currently searching for a lawyer to take my case in front of a judge, to FINALLY get some justice. Aflac has lied, cheated and stolen from not just me, but everyone I know that has a policy with them. Please heed my advice and look elsewhere. You will save yourself more than just an enormous amount of money.
I had filled out the application for a claim 3 months ago and keep getting responses for other items. They say they need an accident report and that's not requested on their form and then they needed something else that's not requested on your form. Their forms and the requirements for filling it out are very inaccurate. Just one way of delaying the payment process.
Despite what they advertise online AFLAC does not pay its claims when filed correctly or in a timely manner. I faxed a claim last fall and still have not been paid. They claimed to have received the claim form itself and not the medical information. It has been re-sent, and they still have not paid. You will call and talk to a supervisor and they will tell you they will put it back over to claims and you should see something in 48 hours and you see nothing in your bank account or hear nothing. You call back and call back and you cannot reach a supervisor.
I now send hard copy all of my claims, and they still do not pay, or under pay. I had a claim that I know they received as they cashed my payment check sent in the same envelope, but under paid the claim by hundreds of dollars, claiming they missed the MRI, claiming they missed the correct number of PT visits. You are speaking to a supervisor and they tell you it will be sent back over to claims, and ask and are told 48 hours, but again no payment, no follow-up. This company is no longer servicing their customers. This is very sad!
Matthew BrodskyInsurance Contributing Editor
Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.
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Aflac is one of the best known American insurance companies. It offers various types of insurance, including disability insurance.
- Real cost calculator online: Users can calculate the probable cost of medical care for injuries or illnesses prior to beginning a claim.
- Health insurance as well as disability insurance: Users can purchase insurance to cover specific medical conditions or general medical care as well as disability insurance.
- Short-term disability insurance available: sers can get short-term insurance to cover them when a temporarily disabling condition hits.
- Lump-sum policies cover long-term illness: Although Aflac doesn't offer long-term disability insurance, users can get a lump-sum benefit for a critical illness, allowing them to continue to support themselves.
- Rapid online claims processing: Users can file claims online and upload documents to get their benefits within 24 hours.
- Best for People who have been injured, people recovering from surgery and people with a chronic condition.
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Aflac Company Profile
- Company Name:
- Year Founded:
- 1932 Wynnton Rd
- Postal Code:
- United States