Aflac

I had Aflac for two years. I had a surgery and I am off for three months. Aflac has not paid me anything. They keep denying my claims. I have sent over document. They asked for legit documents from me my employer and doctor. Still they will not pay me. I’m also not able to contact my agent. He never answers his phone. I leave messages. No call back. I text him. No response. I’ve recently filed a fraud claim against them through Federal Trade Commission and am going to email the attorney governor for Texas and Ohio. I do believe that's the state it’s based out off. Do not let these people fool you put of your money with that stupid Aflac duck.

Aflac is worse than State Disability when it comes to paying out claims. I submitted my claim back in December because I was in the hospital in November for Covid and I only receive $406. They pay $20 a day. My doctor said I was not able to return to work as yet, All the information was stated on the claim form I had to call them back in January 2021 to see why I did not receive another payment. They told me that I need to fill out another claim paperwork, filled out the paperwork send it to them on January 12, they sent me back stating that they need a copy of my Social Security card, sent them the information and still have not received a payment yet. As of January 30, 2021 still no payment, you call customer service, they put you on hold for 2 hours.

Have a few policies with Aflac for myself and my wife through my employer. On 4 of the 6 policies, they have a wellness benefit that pays between 50 and 60 a claim for doing things like a physical / annual checkup once per year. Filed a claim for all 4 policies in February of 2020. Kind of forgot about it, but around Jul 6 I recalled that I didn't receive anything so I called to figure out what happened.

I have had a cancer policy since 2008. Every time you call the wait times have been between 1 hour and 1 hour and 45 minutes. Then to also find out when they do call you back that claimed will be processed around a certain date at the end of the month. They used to have claims processed in 3-4 days but now it's whenever and whatever date. To pay the premiums promptly they want your money immediately but when it comes time for them to pay you you wait forever.

Every negative review about this company should be believed. We had to file a complaint to the Virginia Bureau of Insurance to get our final payment. They have the run around down to a fine art. When you call you have to chase a real person. Then you are put on hold while they "look into it" or "consult the claims department". They ask for unneeded information such as a detailed itemized surgery report even when they have the diagnosis from an oncologist as well as a biopsy. You send what they want and when you don't hear anything you call and go through the same phone disaster only to have someone say they didn't get it. Then you repeat this same process until you decide you cannot continue to fight cancer and AFLAC at the same time.

January 2020 I received a promotion to Supervisor. After passing my trial period I then became eligible for full benefits. I was told that I could sign up with Aflac. After being interviewed by salesman over the phone I got a couple of products including short term disability policy. Sept 30 2020 I was diagnosed with a heart condition after going to the emergency room. I was kept in the hospital on a Sunday night and had open heart surgery on Wednesday. Since then I have had to make over 20 calls to Aflac about my claim. Each time I have to wait hours for a call back because they claim to have an unusual amount of calls the entire day. I keep getting letters in the mail stating the paperwork was incomplete or they need additional documents.

I have paid on a cancer policy for many years. I was recently diagnosed with breast cancer and had a double mastectomy. I am FIGHTING to get any money from them. My agent's phone # is disconnected, I am currently on hold and it has been 57minutes, and I am also using the chat feature. Their entire goal seems to be NOT to pay out unless you turn in more documentation than is believable. My pathology report wasn't enough. On and on. Forms are generic and don't match the situation. I have a 4000.00 IMMEDIATE cancer diagnosis benefit, that should not require me to fight this hard. I don't need this type of frustration on top of everything else. I truly feel like they put up so many roadblock that many people probably end up dropping the whole claim.

Had knee scoped in August. STD was filed 9-22. Still have not received anything from them. They always need some other form when they have all the information there. 0 stars for them. I have called numerous times and I cant count how many times I've heard 24-36 hours.

I have had Aflac for years and it has helped me from accidents to skin cancer. You do need to understand the plan you pick. I LOVE MY AFLAC!!! I would recommend it to everyone!! Listen to the person explaining it to you as my friend tried to turn in a cancer claim as an accident and of course got denied.

I have had Aflac since 1999 and never a major claim, until June of 2020 when I injured my back and had to have surgery. Then I had to fight tooth and nail to get benefits entitled and still not ALL what is owed.