Aflac

I have had my policy with Aflac for just over a year. My wife and I obtained coverage since we own a small business together and if either of us are injured it is a big deal. My wife tore her ACL this year, requiring surgery, and after filing her claim they offered her just $80. They provided no explanation of what was covered or why, or what was missing. After spending 9 hours on the phone with them and with doctors and sending numerous documents to aflac, they paid $900. Again, no explanation of benefits. On the Aflac website a torn ACL with surgery is listed as an example, with stated coverage of $2,400. Company is impossible to work with - they don't say what they are covering, why or why not, and that leaves us confused - and canceling this worthless policy.

I started a claim on February 4, 2021 for my wife who was hospitalized because she needed an emergency surgery to put a pacemaker into her. Ever since the initial claim I have been getting nothing but the runaround from this company. The first time I called to check on the status, they claimed that the UB04 form was too light. I then darken it and resubmitted the UB04 form, when they then said that they couldn’t see how long she was in the hospital, what type of room she was in, and they needed an itemized bill.

Cancer policy bought several years ago as payroll deduction through employer. Recent company change requires transfer to direct pay. Simple enough, right?? Not any more!!! I've spent hours trying to reset online login password, get customer service on the phone and get action via emails to corporate office. Today's 800 Customer Services has "4 HOUR call waiting". Even after contacting the sales rep and sending an email to the Corp office, no resolution. Now shopping for new policy with a different company!!

I had joined Aflac through my job. As I a member I was supposed to get paid if i was taken by to hospital by Ambulance, if I was admitted into the hospital for a period of time. Everything that this crooked insurance said that needed to be done for them to pay out was done. They still refused to payout. The sales agent said they were having issues with their computer system which they said delayed my enrollment even they had signed documents of the actual date of enrollment. I felt this company is a fraud and stole my money since they said they had issues signing me up but not taking my payments.

I have 2 policies with Aflac through my Job. They show up present themselves to our Company and we bite. I get accidentally injured at home. File a claim and turn in any possible paperwork I need for them to accept my claims. They continue to reject my claims and refuse to pay out. But are quick to take out those $20 a week from my paycheck. I literally feel scammed and robbed. I will never recommend them to ANYONE! Worst experience ever. They are not worth mental and financial stress.

I have been trying to change the direct deposit account for my mother's benefit payments for her long term care policy for three months. I have tried to contact Aflac in all ways possible and they refuse to make the change, since they say I should have access on their website. Which I do not, and have sent them screen shots to prove that they do not have the feature they all have referred me to. They will not even allow my Aflac agent or claims representative help me make this change. One interesting note is changing my mother's SS direct deposit to her new bank took minutes. Aflac is worse than the Federal Government for service.

The adjuster was more interested in meeting the 30 day deadline as opposed to understanding the claim and need to speak with the treaters rather than relying on forms that needed to be filled out by the physician. I was out on a stress related claim and wound up more stressful with having to explain and follow up myself with the doctors. In the end, I was advised that I was denied pay while out for 6 weeks but FMLA protected. Why—-because I was able to do math and comprehension problems. They failed to review insomnia, inability to focus/concentrate, headaches and everything else during COVID new way of working that was affecting my health! Terrible experience.

Aflac is the disability insurance thru my employer. I recently had lots of illnesses after Covid shots. My main treating physician has provided certifications and notes to support my short-term disability, However... (1) Aflac Delay Tactic - Aflac kept delaying my case; No return calls from case manager or no reply to my emails sometimes for several days, until I called again and again. After weeks went by without letting me know what the status is and what they need, they just denied my case.

Veteran here, had PTSD related mental break in April. Submitted VA Doctor's information who sent over list of meds and reason for meds with period of time. Aflac says not enough and want to see notes from therapy meetings to determine if I meet their standards of “?” because they won’t tell me what they are looking for. Very HIPPA sketchy.

For many years I had the full medical/injury claim with this company. I had an injury and filed a claim. Suffice to say they used every excuse they could come up not to pay anything. Of course I cancelled my policy after this but all the years I paid for what? They say a lot but beware you might not get anything and they will get everything! This is a great scam that they use to get your hard earned money!