Aflac

We haven't had Aflac very long, and we've already had to file a claim on my husband. I have submitted every report they asked for in a timely manner, yet 1 month into the claim and 2 days before my husband's cancer removal surgery, now they want more paperwork. They should have asked for everything they were going to need at the beginning, as I have had to miss work, waste gas and time getting all these things they want. Still no decision, as they are still waiting for MORE paperwork after a month!!! This is highly unsatisfactory and extremely disappointing as the consumer. They make you promises they don't seem to keep, and you're going to have to do ALL the legwork. They even sent for an associate statement via business class mail... WITHIN THEIR OWN COMPANY! Good luck, you're going to need it.

I've had AFLAC coverage for 4 to 5 years and have used it before without very much issue until now. I was out of work from early May to the end of May with an injury and was unable to work. As always I went through the whole process of getting the proper forms filled out from my doctor (I use V.A coverage which is very slow and unresponsive) after waiting 2 to 3 weeks for my V.A doctor to fill out her portion, I had my H.R rep fill out her portion which took another 3 to 4 weeks. Now we are into June when I fax AFLAC their forms to begin my claim. Of which you get no correspondence from AFLAC concerning your claim...no emails, no phone calls or alerts... nothing...you have to guess and hope that everything is going ok???

I have been out of work since April due to being an expectant mother and my job calls for more than I can handle being pregnant which cause me a lot of stress so my Dr. put me out on disability until I had the baby. So I did all my paperwork. Waited the 10 business days to be approved. Found out a detailed disability was not on the paperwork so it was denied. Meanwhile I found this out by calling Aflac. Not even by them notifying me there was a problem. So I have the Dr. fill the papers out again and add the disability and send it back over. So I wait another 10 business days. Come to find out the paperwork was missing a date of return to work so it was denied again which is confusing because all of it could of been avoided with a phone call to me instead me calling to check on it.

I have been trying to get things faxed to Aflac. They claim that they only receive part of it. Most unprofessional thing I have ever dealt with. I have multihull claims and I can't seem to get anything accomplished. I have thousands of dollars and will be in bankruptcy shortly. My opinion Aflac is a fraudulent company. What a mess. It is a trap to disqualify a person. They get their money every 2 weeks right on time. To me it's reverse insurance fraud. Our credit rating are in the 700's. Now we’re going to be bankrupt. So sad how big corps rob people while we suffer. Worked all our lives for nothing. Aflac should be investigated.

I filed a short term with Aflac in early April, and was subsequently denied 7 days later. I was advised by my employer to resubmit the claim as per our Aflac representative, and so, the claim was resubmitted on 5/29/18, and I received an email confirmation that my documents were in fact received by Aflac. Here we are 13 days later, and whenever I call, or check online for a claim update, I'm informed that portions of my claim are still being reviewed. What happen to the four business day timeline for a response, and furthermore, if my original claim took 7 days to deny, why is the appeal taking twice as long to approve (or, based on the other comments on this blog, denied again).

Aflac seems to be giving me the run around with paperwork. I uploaded forms that was said unreadable. I was told to fax the forms. Now, I'm told it's no longer a quick claim because I faxed the form. I was told it will take 7/14 days for reviewing and receiving any type of payment. This has been going on for a month. I'm beginning to think it's not worth the time.

I broke my ankle. It took 14 days to receive my first check (4 days was getting paperwork together 10 days for Aflac to review). I was not released to go back to work. My agent filed for an extension. It will be 19 days before Aflac has time to look at it (7 days waiting on doctor reports 12 days for Aflac to review). On page 7 k. my policy reads, "TIME PAYMENT OF CLAIMS: all benefits payable under this policy will be paid immediately upon receipt of due written proof of loss." I have given them this written proof of loss. I don't think Aflac is a horrible company. They just don't live up to the image they put forth in their television commercials or honor the timelines written in their policy.

Stay away. For six years every two week they have been taking out money out of my check. Finally is the first time I can put it to use. At first I called customer service for the claim forms which they easily emailed to me. I had to wait seven days to fill them out. After 7 days I filled all the claim forms and I am ready to fax it "yes fax cannot email it".

My employer does not offer short-term disability. Instead, they offer Aflac. I have been paying Aflac premiums on nearly every policy they offer for over 10 years now. Two months ago, I had a major surgery. Being single and having only one income, I put in for disability payments immediately. Right weeks later, I have yet to receive one plug nickel from Aflac. "They're running behind..." "They're still processing it." If I were not able to borrow money to live on, I'd be in serious trouble right now. I go back to work this week. After I get my money from Aflac (if I ever do), I will be dropping every policy I have. I'll be better off putting away the money I've been paying them.

On January 04, 2018 I discovered that I have been overpaying premiums for many years. I first joined Aflac in 1998 and have been a customer since. I put my grandchildren on the policies (I have 3 of them) when I obtained custody. I relinquished custody of the grandchildren in November 2004. The area representative was informed of this change. The problem is Aflac never removed the grandchildren from any of the policies and has continued overcharging for many years. I have sent Aflac all court papers, birth certificates and whatever they requested.

After being told for over a month that I qualified to use my benefits with Aflac for being put on bed rest because I went into preterm labor and bed rest was to keep it from happening again that just send in my paperwork so they could process it, today when I called to see when they were depositing benefits instead I get told I was denied and now the only way I can possibly use my benefits is if I just go ahead and have the baby when it's not even time yet. So this company would rather have me risk my unborn child being born early than to honor what I was told over a month ago.

I've been an Aflac customer for over a DECADE. I've referred several dozen new customers locally where I live. I've even been a large proponent of having numerous coworkers enroll as well. Within the last 6 months I've experienced incredibly unprofessional customer service and an even more uneducated staff. I don't know what kind of modeling changes have happened lately with this company, but it's been absolutely egregious in nature. It seems that there must be some massive fiscal shift in their coverage and how their staff is educated. It seems as if their staff is trying to deny claims, in hopes people will get frustrated and give up.

I purchase 2 Aflac insurance policies back in Aug 2017 for disability and hospital claims because I knew I needed both at the time because I was pregnant and the Aflac man promised everything was good and I would be straight when I went out work. Well that was a lie. I went out of work April 17 2018 thinking I'm gone get short term disability. I sent all paperwork that was supposed to be sent. At first they kept giving me the runaround. I'm calling every day checking and then 2 weeks later they denied my claim because they said I supposed to be on bed rest. Well why didn't the Aflac agent tell me that? I wouldn't even purchase this CRAP MAKING PEOPLE GET BEHIND ON BILLS BECAUSE OF Y'ALL LIES. THEN I HAD MY BABY ON May 9 2018 and sent my required documents for hospital claim on May 25 18.

My wife’s previous employer did not offer short term disability insurance so an Aflac rep. came to her work. The rep. sold nearly all of the employees on the scenario of having short term disability insurance for maternity leave. Being that most of the employees were female and in their 20s and 30s this was the perfect sales pitch.

I signed up for STD insurance to begin on May 1st because we were working on getting pregnant through physician assisted means. I was VERY specific with the agent with regard to procedure dates and he assured me that I would be covered. After becoming pregnant July 7th, I started really drilling down on my policy to MAKE SURE that I would be covered by sending the agent an email in December. Again, being VERY specific with due dates and the probability of early delivery dates (as a result of twins, which rarely make it to the due date) as well as the potential for complications such as being REQUIRED a C-Section (as this procedure was not wanted or a part of my birth plan, but medical staff continued to warn me of the possibilities), I asked the agent to verify that I would be covered based on this information.

I have filed a short term disability claim opened on March 5th, 2018. My physician inadvertently check permanent disability which did not apply on the claim form. 80 days later they requested a new claim form that has been submitted by fax and also to the agent. Aflac states the new documents have not been received. I have emailed both Aflac claims department and the agent and have not gotten a reply from either of them. There is also an issue with an accident claim that payment was issued for physical therapy but was not issued for the 2 back surgeries and an overnight hospital stay of which Aflac had all the records for!

Do not buy Aflac under any circumstances. They will promise you the world when you need them but will never be there for you. I was a loyal customer on time paying for 12 years and filed a claim which took 9 months for them to process. Their processing and organization is the worst and require you to do all the work and if you provide them with numerous repetitive documentation that they require, they still always deny your claim. Delay tactics is what they do to frustrate you and hopefully make you give them a reason to not pay what they promised. I was fortunate to be in a financial situation where I did not need to rely on the money, but most people rely on insurance to help them in time of need, THEY WON'T AND DONT CARE ABOUT YOU AND YOUR FAMILY! They care about profits.

I have been trying to file a claim with Aflac for the last 4 or 5 weeks. Every time I call no one can find the numerous faxes or emails I have sent with all my forms. And my agent has not answered or returned my calls. I cannot return to work for another month and have bills that need to be paid and apparently Aflac cannot be depended on to file your claim as fast as they advertise or for that matter honor your claim at all. Also, my company has included Aflac in our insurance that we pay for. Ben extend I think is what they called it, so we have that PLUS I also pay for the traditional Aflac, every payday the money comes out of my check for me and my spouse but they can't find that either. As far as they are concerned I have the "group coverage" which pays little to nothing compared to the traditional and that is why I also added the traditional!

I was going to sign up for Aflac but each time I speak with a representative I get a dozen different answers. I have also asked for a pdf of the policies to be sent to me so I can read and then decide what to do. Also, if I read the policies it will open up my questions which I would like to be answered. Please have someone from the true corporate service policy area email me back. Thank you.

I have had Aflac for two year. And have used Aflac once. This is the second time for me to use Aflac. I was in a car accident and have a traumatic brain injury. I have been sending the Aflac agent in Orange County all my medical paperwork so that Aflac can process my claim. And every time I talk to the agent, I am told that she will call Aflac to see what is going on with my claim for traumatic brain injury. And I never hear from them again. I have been at home for 2 months and going on three months and I still have not heard or seen anything for my injury. Note Aflac did pay my Kaiser copay but that was it. I was under the impression they would be paying me while I am off work recovering from my injuries. Isn't that why we pay for Aflac to cover the client (s) when they are injured. ** was for the Kaiser copay.

I am a new customer to AFLAC, and my first experience with a claim representative was horrible. I was in the Emergency Room for chest pains and shortness of breath. My blood pressure was 200/100, so they admitted me for a possible Heart Attack. I was in the hospital for 5 days, including out of work. I contacted my AFLAC representative for a claim, and I was denied due to my stay was not 7 days or more. My representative explained to me she will have to go back and resubmit the claim, and that was the last I heard from her, and it's been a month.

Signed up for Aflac through work. Typical salesman... Lies... Lies... Lies. Had surgery on the 8th. All required Aflac paperwork submitted by the 10th. Today is the 29th. Still no payment of benefits. I call Aflac. They tell me my claim is on hold. I called the agent who sold the policy and she tells me it's not on hold yet can't tell me when I will receive payment. Nobody at this company has proven to be competent. Lights getting ready to be shut off and the kid is starving. Buyer beware before enrolling with this company.

So I signed up for short term disability in hopes that one day I could have some help if I needed it for bills should I have an emergency which is exactly how they explained this would work for me. Well... in March I had an emergency C-section and my son and I nearly died. Thankfully we’re fine. I had nearly forgotten I had the policy because I was really messed up from the whole ordeal and having a 2 month premature baby in the NICU will do that to you, however, my husband reminded that we had that and I needed to file which I immediately did because some hardships had us in a bind with our money and we didn’t want to lose our apartment because we had nowhere to live in that city where our child was hospitalized.

I was sold the policy from a sales rep saying that if I were admitted into a hospital for 24 hours or more, they would pay the benefit. I had a gastric sleeve done to treat my fatty liver disease. Apparently, this is part of the exclusions that allow them to deny benefits. So I got denied my clam the first time because when I submitted it, I didn't explain clear enough it wasn't for weight loss, but to address the fatty liver issues and see if I had cancer. I sent in an appeal letter. They never processed my appeal because I didn't include a formal letter saying I wanted to appeal the claim denial decision. I only found out it wasn't processed because on day 40 of my 45 day period on when I was supposed to hear about their decision on the claim, I called.

On April 29, 2018 my husband broke his right foot at home. He went to the ER the next day. Two days later I put in a claim for Aflac. Two times he has been denied. They state that his break is from diabetes. They knew he was a diabetic when we started with Aflac. They are now using it as an excuse to deny all claims. This is not fair. His break has to do with him not acting his age and playing rough with the kids. Do not waste your time or money with this scam.

Aflac is a reliable, honest company. My mom had Aflac for over two decades prior to me enrolling through my work 7 years ago. It helped her through some really tough times when we were younger, and has helped me significantly the past few years. They pay claims quickly and effectively communicate about any missing documentation for a claim.

I submitted a request for claim to be paid and it was denied. I submitted all the forms and paperwork as well as contact info for every doctor, MRI and hospital stay I had a bill from. I resubmitted with additional info again denied. I have now filed an appeal where I actually drew arrows next to dates and codes to get their attention so they read that I was within the 72 hours to see a doctor and I had surgery not just a quick appointment and sent home. I am hopeful that someone actually takes time to do a good review and accept and pay the claim as it should be paid. The only contact they attempt to make is mailing me letters telling me they denied my claim. I am very disappointed in AFLAC especially since this was my first time having their service and had been told it was great. I would not currently recommend this service to any of my family or friends.

If I could give less than 1 star I would. Surgery on 3/8, claim still not processed. Called today told claim closed, will be reopened though they acknowledge they received all required. Will be reopened and reviewed in 3 days. Not optimistic that I will ever get my claim paid. Feels like a scam. You are better literally taking the money you spend on Aflac and putting it in a savings account every month. I wish I had come to C.A. before I signed up. I definitely would not have as it looks like I am not alone.

I signed up for Aflac in 2014 for a short term disability policy to cover maternity leave when we decided to have kids. My daughter was born in Feb 2018 and I filled out all the necessary paperwork to Aflac. I had contacted them prior to let them know that I had to resign from my job 4 business days before my due date because my family would be relocating to another state after my maternity leave. I was told it would be no problem. My first claim was denied because I was not employed. I spoke with a representative and they said it should not have been denied if I met the requirements of needing assistance with at least 3 ADLs.

I had a partial hysterectomy in May 2016. I signed up for my policy in April 2016 to make sure my family would not be without financially lacking. When I signed up for the policy AFLAC agent, Mr. Randy ** of Northport, AL, did not informed that I could not use my policy with the first thirty (30) days of purchasing it. I contacted AFLAC customer services and talk to one of their representatives to find out was there a limit on the years after my surgery of filing my claim and she said no. So I filed my claim two (2) years later and my claim was denied. That I don't understand. I have paid this policy for two (2) years and when I decide to file, I am denied. What is the use of the policy, if when you file a claim that you are denied. Buyers beware. Your claim probably will not be paid!!!