Aflac

Well about 1 week later I did call Micheal and he guided me step by step on each of my policies and what to ask for when I go to the ER, dentist, chiropractor etc. I thought it was gonna be a complicated and difficult process and to my surprise, it wasn't anything like that. Everywhere I went, the second I asked for the particular form, the staff members knew exactly what I was talking about. So here I am with forms with all kinds of medical terminology that I know nothing about for myself and all of my children. From dentist, obgyn, pediatricians, emergency rooms, chiropractors you name it. He also helped me on what Aflac booklets to read so that I'd know what information to include in the cover letter of the fax as well as the actual papers such as my policy#, name, policy info. etc.

Each time I had no issues, I believe one time a claims adjuster (anytime a claim is filed its assigned to an adjuster) I remember reading someone else's review and they stated "that every time they called, they were told they had to speak to a specific person". I don't mean any harm but when it comes to me having to call a company as large as Aflac, I'm ecstatic that I have to talk to the same person when I call concerning a claim. That way you won't have to constantly keep repeating your situation over and over again only to be told different answers by each person u talk to. That would drive me insane.

So every time I called, which by the way was like 3 times, every time I faxed my paperwork I'd call the cr to make sure he/she received it. Then I waited like 24 hrs, because at that time it was a 3 day wait time. Anyways, there's a number I called but I believe I had to wait at least 24 hrs after my claim was submitted, I was asked to follow the prompts, then put in some of my info like birthdate and claim #, and it would tell me right then and there if my claim was approved or denied. Mine thank god, was always approved.

There was only 1 problem I had with Aflac and that was after I had my baby, she had to stay in the hospital for about 28 days and they denied my claim. When they said they covered hospital stay and intensive care. I was suppose to get like$350-$550 per day. I was so emotionally drained from constantly being with my baby, my other kids and trying to survive, I put it on the back burner and never did get around to appealing that decision. I'm gonna call them to see what their procedure is regarding things like appeal etc if there is even such a process they have, just for my information.

Now I don't know all of the other people's facts about their cases and claims, but I do know that when filing the claim it's a good idea to go over your policies, to make sure that all your paperwork is in order, check it to make sure everything Aflac is asking for is included, if you still are a little lost, contact your Aflac representative (because everyone should have one in their area or within their employment) and lastly please make sure that when you send your claim and all paperwork, that it's through an email, or some kind of communication source that will be date and time stamped like fax, scan or email. That way if the day and time has any significance on how, when or how much you will receive, you will have your proof and can always pull it up for verification if you may have to go another route in retrieving your compensation. You know what I mean. Anyways good luck everyone and I wish you all health, happiness, peace and prosperity.

I filed for the disability on my policy and have been rejected and have it gone on and on and on in a spiel back-and-forth with them regarding this claim because they see it as being an on the job injury of workman's comp and yet I am self employed. I do not receive any type of AW to or A1099. Because of the statement of the doctor they're refusing to pay for my disability and yet I'm still paying into this policy. I think this is the biggest crime to customers that they can do. All because of the wording that it fell on the job and yet it is my place of employment and yet I am self employed they will not pay me out.

I will never ever use this company again! I been dealing with them since July of 2019 and it is now the middle part of October and still have not gotten anywhere. My representative feels that I should go ahead and sign another authorization form so that she can go ahead and see if the doctor will re word deed disability claim and try to file a new claim to see if I can get what's due right to me. What's your take on this? Also my accident and hospital pay outs took over 30 days from the date I filed so this thought that they go ahead and give you something within 24 hours to reimburse you is not true, maybe with the huge company but not if you're single employed person like me. Don't trust the duck!!

The party informed me verbally, that there were no "loop hole" or "hidden requirements" and that the coverage would take place limitedly when we were to sign up with the program. They provided us with the form that I will attach, and nowhere in the form does it state and requirements or standards to follow. The party verbally promised us that this is the best plan for someone trying to begin a family, and that this is the coverage we would need. I had asked to see the fine print before I signed to which the party stated that there is no fine print and we will receive a full package after we signed up. This statement was completely fraudulent, misleading, inaccurate, and predatory, because on 8/13/19 I discovered that I was pregnant with my first child, and informed Aflac that I was and would be needing to take my maternity leave in April when my baby was due.

On 3/1/19, my doctor placed me on disability due to severe back pain, pregnancy arthritis, insomnia, and severe sciatica. On 4/15/19 I gave birth to my son via C-section, and stayed at the hospital for 5 days due to having the surgery. Afterwords, I had submitted the $5,000 hospital bill, which Aflac had stated that they will cover, to Aflac, only to be denied stating, that "I became pregnant too soon". I have contacted the Aflac representatives informing them of the deceive, in which they stated that there was nothing that they could do, and to appeal the claim. I had filed an appeal, one month postpartum with a newborn in my hand, and stuck with a 5,000$ hospital bill, to which Aflac denied my appeal.

Not at anytime did any representative state that I had to become pregnant at a specific time, even with the information that I had provided them regarding my pregnancy. They provided me with paying me a partial of my salary for maternity leave, yet refused to pay the 5,000$ hospital bill, that they stated they would cover. This is completely disgraceful, deceiving, fraudulent, and manipulative. I feel extremely taken advantage of, specially since this is my first child begin born. The Aflac representatives saw the opportunity to sell a fraudulent package, and took advantage of my excitement to start a family.