Aflac

Run away from them as fast as you can! My husband and I have a policy with Aflac. We were in a car accident and submitted a claim on our policies. I submitted everything. After not hearing anything for a while, we made multiple attempts to contact our agent, all of which failed. She never tried to get back to us. I submitted a request for help to the website. When we finally received a response it was that they needed the police report. It had already submitted it, but I sent it again, via mail as they couldn’t take another upload to the site for whatever reason.

I have had 4 Aflac policies since 11/2012, Hospital, Accident, Short term disability and Life Insurance through my Employer, with no lapse in coverage. I upgraded an additional unit on my Short Term Disability policy on 1/2018 for the additional weekly pay. On 7/10/2018 I had a total knee replacement and was in the hospital for one day. Aflac paid under the Hospital Indemnity policy I have had since 11/2012. I had to wait for the Employer's Statement which I emailed to Aflac on 8/2/2018 in the morning. I had a message in the message center on 8/3/2018 that they had received the form.

I have had coverage for over a year now and not once can I get a representative to respond to my calls. They tell you one thing and do nothing. I wouldn’t recommend to anyone. You call the main number and their response is “you have to get your representative to help you”... Very poor communication skills. Do not let them suck you in.

I have purchased the Aflac cancer policy through my employer. The policy was enforced for over 2 years while payments were made through payroll deduction. So no payments were missed or late. A month ago I filed a claim for this. I was told on the phone that all information was received and a decision would be made within 4 days. 15 days later I had to call Aflac only to find out they needed a HIPAA form in order to get more information from my DR. I thought all was in order? Now fast forward another 20 days and Aflac is claiming the company they use to filter this information hasn't received it from Dr yet. I find this kind of funny because I am holding a fax confirmation from my Dr that clearly shows it was received by Aflac 15 days ago.

After getting all the documents to Aflac regarding my husband hospitalization in which it is covered by my policy at work back and forth with this Aflac people only to denied it because per their letter date of service June 19 to June 22 is not covered because my policy is not effective till July 1st 2018; which is so stupid because I filed claim for date of service July 15 to July 22 2018 which I have all the claim form along with itemized bill medical records and discharged papers that their underwriter ask me to send, for what just to deny it. This company should be closed for fraudulent advertising and misleading information and cost.

We have an accident policy with Aflac. My husband hurt his shoulder water skiing and called his primary care doctor 2 days later because he was still hurting from the fall. The primary care immediately schedule him for an MRI the same day and we were fortunate that my medical insurance approved same day so he could get the MRI. Unfortunately the MRI revealed he had a tear in rotator cuff area from the water ski injury. This just happen and his primary has scheduled him to follow up with a specialist. I received the MRI report, diagnosis, and UB04 billing statement including my payment receipt. I called AFLAC to go over all information required and I was advised over the phone I had everything needed to submit a Smart Claim.

After comparing different accident policies and cancer policies I went with Aflac based on research. Well I was wrong. I went to the doctor and was told I have early stages of skin cancer that they need to freeze or remove. No problem thinking I have Aflac and their promise of easy claims. They paid for the initial visit but denied the follow on service. So lesson learned. The money I paid out I could have saved.

I lost my sight in my left eye on March 11, 2018. I am a stroke patient and this has been a terrible experience for me. I was out of work until June 1, 2018. I filed a claim with Aflac for the first time under Critical Illness and on June 29, 2018 a very rude rep told me my claim was denied because I didn’t lose my sight in both eyes. She wouldn’t even assist me with information to file an appeal. I had to call back to get someone nice enough to help me. I don’t understand what I have been paying for if I can’t get assistance when needed. Now my claim sits in an appeal status and no one provides an update. I have to keep calling to check my status. This will be the last time I ever use Aflac and recommend it to anyone. I will contact my employer and provide them with the treatment I have been given. My Neurologist initiated this claim on my behalf and nowhere in the policy does it state one would need to lose sight in both eyes.

I purchased my useless policy through Aflac... Buyers beware. I provided every single document concerning my temp. disability from serious illness. At every inquiry I was put off... requiring the same thing already sent. I have legitimate claims that were all denied. Zero dollars paid out. My hard earned money in the toilet. I was completely frauded with promises of my claims being covered. Do not waste your money on this useless company.

My aunt died December 5, 2017. I am the administrator of her estate. She had a cancer policy. I have been dealing with AFLAC since December 21st, 2017. I finally received a check around July 10th, 2018 for $1,355.00. I have requested a copy of the policy. I have called and I have faxed. I have not gotten any kind of response. I need a copy of the policy but I cannot get one. I even received an invoice for payment since she died. They can get the invoice to me but somehow I cannot get a copy of the invoice.

I went through the process and did everything that was required of me. Well here is where the BS started. First, they do not even tell you there is an issue with your claim. I had to keep on calling to find out what the delay was. People on the phone do their best. But their info is limited. Next, they claimed my policy (Critical Care Insurance) was not renewed on Jan. 1. Wrong. Next, I had to re-fax all the info I faxed numerous times already. Finally, I got ahold of someone who seemed to want to help. She found out the claim was waiting on a supervisor to OK it. Now is this the plan there. Wait out people with critical illnesses, hoping they will expire. Sounds a bit loopy, but hey, what else can it be.

I recently had hernia surgery on 7/13/18. Submitted all the requirements from me/employer and surgeon. Was told I would get their decision on 7/26/18. First off what’s the decision? I’ve had this policy since November 2017. Never used it until now. You advertise same day pay in some cases. All I keep getting over the phone is another 48-72 hours for the decision to be made. This company is a total joke. Pay your money through payroll deductions every week and all you get is the run around. My next complaint will be filed with the BBB and I have even considered contacting my attorney over this matter. It’s a shame when people pay for this coverage but get jerked around when they try to use it. Insurance companies have become such a joke over the last few years.

Worst experience trying to be paid out for a claim that only yielded $65. Submitted the claim over a month prior and had to call 15 times to keep things moving. Had to resubmit documents that I had sent previously just to be told that more documentation was still needed after sending 2 weeks prior. Waste of time and left me very frustrated. I have paid into the plan for more 2 years and never filed a claim previously. Would not recommend Aflac to anyone, I will be looking into a new insurance company. I will be advising my employer of 12000 employees of the horrible service since this is a benefit offered through my company.

I have to say that I am extremely dissatisfied with Aflac. Partially is fault of my own, I should have read the fine print. But seriously, they are going to cherry pick what accidents they are going to cover? An accident is an accident. Apparently me paying them out of my check every other week was for no reason. Had I been putting away that money into a savings account I would be able to use it right now when I need it. For this ACCIDENT that happened. Anyway...them not covering my husband's accident that occurred while he was under the influence prompted me to see what else they wouldn't cover...so pretty much everything.

Out of work since 6/19/18- short term disability. All paperwork was submitted by 6/28 and confirmed received. Last 2 weeks I’m told they were migrating their computer system and could not get status in my claim, I have called every day and now being told computers are down since 7/16 and sorry can’t speak to anyone and nothing they can do. They have all paperwork. I should have gotten my Money within the first 10 days! At least by 6/30/18 nothing!!! We are behind on bills and rent.

I purchased a Cancer policy, find out in this year that I have cancer. I filed a claim with Aflac and now they are refusing to pay. The claim is in "supervisor mode," which a manager is stating can stay indefinitely. I am not happy with that. We always hear about insurance companies taking people’s money and then later refusing to pay the claim. Aflac is doing the same here with me and many other people. Aflac you should want to be better and do your customer right. DO THE RIGHT THING!

Aflac is nothing but a lie... they say payout and receive a check within 4 days... Huh in what world?? I've been out of work since April 13 and I paid extra for short-term disability to make sure I get paid starting 7 days on illness/1 day accident just in case anything may happen in the future. WHAT A JOKE. I have been taken off of work by the doc for medical reasons and it's been 3 months and still not a damn dime. No one returns calls and they keep saying the same ** story. Aflac keeps requesting more and more information in which I give to them immediately and still NOTHING! I call every 3 days and no one can give me any answers, all they continue to tell me is... it's under review with the auditor, there's more info needed (which they already have EVERYTHING from my doctor), or... no need to keep calling just check the website. It doesn't matter what I do. I STILL get no answers to when this will be settled.

The incompetence and disorganization at AFLAC is astounding. I’ve been with AFLAC for 2 years now... I have every policy available including short term disability. Over Memorial Day weekend on May 27, 2018 I tore my left bicep tendon almost completely off my bone... A freak accident at home... Had surgery on June 8,2018. They have given me the run around for 2 months. My agent Megan ** who signed me up for the policy says that headquarters is having trouble determining how much to pay me. 6 weeks ago Megan submitted my W2’s from both 2017 & 2018 and also my last 40 hour check stub prior to Memorial Day. The reason I purchased this policy was to help pay my bills in an emergency such as this... I’m seeing an attorney this week. Hopefully she can get something accomplished. Seek elsewhere for your insurance needs.

I fractured my foot May 7th and filed my claim with AFLAC, When I filed it said to receive your money faster to do direct deposit, which I did. I have emailed over 30 documents from my ER visit, ortho visit, etc. and called over 16 times to "check on claim" after about the 10th call the representative (and you always get someone different who takes several minutes to check their computer) said "Oh didn't they tell you that our "imaging" is down?" I stated that whatever problems they were having THEY needed to fix. I asked to speak to a supervisor/manager and they requested one to call me back 3 times but still not call (said it would be within 48 hours).

I broke my foot on April 29 or so. Sent the paperwork in for a broken bone which is 5 grand if that broken bone needs surgery. Mine was just broken and in a boot. So I submitted a claim and they paid 2500$ fairly quickly. But after wearing the boot 2 weeks new xrays found it splintered and fractured more and needed surgery. I got 3 screws and a plate. And a pin on June 4. I submitted the surgery paperwork June 4. When I didn't hear anything for awhile on June 20 I called them. And they said they were missing a surgical report. So I got the fax # and called my Dr to fax them the surgical report. Then I waited an hour and called Aflac back and asked if they received the fax, they said no. So I called my Dr again and asked them to resubmit the fax.

So I've been out of work since 5/17 and had to wait the standard 2 weeks to file so I did. I waited three weeks to receive $400 because my paperwork said I could return to work on 6/7 although I sent additional paperwork stating that I'd be out until further notice because I had 2 brain aneurysms and needed surgery. They told me that I had to submit a continuation of benefits and I did and it's now post-op and they're telling me that I'm gonna have to wait until 7/19.

I have been paying for Aflac coverage since 1/1/18 and in April I was admitted to the hospital for 4 days. As soon as I was discharged I tried to submit my claim and all the info they spout about paying claims in 48 hrs was bogus. It truly is a scam. After being told I wasn't eligible for an online claim for quick pay, because I have a "group" policy, my nightmare began. Following their instructions to the letter, my hospital sent the 81 pages of documentation they required 3 times and was told repeatedly it was not received. Now it is July, and no payment for a simple hospital claim.

I just signed up with these people and I’m getting all type of the run around. I applied on July 2 and I’ve been told several different things on why I haven’t been paid yet. I’m very scared to give them my money. If this continues I’m almost positive I will be cancelling with them.

My husband had a heart attack in July of last year and Aflac paid with no issues. In April of this year he began having chest pains again and had several tests which led to a Heart Cath and 2 new stents in June. He was out of work for 8 weeks during testing. We filed his disability claim and every few days they want something new! All the paperwork is in order and properly completed. There was no issue paying the amounts for the new tests on the specified event policy. Why can't they just pay it and get it over with?

I filed my accident claim with Aflac on 7/3/18 for a broken foot. Was surprised when I received an EOB (explanation of benefits) from Aflac on 7/4/18 with how much my claim was going to pay and that it was going to be direct deposited into my bank account. All it takes is to have ALL your needed documents when you submit your claim!

I was originally very proud of the fact that I had Aflac then I'm really not sure how it got this bad, but I called my representative on the 27th and finally on the first a person with a job title District Supervisor emailed me. The next day I received an email from the same named person stating he is the owner. I don't know who he was and really don't care but Aflac isn't a small company. My claim was denied because I haven't a clue how I messed up my back. What I do know, the criteria is so word slippery that I'm done giving my money to a company that collects money happily, then puts so many conditions on getting any for a claim that quite frankly it's not worth it. Oh yeah today is fourth of July still no contact from my adjuster. Truth is I agreed with them, told them I read my policy and they don't owe me nothing on any of my policies just to be done with the word games. Then I promptly cancelled my policies.

I've had Aflac for the last 4 years. I have the accidental policy and critical illness. I work out every day and drink apple cider vinegar to help loose my stomach. Well one day I was working out it felt like I pulled a muscle in my side so I didn't think nothing of it. So I continues my daily routine. The pain got worse so I went to the emergency room they did a CAT scan. And transported me by ambulance to another hospital. I had to get emergency surgery because my appendix had burst. That is considered abdominal.

Group accident, hospital indemnity and critical illness - I originally had traditional Aflac, unfortunately, my workplace forced me to change to group in order for the paycheck deduction. I have had nothing but issues since I changed to group insurance. There is no ability to file online, no contact upon Aflac’s claim receival, and most importantly denied claims. My wife has a fractured tibia due to a failed knee replacement, I was told it is considered a sickness, because there was no exact accident (a fall, car accident, etc). My wife did nothing to cause this fracture or the failure of the replacement.

My cousin's husband has carried Aflac Cancer Policy for over 40 years and went to the emergency room because he was having a hard time swallowing. He was informed that he had cancer that had spread to several areas and was admitted. Several cancer centers were monitoring him and deciding on his treatment. He passed within two weeks. I called AFLAC for my cousin because she was emotionally distraught and found out what they needed and what it covered. We got 181 pages of everything that was done or given to him and mailed with the paperwork. Over 1 million in expenses in the two weeks with the Chemo and other drugs and treatment.

My boyfriend added an Aflac accident policy to his work insurance at my suggestion, it seemed like a good idea. He was hit while on his motorcycle on May 29, and spent 6 days in the hospital with multiple rib fractures, a neck fracture, and a fractured wrist. I filed the claim on May 30 and heard nothing for three weeks. When I called to inquire I was told that the claim was denied because the chart notes the hospital faxed to Aflac did not prove the injuries were an accident. The aflac employee I spoke to was able to find the words motorcycle accident on the chart notes right away and sent the claim back for review, supposed to take 4 days, we're still waiting. What good is this policy if it's not there when you need it. They should be ashamed.