Aflac

I have 5 kids and my kids are in sports and after school activities. They have been in some accidents and I have made claim with Aflac and it's been a hard time getting my claim approve and it's been going on for almost a year now.

My husband purchased Aflac from a client at his shop, he soon learned he was uneducated in what he is selling. He was told many things that was untrue as far as coverage and claims. A few months after obtaining I went into hospital followed by physical therapy. He was told we would get $300.00 a day for hospital and so much more for physical therapy. Three times I was denied. Soon after that my husband had surgery as well and of course every excuse in the book once again on why they deny the coverage. I will be contacting my attorney and the BBB.

Three times I have had to call and ask why my claim has been denied only to be told they didn’t understand the documents submitted and they would have to resubmit for review. It appears to be a game of, "If we deny it maybe the customer won’t understand the coverage and accept not being paid." Surgery documents submitted but had to call to say surgery was performed. Prescriptions submitted but not paid for prescriptions. Every item had to be followed up in twice.

I submitted a claim, only for it to be denied because it was “diagnosed within 30 days of the policy effective date”. The effective date was 09/27, I was hospitalized on 10/29. Now I have to wait for over an hour and a half because someone at Aflac can’t do basic math. Every call is an absolute nightmare as the wait time is NEVER less than an hour. How this company gets away with this and stays in business is beyond me.

I had AFLAC coverage in 2018. I wanted to increase my coverage amount. But I was planning to schedule surgery in late Dec 2018 or Jan 2019. I called AFLAC several times to confirm that if I go out on disability late Dec, would the days I am on disability in 2019 be paid out at the 2019 rates, and the 4 days in Dec paid at the 2018 rates. I was told YES, the 4 days in Dec will be paid at 2018 rates and says in 2019, will be paid at 2019 rates. So I scheduled my surgery for Dec 13. So with the 14 day wait, I would get 4 days in Dec pay rates and 32 days in Jan at 2019 rates. Well after my surgery and just now I am told WRONG. The entire disability period in 2019 will be paid at 2018 rates.

The representative did not follow procedure when I canceled my policy. I was not billed for a whole year and then all of a sudden money is taken out of my paycheck for a policy that I CANCELLED a YEAR earlier. I contacted him and of course was given excuses... This was in September. I continued to email/call from October 2018-December 2018, and then his supervisor got involved and I did not hear from him again. He lied to me EVERY. SINGLE. TIME. It is now January, I have been emailing an administrator and sales coordinator since December, and I am still working to get my money back. They took it from me like nothing, but want me, and our payroll person, to jump through hoops to get it back. I sent my pay stub that shows it was taken out. Why do you need more than that? They are all either incompetent or devious or both. STAY AWAY FROM AFLAC!

Updated on 1/08/2019: Spoke with rep ** and he stated the documents I had emailed to rep ** was not able to be reviewed because of an issue with the document. Further stating it would not open. So he proceeded to provide me with his email address so I can once again email the documents to yet another rep to "forward to the escalation dept for review with 48 business hours." How many times have we sang this song and did this dance. Well, he confirmed he received, and was able to view the document emailed. He confirmed he could read the diagnosis codes from the cardiologist. Hopefully this is the last time we have to do this stuff. I'm not happy.

I had some questions on how I should go about getting my claims paid. I have an accident policy A36000 OPTION 2 class C. I'm in Kansas. Anyway, I was having a normal pregnancy as I did with my first 2 children seen my doctor 2 days before I went to the emergency room because I slipped in the tub at home while I was pregnant trying to stand up and started having full blown contractions and severe pain thinking I would be okay I waited until I could hardly stand up to go to the ER.

I have been pay Aflac for 4 years now every month. I sent in a claim about month and half ago. The doctor had put incorrect date on it so Aflac explained he needed to send letter explaining the correct date with new forms filled out. Which is what we did. They still denied it saying it hasn't been 180 days but it's been 182 days. The person I spoke with didn't understand why they didn't approve it either and sent over an email to whoever. It's really frustrating cause I pay them every month so I can use it when I need to.

After filing a claim, was paid quickly and claim closed. One problem, they didn’t pay for hardly anything the policy said was covered. After sending 22 pages of documentation. I call claims department and was on hold for 2 hours 49 minutes only to have the person answering pick up and act like she couldn’t hear me and end the call. Seriously! There is no way to contact them except the email on the site which gives no email address. I sent a message with no response. I’m reading the reviews here and it seems AFLAC is not the company it advertises.

I have had Aflac coverage for many years. I have always trusted Aflac, until now. I had a stroke in October 2018. Not a TIA, an Ischemic Stroke. I have been out of work since and it will take months to recover to a point I can return to my full time job, if ever. I had an MRI and a CT confirming the stroke and type. The language on the claim form clearly states: Did the patient have a stroke, meaning apoplexy, secondary to rupture or acute occlusion of a cerebral artery? YES All the hospital documentation was sent and Aflac DENIED my claim. There is small print verbiage about having permanent damage in order to qualify. Those areas of my brain are dead brain tissue (sounds permanent to me). I am struggling to regain what function I can. As of my claim, there is permanent damage from the very definition of stroke on the claim form. Will go to Insurance Commission next.

I have been paying for an Aflac cancer policy for over a year. I gave 100% complete and factual information to the agent, who completed the paperwork. Fast-forward a year. I have a surgery followed by a diagnosis of cancer. I submit a claim. Submit ALL my medical records (myself) for the past three years. Aflac says due to having cancer less than two years previously they are denying my claim. They suggest I was not honest with the agent. The person in the meeting discussed my previous diagnosis in detail with the agent submitting paperwork.

A gentlemen came to my job. Offered a quote. Told him I was unsure so he stated he would put thinking on down for me, now I’m getting paperwork stating I have now have a policy. No one seems to be able to help me get out of something I did not set up.

I have had my policy since 2017. In October of this year my wife was injured while at Universal Studios Fl. 3 days later she went to the emergency room with severe pain and numbness in her right arm. Of course they treated her for a possible heart attack even though she told them it was her neck. After they ruled out the heart problems they did several tests including an MRI. She was admitted and saw a Doctor the next morning. The Dr noted that she had 2 herniated discs in her neck and also noted the accident. She stayed in 3 more days and got an epidural before release. On 11/29 she had a cervical fusion done on the 2 discs.

I had a heart attack in June 2018 and filed a claim with my representative and agent. Mind you I have been paying for Aflac for 3 years at this point and never used it. I sat across the table with the 2 of them the day after I got out of the hospital. Had both these ladies looking at my policies on their computer. They had my name. My social. My birth date. They both looked over my policies and they both looked me in the eyes and told me that I was "going to make bank" off this. When it was time to pay my claim I was denied. The reason given to me was, and no lie here, they had the wrong policy pulled up. They claim to have had my sister's information instead of mine. How does this happen? They still had my married name on my policy so the last names weren't even the same.

They are not considerate to life insurance policy holders at all! In order to make a simple payment you either have to mail in your payment or call in... in almost 2019. Why not set up an online option for customers to simply pay their bill??? Or have an option, on the automatic system, specifically for life insurance and callers will get routed to the correct department. Instead you have to wait for 30 mins to an hr for a representative, then after verifying your information, you’re told that they can’t do ANYTHING for you or your life insurance account and they’ll have to transfer to the “correct” specialist so that they can handle it.

I have a policy through my job with Aflac. I injured my wrist at work in February, which is worker comp but Aflac still helped. They offer a amount to physical therapy and such but by the time the company agreed to my surgery in September Aflac representative assured me I’d get certain monies for have surgery and being hospitalized if needed, all I needed was a surgical breakdown and of course after my surgery they send me a letter saying that since it was after 90 days I didn’t qualify. So now my bills are upside down and they go on. It upsetting because I called before my surgery for reassurance and was lied to. Buyer beware. It would also be nice to have a written breakdown of what Aflac pays specifically and when.

Aflac, promised to help pay my bills for a covered accident or illness that required me to be out of work. On October 31st My wife was admitted to the hospital for surgery. She spent two days in the hospital & was out of work for the month of November. Six weeks after the surgery she received a check for $500.00 which stated final payment She kept trying to contact Aflac with no luck. Today she finally talked with someone & was told the hospital stay is not covered despite having the hospital indemnity plan and that the first 14 days out of work are exempt from payment. I don't know how the people selling these plans sleep at night knowing that they are hurting people when they are at a low point in their life.

I work in a small business where there is no insurance or workers comp. We bought the Aflac in case of getting hurt at work to have something to help in an emergency. I had emergency hernia repair surgery 11/19/18 a month later after being promised on 3 occasions my money was 24 hours from release, now they are asking for UB-04. My hospital says they cannot give me a UB-04 that’s for insurance. I’m a self pay. Now after promising my money was 24 hours from payment they are asking for every scrap of paper from the second I walked into the er even though they already have my surgery notes and hospital receipt showing everything including surgery and hospital stay as well as surgeon’s notes etc.

Updated on 12/24/2018: Aflac... Responses on Facebook to my post about my claim with AFLAC being completed were very happy to say the least. I too was happy that a claim got filed and was paid. The rest of the story is that of the claims (more than one) that I filed, two of them were denied benefits because of a rule AFLAC has that says the hospital stays must be separated by 90 days. My wife was moved from one hospital to another hospital at the insistence of her healthcare provider because the hospital she was in wasn't in the "group" that the healthcare provider is associated with. It was not our decision and I was not happy about that move. That was done again when the last hospital said she needed to be moved to a long term care hospital.

I have been a customer for at least 20 years. I have never filed a claim during that time. When I do they deny my claim. Takes forever to talk to a person. I really find this outrageous. Why does company not have more phone operators. Doesn't matter what time I try.

You'll eventually get your insurance money, but be prepared to jump through hoop after hoop and get the runaround for months. You can expect to wait till all your bills are late and your credit is scarred before payment comes through.

I have had my Aflac accident policy since September of this year. I had no problem with my claims up until 1 week ago. They were asking me to provide a signature form, and release of authorization form. Wow. That is such a stupid way to get out of paying a claim. I asked the lady that they have never asked me for this information. Now all of a sudden they want this information. She replied, "Aflac have the right to ask for any type of information throughout any time"! Lmfao. Yeah you're right idiot...& I have the right to decline to send it in and I have the right to cancel my policy! After all of this time they have never I mean never asked me to provide this type of information up until a week ago...why? Idk. Because they didn't ask that 4 months ago. But it's cool. I cancelled my Aflac policy. Have a nice life of scamming others who are really hurt!

I was diagnosed with skin cancer. Been receiving my cancer benefits since 2014. Now Aflac telling me my policy don't pay for office visits and my policy only pay for cancer. I have skin cancer. Every time I call I get the runaround.

Been having a problem with a sales agent since August /September, 2018. He has given be contradicting information on more than one occasion. At the end of August he informed me that a check was mailed to me. Have yet to receive it. Pretty certain he was lying about it. At this point I have absolutely no belief in anything he says. On several occasions he has suggested that I am asking him to bend or break the laws. This couldn't be further from the truth. I have asked for the rules and regulations as to why there would be a problem with my claim repeatedly.

I have made 30 plus calls to AFLAC trying to get claims paid. I have provided itemized statement, UB-04, operative reports, discharge summary, office notes. I have asked for supervisor to call at least 10 times, no calls. They keep denying claims for different reason each time. They offer false advertisement, they take your payment out of checking account without a missed beat. But when it comes to helping the customer you are out of luck. I am looking at a way to sue. You can't contact the corporate office, all numbers they give you are for claims etc. All representatives say is, "I am sorry" etc. but nothing happens.

I am not happy with Aflac. I have the hospital plan. I had an emergency appendectomy on November 13th. Went into the ER at 1 pm, was in surgery by 4 pm, was in recovery by 6 pm, and moved to a room at 8 pm. I submitted all of the paperwork to Aflac, and they are denying my hospital claim. They said because my UB04 form does not have a charge for the room, they will not pay. They said I was only in a recovery/observation room!!!

I have four policies with AFLAC and overall I have been satisfied. Usually, I don't encounter any issues with AFLAC. However, lately I have experienced problems getting my same day claims paid timely. To ensure that I am not in error, I try to send the supporting documentation that is requested when asked. Unfortunately, my latest claim is taking forever. Although I have gone to the hospital to obtain the documentation requested and submitted it. Now, AFLAC wants my medical records from the hospital to confirm the date of service. The hospital is stating that it normally takes approximately thirty days to process medical records request. So, I sent the Medical Records office telephone and fax numbers to AFLAC so they could get verification of the service date twice; but, my claim is still in pending status. It has been a vicious circle. It makes me wonder if I need to just cancel my four policies. This is ridiculous.

First the ad that Aflac pays as fast as 1 business day is false. I have being Aflac’s customer since 2012, and when it comes to short term disability, Aflac does everything in its power to stall paying a claim. I submitted my claim with all 3 necessary documents on 11/14, my claim was only reviewed on 11/29, when then, they said that they wanted the Dr’s note since I became disabled. Next day, my Dr faxed all requested, they then said it would take 4 more business day. On the 5th business day, I called, and then they need to check the address and phone number of employment, which it did not change, but I provided along with my boss direct line. Well that will take another 2 business day, because it was escalated. Now it’s 12/11 and no one called my boss, and of course I haven’t being paid.

I've been an Aflac customer for 5+ yrs and all of a sudden my claims are being denied. A table fell on my foot and I had to have a X-ray. Severely swollen that I can't wear a shoe and Aflac said it was just foot pain and it wasn't an accident. How is a table falling on my foot not an accident? Secondly I was on hold for 1 hour twice last week and today 12/10/18 I've been on hold for 3 hours. This is beyond unacceptable. I bet if I called saying I was interested in purchasing a policy my wait wouldn't be this long. I'm seriously considering canceling all 3 of my policies.