Aflac Reviews

I have had Aflac for about 2 years. I have been "laid up" for four months. I have the disability insurance. I became ill with lower intestine problems and haven't been able to work. Aflac has not paid me anything. When I bought this insurance I was told I could pick how much coverage I wanted. I chose the $2800.00 a month plan (I have kids, house and car payments). After about two months of me calling and getting nowhere, I receive letters saying "the plan I bought did not match my income."

I've been a policy holder with Aflac since 2009. I enrolled in Aflac due to my job not contributing into state disability. Since 2009, I've used Aflac 2 times. Both times, they were for my dependent. My son, back in 2013, broke his leg riding a bike. Aflac was accurate with paying out the claim. Now on Sept.14,2015, my 1 and only son was a victim of a shooting... He was shot while coming home from the Weight Room. He was walking home and was shot 5 times. My son is in his senior year of high school, an excellent football player, athlete all the way around, also not to mention an A&B student. My son is fighting for his life and has been in the hospital ICU since sept. 14,2015. I myself have been at my job for 10yrs and I've never been out of work for so long. Not to mention never been unemployed since I was 14yrs.

I had signed up for an Accident plan with Aflac thru work and had it for around 6 1/2 years without ever using it except for getting reimbursed for physicals. Then one day I fell at work and ended up with a very bad abscess. Ended up in the hospital for 11 days! Aflac came through with flying colors. Paid quickly and all I should have got. No complaints. Thank You Aflac! After getting a mountain of bills, it really made a big difference.

The company give false hope on the subject, don't get hurt on the job and think they're going to pay you because that a no no. I've been paying over 11 years thinking I would get paid, such is not the case.

On 9/21/15 I started my short term disability claim with Aflac due to a recurrence of my fibromyalgia. Due to the death of my daughter on 8/30 I was immediately thrust into the most stressful and grief filled time I have ever dealt with and that stress triggered my latest episode with the fibrosis. I sent the forms, my doctor sent the forms, my employer sent the forms. But because the stress and anxiety were listed on the physician form as well as the fibromyalgia, they (after weeks of phone calls and emails) informed me I was being denied because the policy doesn't cover "mental illness!!" I had to again inform them that the stress and anxiety were NOT the reasons I couldn't work but that the fibromyalgia WAS.

#1 I signed up with Aflac along with many others at our school in Aug. 2015. We all were told that we can't get sick before Sept. nor accidents before Oct.1. Well, went to doctors in late part Oct. I called in and was told "Sorry, you're not covered till end of Oct." Why would I get a policy to be told the lady lied to us about when coverage starts and it was totally backwards as well? She said accident starts first then sickness. Wow!!! This is not what she told any of us and many of us are being subjected to unfair polices that don't start when we are told they will. In fact, the lady on phone was surprised it didn't take effect, the payment being withdrawn till Oct.1st, when we signed up in Aug, when first payment should come out in Sept. which makes this Aflac problem, not mine. If my policy is suppose to start Sept.1st, then it should have.

I was very pleased with the customer service always wonderful agents. The problem I had was I had surgery in August 2015. Aflac was great. They responded to the claim within five days, but I had to be off work 14 days before it would start paying. I make a little over 150/day and the payout for being off work for a month was only $33.00/day - yes every little bit helps but to pay 60.00+/two weeks I expected to be at least half my check.

A local agent came to my workplace and presented me the Aflac insurance. The way he told me I saw that's is good and I signed for it after a couple months. When I called customer service, all the information was false now. I've been calling for 6 month. No one can fix the problem. I really not recommended anyone to Aflac.

Son had a surgery to his hand following an accident on 8-27-2015. Claim was filed on 8-28-2015. Called to find the status. Received conflicting information. Every email and phone call, no one knew anything! Called on 9-28-2015 and provided the fax number for Miss Nakita to send the request form. She waits until 10-2-2015 and decided she ain't faxing, against my wishes so she mailed the form. Called med records where surgery was performed on 10-7-2015 and still nothing has been received! I can't wait until open enrollment. Aflac will never get another dime. Who has to wait 2 months for a claim to paid??? Aflac is a joke!

I have been working my father's life insurance policy for the last three months and Aflac has been nothing but obtuse and very hard to deal with. My father was the victim of a workplace fatality in North Dakota when the mine he was working in suddenly collapsed on him. I have sent every bit of documentation I have regarding the incident including but not limited to the Police report, witness statements, correspondence from MSHA, workmen's comp, death certificate and the autopsy report. I have been told by several different Aflac representatives that the claim was suspicious and would need to be investigated, they are asking me for paperwork that has no bearing on my father's death and I feel like they are making it complicated because they can.

Bait and switch. Don't believe any sales person from this company. I was sold a policy for maternity leave and was not covered as promised. It has been 8 weeks and still no payment. This company is immoral and takes your money with no intent of actual reimbursement. I am cancelling our entire business account.

Update: I received a call from Bianca at Aflac and she kindly advised me that they carefully re-reviewed my claim and that they are in fact paying on it after all.

My wife had the accident policy for 10 years. We got married in 2013 and had the rep, Shawn **, add me as a point of contact, so I could call and ask about the account. In 2014, my wife told the rep she wanted to add me to the policy. She signed me up with the agent. In July 2015, I was hurt in an accident and filed a claim. They told me I'm not a client. They simply signed me up as a beneficiary to my wife's policy. I am by law anyway. I have even spoke to the rep about being on her policy. Now they blame us. The rep did the changes, just the wrong ones. They told me tough. I'm in the dark now.

I was given false information by my rep and totally screwed. It sucks that just because they are so big and powerful they get away with this, I have been paying for a policy I can't even use. I have Medicaid for my children, my rep said that it did not matter because this was a private policy and not insurance so when my son had a brain injury and I had to miss work to be at the hospital I was secure in knowing I had Aflac… WRONG. I filed a claim, they sent it to Medicaid so I have been paying for a policy I can't use for 2 years because an Aflac rep misrepresented information. Do you think they care? Nope. So very disappointed that a company I trusted did this and will continue to get away with it.

It is sad to say that corporate allows such horrible customer service or lack thereof to occur in their satellite/hometown offices. It took 3 whole months for me to get a response from an agent in regards to signing up. In which I never even spoke to an actual agent but only the office assistant. Even at that point it would take weeks to hear a response. So when my plan should have began in June (initial reach out was May) then my plan did not take place until August! Very disappointed that the corporate office backs this up even though I have email evidence of everything.

My husband has a Aflac hospital indemnity policy. It's supposed to pay is if he's in hospital for 23 hours or more (admitted). He was. Clearly states that on UB04. However, Aflac is going based on number of "hours patient was observed", which is listed as 19 hours. Which is incorrect anyway because he was observed from time he got to ER (five hours before admission) to the time he was released.

I implemented their plans as an additional option for our employees. When I would have an employee resign or was terminated, as specified on their voucher, I would put 'T' for terminated. They would CONTINUE to bill me for these employees up to 6 months after they no longer worked for us. I would send a letter and they would correct for 1 month only. On one bill, there were 3 employees who were retired or terminated. I put the code and adjusted the bill and paid it. Two months later, they sent me a REFUND check for that month's payment and said they could not accept it since it was not the correct amount!!! I resent it and they sent a letter to all employees that I had not paid their premiums. They are garbage. Truly garbage and unethical.... Dumb.

I hurt my back and needed immediate surgery, multi-level spinal fusion. It all happened so quick that I didn't notify Aflac right away. When I was home from the hospital and able to call my claim adjuster a month had passed. My claims adjuster never called me or emailed me back for weeks. I finally called Aflac direct and they said a claim was never filled. I faxed them all my information from my x-rays, MRI, doctors visits, emergency room visit and finally my surgery with a 4-day stay in the hospital. Multi-level spinal fusion with 2 disc replacement and a bone graft.

From my first claim with AFLAC, I have been VERY PLEASED! I hadn't had my policy a full month and had to have emergency surgery and received my claim payment within a week. Every other claim I have had for myself and my family has been great too. We've had them for about 6 years now because of a friend's high praise on her claims. Recently, I was diagnosed with Lyme disease. Finding this diagnosis out took not only numerous tests, but the right labs and many determined physicians. I turned everything in only to be denied as "ROUTINE CARE VISITS". Now they've also diagnosed me with Babesia and Epstein Barr. All from a TICK BITE! They cover a cat/dog/spider bite because you can see it, but not a TICK bite!

I have had hospital indemnity insurance thru Aflac since July 2013 and paying almost $80 per month. I was recently in a ATV accident on June 2015. I spent 39 days in the hospital and had 14 surgeries. I filed a claim with them, why I was in the hospital and I still haven't received a dollar. Every time I call and ask if my claim went thru they always give me the runaround saying that I need to get more paperwork and that they need a police report. The accident happened on private property so I don't have a police report, all I have is an accident report from the fireman. I feel like they don't want to pay me my money. I see all these commercials saying one day pay and here it is almost three months and I haven't received a dollar.

If I could give Aflac zero stars I would. I have had nothing but problems with Aflac from the start. The representative who sold me my policy gave me false information (he stated that if I paid for a 12-week plan I would be compensated for 12 weeks after giving birth to my child since pregnancy is a disability. That's entirely false). I looked past the misleading information, and went to file my claim. I was put on bedrest for severe edema at 36 weeks pregnant. The first claim I submitted reflected the first day I was put on bedrest due to severe edema (my job requires me on my feet and my doctor mandated bed rest due to the risk of preterm labor) all the way to the date my doctor anticipated me being able to return to work.

In July of 2014 I signed up with Aflac through my employer. In February 2015 I noticed a almost 30% rate increase. I questioned this and was informed that I had been added to a group plan and the increases reflected that. Now I might be looney but my plan was switched and rates raised without my consent, therefore I should be able to opt out of coverage at any time since my original signed contract was null and void. I'm having no luck in getting a response from anyone on this matter. Any suggestions?

I was diagnosed with appendix cancer on July 24, 2015. I filed a claim on Aug 5th. By August 12, I had two checks totaling 14,000 dollars. One check that paid ahead until the 15th of Sept. for short term disability. And one check for the initial Cancer diagnosed on the 24th. Thank God for Aflac. Treated with professional courtesy every time I called. Long time customer since 2000. I highly recommend Aflac. They came through for me.

This is my policy. Bad news travels much faster than good news. To their credit, I'd like to acknowledge that AFLAC FULLY COMPLIED and resolved my issue from my 8/13/15 complaint. As a former agent in the insurance industry, I know problems can originate within any area of the process. Let's hope that all companies police their own. I think ConsumerAffairs can be a useful tool to all companies and businesses.

I've had Aflac for about 4 years but just recently made a few claims. I've never had an issue with getting paid the full amount I am due. I don't use direct deposit but still receive my payment within a week.

My husband was first diagnosed with cancer 9 years ago. Aflac paid $5000. He had a chemo for 6 months. Aflac paid $300 per treatment. He had a stem cell transplant. Aflac paid over $8000 (Including an overpayment where they said we could keep the money.) Three years later, he had a second stem cell transplant. Aflac only pays for one stem cell transplant, but they paid daily for his hospital stay, blood transfusions, and chemo. My husband's cancer is in remission, but he is on what they call maintenance chemo every other week. Aflac pays $300 per chemo regardless. I recommend it to everyone!

At this point I am so frustrated that it is almost impossible to lay everything out in a sensible chain of events. Two weeks ago I submitted a claim to Aflac from 2012, mostly because of a family emergency. Ever since then after Aflac continually says that they have not received the necessary documentation even though I have repeatedly faxed, e-mailed and even used USPS overnight parcel delivery service to NUMEROUS copies of every document that they say that they require to process my claim… it's always the same response. They keep requesting reports and documents that I have sent in time and time again, claim that they need in order to process my claim. I can't even begin to count the amount of REQUIRED documents and forms they keep claiming they have never received. Are they that irresponsible, out of touch or is it the GOOD OLE RUNAROUND? I'm starting to believe the latter!

Wow, after reading some of these reviews I am stunned. I took out my Aflac Policy in January 2014. In April 2014 I had gallbladder surgery and had to stay in the hospital. I received my $1700.00 check from Aflac in 5 days. I have also had 5 other claims with them that were paid within a few days. Never had a problem. My agent Elaine was outstanding. I would highly recommend Aflac to anyone.

I signed up for Aflac a number or years ago and have never needed them. On 01-06-15 I tore my meniscus while on the job. After being off work 8 weeks, surgery and physical therapy I file a claim with Aflac to be reimbursed for my losses while being off work. It is now 08-01-15 and I received a letter from Aflac saying they are closing my case due to lack of information. What a joke this is. I have signed and filled out every paper or document they required me to do so with. I also contacted the Dr. and had his office fill out the necessary paperwork. Now Aflac is saying they don't have what they need and they are closing my case. I do not recommend Aflac to anyone. The one day or two pay they advertise is a joke and not for real!!

My husband and I were both signing up for life insurance and it took over 2 weeks to get anything done. The person who originally started our paperwork left the company so we were pushed off into another person who knew nothing about what we were signing up for, how much or even how to run the computer she had. We finally got everything set up after 2 weeks, then they screwed up the billing taking too much money out of my account. Needless to say, I should of known from how it started and quit everything real quick. Never again and hope others don't make the same mistake we did!!! Go with someone else and save the trouble.

I've read some nasty reviews on Aflac not paying claims and I'm not sure if they are accurate for the accident policy but the Cancer policy is a lifesaver. I signed up for the Cancer plan in December 2013, policy went into effect in January 2014. February 2014, I was diagnosed with Hodgkin's Lymphoma. I filed a claim and they requested additional paperwork. I got the signed affidavit from my doc as well as a billing statement with billing codes and sent to them a week later. The following week I received a check in the mail for $25,000.00.

Had surgery 8 weeks ago due to slipped disk. Our coverage specifically stated that as one of the items they cover, but no, they will not pay as it was not "acute" enough. Well if a person cannot stand, walk or perform any normal function (including using the restroom) and a neurosurgeon clears his schedule to perform the surgery the next day, I would say it is a pretty bad case! We tried fighting them but they are not paying a dime. This company is the biggest scam ever and we will be dropping them immediately. Could not recommend to anyone.

My BF, mom and I all have Aflac and I can honestly say I have never been given the runaround. NOT 1 TIME. Everything has worked so very quickly for me, I hate to say that and then something happen but my mom was admitted into the hospital in Feb for gall bladder (old fashioned way) and then 2 days after that she got a pacemaker. She wound up with over $2k check which was amazing. My son has broken his teeth 2x and I have yet had to fight and argue with them. I always say we could be poster people for Aflac. I just can't believe how phenomenal it is.

7 years. Paying every week for accidental coverage for Aflac. Finally an injury happened. Dislocated shoulder. Filed a claim with Aflac. 50 dollars. Bs!!! Would never recommend Aflac to anyone!!!

Example? This April, I had abdominal pain. Dr recommended I go have an Ultrasound, which was then followed by surgery (June 16).

It's been 5 weeks since my hip replacement and the go around with Aflac. First I left out some form, then I didn't fill something out right, then they couldn't find my policy, then they said they wouldn't pay. That was just the first week. I have utility companies threatening to turn off my power because Aflac does not care, they take your money but that's all. DO NOT BUY AFLAC. IT IS A SCAM. They send you from one agent to another and then have to start all over. Sometimes one agent says "there is another form you forgot" and then you talk to another one that has no clue which pretty much describes the whole company.

Submitted my wellness benefit with all proper documentation before 3:00 pm, according to the ad should be paid the next day. I even signed up for direct deposit 2 days prior so there would be no issue with that - the website stated it would take 24 hours to get direct deposit generated. Received my online statement this morning, EOB on-line states "Your payment should be direct deposited into your bank account within 1-2 business days, depending on your bank's funds availability policies." We trying to give them the benefit of the doubt, maybe the payment was pending in my bank account... No sign of a deposit from Aflac. They just can't seem to keep their word no matter what.

This was my second claim. Both times were horrible. I will be back to work before I get paid. Their commercial that they say gives you pay day the next day they lie. You don't get paid forever. They don't contact you when there's not enough paperwork there they say. No one let you know what's going on. No one will help you. Their service sucks. Their claims service is even worse. Do not get Aflac.

I filed a hospital claim back in December 2014 with Aflac. I have been getting the runaround since December 2014! At first they were requesting doctor's note from a doctor my husband only seen in the hospital once. Several times I stated this to the company they have all the information they needed. Once that issue was resolved back in April or May, nothing else came from it. Now Aflac is claiming they are waiting on the auditors to sign off on the claim. I was informed that one auditor has sent in his statement, now they are waiting on Christopher ** out of the Porter, Indiana office. Aflac sent him a email on June 3, 2015. He has yet to respond. They said they sent him another email around June 28, 2015. Still no respond. The agent at Aflac headquarters gave me Mr. **’s number which is **. I called him Wednesday, July 8, 2015 and his voicemail was full. I contacted him again Friday July 10, 2015 and it was full again.

In August of 2008, I purchased a short term disability policy through AFLAC, in the event that I should get sick or have an accident, as my employer does not offer sick pay. I was assured by the agent that this was a good policy. In June of 2015, I was diagnosed with atrial fibrillation, a blood clot in my left foot, and an ulcer on my medial right heel that was very slow in healing. The physician treating the wound on my foot put me out of work. So, I got the necessary forms, my doctor, employer, and myself filled out the paperwork, and sent it over. I found out that the One Day Pay does NOT apply to short term disability policies. My claim, for payment was initially denied. After over 30 phone calls to AFLAC's so-called customer service department, I was FINALLY paid. And believe me, it wasn't enough to cover my rent/utility bill for one month.

When the AFLAC representative came to my job to offer short term disability policies, They gave false information as to their website and TV commercial. Need all kind of paperwork and process claims takes weeks before they even get back to you about more paperwork needed.

Agent submitted my application after we had agreed that I would speak to my husband and let him know whether to submit or not. We decided not to get AFLAC insurance and agent submitted my application anyway. I did not notice deductions until a year later. I automatically cancelled and asked for a reimbursement and was denied because they said they would've been responsible for a claim during that time. I was not aware I was even covered so there would've never been a claim. Don't trust AFLAC or their people.

Don't believe what Patrick ** tells you about the payout on your accident insurance at Aflac. Patrick told me I would get about fifty dollars a stitch. I got 24 stitches. Aflac does not pay for stitches only the cut and the doctor visit. So don't believe what salesmen at Aflac tell you. They will tell you anything to sell you a policy. I believe you lie, you get fired.

I purchased a life insurance policy 12 years ago for myself with my husband as a rider. He was 64 years old at that time. I paid $99.00 by payroll deductions every two week out of my paycheck. That is $198.00 a month to learn that my husband was only covered for one year (age 65). I paid a total of $28,500.00 since I had the policy. Enough to bury my husband, myself and someone else. I cancelled the policy immediately on Feb 15 and was advise that I could only cancel on the first of the month. I said ok. The $99 every two week continue to be deducted from my paycheck for another three months (6 checks). Bottom line I am not due a refund. Aflac does not process refunds; the refund should come from my employer. What a scam.

I was out of work under doctors care for 4 weeks. Aflac denied my short term disability claim, stating that I wasn't out of work long enough. I have been with Aflac ever since 2007 and never filed a claim until March of 2015. I will be getting rid of them as soon as open enrollment.

I signed up with Aflac 3 years ago through work for short term disability insurance. I had a right hip replacement last January due to severe osteoarthritis. I was off of work for 10 weeks and they paid me in one lump sum with no problems. I also needed a left hip replacement so I contacted my agent and he told me I had to work 3 weeks in between the surgeries for Aflac to pay me again. I worked for 9 weeks and had my surgery May 27th. I put in the claims and would be off again for 10 weeks. Aflac only paid me for 4 weeks. I contacted my agent who seems to be pretty dedicated to his clients. The claims department told him that I couldn't received the full disability payment for 10 weeks because my L hip replacement was a continuation of my right hip replacement in January. He asked them "so if someone broke their Left leg, then 2 months later broke their right leg that's a continuation also". So this is what I'm going through right now.

Don't USE AFLAC! They will not pay you for surgeries! They ask you to go through all that trouble to get an operative report and they don't even look at it! They are scammers and I'm going to report them to the NEWS!!!

My boss brought in Aflac to the clean clothes company. I am a part time employee and disabled. I didn't want the insurance but a new salesman named ** daily talk me into getting a policy. The whole entire company was there. I asked if I fell on hard times could I cancel the policy at any time and he said yes. It was the only reason I took the insurance. My boss decided to cut our hours at work and I needed to cancel the policy. Only to find out that I had short term disability and something else. I thought because I was already disabled I didn't qualify for disability. Why am I paying for that?? Also I am mentally disabled. If I have been found non stable by a court of law, can I even enter into a contract? When I tried to cancel the policy, I found out that I'm on the hook until September. Now I will tell everyone how Aflac takes advantage of the disabled people. I will also be seeking legal advice.

My Aflac benefits were terminated without sending notification stating the benefits had ended. If I had known over the years that I was paying Aflac for only 6 months of disability insurance no matter how many years I paid the company. I should have checked into other options. I regret my blindness to fine print or my not insisting to have a written policy each year explaining my benefits and terms.

We never dreamed my husband would get cancer because he has always maintained a healthy weight and rarely had any health issues. He was 53 when he got cancer the FIRST time. It was shocking, but what was more shocking is how FAST our claims got paid by AFLAC. We were receiving our checks long before our normal insurance was processing our claims! With his "first occurrence" check we banked it and paid our mortgage since he was out of work for months at a time. Sadly, eight years later, he got cancer again, but once more AFLAC came through with flying colors and paid our claims as soon as we could get them documentation. I am AFLAC's biggest fan in South Carolina!

Aflac is something good to have, especially for people with children. Yes I read the reviews and was like omg... my experience with this company (aflac) is amazing. Only headache you will have is the paperwork. You just got to read your policy for whatever coverage you have. If you're not sure ask your agent and if they don't have answers call the toll free number. I asked my agent about my policy and she was amazing as well as the aflac representatives. So don't believe what you read, bc some of the people are not staying on top of their claims nor asking questions. I will recommend this to anyone. Policy type: accident and short term disability insurance plan... Well worth it...

** came to my job selling AFLAC insurance. He sold me on a policy that included a rider for getting hurt at work. Unfortunately, I did get injured on the job and contacted AFLAC to begin my policy coverage. They then stated that the policy did not include on the job injuries. Thinking this was an error I contacted the man I purchased the policy from, **, and he said he did not "write my policy" although he is the servicing agent and is the only person who can rectify this error. He told me another agent ** wrote the policy and I would need to contact her. I made many phone calls trying to get her information and never received a phone call back from **.

I am currently a student and I was looking for accidental insurance required by school. I contacted ** on June 4, 2015 to inquire about the insurance that is offered for students. He didn't answer his phone so I left him a message. He returned my call on June 12, 2015. I informed him that when I called him I needed the insurance immediately and had already purchased insurance with someone else. His response was that I waited for the last minute and that I could have bought Aflac 2 months ago and the charge would have occurred effective INS date. I just feel that as a representative for any company, you should not respond to anyone in that manner. He waited 8 days to get back with me and on top of that he was extremely rude!!

Slow, slow, slow.

Aflac is slow with processing my claims and not to mention they only want to pay me for 5 days when I been off work for almost 3 months. But here's the kicker they say they will pay me for only 28 days when I am paying for a policy to cover me for month to month. Aflac is becoming more of a fraud than a help in times of need.

They check with my employer and found out that there is no way I could work around flames and dust with my supplemental oxygen or have a CDL to drive truck anymore so they reviewed my case and started paying me.

I was very upset with Aflac when a double withdrawal was made from my checking account. I did contact them and wrote a (not too nice) review about them. Aflac contacted me right away. They did apologize for the error and sent me a check that was for my overdraft penalty. I think Aflac was very quick to make amends and very fair with resolving the problem. I think they are a first class company.

For three and a half years, I paid for short term disability coverage with Aflac. When it came time for me to use the insurance, Aflac proved to be very difficult to work with and did not pay as advertised. The coverage is advertised as "3 months'" but they don't pay for the first two weeks of disability. So, the coverage is only for two and a half months. The forms are misleading and difficult to understand for physicians, employers, and individuals. The call center is useless about 80% of the time - giving erroneous information.

I have had a Aflac dental policy since 2009. There is a 24 month waiting period for bridgework. It has been 5.5 years and I finally had the work performed. I even called Aflac before the procedure twice to make sure I would be paid. They even have the call on file advising me I was covered and met the waiting period. The bill was $ 3900.00 and I submitted all the claim forms, only to be denied in full. The reason was A CODE 18 (Waiting period not met). My policy covers up to $1600.00 per year and I submitted 1 claim last month for an exam and received a $ 75.00 check within a week. Now that I am submitting a large claim, they deny me. I am due $1500.00 payment from Aflac.

Paid for years only to find out that claims are impossible. I wasn't expecting miracles and I was expecting a certain amount of paperwork as I filed other types of insurance claims before, but it really appears that AFLAC is deliberately withholding necessary info and being obstructive to make the process so onerous that you will just give up. The online claims form just disappear and nothing ever happens - they don't show up in anyone's records as having been submitted.

I have Aflac short term disability which money is taken every week from my check. I was in a car wreck...cut and dry. On day 2, I sent all requested docs including a lot that Aflac ask for and didn't even need. Over 3 weeks later, I still haven't received a dime!!! What happen to 2-3 day payment. I'm gonna drop them like a case of ebola.

I went to the interview early and never was so treated so rudely in all of my life. The guy kept getting up and leaving the interview and would take his time to return. Then when he did ask a few questions, he acted like he didn't really care about the answers. How can a huge company like AFLAC ever expect someone to take a training course for 13 weeks with any pay and then on top of that come up with the expected amount of monies for the license??? They should take in to consideration that if they want people to work on a commission, then they should pay something to help them to want to work for them. When I came in nothing was offered in the way of a bottle of water, nothing, but a pamphlet of Cancer coverage. How nice is that??? I wasn't dressed for the kill, as after this great interview, I was headed to my school job. I was clean, but the guy made me feel dirty.

I've been with AFLAC for about 6 months. $103 comes out of every paycheck. Trying to get paid on a claim is next to impossible. They ask for a form to be completed. Then they ask for another form from the doctor, then another form from the hospital. And so on, and so on. I've been waiting over one month to get paid for a doctor's exam. Their latest request that the doctor verify that this was not a pre-existing condition. IT WAS A ROUTINE EXAM! How could there be a pre-existing condition for an exam??!! They ought to be sued for false advertising; I've yet to experience their "One Day Pay" claim.

I signed up for AFLAC. Having previously broken my neck, my main concern was catastrophic medical condition (I even signed up for the additional cancer coverage). After some substantial period of time, my rep visited my work and I met with her just to see about options. She encouraged me to fill out forms for previous visits to the doctor made by myself and my children. That day I happened to get off from work early so I even ran around to the various healthcare providers and got the necessary documentation. I arrived just in time to help her load up her car and give her everything she needed to submit the claims... I NEVER saw her again.

Aflac has sleazy agents come into corporations, write individual policies, then someone files a claim, these agents become politicians, never answer questions, never pay any claims and keep all the money. Their motto should be: eat ** and die. You will never get paid from us.

After being out of work for over a month I still have not received any money from Aflac. All the forms filled out and sent in. Every time you call them long wait and never the same person. It's very frustrating. Aflac took the money out of my pay for the last five years and the first time I needed them what a letdown. I will keep you all updated when I get paid just beware before you have money taken out of your check every week.

Aflac representatives came to my employer and offered us a "package deal". After studying the info sheets carefully, I signed up for a plan that was to take $6 out of each paycheck. They have been taking $50 out of each check for months. Since I have direct deposit I didn't check my pay stubs. I've never filed a claim. My other insurance costs me less per month. Aflac is taking $100 each month. This is ridiculous, excessive, unfair and a blatant lie. Never sign up for this scam.

I'VE had Aflac since 2012. Never used it until now. I was recently diagnosed with MS and I've been out of work for about a month. I faxed all the paperwork at the beginning. 3 weeks later still nothing. I've called several times and get the same response "we are back up in claims for 3 weeks"? I'm going back to work in a few days so what was the point of even having the policy!

On Jan. 6, 2015, I had to have emergency surgery. The diagnosis was a complete heart block (Specific Health Event). The surgery was successful and I will have to have a pacemaker until I expire. I have been paying premiums to Aflac since 2007. On Jan. 7, 2015 I requested claim forms from Aflac to file a claim. I submitted the completed forms by mail along with the proper medical documentation. On or about March 4, 2015, I received a letter from Aflac. I was being denied because the procedure of pacemaker placement is not a covered specified health event.

Simply, I had a heart attack and I mentioned a month before to my primary about arm pain, I wasn't diagnosed but he gave me nitros and said "get with a cardiologist." They denied me for the medical advice a month before. But I just read in there brochure that well here's the quote> "Pre-existing Condition means a sickness or physical condition which within the 12 month period prior to an insured's effective date resulted in the insured receiving medical advice or treatment." unquote. Now their definition states for effective date is quote > "The EFFECTIVE DATE of your insurance will be the date shown in your certificate schedule." unquote. Which is the date the insurance started.

I purchased a disability policy with AFLAC in the fall of 2014 through my employment. I was told if I got sick the next day, they would pay immediately. Well, that isn't the case. I got sick in Jan. 2015 constantly going to doctors. The Middle of March, I was so sick and having trouble breathing. I was admitted to the hospital for over a week. Lost weeks wages, plus gained a 46,000 hospital bill. I was denied my claim!!! I suggest that any one who has AFLAC--THEY DROP IT IMMEDIATELY.

I was taken off work due to knee damage which has been coming on for a couple of years now. The Dr. had to operate a week later and I filed a claim with my short term disability with AFLAC. I was misinformed about the one day claim turnaround. When I called it was 3-4 working days for claim. Then on the 4th day called late in the day to check on the status and it had still not been looked at and was told it could be another couple of days. FINALLY, the claim was approved and a check was to be cut. Here it is a week later and I have been off a month and I don't have a check and they cannot tell me when I will receive it. Apparently the Pony Express is still live and well in the USA.

Had aflac insurance on my brother and sister and filed quick claim which does not work on disability but everything else as other employees have it so there's always the usual red tape and everything else that goes along with the claim. If they don't have to pay they won't. It all depends how big your company is and number of employees. I've seen 4 reps in 4 years they go thru like hotcakes. What's funny as I write this is my brother's a rep. He tells me they get 500. That is a field manager for everyone. They put on staff and get licensed. Problem just like my brother you don't make a lot and there's a 50/50 success rate on getting paid. He's been in the field a year and about done and so am I as a employer to find they're all about making money not making peoples lives easier like they claim. My brother also says there are good offices but they're spread out. Maybe aflac needs to get there ** together.

As a healthcare professional, I thought it would be wise to have Aflac gap disability insurance as my professional disability insurance company has a 90 day gap before it would begin. I never anticipated ever to become disabled. I have been paying into Aflac for over 7 years. Unfortunately I have become disabled and have been placed on out of work disability by my physician. I submitted my documentation and they said there is a 2 week claims review period. Well that review period goes on and on and on. Stall tactics! Corporate games!

Never, Never, buy AFLAC Insurance. I notified AFLAC of my husband's death. Had to call several times to get anyone to tell me the status of my claim. Paid only face value of policies and kept telling me that they were not interest bearing. Had to have an investigation into the policies. Finally got the interest check only it was made out to the Estate instead of me as beneficiary. Called and requested a new check and was told that AFLAC does not send interest checks to beneficiary it has to be to the estate. This is causing me to have to hire an attorney, go to court in order to get money that belongs to me. These policies were 38 years old and was purchased to protect our family. Glad I did not have to have the money to live on.

I have paid $40 a month for the last two years and I needed to change my credit information, which only allows for quarterly changes online so I was charged three times as much. I called and asked to do it monthly instead so that only $20 was taken out each time, so I was told I'd get a $40 refund and that it would take up to two weeks. So I call back after the two weeks asking for my refund when they tell me that actually my payment was already due, so there would be no point in refunding since I was up to date now. What a freaking scam! If you tell me I'm getting a refund, then I want the refund.

I had the Aflac accidental policy along with a few other things. I paid for over 4 years, never filed a claim. Unfortunately in January 2015 my daughter was in car accident. We got a hold of our rep who said to fax copies of hospital report, which we did 4 times. She kept saying they didn't get it. Once she got it then she said needed accident report from highway patrol, that got faxed. Finally 6 weeks later we got check, however didn't pay for ambulance transport, which was covered in the policy. I called and asked why, she said needed a bill... Never have I heard you need a bill for coverage especially when police report and hospital said arrived by ambulance. I would never get Aflac again, they take your money but don't want to pay out!!

An Aflac rep came to my work in August. I attempted to sign up for 2 plans. I had had success with Aflac in the past. The rep incorrectly completed the forms and in November I was notified I didn't have any Aflac policies. The money was coming out of my pay regularly. After several failed attempts over the next 3 months to establish policies I finally asked for my money back. Aflac stated they refunded the money twice with it returning. They had sent it to an old address I hadn't lived at in 4 years.

This does not seem nearly as bad as the rest of the reviews. I'm not out of work, and my financial situations is not dire. That being said, what I was led to believe about Aflac was just not true. I have simply a dental policy with Aflac. It "pays me" instead of my dentist. I was told I could submit claims online and that the turnaround for payment was 48 hours. After fighting the website for weeks attempting to login, I get it to work. I finally try to submit a claim online. Except, each time I attempt to do this, I get an error.

Aflac uses the hire as many as possible, and if they don't make it - too bad we will just hire more. Businesses have been hit by so many different Aflac agents, they just want to get you out the door. Its 100% commission so you wind up spending more money than you make. Your trainer will take 50% until you start doing your own presentations, if you have a lot of money put away you can make it, if not you will starve, and management could care less. Backbiting is the norm, nice to your face and a dagger in your back when you are not around. Managers are in no hurry to train you, as long as they go with you they are going to make 50% on your cold call. If Aflac approaches you run the other way!!!

I bought my plan through work in October knowing I had an upcoming surgery and asked specific questions to verify I would be covered for my surgery. The answers were all "yes". February 11th, 2015 I went in for surgery. As of 3/27 I am without payment after numerous phone calls, emails and correspondence between Dr office and AFLAC rep. Every time the rep tells me he has everything, only to find out a week or two later after I contact him, he tells me they need more documentation. This is all over $1000, I've got at least 3-4 hours invested between being on hold, correspondence with Dr office, filling out forms and speaking with all parties involved.

Last year my son who was 34 years old was sold an AFLAC plan for hospitalization; the salesperson met with him at his place of employment and filled out all of the paperwork. She didn't ask many questions and absolutely did not ask if he was diabetic, which he has been since he was 13 years old; His kidneys have failed and he was hospitalized in January, Aflac is now refusing to pay but will give him his premium payments back. Had she asked the question, he would have qualified for a lesser plan but would have at least had some coverage. At the very least he should be approved for the lesser plan and refunded the additional premium he has paid for the last year. I am disgusted with AFLAC 2015 and intend to cancel my 3 plans I have and will mention the lack of integrity the company has displayed to any and everyone I know.

September 2014 I fell fracturing my elbow and damaging the ligaments in my wrist. After several months of doctor visits I had surgery in February 2015. They had to cut the bone in my arm as the elbow was fractured and shortened during the fall. The wrist ligaments were damaged. The surgeon shortened the bone by 3 mm and repaired the wrist. Submitted the doctor reports and they finally paid $480.00 for doctor visits and physical therapist. We made lots of calls to them. Then they paid $250.00 for the fracture. They said it was closed reduction even though surgery was done to repair the bone due to the accident. The doctor also repaired the ligaments in the wrist.

The Aflac representative told me she would take my information and would not process anything until she got back to me. I told her I only wanted full coverage, which they do not offer. She processed my info and now I am locked in until December. They are taking 10.93 out of each paycheck, despite me telling her I wanted full coverage and would have full coverage in March. Now, according to her, there is nothing I can do about it.

I have several issues, but the most disheartening is the lack of personalization, follow up and follow through. Cancer Policy owner since the 80's. Always paid bill on time, only to find out that my policy covers $200.00 for surgery. Are they joking??

On 2/06/2015 I had a hernia operation and I used my accident and short term disability which I'm suppose to be covered through Aflac. I submitted 41 documents from my doctor and surgeon and hospital on the 16th. Aflac found a way not to cover my accident policy in which I did everything the way Aflac wanted it makes no sense. Now on my short term disability which was submitted on 2/09/2015. I found out today on 2/26/2015 was never reviewed. It got lost in the system now. They repulled the claim and now it's going to be another 3 to 5 business days to review it. What am I paying for Aflac say they pay a claim in one day, they don't want to take your money then deny you.

I don't believe that the company is bad. I have met the founder several times and know the people at the very top of the company. The problems are at the local level and it varies from region to region depending on the local "culture". There are rules and incentives put in place with good intentions that are simply abused by agents and managers at the local level. Ex: Bonuses force managers to hire too many people - many of which are unqualified. They also force the managers to use these inexperienced people in other agents accounts leading to bad service. In addition, because of the extremely high turnover of agents the accounts can't count on one solid person very long.

I filed an accident and disability claim in Dec. I have been off work for over 2 months and have received only 1 week of disability pay. Every time I call they say I need some other form filled out and faxed in. I feel like I am getting the runaround. I really thought Aflac was a great idea. Now not at all. Once I get this settled, I will take the money I pay them and put it in a savings acct.

I have had coverage deducted from weekly pay check for 3 years now. In November 14, I had to have surgery and subsequently filed a claim. Upon checking in on "claim", I had 7 phone conversations with a different person each time, each time I dealt with the same bunch of run around. No one person would return calls even after promising to follow up on claim and check out why my information could not be found!

If you have a company in New York and New Jersey, you may deal with agents Jennifer ** or her assistant Bina **. MAYBE even her boss Joshua **. Jennifer will come in and sell you a speech to get you to sign up, promising if you send her your claim directly, she will have you paid out in less than 10 days. Reality is when you send her the claim...She does nothing with it. BUT after you complain, she will have Bina ** call you and walk you through how to do her job yourself. Then when you find your policy is not in the system and your paycheck has been deducted, she will bring you with free stuff and then tell you her manager Joshua ** instructed that no one from Aflac have contact with you. Well now, they have your money and you have nothing. Beware. They breech a contract but until you go to court, they are taking your money from payroll. If anyone has the same problem, please contact me directly as we can build a case against this company.

They are using the right duck as a mascot. We were not able to collect twice with them so we cancelled the insurance as a quack. They did not pay even though we were very sick. Quack quack quack.

Last Jan 2014 had a infection. Got paid 75.00. Two months after I got out of the hospital I had a stroke and still did not receive anything. This year January 2015 I had another infection, hospitalized for 8 days, contacted aflac online and my aflac agent. One week later, still no word back. Still also waiting for response from 2014. Any help?

I filed a claim in December which Aflac has yet to pay in full. I received pay for 1 week and was later told I needed an updated physician statement. After providing an updated physician statement, I was informed that I needed an updated employer statement. After providing an updated employer statement, I was informed that my claim was denied because I received treatment outside of the U.S. I received treatment from Kaiser which does not provide services outside the U.S. I was then told my employer did not provide a date of disability. My employer submitted information indicating they do not determine date of disability - a physician determines this information.

I requested a cancellation in writing on January 13, the broker refused to give the information on how to cancel, she wanted to talk to my HR person. My cancellation was not completed until February the 4th and I had to pay another month. Brokers emails were very unprofessional and unacceptable. Worst customer service.

I was an agent for aflac for 15 months. I was the top producer in my region. For my hard work and effort i was forced to resign due to the incompetent management in my region. This company could care less about the people they hire. They collect all your licensing fees up front, no training, i know i trained several people myself to help them to try and make a living with aflac.

I moved in Sept. and the PO forwards my mail. I have not received a statement from Aflac for my payment since July. I usually receive one every 3 months. I called the company and they stated that it had lapsed. That was not my fault. They failed to send me a statement. They stated they would forward me a paper to reinstate my policy within 10 business days, it is going on the 15th day and no word yet. I hate to think that I have been paying on this policy since 2004 and my money is paying someone else’s pocket. I think they should stand on their word as I did my payments. Thanks for letting me vent.

I bought a disability policy thru my job with aflac. After 9 years of paying and never using it, they withdraw from the hospital and refuse to refund me any cash. The reason I took this policy was payroll deducted. I feel they owe me a refund since they are the one that broke the contract by leaving the hospital.

My husband had surgery on 12-29-2014 and was put off work until 03-02-2015. I spoke with our agent and filled out the necessary paperwork (work/doctor/etc), which I emailed to her on the 29th of December to get the ball rolling as fast as possible. The first check arrived on January 16th, well after the 7 day waiting period, and was only for half of the original amount of two thousand dollars we were supposed to receive. We called and got the run around, saying they were reviewing the claim to make sure it wasn't a pre-existing condition. Okay. Fine. We wait another two weeks, while bills pile up left and right. Then our agent begins to avoid our phone calls and we have no choice but to call the 1800 number. This results in a mess. They claim they're waiting on medical files they never requested.

Filed a claim with them back in December 15. A month later told me that my check was in the mail. It's now February 3 still no check.... Why would they even mail It when I send them a direct deposit form????

AFLAC is by far the worst company ever. I fax over a claim and no response. I call customer service they said they did not received the fax. After faxing claim from three times still no payment and then it the phone game, they place you on hold and you never speak to the same person twice. I since fax over a cancellation form to customer service and still no response. Aflac does not pay and will not let you cancel. Its like you have to give up blood to cancel. Tell everyone Aflac is a scam. I place flyer at work letting everyone know don't get Aflac. I am now filing a complaint with the BBB. Note Aflac get zero star from me.

I opened a claim on 1-20 for disability, faxed all paperwork. It took four days before they reviewed the claim. At this time I find that my employer filled in the wrong amount. On the following Monday I refaxed the correct information which took another four days. Now I'm told it's under review which the review process start four days after that. So now I wait with no income, my wife needing medicine which I have no money for. So when you listen to the commercial saying four days from the day you file your claim to getting paid, do not believe. Yes four days to start claim then four days to review then if a problem another four days before they do anything then if something else is wrong another four days before anything happens. This is second time I have used Aflac. The first time the same thing happened. Time to find another supplemental insurance company.

Well when they told me what all I need to file my claim they failed to tell me a few things. Had surgery Dec 26th. This is the end of January. Still fighting them. Now they say it will be another 14 days. I have paid them faithfully for 2 years and this is what I get. Never again. I plan to cancel everything I have with them and go somewhere else and take my employees with me and there is 6 of them so that is 7 accounts they are losing.

I have read over and over the same horror story that is happening to me. I submitted a short term disability claim in early December 2014. The claim is still in a "Pending" status as of January 29, 2015. I have submitted and resubmitted all paperwork they required to process the claim several times. I have been an Aflac policy holder since 2002, over 13 years. I just wish they would stop giving me the runaround and either pay the claim or deny the claim. At this point I have the option to appeal their decision. This has caused an enormous amount of stress.

I was diagnosed with cancer in Nov 2013 and finished cancer treatment Oct 2014. It was a blessing to have AFLAC. They paid according to my plan policy for hospital, chemo and radiation therapy. I highly recommend Aflac. I don't know how I would have paid for my medical bills without them. I found if you submit your claims along with your itemized bill with the diagnosis code, there should be absolutely no problems. THANK YOU AFLAC!!

I started a policy with AFLAC in August. Filed my first claim in October, another in beginning of this month (January). I faxed AND uploaded all info (claim forms and physicians notes). I called on both after a week and was told they didn't have it or they want more info etc. They tell me they are requesting directly from provider and sent out correspondence but the provider has never received anything. I think they are just giving people the run around as much as they can to avoid paying. I still haven't gotten paid for the claim in October. This company sucks!

We have had Aflac for over 6 years and I have always loved them. Until December 2014!!! I had a very sad experience at my yearly doctor visit that had me going back for a biopsy. Within a week I was in surgery for cancer. I personally filed on my cancer policy 2 days after my surgery since our rep will never ans calls... Here I am a month later and over 15 calls to them. I have gotten over 8 excuses from "We don't have your biopsy" (which they do) to "Sorry you have the one cancer that your claim does not cover"!!!! So I print out my policy and yep, there it is in black and white that the cancer I have IS covered..

Today of January 21, 2015, I called asking about my Policy number. So while talking on the phone with one of your employees, she claim that my Policy Number was cancel since 2013 and not receive payments from my company. However, that truly lie because I've spoke to a representative of Illinois. The representative assured me that my Policy Number is enforce. For me, this claim is a very important at this moment because my husband has cancer and I need it open. I come to you with this claim because it was a stupidity of your employee to give false information to me, when I have prove that my account is still open when I made the call asking if my sent mail of information was put in the system. This complaint is serious to any customer that goes to you because false information shouldn't be given especially from a company that has responsibility in a individual's financial information.

I filed a claim..no response. Call them and they state that I need to give them more information even though I sent everything they listed as a requirement including all ER visit paperwork I had. So I get everything from the hospital pertaining to his case that they have... Still not enough. Now I need to go back to dr and ask him for a note saying he had an accident!

I had emergency open heart surgery 4 weeks ago. Have been trying to contact our "agent" via phone and email with absolutely no response. I contacted my husband’s employer (Fire Dept) to confirm that the agent is still the same person. They confirmed that it is and that she frequently does not respond to the members. I sent an email to the regional manager as this is not the first time this has happened. Still have not heard back. This is just so disappointing. I thought AFLAC was a top notch company.

I've used AFLAC two times throughout my 10 years of having it. I have the short term disability plan. The first time I used it was back in 2006. I used it during the time that I was off of work due to pregnancy. I am a chemical process operator and my job does not allow pregnant females around chemicals during the time of pregnancy. That means no light duty; so therefore I qualified for disability under the terms of AFLAC. I did not have any problems using it at all. You have to make sure that you fill out all paperwork as required, and you have to make sure you fill out a continuing disability statement every month. As long as all of the paperwork is filled out properly, you will have no trouble at all.

Our company sponsored a dental discount program. After 6 months, dental work was covered without exclusions. Aflac reimbursed me $90 out of $800 for dental work. The company stated they pay on a sliding scale for dental work. They are a big rip off.

Don't waste your Money on This **. Aflac is a RIPP OFF. I went to the Emergency Room had two surgeries on my leg, Stayed in intensive care four days. Aflac agent wouldn't return my calls. I filed the online Claim Form, I then fax all the Hospital paper work to Aflac. Aflac wouldn't pay a dime because I was in the wrong Room. DROPPING AFLAC ASAP.

I work in law enforcement, so we entered in a discounted group rate. I have been with AFLAC for over 8 years and never used it before, not even for their wellness refund program. Just recently, our AFLAC representative started coming over to "update" our file. Majority of us went and signed what we believed was an update and some even purchased new/added items; only to find out that they canceled our old BETTER policy. The smart ones stuck to their old policy after the rep. tried to sign them. One guy, before signing his new policy, received good money. But when he got injured again, the new policy didn't pay him squat. I just had my surgery and instead of getting my dues, they're giving me the run around.

I sent in my claims 3 times now. I had the hospital put my policy number on every sheet sent in, yet they still say they have not received my fax. So I mailed in my papers with my policy number on every page. After repeated calls and emails they are telling me I need to send it in again. They also told me they need more time to review my claim cause it's so complicated. Now they left a phone message saying I'd have my money beginning of this week. My email days later says 2-4 more days. Not to mention they don't want to pay for half my stuff they have to pay me for. I've paid them over 4600 dollars and wish I never had paid them a penny.

They have paid my claims quickly and fairly. I have been a policyholder for 10 years and couldn't be happier. If you get the right paperwork you get paid. I think people try to claim on their accident policy when what they have is repetitive motion. An accident is a single event, not "I woke up with back pain".

It should not be called insurance. It is close to being an outright scam. Look at the profits they drag in. They are the lipstick on a pig. I truly needed their $200 a month insurance I'd been paying when I hurt my back. 20 days out of work and a ($38,000 surgery). No savings. I did not hit the emergency room within 24 hours. I was denied. You are much better off saving your money for a rainy day. You will never benefit like you think. The ONLY good product AFLAC has is short term disability with a 30 day wait for benefits to start. All the rest is like being given a lollipop to suck on when you need food, shelter and heat. ** you AFLAC.

On 10/12/14 I submitted a claim for my dependent Daughter With the regular hospital paperwork. On or around 10/14/14 I was asked to submit a UB04 bill from the hospital and I had 21 days to do so. On 10/16/14 I received a message stating since I did not submit the bill the claim would be closed. I had been in constant contact with the hospital and Aflac. I was then told they needed to see what type of bed she was in, as if she may have had the baby in the hallway. On 10/22/14 I received another message from Aflac stating the claim was denied as my child according to a unknown endorsement on page 17 of the contract stating she was 4 months past the age and I needed to fill this out so she would be covered. To make matters worse when I called to find out about the denial, the rep took 20 min while I was on hold to find this endorsement and has worked there for over 5 years. I was never explained or notified about this endorsement by my rep, as a mater of fact Aflac does not ask age, or names of dependents when filling out the form 5 years ago.

I have had Aflac for over 2 years. While at work over the last year my shoulder began to hurt more and more, been hurting for years. I decided that was enough, I couldn't take the pain anymore. I had been working 40 to 50 hrs a week for the last year. I decided to quit and get an operation. Rotator cuff... After filling out Aflac papers they claimed I was a part time job worker. Because I had no job at the time of the claim they said I had to file for the claim while I was still working?? A scam or I just don't understand. So being I had no job I had to have the doctors fill out paperwork about the Daily living assisted items. There's 6 of them.

Prior to surgery contacted Aflac to see find out what forms I needed to fill out and how soon should I submit them. Surgery was on September 25, 2014 whereas I was hospitalized for 5 days. After being discharged from the hospital I faxed my claim and to my surprise my claim was denied stating a pre-existing condition. After making several calls to the corporate office explaining to the the claims rep that my condition was not pre-existing she proceeded to tell me that it was nothing that she could do. So I appealed and had them to reopen my claim again and once again my claim was denied. I have been out of work for a month and a half with no income, coming bills are piling up and still no resolution from Aflac. I contacted my employer and explained to her what was going on and she informed me that she would get in touch with the representative of our agency.

I had surgery in October 2014 and 2 weeks afterwards, when I was able to get up to get all my information all together, I was able to fax my stuff over to the Aflac people. Well with the short term disability I had no problem. Right away I was able to get my money not knowing that my hospital indemnity group was being handled by the diocess. When I called the representatives of Aflac to see where the status of the claimed I was told that my coverage was not valid because I hadn't been paid since July 2014. Yet they were deducting the money from my paycheck. I asked why they weren't paying and one of their response was "that they didn't receive a bill." So I told them, "so that if you don't get a light bill you're not going to pay?" I said to them you're so fast to take my money out but not pay my insurance. I'm so fast and ready to look for an attorney because I told them that now, who's going to pay my bills? I know next year I will not renew my Aflac with the Diocess of Brownsville. All I know is I'm going back to work and I have no paycheck till december 2014. That's almost a month!

I've been waiting on a check for a month. Every time I call customer service, they have another excuse for me. It's always "sorry for the inconvenience Sir." I've faxed the same paper over 5 times. The lady they gave me from the regional office (Michelle) is useless. I haven't Brenner to get in contact with her in over a month. I would have to say this is one of the worst companies I've ever dealt with.

I hurt my back on 9/19/14 and filed short term disability claim on 9/21/14. It is now 11/5/14 and I have yet to see any money from Aflac!! Bills are behind, and they are saying it will be another 2 weeks at least!! Their phone conversations always result in the runaround. They have asked for several different forms, proof of income, and even tax returns from the previous year, which I have supplied immediately upon request. On top of that...they are saying that the policy I signed up for, and have been paying for, is not the correct policy and they only want to pay me half of what I was supposed to be receiving in benefits. Bottom line is I want the policy I've been paying for. I feel like they are being fraudulent in their representations. I'm a single dad with 3 kids and stressed out of my mind with this. Thanks AFLAC for selling me a policy that you didn't intend on honoring. Hope you can sleep at night knowing that me and my kids will be homeless soon!

Very fed up with Aflac. Had knee surgery 3 weeks ago. Started claim following day. Even though I have accidental injury, short term disability, and several other policies, I have only been paid $240. They boast about claims done in 4 days. Yeah right filed 10/17/14 and now on 11/3/14 still nothing. Have had Aflac for 4 years and wish I kept money paid to them. ($55 a week for 4 years = @$10,000) South for bills being paid while you heal. Utilities cut off, car about to be repoed, and no food in house. Sick of seeing Aflac commercial. They haven't helped me at all!!!! Wish they had a zero star because that is what they have earned.

I was dealing with back issues and Aflac was a joke. In Feb 2013 I was diagnosed with one thing but something totally different after I took out the policy, and I was denied. I was diagnosed with spinal stenosis. I tried to contact my agent on several occasions. It has been almost 2 months. I haven't heard from my agent yet after several attempts. I have left several messages.

After 8 yrs of not file any claims, New rep tell to fill out you have 1305.00 in unclaimed wellness. I filed it out, now they need more proof. If it's our money why give us such problem and waste time. Sure glad it's reenrollment time! I'm done with that D U C K could think of a word like Duck that go to STATE FARM ASAP. QUACK this AFLAC, hope you choke with my MONEY!!!!! SAD!! You Suck!

I have been with Aflac for almost a year paying on time and now when I needed most, they have a lot of requirements and that's something that you don't want to deal after a surgery procedure, it's very sad to find out you been paying almost $500 at year and then you don't have Aflac to protect your back when you need it most. I'm in the process to cancel and don't waste my money anymore.

I became interested in purchasing aflac disability insurance in September, and was contacted by an agent for the company. I made numerous attempts losing a person to person meeting on a Saturday with this agent to be getting the application process ensure coverage for work related disability. The agent continually refuse to proceed with the application, instead urgent me to find friends and or coworkers so that we could write a group policy, thereby it even lower premiums. I now suspect that this was nothing more than the agent's attempt To increase his own personal commission.

I just happen to be searching for something about AFLAC and came across the reviews. I'm not sure if I'm just lucky with them or what but I am very thankful that we have AFLAC. I've had many problems for 10 years and I submit claims quite a bit and I get triple my money back every year for what I pay every month for my policy. In fact, when I lost my job, I even made sure that my policy was paid every month because if you lose your job and you still pay your premium without it lapsing; you will still only pay the amount you paid through your employer. If I did not, the premium would be about double. I just wanted to give a positive note because I am grateful.

I suffered a heart attack in which I had two stents placed as well as angioplasty conducted. I spent three days in ICU and have been submitting claim paperwork for the past month. I can. Of reach my agent. He does not call back and have not heard from his supervisor either. My union allows Aflac to come to our facilities to sell Aflacs products. However it appears that when it's claim time Aflac has forgotten about me. I am very displeased and I am going to reach out to all of the police unions as well as New York City civil servant unions and inform them of how I am being treated by Aflac.

I signed up for the Group Accident Insurance for me and my son. They send their salesman out to companies with this brochure and they have you think that is what you are signing up for. My son tore his knee cartilage. He had a knee scope and they repaired it. Well guess what, Aflac does not consider it to be repaired. Although he did NOT get a transplant, the doctor still removed the loose bodies and he resected the remaining back to the knee cap. So OK, I said well if they do not consider this to be a repair, then it falls under the "Exploratory Surgery (without repair i.e. arthroscopy)". This is term is on their brochure that the salesman used to sign the company up.

I was a single mother, and signed up at my work for an accident policy & disability. I needed to file a claim when I was injured. My agent was great, my claims were paid in a timely manner, and if it had not been for Aflac, My family & I would not have survived. I have read many of the negative posts here about Aflac & all I can say is Read your policies, as to what they cover, don't assume anything. That is your responsibility. There may be reps out there who do not tell you everything or maybe you are not giving them the complete picture. People usually only hear what they want to hear, so read your policy.

The reps in this area apparently don't answer phone. Tried the 1-800-992-3522 number six times (reps busy w/other customers) held on once, left number for call back five times. When call back occurred with voice indicating AFLAC calling, the call was a disconnect. Extremely frustrating!!! Your customer service is the worst I have ever encountered....and then I read the complaints, wow! I have been paying on three policies since l993 (with no claims). Now I'm wondering if this is a total ripoff.

I have been paying for AFLAC for over two years and when I do get hurt they don't want to pay out. They say they're going to give me over 2000 for a broken foot and I get a lousy hundred $125. What a joke!!!! :(

I had to have both feet operated one, 1 at a time. I had to be off work for 1 month. I fax in my paper work, which my agent says cannot be found. Then I am told that I don't have disability?? I ask, isn't that what Aflac is, they pay you when you can't work? That's what the commercials all say. Then I ask exactly what is it I am paying for? I have had these policies for about 4 years. Never used them. I'm so angry now and I can't even drop them until the beginning of the year! What a rip off!

After having an Aflac Representative come to my place of employment and signing up for their short-term disability insurance back in April 2014, and being told that my coverage would become effective as of May 1, 2014, when I filed a claim with them pursuant to my doctor insisting that I take off of work for medical reasons, I was taken through the wringer by Aflac, for months. I submitted a claim to Aflac via fax, per my Aflac representative's advise. Included in the claim was a doctor's certification, which my doctor completed and I included with the original filing of said claim.

I have had aflac since Jan of 2012. I used my accident policy for when my son had an accident, submitted everything they asked and received a check within a few days. Now a few weeks ago I had a new baby and would be on a 6 week std from work, prior to being discharged from the hospital all required paperwork was faxed to aflac. A few days after that it stated a check had been issued. It has been over a week and still no check and almost 3 weeks of being out of work and bills and necessities are piling up. They claim to be fast with paying you but when you really need it it's very slow.

Called my agent Jeff ** out of Louisiana to discuss my 2 policies. He stated he would call me back to discuss. After repeatedly leaving him voice mails, not a word from him. I've been paying for these policies over 6 years and need to discuss these with him. His phone number is **. Truly would like to know just what I've been paying over $60.00 month for. Please help. Thank You.

In May of this month, our son was in a motorcycle accident. He lost an eye and suffered brain injury as a result. When we filed a claim we were denied because he tested positive for drugs and was driving "under the influence". My issue is that nobody can tell me what measurable value determines under the influence. I know Montana has values for Alcohol and THC, but nothing else. I was told that their basis for denial is "a measurable amount". My next question was, "so if someone were to smoke a joint, they would have measurable THC level for 30 days, so they wouldn't be eligible for settlement even though they are not under the influence?" The agent I talked to responded "yes." So if you are one that participates in recreational pleasures, you may consider this before shelling out money to AFLAC.

I cannot fault my rep for all the difficulties I have had in getting my hospital indemnity claims paid - part of the fault goes to my doctor. But, AFLAC did make me work hard to get my benefits. It is a good thing I am in the medical profession and know how to anticipate what is needed for claims to be processed. I was able to provide them with the documentation needed to disprove their reason for initial denial and when the appeal was submitted, they processed in my favor BUT it took weeks - not days - to get benefits paid. I am still waiting for the disability. There really is no reason for this as they have approved the hospital indemnity. I asked my rep but haven't heard anything.

During the month of April 2014, I suffered from a terrible foot injury AT HOME. I did not expect my job to help me nor did I expect Worker's Compensation to assist my finances for my lost income. I knew I could not work for a couple months due to my job requiring me to stay standing most of the time and I was very scared from seeing all my out of pocket expenses regardless of my insurance and decided to call my Aflac rep. I told him about my situation and he guided me through the process. I spoke to my Dr. and had my information faxed to Aflac headquarters and in 5 days I had received a check in the mail. Aflac did not care whether my injury took place at home or at work, they simply compensated me for my Short-Term Disability policy and sent me a check in the mail no questions asked. I recommend calling your Alfac Rep and taking their advice FIRST before anything. THANK YOU AFLAC!!!

My coverage is new. I signed up in May 2014, effective date 7/1/14 with the grace period, 7/30/14. I'm good to go. I end up having my plantar fascia cut and heel spur surgery on 8/1/14 and a sprained ankle on top of it. Filled out all the paperwork. Every week it's something new they want. Past medical record for the last year, then a questionnaire for the Doctor, then they closed the claim. Who knows why, I wasn't told, I just noticed it on the website! I called to have them reopen it, then they wanted Doctor's office notes from certain dates, then a letter stating when he told me surgery is the only option. Each time, I was told that was the last thing they wanted.

Having read so many complaints regarding AFLAC, I find myself extremely nervous that, I am being taken advantage of by this Supplemental Insurance Company. I signed up for Vision, Short Term, and Accidental. I have two separate claims, one under short term, for an illness that went from May 3rd until June 26th. Also a Car Accident where I was out of work from June 8th until August 25th. All paperwork was faxed, and sent by August 26th that was requested in the initial forms. Yet I am understanding they want me to do all the footwork, to retrieve even more paperwork from each and every doctor in the loop. This will be a hard and arduous undertaking, as I still have not replaced my car and now am also working again, at the same time these offices are open. So I can choose to lose a day or two of pay, spend more of My own money and time to get paperwork they need. Or I can give up, which is what I feel they want.

My husband signed up to get short term disability, however the agent signed him up for hospital and accidental insurance. We have health insurance for a reason. I only found out because I wanted to make a change and so I contacted the regional manager. I can not get him to answer my or even respond to me. What a fraudulent company!

My husband tore his quadricep tendon in an accident. He has been paying short-term disability with aflac for three years without needing it. He had major surgery on his knee to repair tear. We filed all the paperwork that Aflac required. My husband's injury was 6/2/2014. He received his first check 7/14/2014 from Aflac which isn't too bad. His paperwork said he could not return to work till 9/2 after evaluation from his surgeon. We were waiting for his other check from Aflac which was due 8/14/2014. I called to see where his payment was. I get three different answers every time I call in to Aflac. One rep said they read the paperwork wrong and we would get a check in two days, one rep said it was sent.

Signed up for Aflac at my job. Each week, pay came out of my check. Had knee surgery Oct 2012. Jan 2013, policy canceled due to non-payment. I was paperless and decided to go back to receiving pay stubs. Aflac rep first said it was not them receiving the deductions from my check. Finally, my payroll dept gave me the account number this money was being deposited into. I also had them stop further deductions. I've gone thru 3 reps until I demanded a higher person. I've emailed and called her and even faxed my payroll response that they in fact were receiving monies from my check weekly. 3 months now and it's still being reviewed!!!! Get with it. Was easy taking my money but it's HARD to give it back. About to contact family lawyer and see what other actions I can do.

I had to have surgery in July 30th, 2014. This is my first short term disability claim. Today is August 22, 2014 and I still haven't received a payment and it doesn't look like I will for another week or so. I have had to call Aflac nearly every day, run around and resubmit copies of my surgery dictation and an itemized bill etc. This is a pain when you are supposed to be home recovering. Then I get a letter stating that they need income verification (w2 from last year)?? No one would tell me why. Then an Aflac employee (9 days later) said that the person who signed me up for Aflac in 2012 may have done it incorrectly so instead of getting $2000.00 per month I would get less? $1800.00 maybe.

I first want to say I'm not perfect just like the rep from Aflac is not perfect. With that said, I honestly don't know how the representatives from Aflac don't get fired or at least reprimanded because apparently the rep that I was assigned to is hardly in the office and it takes them 24 hours to return a phone call?? This all started July 8, 2014 after I've been paying Aflac for four policies since June 2013, Accident, Cancer, Hospital, and Short Term Disability policies.

Submitted claim for a procedure, Cystoscopy, which is listed on my personal sickness indemnity plan as a paid benefit... Aflac representative stated that because this was done in a urologist's office that they will not pay the benefit... I STILL HAD THAT PROCEDURE DONE... They should pay it... These days a lot of specialist do procedures in their offices instead of operating rooms... I AM VERY UPSET, BECAUSE THE PROCEDURE WAS DONE NO MATTER WHERE IT WAS DONE!

Had an Aflac rep, who came in our workplace to sell policies to employers. He did his sales speech - all sounded like a great thing to have. Between my husband and I signed up for short dis, accident, and cancer. So March 1, 2014, is when our sign-up was. Policy for short-term was dated April 1, 2014 as the start date. May 1, 2014, was when 30 days waiting period ended. Since we have 5 kids to take care, we as parents thought this would be good for us - you never know when life throws you a curve ball.

On June 7, 2014 while moving furniture, I felt something pop what I thought was my shoulder. Went to PC June 9th, was referred to an ortho who sent me for an MRI. When results came in, ortho sent me to neurosurgeon who said discs in my neck were herniated and pressing on my spinal cord and I needed surgery asap. Been out of work since June 12th, had ACDF multilevel surgery 7/31. Have sent in ALL paperwork and have rec a total of 225$. That duck lies and if I see him his butt is dinner!!! Can't even buy food! I am a single woman and now have no income or answers?????