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Filed claim a month ago with all inpatient records showing proof. Then they ask for more proof of over 24 hour issues, sent that from 2 doctors 1.5 weeks ago. Still nothing!!!! Fist page of hospital records proved it lasted over 24 hours. Customer service staff has been patient and kind, but Aflac audit must have only one auditor that works one hour a week. I have sent over 50 pages of proof. This also happened when I filed a claim in 2017. Had to get sales rep to get involved back then. Told every time I send more documentation process starts all over. Filed Nov 7 and they show Nov 30. Also told today auditor has not been assigned - over 4 weeks! Do not believe the ads that say 24 hours to a week to get paid. NOT true!
I had major surgery, after filling out form after form they are trying to short pay me by $ 5,000.00. Ten years paying into this and first claim they are trying to push me around. TERRIBLE customer service by phone and even in the chats.
My father died August 2022, and I sent in ALL information they’ve asked me for. EVERY time I call for an update on the claim, I’m given a different answer. They’re very unorganized & I want my claim paid ASAP!!!! This is highly unethical and if I don’t receive what’s owed to me soon, I will hire an attorney to assist me with this!!
I would like to say I'm a customer who doesn't use this benefit often, but it has been great in the past. However, today when I called and spoke with a customer service agent the experience was horrible. Michelle offered no compassion nor information for me. She also went on to say, I don't pay for my coverage, my employer does. Why would she indicate this without knowledge that it's paid through an employer, but the premium is deducted from my check. Horrible experience for a family that recently experienced a recent unplanned emergency that required a surgical procedure. (I called 11/28 around 3pm).
While I understood she had limited information, I at least expected her to guide me in the right direction. I asked specifically about my benefit coverage and she kept referring me to the admitting hospital. When I asked to speak with someone else, she stated that there's no one that could help me... Please review the call for my experience, I pray no one else has this experience. I felt like I was begging her or at her mercy of her willingness to review my benefit coverage and explain the issue.
TLDR: My company has short-term disability/maternity leave through AFLAC. They opened two policies for me, overpaid me approximately $5,000, and then demanded it back. DO NOT USE. If you have a choice of providers, do not use AFLAC. If your company uses them for short-term disability or maternity leave, make sure you are micro-managing your case because they won't.
A few months before I had my baby, I started calling AFLAC to get information on my maternity leave. I should've known something was wrong when I got different information every time I called. I had my baby, and the checks started to come in. I feel like an idiot now because I should've known it was too much money, but due to my new mommy haze and lack of sleep, I didn't think to question anything: I was just happy to buy diapers and pay medical bills. About a month in, I was suspicious they weren't withholding my federal taxes as requested, so I called and the representative told me that my withholding paperwork was in one file but not another. Did this not send up a red flag with them? Again, in my fog, I didn't think anything of it. Fast-forward a month after my file(s) had closed, and I get an email at 5:30 AM letting me know they overpaid me because they opened two maternity leave files for me and they demanded I pay it back in 10 business days.
Did my case manager not see that I had two open maternity leave files? Who has two simultaneous maternity leave policies at the same time? How did they not notice this seconds after it happened, but rather over a month after the files closed? The overpayment representative had the gaul to tell me the company knew about the overpayment a month earlier, she just "hadn't gotten around" to sending out the overpayment letters. I guess it wasn't a big deal to HER. When I told them it was their fault, all they could say was "sorry." As a huge corporation, I know the money means nothing to them, but so much to me. Didn't even offer a payment plan. I wanted to pay online since I wanted the whole thing to be over, but no: you have to pay via check via mail. I can honestly say they made NOTHING about a HORRIBLE situation easy. DO NOT USE IF YOU CAN HELP IT. You're just paying them to mismanage your case.
I have had 4 policies with Aflac for 20+ years. This year I was hospitalized three times, had two surgeries, 2 ct scans, 2 ultrasounds, multiple xrays, labs and meds given. I sent in the claim, waited 3 weeks to call to check the status of the claim I was told they needed a UB04 form, I submitted that, took them another 3 weeks to even look at my claim. When I called to check the status they tell me I was only being issued a $200 check. They claim my hospital stays were "obervation" when I was hospitalized for 3 days the first time and 5 days the second time. Clearly not observation. They did not pay for any of my surgeries or any of the diagnostic testing I had done. Total piece of garbage now!! They just take your money and do not care about anything else! Was out of work for 2 weeks and thought this would help, NOT! I WILL BE CANCELING ALL OF MY POLICIES WITH THEM. TOTAL PIECE OF GARBAGE THEY ARE NOW!!!
I was stuck by a rose thorn while weeding in March, 2022. My hand became very swollen and painful, went to Urgent Care and it was diagnosed as cellulitis. Was placed on ** for 7 days and it was better. As soon as the antibiotics ended, my hand got worse than the initial presentation. Was seen by a hand surgeon who put me on anti-fungals and sent me to Infectious Disease doctor. This doctor didn't think it was fungal and placed back on **.
In the meantime, I had an X-Ray and MRI. I ended up being on antibiotics for 6 months due to this accidental injury and Aflac has declined to pay anything for it. I have called and spoke with numerous people asking what documentation was needed, and have sent those documents, including office notes, EOB, and a letter written by Infectious Disease doctor. What really makes me mad is that they were e-mailed twice, faxed, and sent by USPS and Aflac denies they received them. The people on the phone are rude and do not care about the patients. If I could give them zero stars I would.
I have an accident policy for almost 10yrs. I had an accident and lost fingers. Clearly I had 2 surgeries and still lots of therapy. I had 2 claims in 2 months denied. 1 because of authentication form. (Think someone would call) NOPE. 2nd try they don't have dr.s info after another month. Idk how they get away with not informing customers how and what they need the 1st time. I also spent many times on phone with them. They just keep kicking the can down the road NOT TO PAY. They should be fined and or shut down. During a hard time struggling with my new disability the bills are piling up. It should be a lot easier and stress free than this. I almost forgot. I had to file another claim (start over) after it's denied. Going in circles. I gave it another shot. Hopefully 3rd time's a charm
Aflac is the carrier for the new state of CT FMLA services. I created a claim for an upcoming major surgery (9/14/22) on 8/9/22. I initially received what I thought was all of the necessary paperwork from Aflac, had it filled out and returned via the portal. On 8/19 I was denied, and a message was left by the case manager assigned to me, Kimberly A. On 8/22/22 I called the customer service number provided for Aflac on behalf of CT state FMLA to question why I was denied. I was told at that time that I had to contact the CT DOL because the system was showing that I did not have any earnings for the past four quarters. Well, the DOL was backed up and not returning phone calls for close to a week. I finally sought assistance from the HR department at my job who informed me that Aflac was responsible for sending me a document named Employer Verification form, which they failed to do.
8/26/22, the same day I was told about the form. I reached out to Aflac customer service, and they sent the form via email and informed me that on the back of my denial letter, there was an opportunity to appeal the initial decision. By 8/29/22 my employer had filled out the necessary form and sent it to Aflac and I sent my appeal in on 8/26, which means they now had all of the paperwork they needed.
There is a message on the portal that states a decision will be made within 10-15 days, and that when you call them, a case manager will return your call within 5 days. Well, it is now October 6, 2022, and I have had the major surgery with a recovery time of 6weeks, However, Aflac has yet to review my case, nor pay me for my short-term disability. I have contacted them 6-8 times since my surgery only to be told that no one has yet reviewed my case. I have also been told on numerous occasions that an email was sent to Kimberly A. the case manager, and still she has not contacted me.
Most recently, on 10/3/22 I was told I was being transferred to a lead worker whose name was Chris. Chris told me he was going to expedite the claim and that he promised he would follow up with a phone call on Weds. 10/5/22 and of course he did not. I had to ask my physician to let me return to work two weeks earlier than recommended because I do not have any personal income at this point, and I cannot afford to live. I am not the only one who is having this issue and every last Aflac representative I have spoken to gives me the runaround and no one is helping me. Additionally, because of the runaround and being told to wait for my case manager to review my case, I have exhausted the 30-day time frame I had to appeal a denial with the DOL because I was in limbo because I did not know if I still should have continued to be denied now that they had all of the necessary paperwork, by their own admission.
I've paid on multiple policies through Aflac including Cancer, recently I had skin biopsies done for cancer. One came back precancerous and I was put on a topical Chemotherapy cream, Aflac says it's not cancer so they won't pay.
After reading the reviews on this site I see I am not alone. I've had my cancer policy since 2011, paid into over $14000 in premiums. I filed a claim 8/8/22 and as other have said they "requested more documents". They needed a pathology report. Two doctors told me that WAS the pathology report, letter head clearly states the pathology lab and report clearly identifies percentage of cancer, Gleason scores, etc.
AFLAC does not send letters in the mail saying they need documentation and I did not receive notification. I have to log into the portal everyday to check status. One day it just said "Denied". The message in the claim said that I didn't provide documentation. My agent since has submitted the pathology report again and I keep getting they are reviewing it on "Monday, Tuesday, whatever". It is now 9/21/22 and I'm afraid from reading all of these reviews that they will not pay. Is there no recourse when we have this many people getting ripped off by this company?
I've had Aflac for 20+ years. They used to have great customer service, not anymore. They take forever to pay a claim. Used to be reviewed and paid in less than a week. Now 3 weeks later still not paid.
I was diagnosed with COVID on 08/16 by a lab. The next morning I filed a claim with AFLAC on my short term disability insurance, since I was going to be out of work 11 days. I sent in all the documents I was told to send in (Lab test results on their letterhead, a statement from my doctor, a statement from my employer) I made sure all the documents were received and was told they indeed were. Fast forward 15 days later and I call and ask why a decision had not been made on my claim. I was told they didn't have the documents they needed. The ones they confirmed 15 days earlier. Now they say I am going to have to refile because they need new documents. Total waste of time and money. If I were you I would find something else. This is a total scam.
I had total knee replacement June 1st. My paperwork was processed on August 12th. I'm jumping through hoops on one leg With Aflac. I've had this policy since October 1st, 2001 and they act like I'm bothering them because I need them now. No problem taking money out of my check every week for 20-plus years. They make the process of filing a claim so easy. "NOT." Typical insurance company. I hope this is the last time I ever need them again.
I woke up with terrible abdominal pain one night, was up all night trying to better it..Went to work late and just couldn't do it, barely made it to my truck and went home, fell on the couch for 3 hrs before I could drive myself to the ER...From there I was rushed to Rochester Mayo for emergency surgery and which led to 4 weeks off work....and I was thankful I has Aflac to help cover my bills....That was 10 weeks ago and I not only haven't received a dime but I just got ANOTHER letter today stating that they're closing my claim because they don't have all of the information they need...
I gave them and sent them all required forms and statements and they keep coming up with something new to prove what actually happened....I had used disability a decade ago and it didn't miss a beat, I had income starting day one..Aflac is a con, we're just giving them money to pay for those stupid commercials....Read these reviews and shop around...You see what happens with aflac...Save your $$.
I have had a Cancer policy with AFLAC for over 13 years. Unfortunately, my wife was diagnosed with triple negative breast cancer in Jan of 2019 which later spread to her brain. Although there have been many frustrating times, (delays & can't reach anyone) overall I must say they have paid everything they said they would pay for in the policy. When they stopped the one day pay, that really delayed getting the money, and customer service seemed to go south from there. I'm torn because there have been times AFLAC has had me beating my head against the wall and totally frustrated, and yet, I have to be honest and say the policy has been a huge blessing since my wife hasn't been able to work since 2019.
I am a former agent and customer. My policies were paid for from my monthly statement on the group account. Recently I was checking on a claim and decided to take a look at all my policies to make sure they were all up to date. My life policy showed as inactive. I tried to call customer service. Couldn't get through. Had to email. They wrote back eventually and said that my policy was canceled due to lack of payment. I then ask them how it could be canceled due to lack of payment since the payment was made from my monthly statement. They said they would send me a reinstatement form. The form came in the mail requesting $2,000 to reinstate.
Now mind you all of my policies are set up with Aflac always. This is where you put your bank account information in in case the employer stops paying your policy for whatever reason you can continue paying on your own. This is supposed to be an automatic switch over. Never once was an attempt made to withdraw funds from my bank account. Never once was I notified that my policies would no longer be taken from my statement balance. I was unaware of any difficulties with my policies.
After receiving the letter I called customer service again and got through to a person and explained that they shouldn't have canceled my policy. While I was on the phone with her I was using the app to get her the policy number and lo and behold all of my policies now showing inactive. I have called multiple times and they can't directly send you to the Department who takes care of the statements they have to email them. Multiple emails have been sent the last one was sent expediting and included my personal email to keep me updated. I have received zero information zero attention to my problem. I have wasted money for years they have no intention of fixing what they messed up in the first place. Do not trust this company do not waste your time or money with this company do not work for this company.
Don't waste your time or money on Aflac. They will NEVER PAY YOU WHEN YOU NEED IT. I filed my claim after being hit by a truck while cycling to work. I filed on 4/28/2022. It has been over a month and the claim is STILL IN REVIEW.
Please people, do not waste your time with this company. My claim as of today is still pending/under review. I submit all documents online and the company continues to tell me for the past three months, claim under review. Consumers please be careful. I do not and will not refer or recommend this company to no one.
I gave birth to my son, and he is now 7 weeks. I am still waiting on a decision on which last I heard needs a second set of eyes, have in mind I have called them over 30 times probably and every time it gets reviewed by someone new. So I have no idea how many sets of eyes they actually need. At the beginning on second week or so, I was calling just to find out I was missing info...info that no one had has the courtesy of letting me know until I called. After another week I call again and once more, I'm missing something else. Which, have in mind I only get to find out if I call. I call almost every other day. And every time I'm missing something. Which is fine, I'll provide it, but my point is why do I have to find out bit by bit and only when I call to check. Do they not know what they are doing that they can't provide full details all at once.
Finally after practically begging to speak to someone higher someone with a title of a senior manager promises that my claim will be finally submitted. Just to find out it got denied for some income on my part. Which mind you, I have always worked. And I make a fair amount and pay my taxes. Just to make things worse my husband was offered Aflac insurance thru his job, that we pay monthly. So I have Aflac insurance also for what. Totally useless. I will make sure to have that canceled. Oh and my case manager useless as well. I read someone in here said the same things. If you don't call to check on your own claim Aflac does not CARE and simply denies you for their own incompetence.
I have been a member since 2013. As of March 22 2022 I had a pacemaker change out and put in a claim for help to pay this bill and I did get $60 big bucks. I had gotten Aflac in case of an emergency and if I needed short term disability. After my pacemaker change out a week later on April 1st I had to go to the emergency room for lower abdominal pain, that resulted in emergency surgery for appendicitis. With that being said, I was out of work for 2 weeks and I filed a claim for short term disability. That's what I have been paying for right? Declined!! I will be canceling my account ASAP! Do NOT BOTHER WITH AFLAC BECAUSE THEY DON'T PAY!
Just as all other reviews.. Can't talk to case manager, been under review for 3 months!! This scam company does not pay!!! Thiefs, liar, disrespectful,... They all burn in hell!... Let's watch them suffer such as all others that are in need of financial help!!
My son was injured at school which required major surgery and months of physical therapy. I have filed claim and provided all itemized billing docs that clearly show the diagnosis and procedure codes. Every piece of correspondence I get from Aflac says they need a diagnosis. You cannot speak to a live representative when you call in. My claim was denied for not having a diagnosis code. They have no intentions of taking care of their policyholders in their time of need and clearly only care about taking your money. I have paid all of my premiums since 2009 and now realize they are a joke and total waste of money spent! Don’t fall for their spiel….
I signed up for their short-term disability years ago through their representative at my employer, then had to use it due to a back injury only to find out, "I wasn't paying for it." They had me signed up as it showed on my login, but it wasn't being taken out of my check. So I'm signed up for it now, and just last month I had hernia surgery which required a 6 week recovery. I began a claim 4 days before the surgery. I sent in my forms, my employer sent them theirs, and my physician sent theirs. Only to be told they still needed the physician forms. I called the physician and they sent them again and I even got a copy to upload myself. Finally they say they got them but now they're waiting on employer forms. REALLY? So I call my employer, they sent them in weeks ago but did so again, and sent me a copy so I could upload those as well.
Lo and behold here it is 7 weeks after my surgery, I'm even back to work, and I have received ABSOLUTELY NOTHING but a runaround while my bills have all gone overdue. All they are doing is collecting money than blowing us off when you need them for a service that we've been PAYING FOR! Do yourself a favor, and forget they exist. I will be dumping them completely as I also carry their life insurance policy which I'm convinced now my wife would NEVER receive in the event of my death. They are a total joke.
Trying to get policy number, face and case value for mother who has dementia. We sent in power of attorney papers. 4 weeks no results. We call. Always get robot never a person. They schedule call back. One time reached claims department, said fax was in fax machine could not find. Then found but could not give us information, someone from another department would mail information. Expedite. Still don’t have.
I have cancer policy for 15 years and filed a claim. My claim was received 1/18/22 for two different types of skin cancer involving two different procedures. AFLAC did not process my claim until 2/25/22. I attempted to contact AFLAC starting 2/7/22. Their automated phone system kept disconnecting my call. Tried the chat feature and email. No response. I had to schedule a callback for 2/11/22. On that call I was told the claim was received, but was not assigned to a processor. I was told it would be expedited and processed. On 2/22/22 no actions were initiated. Filed online complaint, as usual no response.
2/23/22 after several attempts finally got through and had to schedule a callback. During the call, again I was told my claim was not assigned for processing and that it would be expedited. I asked for a supervisor. Again told it would be expedited. I guess after my many calls, it was handled within 24 hours. One claim was denied based on their assertion the cancer was malignant although the pathology reports indicates it was. Now my option is to appeal the claim. AFLAC is very good at collecting their premium for the last 15 years, but extremely difficult and complicated process to get a claim through their system. What good is it to have a cancer policy when a consumer can’t get the service they promised.
This company is an absolute joke. I had a preventative procedure that they said they covered, so I filed a claim. Received a letter about 2 months later saying it was denied that they do not cover that. Recently I filed a claim for an emergency room visit because of an accident. Did all the paperwork they asked for online. Received the letter again months later saying they wanted more information. Pretty much calling me a liar. So I spent the time got more information from the doctor as requested and sent in.
A month later I heard nothing so I called in to check on the claim. They said I would receive a $275 payment. This was supposed to be direct deposited into my account, gave me a date that the money was supposed to be deposited. Check days after it was supposed to be there and still no money. Called back 31 times so far and I've heard about 11 different stories as to why I don't have my money. Nobody seems to have a clue at Aflac. I pay a premium and received nothing. Aflac is a bunch of lines thieves. It is bad but I wish the worst for Affleck and would hope that they just go bankrupt and leave people alone. I will not renew with Aflac and would not recommend anybody ever use Aflac!!! They don't even deserve one star but you can't get by with your review without giving one.
I've been a member of Aflac since 2017. If I could give this zero stars I would. I paid into my AFLAC accident policy for five years! Two months ago I had an injury that required surgery I opened a claim and send all documents to Aflac they review it and denied my claim. I've been trying to get in contact with them to find out why they denied my claim but unfortunately it's been no luck to talk to anyone from Aflac worst company. But are quick to take out monthly cost from my bank. I literally feel scammed and robbed. I will never recommend them to ANYONE! Worst experience ever. They are not worth mental and financial stress.
I have had an AFLAC Critical Illness Policy for 10 years on myself and my husband. My husband went to the ER with Covid to get monoclonal Antibodies and they admitted him straight to ICU where he stayed for 19 days before passing away. I filed my claim and it was denied saying they don’t pay for Covid claims. If Covid is not a critical Illness then what is. Being a policy holder, AFLAC never sent me any changes to my policy I have had since 1999 but now deny my husband’s claim. Anyone else experience this? It’s time for a class action lawsuit against AFLAC! Don’t waste your money on them but if you do have a policy and it was denied, please text me at ** and leave a message. Thank you!
I've had Aflac insurance with the cardiac Rider for a few years. Happen to have a heart attack. I file my claim 30 days later request for more information. Provide information, 30 days later request for different information. 30 days later request for the previous five years of medical information from my doctor and hospital. I get the runaround from customer service people for a while. Until one of them finally says, "Oh yes our final review process takes anywhere from 3 to 15 months." I assume they're just rolling a dice if I die so they don't have to pay. Been 9 months still no movement at all, still in the review process. Not that you can ever actually speak to anyone involved in the review process
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