Aflac

I am filing my third claim with this company of which has taken a full month with still no resolution, the first two claims were not processed and I was not contacted regarding either, I only learned they were denied due to many phone calls to finally get a resolution. They advise you to provide documentation, and agree to authorization forms which they do not use, and never pay out, then claim your coverage doesn't include the illnesses described, when asking for documentation showing these things they claim its in your certificate of insurance which they do not provide you with. I have asked multiple times for it to be sent to me they do not send it. I have spoken to countless people each ruder than the last, no one wants to help, and they put one another under the bus.

I joined our company plan with Aflac, both STD and accident policies 2 years ago. I filed 5 wellness and/or accident claims over that period and haven't been paid for any of them. Their website is impossible to navigate, you will not get any help there. It looks like they last updated it in the 80s. They're not available to answer their number and refer you to the chat, which then refers you back to the number. One check did get sent to an old address I had 20 years ago, so never saw that one. My account online looks like they paid me 3 claims in April, again, I haven't seen a dime. If you get through to someone, they tell you they'll take care of it but you still never get any resolution. I finally said to * with the money and canceled my contract. I will never deal with them again, completely incompetent.

Pd. Premium's on cancer policy since 1974. Tried numerous times to find out what it covers. No satisfaction. In 2022 I had surgery for cancer, filed a claim and received $100.00. I pay 246.00 premium. Was told, after hours of trying to speak to someone, that they would help me cancel if I wanted. Crooks.

I have had AFLAC for over 13 years and the underwriting is getting longer wait and the payout is getting worse as well. I submitted a claim in April and it is 5/18/2023 and I am still to wait another 5 days. Also I had to pay for my paperwork from physician office which was 280.00 for a payout of 400.00. Claim I submitted was very easy to review and complete yet the underwriter needs more time? Not sure why I submitted this to another company for approval which usually takes longer and it was completed within 48 hours.

I signed up for AFLAC short-term disability and hospital- through my employer, when @Michael ** - LICENSE NUMBER: ** came in with one of his agents to explain the different coverages. I told him about my having visited the Dr for arthritis, I asked if I decided to have surgery, and it would be covered. I was told it would be covered, providing I waited until 30 days after my enrollment.

Feb 2023 I experience an off the job injury; however having Aflac I felt secure in receiving short term disability. This insurance is through my employer which I have payroll deductions. I rec'd the first pymt but submitted continued disability forms from Dr, employer and myself. First the representative STATES the date on paper had to be after their monthly close out date. Keep in mind I pay $25 per Dr visit + $25 for Dr office to fill out paper work. It's May 2023. I have not received anything but letters asking for the exact forms I've uploaded on the web app. I've tried contacting my representative (that's a joke).

I will start telling you I have recorded every conversation. I submitted a claim after 1.5 yrs of paying without any claims. I fell down the mountain hiking and tore my tendon. Due to the area I am in with not many orthopedic surgeons I was forced to wait to see the doctor by a couple of weeks. I submitted the claim and it was denied due to the fact that I did not go to the doctors within 72 hours. Nowhere in my paperwork does it state that I had to see a doctor within 72 hours. I called cancel my Insurance and the woman I spoke to told me that she would cancel my insurance and I would be refunded $482. Several days later she called and said she made a mistake it would be $40.00.

I've paid into Aflac since June 2022. They have been taking it directly from my paycheck... I had back surgery, filed a claim in a week before surgery... They didn't have a policy for me. Said it was a computer glitch. Did some more paperwork to try and get sorted out. Still haven't seen a dime. Now they are saying I owe them money since I was out on disability that is through my employer. They can take my money but won't give me mine. Hmmm not right. This has to be illegal. How do they get away with that??? They a bunch of thieves...

I have had my Cancer and Short Term Disability Ins Policies with this Company since 1998, it's 2023. That is a very long time. I wanted to do the right thing. However with some kind of issue with their website when I paid my account online 2.26.2023 for the 1st they said they did not get my payment. Then they sent a letter and stated they wanted the payment no longer online - till I had my back issue them a letter stating that I had the funds. Which after this many years is stupid. I have always paid that payment. I canceled the account - what was crazy - I had the account longer than the girl who canceled the policy had been alive. I will use welfare and gov't just like everyone else.

We only had Aflac for a brief period before my husband was diagnosed with cancer. They paid the claim very quickly. The easy to complete on-line filing for the wellness benefits are paid promptly. We have never had any problems and will continue to use them for as long as we live. It's nice to do business with a company that stands behind their product. Thank you Aflac!

I was in intensive care in 1996; decided to get an AFLAC intensive care policy in case myself or my husband ended up in intensive care. Day after Christmas (26th) my husband had a heart attack. Spent two days in intensive care. I sent in a claim that was denied as Aflac didn't like the codes on the claim. Went to the hospital and they gave me a new bill with other codes, so I sent in a appeal claim. We got a total of $300, reduced rate because myself as the main person is now 70. This on an $86000 + hospital bill. Statement with check says all claims will be reduced due to my age. My husband who the claim was for is under 70. Don't waste your money, better off putting cost of policy in your savings account as you will get a much better return. If you are over 70 expect any claim to be reduced due to your age. I feel like this is age discrimination!!

Absolutely horrible. Impossible to get assistance with claims. Have been waiting months and months... Still waiting. Aflac advertises help with money while hospitalized. You will starve to death first! Scam.

AFLAC is a scam and their web portal seems to be designed so you are unable to contact someone to assist with your claim. It seems to be designed so you give up and say “It’s not worth it”.. Please reach out if you need another witness..

I've been with Aflac for over a decade. During open enrollment, I elected to discontinue with a rider that was on one of several policies that I have. The rider was to end 12/31/22 however; as of March 7th it's still being deducted from my account. Since January 5, 2023, I've spoken with and emailed several Aflac representative, every two weeks, and they all claim the rider is cancelled but deductions are still coming out of my paycheck.

I work for a municipal agency aka a city employee in NYS. My job puts my physical health at risk so I made perfect sense to have added insurance. I’ve had bad experiences with these companies but decided to give Aflac a try since my employer actually recommended them. When I spoke with the agent the first thing I mentioned were my past experiences and how they took my money and ran. Well!!!! So did Aflac! I had a brief convo about my needs and chose the coverages I wanted. I gave my employment info and the agent said I would receive all the info and items to sign off on. I never received the email and was concerned I lost out on getting coverage because it’s done at end of the year.

Aflac group is a supplemental insurance policy you obtain through your employer. They present it as a supplemental income for "Accidents, Hospitalization, and or Critical Care". They also promise to pay you for wellness checks. These promises are short of lies, they don't provide any specifics so when you submit a claim they pick and choose and will often deny your claims. You are unable to reach anyone via phone. To submit a claim, you are required to jump through hoops; which is not an aggravation you need or want while trying to recuperate. They misrepresent the policies. It is not worth the money spent.

After finding out that Aflac was fraudulently charging me for premiums that we also being charged to other participants for 3 years asked "agent" to produce copies of older invoices and a copy of the original policy. Was given the runaround. Sent unhelpful links and never produced a single document. After expressing much deserved frustration was called hostile and told that he would no longer speak with me. Worst experience of my life.... Someone should retire that duck as this company has no interest in protecting it clients in times of need.

My husband learned he had blood cancer around April 1st of 2022. As the spouse, filing of claims has landed on my back along with everything else. He hasn’t worked for almost a year and I have been filing claims for nine months. His cancer required a trip out of state for a diagnosis and then a stem cell transplant that required 40 days in the hospital over 100 miles from our home. I’m still waiting for payment for our trip to Minnesota for the diagnosis. We received payment for proof that he has cancer after much back and forth as they were demanding a tumor biopsy – something that doesn’t exist for blood cancer.

I have been paying on Aflac for over 3 years. I purchased this for peace of mind like they advertise and told me in person. I have accidental and critical illness for me and my family. My wife was recently admitted for Myxedema coma. She was in a coma for 4 days. She was admitted and stayed in the hospital for a week and a half. I contacted Aflac prior to filing a claim and they said it falls under the critical illness as she was in a thyroid coma. I filed once 10/14/22 and was denied. They said I didn't send in the requested material from the hospital stay and that I can send it through text. I did that. No response. I then filed a new claim on 10/26/22 and uploaded the Dr and hospital notes and stay with break down of all the lab tests as requested.

I Ruptured my Achilles. I had outpatient surgery at a hospital. AFLAC only paid $325.00. Outpatient claim was denied, and hospital claim was partially denied because I wasn't in the hospital 24 hours. Accident claim was denied because there was no indication as to how I ruptured my achilles. AFLAC is a joke. $325 for a surgery?? And I am out of work for at least 6 weeks. I am considering cancelling my policy.

Claim was filed early November. There was a discrepancy with the physician form. I corrected then resubmitted. Two weeks later there was another discrepancy with the corrected form. Why didn’t the claim manager take their time initially when I first submitted the claim to identify all discrepancies. Then submitted corrected forms twice to be denied about 5 weeks after in December but my claim date was in early November.

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).

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.

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 **.

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.