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Reviewed Oct. 28, 2022
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.
Reviewed Oct. 14, 2022
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
Reviewed Oct. 6, 2022
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.
Reviewed Oct. 6, 2022
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.
Reviewed Sept. 21, 2022
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?
Reviewed Sept. 21, 2022
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.
Reviewed Sept. 2, 2022
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.
Reviewed Aug. 17, 2022
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.
Reviewed July 22, 2022
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 $$.
Reviewed July 19, 2022
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.
Reviewed July 9, 2022
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.
Reviewed May 27, 2022
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.
Reviewed May 18, 2022
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.
Reviewed April 22, 2022
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.
Reviewed April 20, 2022
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!
Reviewed April 17, 2022
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!!
Reviewed April 8, 2022
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….
Reviewed April 1, 2022
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.
Reviewed March 23, 2022
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.
Reviewed Feb. 25, 2022
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.
Reviewed Feb. 24, 2022
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.
Reviewed Feb. 24, 2022
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.
Reviewed Feb. 14, 2022
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!
Reviewed Feb. 12, 2022
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
Reviewed Feb. 8, 2022
I signed my dental office up for supplemental insurance. They paid like $50 bucks for a couple regular doctor visits. Anytime you need anything, or need to cancel/change your policy you CANNOT get in touch with a human. The self service system sucks and just keeps repeating itself, hanging up on you, or revolving you through the same options. I reached out to my representative after trying to cancel over 3 months ago, while they continue billing me, and she just referred me back to their un-attended phone number.
Reviewed Feb. 5, 2022
I had short term disability with Aflac through my work. When I got COVID-19 from my workplace, my employer did not pay me to be out. I was out of work for a month and spent some time in the hospital. Since I had Aflac, I put in a claim. Oh they did send me a check after about a month later with no response. The check was for $15, which is less than what l make in one hour. For a whole month of being out of work, I get $15. They are seriously a joke. When I tried to contact the customer service, no one would get back to me. I tried for several months with no response. After 3 months and quitting my job, I no longer had to deal with them. They charged me $13 a month for short term disability and the best they could do was send me $15. Save your month and don’t bother with this company.
Reviewed Jan. 28, 2022
I spent 13 days in ICU at the University of Michigan Hospital for my second open heart surgery starting on June 4th 2021. My policy with Aflac is suppose to pay me for each day I was in ICU. I provided Aflac with an Itemized bill from the University of Michigan, which was 29 pages long. It clearly identified the days I was in ICU as HC-RB- Inpatient-Intensive Care at $5,752.00 a night. In addition I signed an AU form authorizing them to contact the hospital to verify this information. This is what my policy with them call for. They in turn kept asking for the same information over and over again, even though their website clearly showed, they had it. This was on the first claim which they denied, filed on October 25th, 2021. I have been with Aflac for 30 years and always been very happy with them, until now.
It is near impossible to communicate with them and when you do, it is with someone who can't help you, but will forward the information you provide to claims. Claims already has it. The time I have spent trying to get this claim paid, I would have made more money working at McDonald's. It is now January 28th 2022 and it still hasn't been paid. If you don't believe me try contacting someone in claims.
Reviewed Jan. 26, 2022
I keep receiving robocalls from Aflac rep identified as Steve about Aflac sales jobs, even though I have blocked this number. I don't know how the calls are getting through. How can I get them fined? I am getting these calls almost daily.
Reviewed Jan. 26, 2022
If I could give this zero stars I would. I paid into my AFLAC for short term disability, as well as hospital policy and an accident policy for three years! When I had an emergency C-section for my daughter they did not pay me a single penny when I was told that I would be getting around $3500 to cover the eight weeks that I was out of work… but because I wasn’t bedridden they didn’t pay me a penny. So I spent hundreds of dollars over years just to realize that they don’t actually pay out unless you are basically confined to a hospital or a bed. If you break your leg but you can still Feed yourself, or get to the bathroom on crutches, or drive with your opposite leg and your doctor hasn’t told you that you need to be on bed rest for months then do not expect any compensation.
Reviewed Jan. 12, 2022
Been with AFLAC since 1984. Thank my lucky stars I have never had to use this insurance. Their CUSTOMER SERVICE is beyond belief. No customer service is MORE LIKE it. Make telephone appointment, now this could be anywhere from 1 day to never. Set up way too many appointments to count. No one to help when you need it, make telephone appt, WHY??? Online it states anywhere to 48 hours and claims are processed. Read the reviews, more like months to process. I will NEVER recommend this company to anyone. Email contact, is just as useless. Indicated they can't make calls out. I have worked in call centers, they make times available to follow-up with customers. They need to spend more money on Customer Service Departments, than on stupid TV commercials with stupid foot ball coaches.
Reviewed Dec. 22, 2021
I’ve been waiting for almost two and a half weeks for someone to get to my claim. Every time that I would try to contact them to speak with someone I’m always prompt to receive a scheduled call back which sometimes until the next day. I’ve emailed the claims department several times about this, also the customer service department, and no response has yet to be received from neither one. I wouldn’t recommend pet insurance from this company let alone human insurance. I’m still waiting since November 24th for my claim to be resolved. They lie about receiving documentation which stalls from them resolving your claim. LOOK FOR ANOTHER COMPANY BECAUSE THIS ONE WILL LEAVE YOU TO SINK.
Reviewed Dec. 17, 2021
Been with Aflac for years. Poor customer service with no communication. I will not recommend this company as I have in the past. I have been out of work since October with an injury. Submitted all paperwork and was sent a check in November. My disability has been on going as I had to continue testing with MRIs. When I sent the second MRI result as to continue with my claim I never heard from Aflac. Automated system, unable to speak to a live person. Multiple calls and finally in December I am told they would not approve claim as I have to once again resubmit paperwork. This is on going issue related to the original claim.
I was informed 12/17/2021 that I was sent letters. I have not received one letter. They don't have a problem taking my money every month yet couldn't contact me about my claim. Denied my claim when it is all the same disability issue. They want all new paperwork. Aflac you are failing your customers. I will not recommend and will cancel the insurance. I DON'T EVEN WANT TO GIVE 1 STAR. AFLAC DOESN'T DESERVE 1 STAR HOW YOU TREAT CUSTOMERS.
Reviewed Dec. 1, 2021
Every time I call, I have to schedule a call back appointment. For emails, they don't reply until a week later, and all they do is transfer to an "appropriate" department. Of course no answer from appropriate department. When I finally got to chat with a real person, I told the rep about the service, the rep was defensive instead of actually offering a good manner about it. The rep said the first request was on 11/23, and make an excuse that it take 7-10 business days. Actually the first request was on 11/17, the rep continued to be defensive. DO NOT buy any products from this company!! Horrible customer service! I would not go back to this company!
Reviewed Nov. 22, 2021
I have been trying to get in touch with a customer service representative for a week now, a real customer service representative not a robot. It is almost impossible. I am trying to help my dad cancel his policy, he is not very tech savvy so the daughter is here to help. After calling the general customer service number and not being able to get through numerous times I tried to call a different number and the lady mentioned she could only write new policies on her computer, she didn’t have access to policies that already exist. (They make it very easy for you to talk to somebody to write a new policy but impossible to cancel a current one) nonetheless, she was EXTREMELY rude to me.
I was asking for help on what to do and she gave me the customer service number that I had already called 4 times. She kept interrupting me and cutting me off and kept going on and on about how they were the best carrier and had the best customer service. LOL. Instead of actually helping me she wanted to give me a history lesson and was not listening to my needs, nor apologetic whatsoever. And continued to badger me about calling the customer service after I had told her I had already done that numerous times and what was I supposed to do at this point? She was zero help. My parents have been AFLAC policy holders their entire lives and now my dad wants to cancel all of his policies and I will never become a customer because of my brief encounter with this one lady. If this is the way Aflac trains their employees I will not support them. They don’t even deserve one star.
Reviewed Nov. 20, 2021
My rep has absolutely no idea of the policy specifics or procedures of the product she is selling. I receive consistent misinformation. The lag times and lack of of communication can only be attributed to making you give up on the process and just go away. In what universe is an EOB from an insurance company not adequate. HORRIBLE!!!
Reviewed Nov. 18, 2021
Submitted a short term disability claim over 30 days ago. Is still in review. All paperwork has been received by them. Every time I call in it's going to be next day. Next day never comes. Their customer service representatives do not care care and by my disability claim being in for this long shows that the company does not care. They are quick to take your money out of your paycheck for your short term disability but then don't want to want to pay on their claims.
Reviewed Nov. 4, 2021
I decided that since the pandemic being in the nursing field my workload has doubled. So to be on the safe side I got a policy because I am a single mother living paycheck to paycheck. Had emergency surgery Oct 7th. Wasn't able to walk or do anything. Still waiting for them to pay me. Rent is past due. I was homeless before and now I'm worried I have to go back to work because I can't just sit at home. Not even fully healed yet. Every time you call they tell you the same thing. It is in review. It's going on a month now. I will b cancelling my policy.
Reviewed Nov. 2, 2021
I have been trying to file a claim for over a week. Aflac is demanding documentation that doesn't exist per the hospital. Every time I contact an Aflac employee I get a different answer ”the runaround”. The wait times are way too long, no one will help. SO FRUSTRATING!!!! Meanwhile the hospital is sending me to collections for nonpayment. I will NOT renew!
Reviewed Oct. 25, 2021
We have had Aflac Accident, Cancer and Critical Care policies for approx. 15 yrs. We have only ever needed to use our Accident policy other than filing Wellness benefits on the others. In the beginning, filing claims was as easy as sending a fax over and the claims dept. would process it within a few days and they'd mail you a check. Then, in the digital world of advancing technology, their system was updated where we could upload our claims documentation online which really sped up the process. Then they added direct deposit and things were literally golden! As long as you submitted the correct info, you could have your claims paid and direct deposited in under 48 hours. Sadly, Covid hit, and everything fell apart!
Beginning in early 2020 they did away with next day claims processing and that was understandable with all that was going on in the world and closures, etc. Hold times when calling the claims dept. exceeded 3 hours most days. Then you had claims being denied that shouldn't have been denied or the claims specialist were unfamiliar with what benefits are actually included in the Accident policies and not even reviewing them even though precise and clear documentation was submitted. So you're constantly resubmitting claims and having to show them why you submitted it and proving to them that it is an actual benefit on your policy. I submitted a claim 11 days ago for platelet injection treatment and they denied the claim for "Payment for follow-up visits has been exhausted". I didn't even submit the claim for that?? But yet, they don't review the documentation you send in for all possible scenarios for benefits.
And in the last few months you literally can't reach anyone on the phone. You can only schedule a call back and those are mostly days out! I called today, Monday 10/25 and the earliest I can receive a call back is on Thursday 10/28!! That's completely unacceptable in my opinion. They expect to withdraw my premiums in a timely manner but I can't receive customer assistance in a timely manner?! I remember a day when I used to rave about how good Aflac was and insisted my friends and family all get a policy. Not today I don't. Find another company bc Aflac has gone from 1st to worst!
Reviewed Oct. 21, 2021
Agent comes into business in 2016 and I sign up for 2 policies, short term disability and accidental. Was working part-time so not making much. 2019 agent in business again and I sign up for 2 more policies providing new wages as I was now employed full time. June 2021 I suffer a traumatic injury at home. Start the claims as per instructions. My employer states my wages on the initial claim as requested. After numerous phone calls I find out my wages were never updated for my policies since 2016 even though an agent took all my new info in 2019.
Aflac claims it can't be updated since I had begun the claim process. I am getting 30% of my wages, unable to work because of injury, wasn't able to drive or walk. Still fighting with them on my hospital bills, therapy and accidental as well. This has become my new job as I have to call everyday with a 5 hour on hold or attempt to use their online chat feature which never works. Or maybe I get lucky and get a call back when I request it. As soon as I am back to work and finished with Aflac they will be cancelled asap.
Reviewed Oct. 19, 2021
They have delayed payments, requested verifications and not providing the necessary forms to be completed. You have to make an appointment for telephone call to speak to a rep and website just states in review. They continuously report they didn't receive documents. You pay them many years and they have don't want to pay anything. I have paid 29 years on time each month. They want your entire medical records. Nothing in a medical certification is valid. They use a book to say how long you should recover when each person is different and other underlying conditions could be impacting recovery. They don't explain any of this during contract purchase. I have been told to refer to my 29 year old contract when a certification from the doctor was good enough 289 years ago.
Updated review: Oct. 29, 2021
This is my update on my initial cancer claim and its progress. I have changed my original 1-star review to 4-stars based on my experience since my first post. My claim was actually paid within 12 days via direct deposit...a quick turnaround. However, today, Oct 28th, my claim status online still shows "In Review"...weird since it was paid on 10/18, more than a week ago. All in all, this first claim turned out to be a good experience after all!
Original Review: Oct. 15, 2021
We've had a cancer plan since 1997. I was diagnosed with lymphoma in April 2021. I recently created an AFLAC account online to file my claim quickly. I also set up direct deposit for the fastest payment method. I completed the claim form online and uploaded my path report on 10/6/21. In the 90's, I have known many claimants who were paid their First Occurrence benefit within a week. This initial claim is the simplest because the only decision is whether proof of cancer was submitted...That's it! No hospital bills, travel expenses, etc. to review. This initial claim should be approx. $16,000.
After a week of still showing my claim status as "In Review", I called H.O. on 10/14. The AFLAC rep stated that my claim was going to be reviewed the next day on 4/15. I asked her why it has been showing as "In Review" for the last week. She said that it has been in cue to be reviewed but the review actually hasn't started yet. I then asked her how long would it take for this initial claim to be reviewed. She stated that it depends on whether the auditors need more info. At this time, I informed her that either the auditor believes the pathology report is legit or not...There would be no need for additional info. She said that she understood my position but that was all she could say. I will update this review when my initial claim has been processed and I have been paid...Hopefully, with a better experience to relay.
Reviewed Oct. 14, 2021
After months of pre operative therapy, MRIs, then surgery which included post operative therapy they awarded me 0 (zero) dollars. I had my plan for three years and this was my first and only claim. I canceled immediately...Do not waste your money!
Reviewed Oct. 7, 2021
I have had my policy with Aflac for just over a year. My wife and I obtained coverage since we own a small business together and if either of us are injured it is a big deal. My wife tore her ACL this year, requiring surgery, and after filing her claim they offered her just $80. They provided no explanation of what was covered or why, or what was missing. After spending 9 hours on the phone with them and with doctors and sending numerous documents to aflac, they paid $900. Again, no explanation of benefits. On the Aflac website a torn ACL with surgery is listed as an example, with stated coverage of $2,400. Company is impossible to work with - they don't say what they are covering, why or why not, and that leaves us confused - and canceling this worthless policy.
Reviewed Sept. 23, 2021
I started a claim on February 4, 2021 for my wife who was hospitalized because she needed an emergency surgery to put a pacemaker into her. Ever since the initial claim I have been getting nothing but the runaround from this company. The first time I called to check on the status, they claimed that the UB04 form was too light. I then darken it and resubmitted the UB04 form, when they then said that they couldn’t see how long she was in the hospital, what type of room she was in, and they needed an itemized bill.
I submitted the itemized bill and the very next time they claim my wife needed to sign a consent form. We submitted the consent form and then when I called back, they said that it did not have her last name or the policy number. I submitted these forms under my online username and password which has both of my policies numbers that I have with them. So, I emailed directly to a “**,” who confirmed to me over the phone that she received the consent form and will give it to the reviewers on the March 16, 2021. The very next day I get a notification saying that the claim was not approve because they did not receive the sign consent form.
So now I filed another claim for my wife pacemaker on March 22, 2021 and uploaded the Sign consent form with my wife's full name, policy number, and date of birth with the claim. My wife called on March 24, 2021 and they told her they were waiting on a UB04 form from the hospital, at which time my wife told the representative that we already sent it. Then the representative response was that we should not have sent the UB04 form, even though that’s what we were told to send on other claims that we have filed with Aflac through the years, and they approved them. I called the exact same day to see what their excuse would this time be and was told they have until to March 30, 2021 to review it. I inquire and but the next day payment and was told they no longer provide that service.
March 31, 2021 at 1609, I called to check on the status of the claim and was told they have a long wait time and was given an option of someone calling me back. I received that called back April 3, 2021 at 1315 I received a call back from a Jacqueline #** which now tell me that they are waiting on a consent form again and waiting on my wife’s consent form, itemized billed, and UB04 form all items that I sent to them on the claim I submitted on March 22, 2021. I keep get the runaround and always a different answer. Aflac does not want honor what we sign up for all while charging my credit for the service that they are not providing. I’m not allowed to talk directly to the adjuster and can get any real answer for the representative we called.
My wife was hospitalized due to COVID. After going through that trauma, I submitted a claim with Aflac and every time I have called them, they give excuses of they need more paperwork. The person who’s reviewing the claim you can never talk to. If the claim is small, they have no problem paying but when it’s going to be a big claim, they make you jump through obstacles. Their advertisements is not the same as the actual claim. They also have no problems with taking your payments out monthly but give you an extremely hard time paying off on claims. Buyer beware.
Reviewed Aug. 23, 2021
Cancer policy bought several years ago as payroll deduction through employer. Recent company change requires transfer to direct pay. Simple enough, right?? Not any more!!! I've spent hours trying to reset online login password, get customer service on the phone and get action via emails to corporate office. Today's 800 Customer Services has "4 HOUR call waiting". Even after contacting the sales rep and sending an email to the Corp office, no resolution. Now shopping for new policy with a different company!!
Reviewed Aug. 20, 2021
I had joined Aflac through my job. As I a member I was supposed to get paid if i was taken by to hospital by Ambulance, if I was admitted into the hospital for a period of time. Everything that this crooked insurance said that needed to be done for them to pay out was done. They still refused to payout. The sales agent said they were having issues with their computer system which they said delayed my enrollment even they had signed documents of the actual date of enrollment. I felt this company is a fraud and stole my money since they said they had issues signing me up but not taking my payments.
Reviewed Aug. 18, 2021
I have 2 policies with Aflac through my Job. They show up present themselves to our Company and we bite. I get accidentally injured at home. File a claim and turn in any possible paperwork I need for them to accept my claims. They continue to reject my claims and refuse to pay out. But are quick to take out those $20 a week from my paycheck. I literally feel scammed and robbed. I will never recommend them to ANYONE! Worst experience ever. They are not worth mental and financial stress.
Reviewed Aug. 16, 2021
I have been trying to change the direct deposit account for my mother's benefit payments for her long term care policy for three months. I have tried to contact Aflac in all ways possible and they refuse to make the change, since they say I should have access on their website. Which I do not, and have sent them screen shots to prove that they do not have the feature they all have referred me to. They will not even allow my Aflac agent or claims representative help me make this change. One interesting note is changing my mother's SS direct deposit to her new bank took minutes. Aflac is worse than the Federal Government for service.
Reviewed Aug. 9, 2021
The adjuster was more interested in meeting the 30 day deadline as opposed to understanding the claim and need to speak with the treaters rather than relying on forms that needed to be filled out by the physician. I was out on a stress related claim and wound up more stressful with having to explain and follow up myself with the doctors. In the end, I was advised that I was denied pay while out for 6 weeks but FMLA protected. Why—-because I was able to do math and comprehension problems. They failed to review insomnia, inability to focus/concentrate, headaches and everything else during COVID new way of working that was affecting my health! Terrible experience.
Reviewed July 23, 2021
Aflac is the disability insurance thru my employer. I recently had lots of illnesses after Covid shots. My main treating physician has provided certifications and notes to support my short-term disability, However... (1) Aflac Delay Tactic - Aflac kept delaying my case; No return calls from case manager or no reply to my emails sometimes for several days, until I called again and again. After weeks went by without letting me know what the status is and what they need, they just denied my case.
(2) Aflac Downplay My Illnesses - They ignore my main treating physician’s diagnoses and assessments. We submitted ER and MRI tests showing my illnesses, They ignore those too. (3) Aflac No Spelled Out Criteria - When I ask what criteria they use and what specific data they need they don’t tell me. This is an unethical insurance company!!! I’m trying to take care of my illnesses and trying to get better, but their immoral tactics are making my conditions worse and taking away my valuable time trying to get better!!!
Reviewed July 19, 2021
Veteran here, had PTSD related mental break in April. Submitted VA Doctor's information who sent over list of meds and reason for meds with period of time. Aflac says not enough and want to see notes from therapy meetings to determine if I meet their standards of “?” because they won’t tell me what they are looking for. Very HIPPA sketchy.
Reviewed July 16, 2021
For many years I had the full medical/injury claim with this company. I had an injury and filed a claim. Suffice to say they used every excuse they could come up not to pay anything. Of course I cancelled my policy after this but all the years I paid for what? They say a lot but beware you might not get anything and they will get everything! This is a great scam that they use to get your hard earned money!
Reviewed July 14, 2021
Aflac used to have 1 day pay, NOT ANYMORE, now if you call customer service you have to put in for a call back because it was a 3 hour wait on hold, you can’t get any info when you do get to speak to someone and now they won’t even review your claim for weeks after you submit it. Aflac was great in the past. Now they are the worst in efficiency and customer service and quality versus cost of the premiums. I have just sold my stocks I had in this company they are going downhill.
Reviewed July 7, 2021
I am currently still forced to pay this thieving company for their "service", as they won't release me from my relationship with them. Last year, I had a $23,000 surgery, forcing me to take 10 weeks off from work. After painstakingly filing their over complicated claims forms, getting signatures from employers, submitting accident reports, and more, and more, and more. Their joke of compensation was $268. That pittance wasn't even worth the frustration of making the claim. NEVER MAKE THE MISTAKE I DID! NEVER DO BUSINESS WITH AFLAC! I am looking into suing them.
Reviewed June 30, 2021
I have had accident insurance with Aflac for my family for a number of years. I have used it twice successfully. I submitted my most recent claim 6/16 and provided documentation for each visit with all that they requested. The claim continues to say needs additional documentation despite the fact that I submitted it and they sent me confirmation emails saying that they received it. No additional emails were sent explaining the hold up. I then tried to use the chat function on their app. This feature is useless and did not help at all. It just stated again that documentation is needed. I have spend way too much money and time on this insurance and I would not recommend it to anyone.
Reviewed June 17, 2021
I have been trying to get a hold of Customer Service for the past few days. Wait time has been anywhere from 2 to 5 hours. It is ridiculous that you cannot talk to somebody about your policy that you pay into. Trying to get information from the website is not very helpful. I have never had experience like this in my life. Very dissatisfied customer!!
Reviewed May 27, 2021
I agree with prior consumer criticisms of AFLAC. Their customer service has declined dramatically with their online system changes. I tried to submit an Annual Wellness Exam claim today. It used to be very easy in the past. Now, it asks for exam or procedure like Mammogram. I select Wellness Exam, then it asks for provider information, then it asks for only procedures and no box is provided for wellness physical. If you don't select a procedure, the system will not let you proceed. They let you chat. I tried and kept getting a response that they did not understand my question. Called customer service. Got a recorded voice message, "Sorry we're busy, we can call you back in 2 hours"! Very disappointing degradation of service. My wife and I have had them for over 10 years and never experienced any like this.
Reviewed April 21, 2021
Paid premiums for 2.5 years, 1st attempt to contact them stole an hour from my life. They are more interest in harvesting information for you than providing a service. On a positive note, they were very efficient withdrawing premiums promptly, never missed a paycheck, however should you discontinue service they will place "your responsibility to end withdrawal".
Reviewed April 13, 2021
I will NEVER use Aflac again!!! I've been off 7 weeks and have spent time and money running around getting documents filled out then emailed in. They tell me they never received any paperwork. I resent it to the agent and she uploaded it into their system herself. I've been hearing 24 to 48 hours for review process to be completed. Then I'd be paid but a week and still nothing. An adjuster now has it so 24-48 hours again. I've never seen such a scam as this. I had to cash out a 401k plan to keep our bills paid. Paid a hefty penalty for that. I would like to know WHO holds these insurance giants accountable for the torment and suffering that they cause. They say stress isn't healthy... Well action needs to be taken against Aflac!!!
Reviewed April 13, 2021
My husband has had AFLAC for around 12 years, I file all his claims for him. We started having claims 6 years ago. The process was very confusing at first, then got simpler as I learned. Then I was introduced to the “One Day Pay” online option...total game changer...this process was fast and easy and pay out was literally in one day. Now fast forward to approx 6-8 months ago..."One day Pay" disappeared and there was no explanation or warning of this happening...just all of a sudden claims are taking 10-14+ days to get paid out...(currently waiting on a claim to be paid from 13 days ago).
The Phone service has Never been what I would call good but now it is Nearly impossible to speak to a person or get an online response unless you have a month or more to wait. I do realize COVID has its part in this, but a simple email or letter explaining in detail what’s going on to all of your members would be nice, some communication as to why the service has gone from top notch to absolutely horrible, and let not just blame it on COVID...there’s more than that causing this rapid decline.
Reviewed April 10, 2021
This is second time I had Serious surgery with a stay more than 23 hours in hospital and they won't pay what I am owed. I am sick and tired of fighting with them. Took 3 months last year to get what was due. On 3 weeks with this one. They hastily take my premiums but deny my claims. FRAUDS.
Reviewed April 5, 2021
Believe all the negative reviews! I've had AFLAC 8+yrs, no problems until lately! Been trying to contact an AFLAC agent since Oct, 2019, I am laid off due to COVID 19. I have tried to call and used the call back feature, to have "someone call me back." I would still be waiting if I had not emailed them-- only to receive an AFLAC "Application for Specified Disease Lump Sum Insurance Policy in return. Really? I just sent my third email, and I was ON HOLD--since their agents haven't returned my call since October. Yes, my policy has expired--because I have been laid off and I can't afford the payment at this time. Like I am asking, does AFLAC have any pandemic relief? Why was my email/calls ignored? Why is this request, so confusing? And AFLAC thought I suffered a disaster, so they sent me a claim form. Their lines are worse than EDD! And folks--they do NOT call back. Or offer help. AT ALL.
Reviewed March 30, 2021
I was diagnosed with Melanoma skin cancer. It required surgery and multiple different doctor visits and doctors. Aflac made the process easy and quick. Frank ** is my local agent. He was awesome too! Thank you Aflac!
Reviewed March 19, 2021
I've been a client for 5 years and until this past year claims flowed pretty smoothly for the most part. They can't blame the problems they're currently having on COVID because their system was automated prior to COVID. Not only have I been asked to keep resubmitting docs that it shows in their system was received but they have started asking for additional docs for claims identical to claims paid in the past. It appears they're trying to annoy people so much that they forget about their claims. Additionally, I don't even receive an email that they need anything anymore. If I'm not paid after a week (used to be next day pre-COVID) then I have to go online and look at the status. They need to evaluate how they treat their clients.
Reviewed March 8, 2021
Have had AFLAC cancer policy many years. I have only had minor claims, they used to be great and paid within a few days. Now I still don't know how long it will take or why their service has gotten so bad. Tried to call and was advised the hold would be at least an hour. I used to recommend AFLAC but they have changed.
Reviewed Feb. 25, 2021
This rating is meant to serve as a warning! Do not waste your money. Aflac does not deliver what they promise. Claims are rejected for ridiculous reasons. The agent who sold us our policy became unapproachable and proved to be dishonest. Numerous attempts to contact her with no response. She promised 1 day pay outs and her assistance anytime. We have made 3 claims for $2500 but only received payment ($205) on one, which required 4 "corrections" prior to payout. We gave up on the others. Worst company ever!
Reviewed Feb. 16, 2021
I've had Aflac for many years, still do, however, they do not pay out like they say they do. In fact, it is nearly impossible to get them to pay for anything other than the proactive stuff (the $50 reimbursement each year). I'll share 3 experiences in 2020, all were not paid, I finally gave up trying. First one, wife was doing housework and hurt her elbow, after a week of not getting better, went to doctor & physical therapy. Sent all records to Aflac, all the doctor records, Aflac refused to pay due to the fact that I couldn't prove it was an accident. How do you prove that? After many back and forth instances, I've given up because they say the doctor records need to say it was an accident, but I can't control what the doctors write in their records.
Second instance, daughter broke her toe at home, kicked something (on accident) and broke her little toe. Went to doctor, did all the stuff to get it fixed, claim submitted to Aflac, exact same deal. All the medical records were submitted, but they refused to pay, once again because there was no proof it was an accident. How do you prove that? So, I gave up on that one too after multiple calls into their claims department.
Third instance, daughter hurt her back playing tennis. Went to chiro, got all better, but then submitted a claim, exact same deal. Aflac refused to pay because I could not prove it was an accident. At this point, I am not sure why I even have the accident insurance as they have failed to pay 3 accidents that happened in the last year. All 3 of those accidents are covered by the verbiage in the plan. I have been disappointed in the Accident plan and the fact that Aflac will not pay for stuff that the plan says is covered.
Reviewed Feb. 1, 2021
I had Aflac for two years. I had a surgery and I am off for three months. Aflac has not paid me anything. They keep denying my claims. I have sent over document. They asked for legit documents from me my employer and doctor. Still they will not pay me. I’m also not able to contact my agent. He never answers his phone. I leave messages. No call back. I text him. No response. I’ve recently filed a fraud claim against them through Federal Trade Commission and am going to email the attorney governor for Texas and Ohio. I do believe that's the state it’s based out off. Do not let these people fool you put of your money with that stupid Aflac duck.
Reviewed Jan. 30, 2021
Aflac is worse than State Disability when it comes to paying out claims. I submitted my claim back in December because I was in the hospital in November for Covid and I only receive $406. They pay $20 a day. My doctor said I was not able to return to work as yet, All the information was stated on the claim form I had to call them back in January 2021 to see why I did not receive another payment. They told me that I need to fill out another claim paperwork, filled out the paperwork send it to them on January 12, they sent me back stating that they need a copy of my Social Security card, sent them the information and still have not received a payment yet. As of January 30, 2021 still no payment, you call customer service, they put you on hold for 2 hours.
Reviewed Jan. 29, 2021
Have a few policies with Aflac for myself and my wife through my employer. On 4 of the 6 policies, they have a wellness benefit that pays between 50 and 60 a claim for doing things like a physical / annual checkup once per year. Filed a claim for all 4 policies in February of 2020. Kind of forgot about it, but around Jul 6 I recalled that I didn't receive anything so I called to figure out what happened.
Customer support claims that no claims had been filed, which I know wasn't true, as I had received confirmation of them being filed. Figured I would just file again, but forgot about it again. Finally, in late December, half of the claims suddenly show up in my bank account via EFT, and the other half by check in the mail. All show claims dates of early in the year. Then, 2 days later, another check shows up for $60- for a claim from mid 2019! At that point I realized I hadn't even gotten paid from the year prior claims.
I truly hope I never have a big claim, as I am sure it will take decades to get paid if it takes over 1 year for a $60 wellness claim. Definitely not worth the money, and definitely not in line with their marketing where they act as if they pay fast for emergencies. I may have to invest heavily into this companies stock, as they definitely have to be turning a huge profit with how slow they pay claims.
Reviewed Jan. 27, 2021
I have had a cancer policy since 2008. Every time you call the wait times have been between 1 hour and 1 hour and 45 minutes. Then to also find out when they do call you back that claimed will be processed around a certain date at the end of the month. They used to have claims processed in 3-4 days but now it's whenever and whatever date. To pay the premiums promptly they want your money immediately but when it comes time for them to pay you you wait forever.
Reviewed Jan. 15, 2021
Every negative review about this company should be believed. We had to file a complaint to the Virginia Bureau of Insurance to get our final payment. They have the run around down to a fine art. When you call you have to chase a real person. Then you are put on hold while they "look into it" or "consult the claims department". They ask for unneeded information such as a detailed itemized surgery report even when they have the diagnosis from an oncologist as well as a biopsy. You send what they want and when you don't hear anything you call and go through the same phone disaster only to have someone say they didn't get it. Then you repeat this same process until you decide you cannot continue to fight cancer and AFLAC at the same time.
Reviewed Dec. 12, 2020
January 2020 I received a promotion to Supervisor. After passing my trial period I then became eligible for full benefits. I was told that I could sign up with Aflac. After being interviewed by salesman over the phone I got a couple of products including short term disability policy. Sept 30 2020 I was diagnosed with a heart condition after going to the emergency room. I was kept in the hospital on a Sunday night and had open heart surgery on Wednesday. Since then I have had to make over 20 calls to Aflac about my claim. Each time I have to wait hours for a call back because they claim to have an unusual amount of calls the entire day. I keep getting letters in the mail stating the paperwork was incomplete or they need additional documents.
My surgery was Sept 30 2020 and it is now Dec 12 2020. I am no further down the road than I was at the beginning. Each time I call I'm told they didn't receive the requested documents. I'm also told each time they are requesting an escalation on this process but nothing is happening. I've been reading other reviews and they are similar to my experience if not worst. I'm on unpaid leave going on 2 1/2 months and paying out of my savings. This company is gangster taking money in and not paying out on the policies. I'm ashamed of Nick Saban for promoting Aflac. I wonder if he did research on them before he contracted? My only hope is for God to intervene. Aflac is a cancer and is sickening. Because I had this happen after 2 months of getting the policy they are treating me like I'm a criminal. Don't use this company please.
Reviewed Nov. 23, 2020
I have paid on a cancer policy for many years. I was recently diagnosed with breast cancer and had a double mastectomy. I am FIGHTING to get any money from them. My agent's phone # is disconnected, I am currently on hold and it has been 57minutes, and I am also using the chat feature. Their entire goal seems to be NOT to pay out unless you turn in more documentation than is believable. My pathology report wasn't enough. On and on. Forms are generic and don't match the situation. I have a 4000.00 IMMEDIATE cancer diagnosis benefit, that should not require me to fight this hard. I don't need this type of frustration on top of everything else. I truly feel like they put up so many roadblock that many people probably end up dropping the whole claim.
Reviewed Nov. 11, 2020
Had knee scoped in August. STD was filed 9-22. Still have not received anything from them. They always need some other form when they have all the information there. 0 stars for them. I have called numerous times and I cant count how many times I've heard 24-36 hours.
Reviewed Nov. 11, 2020
I have had Aflac for years and it has helped me from accidents to skin cancer. You do need to understand the plan you pick. I LOVE MY AFLAC!!! I would recommend it to everyone!! Listen to the person explaining it to you as my friend tried to turn in a cancer claim as an accident and of course got denied.
Reviewed Nov. 6, 2020
I have had Aflac since 1999 and never a major claim, until June of 2020 when I injured my back and had to have surgery. Then I had to fight tooth and nail to get benefits entitled and still not ALL what is owed.
Reviewed Nov. 1, 2020
Updated on 11/28/2020: So I was supposedly denied for "Pre Existing condition." I will recommend The Principal Group. I had another policy through the company I work for now that mind you didn't start till September. For the exact same claim I am now receiving checks for 60 percent., No problem at all. And I was barely over the ninety days. The Principal is a company Aflac could only dream of being. THIEVES. They finally forced me to cancel my policy with them. I refuse to keep paying 253 a month to a company that does nothing while another company (The Principal) never gave me a problem. THIEVES!!!!
Original Review: We were offered short term disability through the company I was with. Thought it would be a good thing to have so I got it. Long story short. Had both knees replaced. Gonna be out eight weeks. DENIED. It was denied due to pre-existing condition? My physician's paperwork clearly said Onset. June 9th. My policy date was April. I understand it was close but I didn't ask for this. And they are not paying the Health issues. They are my short term income due to this. I've read the other reviews. They all seem to be the same. DENIED immediately and hope you walk away. I'm thinking lawyer for this and I think everyone should. They flat out lie!!
Reviewed Oct. 27, 2020
As a member of the HR department, I signed up for Aflac insurance. The Aflac saleswoman, long affiliated with our company referred to the cancer benefit with quick payout. After signing up. I later underwent brain surgery with 3 week hospital stay. After filing claims for the cancer surgery and home care, I was only given, $100 for the cancer, claiming the surgery and care did not qualify as malignant cancer. I feel misled by her sales tactic and have requested a review by my company of misleading professional sales conduct which do not meet our company standards of honesty.
Reviewed Oct. 23, 2020
The company I work for buys a short term disability policy just to help keep money coming in. They chose Aflac because of their advertising. In my case, I became ill and had to miss many weeks of work. The forms are confusing so I decided to make a call. I do want to say the people are pleasant, but that’s it. You fill out the papers then send them in. The doctor does the same. After a while you call back because nothing is happening. That’s where it really gets ugly. You’re told you filled it out wrong, so you do it again. Wait and once again call. Once again it’s not right. 9 times I’ve been told how to do the papers and each time something is not right. Dates, dollars are never right. I’ve come to the conclusion that the company wants you frustrated enough to give up. You give up they don’t pay. I’m almost there now. I now understand the mascot theme. They keep “Ducking” the solution.
Reviewed Oct. 19, 2020
4-29-20 I went to the emergency room for a severe headache. Had an emergency craniotomy for 2 one inch tumors near my cerebellum. Turned out to be cancer from unknown primary. Spent 30 days in a recovery hospital, 10 sessions of whole brain radiation, 4 rounds of chemotherapy. I am left with using a walker, cognitive impairments childlike mannerisms and list of other problems. Aflac has denied my SHORT term disability claim. I have spent months playing their game with paperwork. Dont waste your money people.
Reviewed Oct. 14, 2020
After my father's passing, AFLAC took out premiums for two months because they demanded a death certificate for proof of death. After receiving the death certificate (this takes time, the county health department may or may not be timely), I faxed it to AFLAC. I called to make sure they would reimburse the premiums that AFLAC took out automatically from my dad's checking account. They could not promise that they would. I asked to speak to someone in policy and customer service would not transfer. I asked to speak to a supervisor and "James" from customer service would not transfer. So be prepared to pay premiums even after you die for AFLAC health insurance. It might be legal, but it is not ethical. You will be dealing with a company that does not allow you to speak to anyone except whoever you get in customer service. You will not be able to speak to anyone who makes decisions or anyone in charge.
Reviewed Sept. 28, 2020
I've had accident and disability insurance with Aflac for about two years. When the pandemic hit the tourism industry hard, I emailed my Aflac agent in April 2020 to let her know that I was concerned about job loss in the future and was considering lowering my payments or possibly cancelling altogether to save money. She immediately called my cell to tell me that while I was already paying the minimum on accident insurance (@$24 monthly), we could look at lowering disability insurance payments in the event of job loss.
Well, come September 2020 when I tell her I've been laid off and would like to discuss minimum contributions to my disability insurance she emails me to let me know there is no option to lower those payments - I must cancel the policies if I can't make the payments. It's no wonder she called me in April rather than email me back - this way I wouldn't have her lie in writing. This is how she kept me paying for an additional 5 months. Shame on her! Of course, she's been with Aflac since 1998 - she has no conscience. I've learned my lesson, unless an employer is providing supplemental insurance I'm not purchasing it on my own.
Reviewed Sept. 10, 2020
Last October my husband was hospitalized with blood clots. Very close to dying. Ended up in ICU on a ventilator. We had to fight Aflac to get any money. 4 plus weeks later we get 33$ a day. Coworker goes to hospital with a hernia. He let it go so it was bad. He gets over 5000$ in less than a month, with checks still coming and the man is back at work. Never had to argue. My husband almost dies. Coworker not there. We get next to nothing. He gets more in one month than we did the entire 3 my husband was off. Guess the meaning of CRITICAL illness should be researched by aflac.
Reviewed Aug. 31, 2020
I signed up for disability/accident coverage first time ever not realizing I would have to use this. 11 months and 4 days later I have surgery to get the quality of my life back. With the knowledge of this happening I asked my agent what I would need and what coverage I had available. He outlined what was available and sent me all the documents. Afterward the surgery and submittal of the paperwork I got two payments with no communication as to what I was paid for. After no response I called the customer service line and after that awfully lacking in information call they explained my doctor said this was due to a pre existing issue.
After my rep finally called me back and said well that is all will pay because your doctor said. Well I spoke to my doctor. She never talked to Aflac. So after almost 4 weeks of running around my company insurance broker called and said they deemed this pre existing. No communication to me. No letter. No emails. Nothing. Still can't get my rep on the phone. Now out all those benefits. People save the monthly fee in an account. You will get more in return versus stress and anxiety while trying to recover from surgery.
Reviewed Aug. 28, 2020
This company not reputable. They take your Money weekly (70.00 weekly for 4 policies) then when you file a claim they make you jump thru a million hoops to get your claims paid. We've had it for 7 years and never used it once. Now we are having dental work done and every claim they play game with. They tell you that you need a certain form that doesn't make a lot of sense to the lay person. Then when we upload the completed form it just sits there until we call and yell at them.
Then like magic, they find the form we uploaded and complete the claim the next day. It's a racket. They do this hoping you'll just give up and not file your claim so they don't have to pay you what they owe you. Don't fall for it. Make you sure you get clear directions and complete the correct form and upload it. Then call them and make sure they access the form and get going processing the claim. Call them every day until the claim is done. Don't let them rob you because that's what they try to do.
Reviewed Aug. 22, 2020
These guys won't pay. Terrible customer service. I had to reach out to them multiple times and received no return. The HR dept at work became involved and someone finally called. After literally weeks went by trying to reach them my claim was quickly denied even though I was hospitalized for two days and had a fairly major surgery. By the way, they won't pay until they receive an itemized bill from the facility you were in. As you know, that often takes months anyway. So the long and short of it is they don't pay and even if they decide to you will be back to work long before they send a check. Their entire ad campaign is a lie. AVOID THIS COMPANY!!!
Reviewed Aug. 19, 2020
Aflac always promise you the moon and stars. When you make a claim, always falls in the wrong category or the clinic or hospital doesn’t apply or any other stupid excuse. Save your money, don’t give it to them. They have the best plans to NOT pay you.
Reviewed Aug. 18, 2020
I have a employer policy with Aflac. I ended up going on short term disability in June 2020 for complications of pregnancy and today now Aug 18, 2020 I have been told that my claim was denied for pre-existing condition.
Reviewed Aug. 18, 2020
I have been a customer of Aflac since 2010. Been filing claims since. On 7/4/20 my daughter was in a car accident and fractured her neck in 3 places, had surgery and rod inserted in spine. Even after submitting Itemized bill (not UB04) due to insurance reasons, physicians notes, police report and operative report, Aflac denied my claim. The auditor says he called hospital and they could not verify her stay from 7/4-7/9/20. He sent a letter through portal that had MY name listed vs hers. I have called numerous of times and submitted a complaint via the portal on 8/3 and have yet to receive a reply or follow up. I have called in 3-5 times daily since 7/27/20 to get updates regarding my claim. I was told on Thursday 8/13 to resubmit. I did and today, 8/17/20, it was assigned back to the same adjuster who denied it yet again, stating hospital stay could not be verified.
I filed an appeal on 8/11/20 and yet to hear from that as well. I believe Aflac failed me as a customer and I have been treated unjust. I have spoken with Supervisor after supervisor who says the same thing. They are not understanding why the claim was not paid with the information provided. There is a number on the itemized bill that I uploaded via portal that says if there are any questions regarding this bill to call the number listed. The auditor did not do that. He called hospital and asked a "Shalonda" to verify dates using MY info and not my daughters. I told the supervisor that and she told me it would be best if I reached out to them to correct. I asked her why should I do that when the auditor would not even accept the fax number I provided to request the information needed before denying my claim. She couldn't give me an answer.
I have submitted numerous of claims over the years, never having any issues. I believe when the amount of the claims are great, Aflac finds any reason to deny LEGIT claims so that they don't have to pay out. I have been deceived and my claim not handled properly. The agent did not do his due diligence in handling my claim. I will be contacting the Insurance rep ** tomorrow for Georgia and let them know Aflac is running a scam. They will take your money, promise to pay in 1 day with proper documentation and then renege when there is a legit payout. They want to transfer your calls to this person and that person after I requested to speak with a supervisor.
My claim should have been paid out giving I have accident and hospital. She was in an accident and a portion should have been paid. I even called the medical records department and they have NO Record of Aflac requesting information. Only all 4 of my request. I had to email the records department to mail the information to Aflac. The rep sent out the very next day 2 weeks ago and Aflac has yet to log mail received. I filed the appeal, now it is a 45 day wait. But when it comes to my payments, they are all on time. And have been for all these years. If my claim is not paid out soon, I will be filing a Civil suit against Aflac for false representation.
Reviewed July 16, 2020
All you need is the facts.. Had Aflac added to main insurance through work. Roughly $20.00 additional charge monthly for coverage. Had 4 years before the accident. Got hit on my Harley.. broken leg and ankle.. Ambulance and surgery $60,000 in medical bills $4,000 out of pocket..Aflac paid me $268.00. That should be enough.
Reviewed June 16, 2020
Had surgery to repair 4 areas of knee where I got hurt in accident at work. Aflac paid me for surgery without repair because of the heading on operative report. It was exploratory surgery because the drs didnt know what was wrong. Instead of reading report to pay correctly, they paid me for what was on heading. Even looking 2nd time they didnt pay me for the repairs to my tendon and other areas. Again went off of the heading of report. 2 weeks later 2nd look was denied. I have 8 pictures showing the surgery, damage, and repairs. The report states in it that areas were torn and repaired. But Aflac protecting their money didnt read the report, only the heading. If anything ever happens seriously to you, do not expect them to pay you. 45 days for me to appeal this. Screw them.
Reviewed June 1, 2020
This company is a rip-off. They will take your money, Show You commercials that say they're there to help you when you're in need to pay bills if you have an Accident Injury or illness and end up in the hospital but when you file a claim no surprise – your claim doesn't fall under any of their subtitles. Don't waste your money with this company. It's a rip-off. They're they're just there to take your money and will never pay out.
Updated review: May 18, 2020
After all the back and forth, I am happy to report that I received my refund.
Original Review: May 5, 2020
I had signed up for a cancer policy 3 years ago. I realized I just didn't need it so cancelled with the Aflac rep one month later. All of a sudden, in 2020, the company starts taking out 15/week out of my paycheck. I called the rep, no response, I called the co, no help, so filed a complaint with BBB. They continue to refuse to reimburse me the $75 they owe me for January thru March 2020 withdrawals and say I never cancelled. So who was paying for the policy for 2017, 2018 and 2019?! Not sure how they can do this but watch out, very shady, very unprofessional, and not willing to admit they made a mistake.
Reviewed April 25, 2020
I got this policy to help out. It I had a problem while working. I had an accident at work and needed a shoulder replacement. It was bad being out of work on Worker's Compensation. Several hundreds of dollars less than my regular paycheck. But I had a Aflac Disability Policy so that will Help Right? No! Not on an at work accident. Also I will let you know that depending on Your Employer they Does have to pay you ANY of your accrued sickness time while off. They can... But they don't have to and are not required to by law. My Employer of almost 10 years did not....
Reviewed April 22, 2020
I purchased four AFLAC policies (two for myself and two for my spouse) in January 2019 when I onboarded with my new company. It has been taken out of my biweekly paycheck like clockwork. I've never had to file a claim until this year. I suffered a torn ACL the first week in March 2020 and found out I had to have surgery. On March 11th, I called AFLAC to file a claim in advance of my surgery, only to find out, I wasn't in the system. They had my old policy from years ago, but not my new ones. They said give them 7 days to get me in the system. I thought, 'No problem. I've never filed a claim before, so that would make sense'.
March 17th: I call AFLAC. I find out I was still not in the system and was told to speak with my company about it, maybe there was a problem on their end? So, I went to my HR dept. My HR rep said she would speak with the AFLAC rep and get it settled. March 19th: I have surgery. March 23rd: I call AFLAC to file my claim. Still not in the system. I email my HR rep, who was shocked that it was still an issue. I was told they were going to get it fixed and I would hear something soon. March 31st: I email again. Same answer. Still waiting on it to get fixed.
April 16th: I left my company on April 13th. I emailed my HR rep again and was told their AFLAC representative had submitted my information and was only waiting on one signature. I was told their AFLAC rep would be in contact that day. One week later, and I still have heard nothing from him. I emailed my old HR rep asking for his contact information. Still waiting. April 22: I contacted AFLAC to see if I was in the system. Nope! I spoke with a rep who had to draft a letter to send to the group insurance organizer to outline the problem. She was nice enough, but I have to wait yet another week to hear anything.
I am extremely disappointed in AFLAC/whoever their rep is for my former company. It should NEVER be a hassle to get benefits YOU'VE paid for. EVER. Thank god I am not in a financial bind like so many people, but I paid for my benefit, and I want my money. I've paid out of pocket over $700 for my surgery copay and subsequent Physical Therapy sessions. At this point, I can't even file a claim because I don't have a policy number!
I will update this review as I go, but right now, I am beyond irritated. Be VERY careful when you sign up. It seems their representatives are hit or miss in their work ethic and job responsibilities. They don't consider the fact that clients come with claims, not just commissions, and it is their duty to make sure they are put into the system from the very beginning.
Reviewed April 22, 2020
I had short term disability with Aflac. They paid nothing for my disability.... They did not approve of my er visit, or my time off... I will never pay for this additional insurance again... Just another scheme to dupe you out of your money! Don’t do it!!!
Reviewed April 18, 2020
I signed up with my employer as an additional benefit without fully understanding what the insurance was for. I had a dental policy and a hospital indemnity policy and a cancer policy. Each time my kids went to the dentist - they would send me $25. One of my kids got xrays - they sent me $50 for that. The checks come in less than 10 days - paper checks straight to your mailbox. It was very easy to file claims online and the money honestly felt like free money because I was not expecting it (even though I know ultimately I had paid into it prior).
The hospital indemnity policy paid me each time I gave birth. I think for regular deliveries you get a basic $200 reimbursement. But my pregnancy had complications, I was in the hospital for a week with treatments and Aflac ended up paying me almost $3000 - which helped me cover the portion of the hospital bill that my insurance didn’t cover - with some left over. It was a bit of a pain to get my hospital records to the Aflac claims department - but as soon as I did - I got a big check signing 10 days. Much less hassle than I would expect for such a big claim. I’ve since started my own business and miss having Aflac coverage already. I will be signing up my business for this insurance as soon as I can afford to. The best testament a a business is a returning customer right? Thanks Aflac for being so easy to use.
Reviewed April 17, 2020
Make sure you ask to sort these reviews by most recent. You will see nothing but a full page of one star reviews and if I could give zero stars, I would. I have had this coverage for 3 years through my employer. This was my first attempt to actually file a claim with them. I will NOT be renewing. My daughter had emergency surgery in 2019. Here is how the timeline for this claim follows - OH and KEEP GOOD NOTES when you deal with them.
Mid-October 2019 - I attempt to complete claim online. Website will not permit me to upload my documents. I call and I am instructed to continue without the documents and then email those separately. Nov 5, 2019 - I was checking on the claim because there was no way to get a status update if this is a group policy through your employer. Ryan tells me that what I provided was not sufficient, I need to send a UV4 form. I try to request one, but all the hospital will send to me is an itemized statement in place of a UV4. I email the form.
Nov 7, 2019 - Letter from Aflac says they need additional information for my Hospital Indemnity claim and required supporting documentation was not provided. Nov 8, 2019 - Another letter from Aflac denying my Accident Claim because it was not an accident. That would because it was a HOSPITAL INDEMNITY CLAIM. Nov 12, 2019 - Another letter. They cannot process without a diagnosis code. Please submit codes with supporting documentation.
Nov 13, 2019 - I speak to Laurie. I will need to have a signed authorization form for Aflac to retrieve the diagnosis code from the hospital and must state in my cover letter to please use the authorization to obtain any documentation needed. The form must be signed in ink by my now adult daughter who lives 4 hours away. Even though I am sending PDF files, they will not accept electronic secured signatures. Off in the mail it goes to my daughter. While I wait for the signed form, Aflac closes the claim.
Dec 16, 2019 - I open a NEW claim and send the same documentation I have in the past along with the additional requested cover letter and release authorization form. Jan 24, 2020 - I call to check on the claim status because it has been over a month and group policyholders cannot have online access to their accounts (you have to call). They still need the diagnosis code. (???) I explain that I know that, which is why I included the additional forms for authorization to allow them to get it from the hospital. Documents are located that I sent and my claim is being sent back to the AUDITOR (remember this, because it shows up again).
Jan 27, 2020 - I get a letter dated for Jan 23 that states the claim is closed because requested documentation was never received and claim was incomplete. To add insult to injury, it further states the submission does not support room and board (they had an itemized bill for everything including lines such as "private telemetry room and care" for a 5 day hospital stay). MOREOVER, it says they made several failed attempts to contact me. (No, they did not).
Feb 6, 2020 - I spoke to Tamika to check the claim status after my call from Jan 24 to verify that the claim did indeed go back to an AUDITOR. I have a note that the last update was on Feb 4 - an email to Lynn, a case manager. I needed to allow more time for the hospital to respond to Aflac's request for documentation. Feb 28, 2020 - I spoke to Garret to check the claim status. He says they are still awaiting the diagnosis code. The hospital wants their own form completed for release of information. He states they are awaiting that to be returned from ME. I tell him that it has not come to me. I verify my email, mailing address and phone number with him. He returns the claim to the AUDITOR.
Apr 1, 2020 - I spoke to Brea at 11:56 am. She states that they are still waiting for me to return the hospital's authorization form. Have I received it? NOPE! I verify my phone, email, and mailing address again with Brea. She returns the claim to the AUDITOR. Have you seen a pattern here yet? The claim has been denied 2 (possibly 3) times for various reasons, and the only time they EVER contact me, is to tell me that the claim is denied for their own oversite or because they need more information - EXCEPT when it comes to sending me this hospital authorization form that I never get. No one emails me. No one calls me. No one sends this form to me.
I am been trying to get this claim paid for 6 months. Those ads on TV about needing your money now? Forget it. We needed this money in January. We probably will not see it until July, if ever. Run as fast as you can. Put the money you would have paid thieves and liars into a bank account for these situations when you actually need it, instead of throwing it away to con artists.
Reviewed March 31, 2020
What a joke. Don't think about it. I got Aflac thru work and the lady was all helpful, then when my kids were hospitalized and we had extra bills, Aflac said you didn't click on staying overnight at the hospital, and claims were denied. They get you a technicality. Completely useless, unless you like to gamble.
Reviewed March 30, 2020
High cost, low, VERY low payout. Was lied to and put off, meanwhile my bills were still coming in, cancelling ASAP, run away people. Run, why would people pay this ridiculous amount for nothing, I'm done.
Reviewed March 20, 2020
When you file a claim they make you jump through many unnecessary hoops hoping you give up. Their agents are good to sign you up and take your money but useless when it comes time to help with a claim. Once you file a claim they begin making request after request for information. I had a heart attack and they claim I didn't. My cardiologist told them I had a heart attack and the ER Doc verified elevated enzymes in my blood. My artery was 95% clogged and I required 2 stents. 3 days in the hospital and NOTHING from Aflac. They denied my claim after I sent them gobs of paper. Do not use aflac unless you wish to give money away.
Reviewed March 16, 2020
My situation has been most unpleasant, being my mom's ONLY next of kin I've had to handle her claims on her behalf; due to an untimely death on Christmas Eve. It is now March and they've yet to get it right, disabling me to grieve. Every time I call back for some clarity I have re-explain the whole painful experience all over. I'm convinced that at Aflac, the right hand doesn't know what the left is doing.
Reviewed Feb. 24, 2020
I've been a member/customer of AFLAC for 19 years. In the past when I needed their service they did assist me financially. Possibly the sign of the times of financial woes, their company has changed & they don't honor claims like they did in the past. I am 71 years old but am still a full-time employee and was paying AFLAC faithfully. In December 2019 I had a total knee replacement & hoped they could assist me but they sent a letter stating I'm past the age limit of 70. I persisted by calling their call center but kept getting instructions to get more medical information & documents. Until it became apparent they were finding more reasons to deny the claim.
If my age is a factor then they should stop taking my payments when I reach that age limit. I felt they were still taking the money but not honoring me as a customer. They said it would have to be a hospital confinement involved, most cases today DON'T involve hospital stays anymore! I want to get the word out to others how AFLAC operates now. They don't treat older people as a valued vested customer. Since, I have canceled the policy & they actually asked me, by letter, to reconsider to stay with them. Along with the knowledge with a hospital stay they will provide payment. I'll save what I was paying them before I reconsider but in all fairness they use to be a good company, thank you.
Reviewed Feb. 24, 2020
I have left several messages for my 'agent' to help me with filing claims and get no response. When I try to enter a claim online I get sucked into an eternal loop asking me to complete steps I have already completed. When you call the helpline it is an hour + wait to talk to someone. I can't even figure out how to cancel my policy!! Would never recommend this BS to anyone.
Reviewed Feb. 24, 2020
My husband had a heart attack Jan 16 2020 and we started our Aflac claim for his rider policy and short term disability on 1/17/2020. We still have no money and have sent them over 300 pages of documentation. They want more. We send it to them and now they are saying they need another 10-14 days to review all the information because we have sent in too much information. So we still sit with 1 income and no money even though we pay our policies on time every month and never miss a payment to them. We have talked to their representatives with chat and over the phone and none of them can give us an answer so they put you on hold for long periods of time and say hold 5 more minutes and then eventually tell us they don't know why it's not getting approved. Very Frustrating. I would not recommend them to anyone.
Reviewed Feb. 12, 2020
Every month I have to call my employer representative to advocate for me regarding my payment!! The people the have working at Aflac group who are responsible for getting your paperwork & sending it to auditor are less than competent!!!! I had my surgery on Nov 2019. I called on 2/7 to make sure they received my Continuing disability form. They told me I needed to know the fax # it was sent from to find it! What a load of crap!! My employer support person called & they found it! It is now 2/12. NO FUNDS HAVE BEEN DEPOSITED IN MY ACCOUNT!!!! I go through this every 41 days!!! The people that are handling our cases are incompetent!!!! After this I will be dropping Aflac!!!
Reviewed Feb. 11, 2020
Paying for Aflac for almost 4 years. Recently had 2 claims where I got injured while working. They denied both claims citing needing more information. I sent every document there was. Just keep getting the run around when calling them. It is absurd. I will never use aflac again and no employees of mine will either. It is a crooked company and if there was a way to get all my payments back I would definitely pursue that as they did not honor their side of the contract. I have no respect for this company that preys on people who get injured and are looking for some help with bills. Should be zero stars.
Reviewed Feb. 10, 2020
I was admitted into the Hospital back at the end of Sept. 2019. I filed my claim in Oct. 2019 an I am still trying to get everything settled and this is Feb. 2020. Every time I call in they keep saying it is under review or they need more information but when I call in to see what they need I’m told that they have everything or they are waiting for some information from my Aflac representatives. When I call my representatives they are not aware of any information that they may need. I am tired of getting the run around. I just want some straight answers or someone who can offer me some information.
Reviewed Feb. 7, 2020
I had Aflac services about 10 years ago and tried to use it. They made it Impossible with what seamed like hundreds of forms to fill out. IN December 2019 when called to for the new 2020 year company health plan I was asked if I want this services not ONLY DID I SAY NOOO I SAID HECK NO NEVER! I am absolutely dreading what kind of NIGHTMARE THIS IS GOING TO ENTAIL to remove this service. AND NOT ONLY THAT WHO OR WHAT DID THEY SHARE MY PERSONAL INFO WITH.
Reviewed Feb. 6, 2020
My husband had an injury at work. He was sent to the emergency room. They suspected a hernia. He was told not to return to work until he saw a workers comp physician and was cleared. It took two weeks for his caseworker to get him and appointment with a physician. The physician examined him and said he could return to work in another two weeks. He was out of work a total of four weeks. I submitted all the claims forms to AFLAC and the claim was denied. They stated that benefits only begin the 15 day of disability.
I called them several times and explained that he was out for 30 days. They said that the physical only put him out of work for two weeks. I then explained that if they review the ER notes, he was out of work for two weeks previous to seeing the physician so in total it was a month. Even his employer stated he was out of work one month.. The representative I spoke with said she understood what I was saying and she would make sure to have this reviewed again... A week later, we got another denial. My husband pays several hundred dollars a month for this coverage and they will not even pay a claim when they are legally obligated to.
Reviewed Feb. 5, 2020
My wife and I were expecting our second child. Her work offered Aflac. We purchased the insurance after asking the agent and then the call center repeatedly that the pregnancy would be covered even in the event the baby came early. When the baby finally decided to make his appearance it was early, under a doctor ordered cesarean. We submitted our claim, to have it denied.
We were told to file an appeal, then months later we were told we didn't file it correctly and needed to do it another way. We did, only to discover that it was never placed into the system. We were told it finally was with notes of our experience. It was denied again. So my wife had to go back to work month earlier than planned because we were not approved after being told everything was fine and "no problem", "you will be paid". Not exactly sure who Aflac protects but it definitely isn't their policyholders.
Reviewed Feb. 4, 2020
We have paid into Aflac for over 6 years. My husband had surgery in mid Nov, we received a partial check because they put the wrong date down (took 1 1/2 months to get that), it is Feb. Still waiting for the rest of the check. Been lied to by Jenny the customer service rep in Wis, then talked to her manager, lied to again, said check was pushed through a week and a half ago. Called claims this morning and check was finally cut yesterday! This is supposed to be insurance to help while you are off not 3 months after surgery and 6 weeks after you have been back to work!!! Completely Dissatisfied!! Will be dropping Aflac as soon as I receive the check!
Reviewed Feb. 2, 2020
Aflac has some great policies. The policies that have have very clear payment Guidelines is the way to go. The short term disability policy is a Joke. Generally takes at least 3 submissions (minimum 6 weeks). The most recent had been 11 submissions. Come to find out the federal government considers stage 4 breast cancer a disability, but apparently aflac does not. It has been a horrible 17 week fight to get my 50 dollar a day payment. I've had all my policy fpr 15 years. The short term disability always proving to be extremely stressful. This lasts 17 weeks fighting for my disability payment, so I can worry just a little less, about how cancer has taken over our lives mentally and physically. this recent short term disability claim has proven to be overwhelming, all consuming, challenging, anxiety fill, chest pain giving, experience.
Aflac's customer service agents pretend to help you fix your claim forms, but I shortly realized its all delay tactics. I definitely like having all my policies but know that aflac won't pay short term disability to a stage 4 cancer patients, I have lost all faith in aflac that they will hold up their end of the bargain to pay your claim. Good luck, you'll need it, as well as tons of time and patience. I've talked with over 20 reps, submitted papers 10 time. Around 100 hours of time with aflac just to be denied again.
Think twice about the short term disability benefits.... They don't consider stage 4 metastatic breast cancer a disability. Good luck! FYI if you request your correspondence, you will be denied, I was informed it is all property of aflac, and if you want copies of your paperwork you will have to have a lawyer subpoena them come aflac. Glad aflac can take their monthly payment, but they will make you fight for your money. Stage 4 breast cancer is hard enough. I thought holding this policy would make it easier.. I had the wool pulled over my eyes! I feel defeated. Every time I see a commercial about how aflac pay for disability it makes me cry, because that has been far from the truth in my situation, the more time spent on them the more my chest pains persist. Good luck to you.
Reviewed Jan. 30, 2020
At the day of signing up for Aflac at Kitchen Farms the representative told me for short-term disability that they pay out if I get hurt at work, if I get hurt at home or any other place. Come to find out after a year later that's not true. They do not pay for work-related injuries on a short-term disability policy. This was never disclosed to me at the day of signing. I was lied to about it. I have called Aflac several different times. I have sent them several different emails. I have been very polite on the phone and corrigible. They have not called me back to resolve this situation. I'm asking for all of my money back that I have been paid them being that I was lied to and gave have them plenty enough opportunity to take care of this. The next step is small claims court. I have found an attorney to take the case. They will pay gas mileage, attorney fees, loss of wages. They only owe me $250 and I'm suing them for 5,000.
Reviewed Jan. 28, 2020
The idea of Aflac sounded great. I got a short term disability to supplement my short term disability through work. I also had accident. I had hip surgery and got denied twice for the claim as they said it was pre-existing. I specifically asked my rep about pre-existing and he stated that I would be covered once my policy started. He didn't mention anything about having to wait 12 months if it was pre-existing. Either he was incompetent or lied to me. To top it off, he no longer works there so it's nothing I can even dispute. What a waste of money-cancelled both policies. Aflac wants to work as hard as they can to get you to sign up and then deny your claim.
Reviewed Jan. 26, 2020
I contracted type B influenza on Christmas day, 2019. I've been off work for 5 weeks. The Aflac computer dashboard wouldn't do a smart claim, so I had to call my local agent. I fulfilled every request they made, and after numerous calls, they said I had all the paperwork in, but the review would take 7 to 10 business days. That will be 6 weeks sick, with no income. Obviously they liked collecting my monthly premiums for 4 years, but don't like to pay out. If I had put that monthly payment in a savings account, I would have had double what my payout will be, and I would not be broke, and behind on bills. Also, their telephone answering system doesn't work. Bad phone service, bad computer program, bad review of claims, bad payout history equals bad customer service.
Reviewed Jan. 24, 2020
I signed up for Aflac disability insurance are the beginning of my employment on 9/4/18. I was diagnosed in a rare autoimmune disease in 2019 and as of 11/11/19 was no longer able to continue to work. My Human Resources person told me everything was paid up and to just contact AFLAC to set up payment to continue, which I did on several occasions. It was very confusing with each representative telling me a different story but finally I talked to someone in December who informed me to send in a payment of 116.16 postmarked by the end of December and there would be no lapse in coverage. I did as asked, filed my disability paperwork and received notice that I was not going to receive my benefit because my coverage lapses on the 10th of January. My claim was submitted on the 10th and payment was sent as told. I never received any notice of cancellation or lack of payment. This is insane as I did everything they told me to.
The representative I spoke with today on the phone was very nice and knowledgeable and apparently while speaking with her it became obvious that there was some other paperwork I should have been sent to fill out that no one ever told me about. And she said it doesn’t show they ever received a payment. This is very sad and I really needed this due to my illness and inability to pay my bills. Needless to say someone at Aflac dropped the ball and now I must suffer the consequences. I will be reporting this to the BBB and would not recommend AFLAC disability insurance to anyone. I always was a big fan of AFLAC and have had it many years in my life. They failed me when I needed them most. Pamela **
Reviewed Jan. 24, 2020
I have had Aflac insurance since 2008. I signed up through employer, but shortly after the company closed and I continued paying for my insurance. I have accident, illness, and cancer policy. I used to have short term disability but it became too expensive. I am not sorry I cancelled it due to the reviews I have seen on others that really need payment. I have never missed a payment in all these years, and only used it for preventative care each year and for a minor surgery years ago. I went for major surgery and had to put several claims through my illness and hospitalization coverage. It has been so painful and difficult to receive payments. They try to deny everything you put in, and there is no such thing as 24 hour payments. I had 2 hospitalizations due to this illness.
I sent them the documentation from my patient portal with admission dates, and they did not accept them, as if they were fraudulent, had to go to the hospital in person to request the actual form they wanted. Still it got denied, stating we do not cover ER visits or labs???? I did not request any such claims, I requested payment for the days of hospitalization. I had major surgery which involved different organ removals and so on. They have a list online of the amount they cover for each. However, they only cover one and not the others.
As I was home trying to recover, I had to continuously call them and leave the house for documentation they needed. If I added up all the years of premiums I am sure the sum is high, but when you need them, they try to nickel and dime you. The one positive thing I have to say about the company is that their associates you reach when you call are very professional and helpful, I actually feel bad for them, can only imagine what they must go through on a daily basis. I did e-mail Aflac in December regarding these issues and have heard nothing from them. If you are thinking of buying a policy or policies, I highly do not recommend it. If you are a business looking for insurance to offer your employees, look somewhere else.
Reviewed Jan. 19, 2020
My Mother purchased Long Term Care Insurance many years ago and never missed a payment. At age 96, upon admission to a Long Term Care Facility, a claim was filed for payment. The claim was immediately denied. Now, 6 months have passed and the last communication we received was a letter dated 11/22/2019 saying AFLAC is still reviewing the claim. We contacted AFLAC two weeks ago and got the same answer. In addition to submissions by my Mother's PCP, and the LTC Facility, we have submitted everything AFLAC requested. I have written the CEO of AFLAC...no answer. I spent at least three hours on the phone last week trying to get through to an agent. The normal wait was over 50 minutes. After I finally got through, there was no solution to the problem. Mother has two other policies with AFLAC....will they pay on them when we need them?
Reviewed Jan. 17, 2020
So I've been employed by the same company for the past 7 years. I've had Aflac since I became full time. I finally had to use my short term disability due to a surgery. I turned all of my paperwork in on Dec. 16, 2019, aside from the part the surgeon filled out. She then faxed her papers on Dec. 17 directly after my surgery. I received one small check and an email from my agent saying to expect the payout. He then told me to let him know if I would still be off, to which I replied that I would be off of work until I returned on Jan. 7, 2020 after I went to my follow up on Jan. 6. He said, and I quote: "Thanks for the info!". So the next week comes, and no email. No money. Nothing. I emailed again to ask why I hadn't received the next payment. I was told that I had to fill out a continuing disability form to get that money. I asked why since I had already turned everything in they asked for.
I couldn't get any information out of my agent, so I went to Aflac themselves and asked through live chat. They informed me that my doctor's paperwork was dated for 1-1-20 as my return to work date, and that it would take 7 more days to process. When I called the Doctor, she informed me that that was ridiculous since she knew what day she had me booked for a follow-up, and that they must have keyed it in wrong. So, seven days came and went and I went back to the chat to see how things were working out. I was told I would be waiting 10-14 more days for one week's payment. The poor agent offered to help me with groceries and penalties incurred due to their lack of payment.
Now, I'm sitting here, 10 back to work and still waiting for money I'm owed from insurance I pay every week. I will be cancelling my account with Aflac as soon as the money I'm owed finally makes it's way to my account. This company is great if you need a way to waste a few bucks a week on shoddy practices and outright lies.
Reviewed Jan. 15, 2020
My husband has been paying for short term disability insurance for quite some time. He had a total knee replacement before Thanksgiving. All documentation was filed. We received one LITTLE check. It is now Jan. 15 and my husband is back at work and we are still waiting for his check. The representative in Easley, South Carolina never answers his calls or emails. The HR person at the company for which he works has stepped in and had not been able to contact her. She is incompetent and does not care about AFLAC'S clients. If we did not have money in savings to cover his missed paychecks, we would be in dire straits right now. He will most likely cancel his policy because of this. The corporate office needs to check into this representative.
Reviewed Jan. 14, 2020
Aflac Sales people call and stop by unannounced one or more times per month. We're a 10 to 20 employee business whose time is valuable. Aflac appears to have no means of removing us from their attack list, despite numerous requests. Disorganized and pesky is probably not the reputation Aflac seeks. No means no. My business will never enroll just because of the sales experience. Please get your act together on this front Aflac!
Reviewed Jan. 14, 2020
I have AFLAC for about 5 months, I had a bad incident resulting in a fall (accident policy) and then Hospitalization with surgery (short term disability). Both claims were filed on the 12th of December and as of this writing a month later no funds. All bills and paperwork have been sent. I called and asked the status. They said they received a lot of claims, then said the copies I faxed to them were dark. If that's the case AFLAC needs to do two things, notify the customers of the delay and ask for different copies. The third..... as I only said two.... get rid of the 'Claims Paid in 24 hours' pitch... It's a LIE. I have been out of work since the 22 of November and still not a dime nor email or phone call.
Reviewed Jan. 13, 2020
I have had Aflac short term disability for going on 3 years. Never had to use it, till I was diagnosed with cancer. I had to have surgery done, which resulted in having top go off work for 2 months. I filed a claim, did what Aflac asked, and only to be told that, "my case is under review for pre-existing condition". The condition started in July, 2019. I had been paying for this insurance for almost 3 years through my job. How can they say pre-existing when I just got cancer in July 2019??? I will never ever recommend Aflac to anyone. I will let my co-workers know also about it. This insurance takes your money, but don't want to pay out when you need it.
Reviewed Jan. 10, 2020
My husband was in ICU for 3 days. He fell off a ladder on 12/21/2019 and Aflac has yet to pay. They paid for the hospital stay but they have not paid for the ICU benefits. I sent over the discharge summary and the itemized bill and nothing still has been paid.
Reviewed Jan. 7, 2020
5+ years ago I purchased 2 Aflac policies through my employer, one of which was an accident policy. I was young and didn’t have any health issues, but I thought, “Eh, you never know. It’s good to have extra coverage. And it’s only $28.** a month.” And, at the time Aflac advertised their product as being useful for “pain and suffering” and “a way to pay your bills when you’re unable to work.” Fortunately, 5 years went by and never had to use the policy. Awesome! Until I did.
In July 2019, I sustained a spinal injury, I had to learn how to walk again and I still am unable to feel my leg or foot. I spent months in PT, having several tests (ie MRI’s), going to many specialists and have an awesome future of multiple surgeries ahead of me. Aflac eventually paid some of my claims, but denied most. The customer service is lousy at best. In total, I believe they paid out somewhere around $1,200 in claims. Which, frankly didn’t help to cover the co-pays for my medical insurance let alone any actual bills. So much for that.
After 5+ years, I paid Aflac about $1,800 in monthly premiums for my Accident policy. In other words, they still made a profit off of me after all is said and done. I guess they got the last laugh. I canceled my plan despite having a spinal surgery scheduled next month. Which, by the way, I was advised by a rep if I kept my policy active they would pay out a whopping $135 if I filed a claim after the surgery—spinal surgery. Really? Thanks Aflac, but I’ll keep my $28 each month. PS, bite me. —It’s not like I can feel my leg anymore anyway.
Reviewed Dec. 27, 2019
11-29-19 I had a heart attack, scary nevertheless but I survived and had a stent installed in the OM artery. Remembered that this really nice lady came to our companies office selling Aflac. As a mid sized company we decided this may be a good benefit. I signed up as well as the majority of our workers signed up. I chose the accident policy and hospital indemnity policy. I have submitted my claim 12-3, had it escalated 12-20, have called every day to check on it and get the same run around from the same call center zombies that say the same thing, "we appreciate your patience but we have no new information to give you."
Today 12-27 I spoke with a supervisor who stated the same recycled response. What is the point of paying into this for years and then when you submit a legit claim it’s is like pulling teeth. Never again will I use Aflac nor recommend them or offer it to my employees. Poor pathetic service from people who could care less that you need them now, never forgetting if you're late on your premium. They are on you like stink on a hog.
Reviewed Dec. 27, 2019
I have a company policy with Aflac for Hospital Indemnity. This has been the longest process of my life... I filed a claim on 12/12/19 for a surgery that I had on 12/4/19. I was supposed to be outpatient but had some minor complications so I had an overnight stay. I informed Aflac that everything was billed under my Or services and that clearly if I was admitted on 12/4/19 at 545am and discharged on 12/5/19 at 440pm clearly I was not in the hallway all that time. They sent me a check for $100 dollars for confinement and that was unacceptable.
We take these policies out to cover ourselves when they are needed, but the company hassles you for all the unnecessary paperwork that we in return submit. I did get the chance to speak with a supervisor that is helping with the claim. I’m not going to stop working on my claim. I have read so many reviews on how people are disappointed and I expected so much more for this company that everyone speaks so highly of.