Aflac Reviews

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!!!!

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.

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.

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.

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.

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.

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.

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.

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.

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!!!

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.

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.

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.

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.

Recently my mom passed on June 28, 2020 and I found her life insurance policy for Alfac. When I tell you this has been the hardest and most difficult grieving period with these people, they are horrible. While I know it's not their fault that my mom has her insurance policy designated to her estate, just trying to get a portion of the money for funeral cost is hell. Most insurance companies will accept what is called a 'working death certificate' to prove proof of death but these people are only willing to accept the actual death certificate. Like how am I supposed to bury my mom.

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.

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.

After all the back and forth, I am happy to report that I received my refund.

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....

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'.

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!!!

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).

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.

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.

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.

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.

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.

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.

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.

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.

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!!!

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.

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.

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.

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.

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 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!

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.

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.

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.

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.

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.

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.

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?

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.

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.

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!

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.

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.

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.

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.

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."

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.

For the past couple of weeks I have attempted to contact Aflac about a reimbursement to my account. I have an auto draft set for the 28th of the month. But last month due to Thanksgiving my monthly payment was taken out 7 business days later. This caused an overdraft fee to occur. When I called to advise and complain, I was told to submit records of the overdraft. After submitting I called to follow up and was told unfortunately Aflac drafted the payment as specified within 3-5 business days then it changed to up to 14 business days. I am so sick of this company. I have been a loyal customer for 3 years and only requesting what is fair. But they clearly could care less about my needs as a customer.

I signed up for Aflac through my employer and filed a claim over 6 months ago and am still fighting with them to get this paid, this company is the biggest joke I have ever dealt with. Every time I call customer service I get a different story as to what it is that they need and I have done most of the work myself. I had to contact the hospital and tell them what Aflac needed and have them send the info to me and then I sent it in. They have had everything that they ask for for well over a month now and they keep telling me they dont. The hospital sent copies of the three fax confirmations that they faxed to AFLAC three different times, yet AFLAC is saying they did not receive anything. I finally started asking for supervisors but that isnt really doing any good either.

Updated on 01/10/2020: As I mentioned in my last review of AFLAC. I have been a customer for over 15 years and have always had good things to say about the company and service that I received in the past. I will say that like everything in life it seems to have changed and not for the better. As of today (1/10/2020) I have not heard absolutely anything from AFLAC with regards to my Appeal which they received on 12/9/2019. Not one letter or email acknowledging receipt. And when I call all I get are the scripted responses from their lackluster Customer Service Reps.

I have AFLAC through my employer and recently submitted reimbursement for a wellness exam. I submitted the paperwork and a check was mailed after providing my direct deposit. Needless to say, the check was never received. The reps that I spoke with never realized the address was wrong until the 8th of complaining of not receiving my check. I've had over 10 conversations with several people who seemingly repeats a similar lie. I've done due diligence by paying the policy but 8 weeks later, no check. When speaking with supervisors, they repeat a similar well rehearsed lie. Just shy 2 months and the check has not be received. Wellness checks typically arrive within 48 hours. Absolutely senseless from beginning to end.

Trying to paying my mother's policy for 7 weeks, on hold from 35 min to over an hour 7 times before I had to hang up. AFLAC is too cheap to hire enough people to answer the telephone. Tried to pay online, not possible without jumping through hoops, asking for information I do not have. All ANY business needs is the account number and TAKE MY MONEY, I seriously doubt there is an epidemic of strangers calling in to pay other people's invoices. 3 emails, ZERO Responses. Now nasty gram letters for not paying it. ** believable. These people are at best business practice challenged, at worst and most probable, just stupid.

I've been paying premiums for three years and never needed to use Aflac until my husband tore his meniscus. We were not able to get in to see the orthopedic doctor right away. It took us over a week. Eventually my husband underwent surgery to repair the tear. Aflac refused our claim because on one of the Drs. diagnosis was arthritis along with the torn meniscus. They denied the claim because they stated that surgery was not needed for arthritis. Secondly denied because my husband was not seen within a 168 hour period of when his accident occurred. First of all Drs. do not operate on arthritis. Secondly the fact that we could not be seen within 164 hours was out of our control. I will be sure to tell everyone in my organization to not waste their money on these premiums. What a scam.

I have been a client for aprox. 13-14 years, lately i have had to have surgery on a broken femur and damaged knee (ACL-meniscus) which is going to have me unable to work for aprox. 5-6 months, my surgery was oct.6, 2019, i am still fighting with the companies claim department which they are constantly are giving me problems in regards to my employer questioning the company,my wages etc..

I've had Aflac since 2017. The first hospitalization policy was cancelled by Aflac and I still haven't gotten the real reason as to the cancellation. The policy was paid monthly via autopay from its inception. They cancelled because the quarterly payment wasn't paid... I had three policies and they were all paid monthly via autopay from my checking account. The other policies were fine, but ironically the cancelled hospitalization policy is no longer offered.

When getting ready to have my second child I called Aflac to make sure everything was good to go on my policy on regards to maternity leave. They were also made aware that I no longer worked at my recent job and that I would be paying out of pocket for insurance. So for 10 months following me not working there you collected money. I then called multiple times to confirm what I had to do to receive maternity leave pay. Each agent said everything was good to go and even gave a date when to expect first check. Well when that date came I was told no I would receive nothing. You guys took my money under the premise that I would receive benefits as promised. You guys were dishonest and have zero integrity. Maternity leave was the main reason I got aflac.

I made Dr appointment - but was not seen within 72 hours of injury, since the pain was not that bad. The day it became unbearable I went to Emergency room and needed surgical repair. AFLAC is denying my claim due to the 72 hour clause. I did not go to urgent care 1) because it was not urgent. 2) I did not have the money for the copay. 3) I did not realize that I had to be seen within 72 hours. I am now unfortunately locked into the insurance - since I have missed Open Enrollment. I am very disheartened.

I've had AFLAC with my job for 3 years now. I don't have anything negative to say about the company, as they have always done what they say they will do for me anyways. I've never had a problem getting my Hospital Indemnity insurance claims paid out. It has been a blessing in disguise as I get sick quite frequently and wind up in the hospital. I find claims get paid out quicker if you email them all the information they need. It also doesn't hurt to send them a little more than what they ask for. If they need a UB 04 send an itemized bill as well. As long as I've submitted everything they need and asked me for I've never had any problems with any of my claims being processed and paid out quickly usually within four days to a week depending on if I fax information or email it to them. The AFLAC representatives are always very helpful and very nice. I've never had any problems with any of them. Keep up the great work AFLAC.

I have filed complaints against Aflac with both the BBB AND CDI. I was out of work for 6 weeks. I had back surgery and have already returned to work for two weeks and NO BENEFITS. I have been lied to... Everyone told me a different story about what happened to all the faxes that had been sent MULTIPLE times. NO ONE there cares that their incompetence causes hardship for thousands of people daily. I TRULY believe they think if they yank me around until I start getting paychecks at work again, I’ll just say, “Forget it! “ and give up. I’m sure they must have one or two decent employees. I’ve just never met, spoken or dealt with them. I’ve dealt with arrogant, condescending, know it alls - who know everything except the TRUE answers to my questions. Beg your human resource department to look into a different supplemental insurance provider. #aflacsucksduck**

It’s been almost 6 weeks since I was in a serious accident limiting my employment to light duty and I have received no payment for short term disability. Been calling and getting lots of different responses, but no deposits. It’s looks like I’ll be released to work before they pay the claim, I hope... This claim was completed by all parties, including employer and physician over 3 weeks ago, but no pay has been made.

I have a policy through my work that covers myself, spouse and children. My 18 month old son was injured severely and required a hospital stay with an MRI. I have been trying to file a claim for 4 days since the accident and cant. Online verification to retrieve my policy number "cant verify my identity". I've called many times and have waited many hours for my call to be hung up on. The online chat puts me in a queue to wait eventually leading to a survey and it disconnecting my chat before ever talking to a representative. I finally got ahold of a live person after waiting on hold for an hour and a half, only to be told I was in the Individual plan department and had to be at the group policy department.

This is such a long story but here we go. I signed up for short term disability 2 years ago through work knowing I would have a baby. I was promised by my agent several times that it would be the easiest process. The agent said I would get 500/week for 6 weeks. So I had a baby on 8/16/19 and faxed all my paperwork in. So I wait and wait and wait and never here anything so I call them and they tell me the amount of my income that was listed on the sheet was way more than what my employer put on the form. They said I wrote that I made 50,000 annually when I signed my policy. This is not true and I would never say I made more than I did.

Claim has been pending for 33 days now. I was diagnose with cancer on 10/16/19. I filed my claim on 10/18/19 once I was release but mind you I had already been in the hospital for 30 days. Make a long story short group claims go through 3 stages filing, Pending for approval, Paid. My claim went through all Three. Then I got the run around which was more documents was need and that my provider had to send them over. Another 2 weeks went by. The provider sent the information. Rep stated, "Your account has went back into review. Please allow 5-7days for the auditor to review it." I give them. 10 days. And my claim has not been touch or worked on.

I am leaving this review because I have been lied to and given the run around regarding my claim. I was told totally different stories from the customer service dept (which gave me more accurate information and I am extremely grateful for) than I was from my agent. My again flat out lied to me and then told me how grateful I should be that so many people where going above and beyond to help me. Well, when she lied to me and then I caught her in that lie is when she was being hateful with me.

I faxed my claim in on November 5, 2019. We have had our policy over 10 years. Whenever I have ever sent in a claim for a CT Scan or MRI for our Hospital Indemnity policy, I never had a problem. This time I sent my medical report as I've always done, however I get 3 letter saying they need an authorization to be able to check the claim. I had no problem with that, so I uploaded the authorization directly on the portal. Today it was still saying that they still needed more information to process the claim, even though I received an email saying they had received my information. So I called and was told through automation that I needed an itemized hospital bill with the procedure code on it. Now where did they think that I received my medical report from?

Their website is absolutely the worst I have ever dealt with. Always down, says to return later only to get the same message. Trying to contact the company by phone is no better, the automated service will ask the same question 5 times before it finally tells you that it will call you back in about an hour. No way to bypass and get a customer service representative.

After years of paying for Aflac I had a baby and had to take short term leave. My employer doesn't pay maternity leave so I thought I'd be able to collect my Aflac to get by on only to find out my Rep hasn't updated my pay in 6 years so it will be based of off what the pay I made at enrollment time is. Therefore I'm at a total loss and could of put what I've paid them for so many years in a savings myself and would be much better off. Was told even if he would of updated it I'd have to wait 10 months for claims. So if you get pregnant and they haven't done their part you have to suffer because pregnancy is only 9 months. Sounds like fraud to me. Canceling mine and my husband's plans as soon as I can and hoping work finds something better! May even look into an attorney!

I got a accident policy at work and I have been paying 24 per month for 3 years. I recently checked my policy on their website and could not find it so I called and was told it was cancelled 3 years ago without my knowledge. I told them that it was still coming out of my paycheck. When I asked for my money back because of their mistake they said they never received the money and will not pay me 860 dollars. I paid for a policy I did not have and they don’t seem to care about my money or even apologize for their mistake. It is not worth hiring a lawyer for the amount of money but I would advise that no one ever get a policy with this incompetent and dishonest company. I think they should be investigated and legal action should be taken by the government and shut down for fraud.

I had Aflac for about 6-7 years. Every claim was a huge hurdle I had to jump through to get the pay out. Also, no matter who I contacted, I would have to call repeatedly (more than 3x/week) to even get a call back, finally leaving a message (after many) stating I would keep calling until she returned my call, which then I did get a response. Now after not having it for a few years, I inquire about something, get no response from the agent I e-mailed, and when I e-mailed corporate, I got no actual information on what I really needed. Awful company, awful customer service, the website is not user friendly and there's no clear direction as to what forms and/or documents you need to file a particular claim.

Aflac was offered on one when I was hired by my employee. I heard it was an insurance for accidents and health supplemental insurance. I pay a lot out of my check every week. Cesar ** from Laguna Hills is assigned to my company and my claim. He does not reply, does not help and doesn't put in your paperwork when asked. He lies about him trying his best to call you back. He is not a good agent. I do not recommend Aflac. Find a better supplemental insurance. He still has not got me paid. It's been 9 weeks since my claim.

Aflac is just a complete joke. Sept 21, 2019 I tore my Achilles playing basketball. I got denied saying tearing my achilles playing basketball is not a accident... OK. I did it on purpose..What a horrible company. I provided all my medical Bills, the doctor's notes and yet I somehow did this on purpose cause if it's not a accident clearly I did it to myself right?? What a complete joke. Save your money. Please do not enroll in this farse of insurance company..

I submitted two claims that were denied because Aflac said they said the policy wasn't effective, even though we've paid premiums since the beginning of the year, and the tests were covered. I have called three times and emailed groupclaimfiling@aflac.com to show proof of the Aflac policy. Nothing has resolved yet. The first time I called the customer number, the lady said that she'll put in a request to do some research to figure out what was happening. The second time I called, another lady said that I should email the documents as pdf to the group claim email address so I can show them the proof that the policy was active. I did that. No response, no return email message.

I had surgery on Oct10th so far I have been told three or 4 different timeframes to expect to hear back from Aflac. It is now Nov8th and the latest I am hearing now is that I should be reviewed Nov 12th still no word on when I will receive payment. Very disappointed in AFLAC at this point.

They TOTALLY misrepresented their cancer insurance when they sold it to me. Never said there were exclusions. Had a cancer claim and it was “excluded”...paid thousands of $ over the years for NOTHING!

My husband has a cancer policy. Whenever I send in a claim they either refuse or take their good old time paying. It takes several tries to get answers and payment. Either they don't know why the claim was not processed and will re-submit. Or they have used the absurd excuse that the claim was denied because the hospital billing page was different than one they had previously looked at. When I call I have been put on hold after 4 PM for hours. Out of stubbornness stayed on till after 7 PM till finally I hung up. Emailed them complaints, which were a waste of time because I am sitting here now on hold.

AFLAC very slow in processing claim and when you call you get the runaround and different people give you different answers. They tell you they have everything and then ask for more and more documents that are not easy to get filled out by physicians. Sure seems like stall tactics so they won't have to pay the claim. Way too much paperwork for the amount of money. I WOULD NOT NOT RECOMMEND AFLAC!!!

Short Term Disability. Had to send fax numerous times. Called and spoke to someone saying the last pages were black. Then she goes on to tell me that Aflac had to let me know right away if something is wrong. I didn't receive an email or call about the clearness of the fax. Sent fax for the 5th time. What I don't get is why did it take over a week for the fax to be seen. After reading the reviews I'm scared and worried. I begged my doctor to send me back to work but human resources won't allow it because of the restrictions. I'm worried. I'm out of money paying into the policy and getting the run around with payment. I have 2 other policies including vision but everywhere I go for vision says they don't accept Aflac. At this point I'm wondering if I need to consult my attorney. Especially with all the false advertisement and feeling like I'm being robbed.

I had my baby 12 weeks premature on September 21st. I did not receive my payout until this past Wednesday (10/30) and I called EVERY DAY. Sometimes multiple times a day, asking what the heck was going on with my claim. I spent my entire maternity leave, but one week, worrying about money, the one thing I thought I wouldn’t have to worry about because I signed up for STD. Boy, was I wrong.

I have been out of work since 9/16/19. Filed a claim online and got 3 letters in the mail on the 23 of October all stating different additional items were required. I’ve sent in all the random request promptly and still have not received any communication regarding my claim. Every time I call the representative on the phone gives me the runaround. Now supposedly they are weeks behind processing disability claims. The purpose of this supplemental insurance is to help with bills when out of work but if it takes another 45 days to have someone even look at my claim how am I supposed to survive. Or even pay the monthly premium to keep Aflac?!

I've had an Aflac policy for over 8 years. Had a surgery 8/23, I filed for my short term disability, hospital benefits etc. On September 30th 2019.. It is now October 31st with no check. I called Afflac to check on the claim. The wait time was over an hour. I couldn't get any help from my rep, whom didn't write the policy but inherited it from another agent. Was told it took 10 days to process. It is well beyond 10 days. Maybe they don't claim what they say or maybe they need to pay Nick Sabban less and get people the money that they claim to help. I'm not rich but, if I lived paycheck to paycheck Afflac would not be a company that does what it claims! Takes too long to get to a human, even when you do they give you false information on processing timelines.. It's a shame.

We have had AFLAC for quite a few years now. We have two children so there are always accidents. Up until last year we had zero problems submitting claims online. We'd get paid in a timely manner. The in December of 2018 AFLAC decided that they had paid us too many claims and told us we could no longer submit any claims online. Even though we had been following their policies and submitting all information to a T. Now every single claim needs so much information it's not even worth it anymore for a claim that would pay $100. I shouldn't have to spend hours for a $100 claim.

I've have a accident and disability policy with AFLAC. When submitting two different claims for my daughter and I, there would always be a different reason it wasn't approved. I'd call and obtain the necessary information needed and resubmit it. After resubmitting it would be another reason. This has happened twice and the process takes 30 days and then the auditor closes it. It's like they don't want to pay for the claims. I'm very detailed and submit what they asked but each rep says something different.

I had major surgery on October 18th 2019. I was hospitalized for 3 days. I sent in 21 pages describing and explaining why the extended hospitalization stay. The claim was immediately denied. We appealed however they are stating that there is a 30 day grace period. Ok well my husband purchased the policy August 24, 2019. I think we well exceeded the grace period. This is my second time being denied by Aflac pertaining hospital indemnity payments once in 2015 as well. He spoke with the HR representatives at work she stated they had large amounts of complaints the company will more than definitely drop the coverage for 2020 and find another better cheaper option. Aflac is WACK!!!! That’s a fact!!!!

I had preventative dental services provided two months ago and still have not received my benefit. Only have received letters from customer support stating that they are implementing new systems and there is increased processing time. TWO MONTHS when it used to be a couple of days! What is going on at AFLAC?

My wife fell 2 weeks after our Aflac went in effect. They have paid everything the say in a day after I send in the paperwork. For years I was skeptical about Aflac. I wish I had done this years ago. I recommend it to anyone.

I have been out of work since September 20 2019 and I an not I am not due to go back until November 20 2019. My issue is I haven't gotten anything from my short term disability yet. I will be lose my medical through my job because I can't pay my share of it. On top of that I can't pay for my car or any of my other bills. I have called Aflac 3 times. One time I waited 54 minutes, one time I waited 1 hour and 18 minutes the 3rd time I got lucky and only had to wait 24 minutes. After all the calls the only thing they could tell me was that the claims department was backed up but they couldn't give me any idea when it will come. Today is 10/26/19 and still nothing. Really upset, I have paid into Aflac for many years.

My mother passed away on October 10th after a long battle with multiple medical issues which had her hospitalized for a while. She kept preaching to me how is something happened to her, there would be $55,000 that would be recoverable to help tie up any of her loose ends and help to get me back into society (I had been her caregiver for 7 years). Once the day came that she passed, I contacted AFLAC to find out what was needed on their end only to find out that her death benefit was only under accidental. I feel that my mom was lied to or tricked by her agent into signing the accidental death knowing it is MUCH less likely for that to occur than natural. In doing so, they collect on it without having to pay out. What I did collect from from her stay was enough to cover her bills and funeral arrangements but afterwards this whole situation has left me and her dog on the verge of homelessness.

Feel like I've been robbed after being sold a policy and lied to by the Aflac agents who dragged their feet with sending in any info. Beware of who you buy this from. Aflac doesn't stop its agents from lying to sell the product or anything they can do to stop them. You deal with two companies with this product. I filed my clam 2 months ago and I'm still waiting on processing. When a Marine corps vet has to get help from outside organizations and explain to them he tried to use the Aflac policy he purchased but they still haven't reviewed the case yet doesn't look good for their company. I feel like I was robbed by Aflac all these years. Aflac as company and the agents they have Rob you may be different but it makes me wonder if that's who they have represent them to the customer then how bad is the rest of the company.

It is funny how Aflac will sell you a accident policy or any policy but be quick to deny you when it comes to claims!!! Very funny but I tried to give aflac a chance after so many bad reviews and so many years but I can honestly say that this time I'm completely done!! No wonder why you don't see the duck commercials anymore.

I lost a kidney to cancer in August of 2019. I filed a claim once I got all required documents together so there wouldn’t be a problem with the claim. I gave them the application form, the ub04 from the hospital, the surgeons notes and the pathology report. I was told claim would be paid between 24 and 48 hours. The first issue was I didn’t give them the addresses of the providers and they couldn’t read the pathologist report. I call them and told them all the addresses were on the 2nd page of their claim application and I resubmitted the pathology report. They told me the pathology didn’t confirm I had cancer. The diagnosis on the pathology report clearly showed “metastatic epithelial myoepithelial carcinoma”. In other words metastatic cancer.

I was in the hospital for stomach pain on 8/14. The hospital admitted me for a week due to my gallbladder having to be taken out. The gallbladder could not get taken out because it was so infected the hospital put me on antibiotics for a week I was a inpatient. The scheduled surgery was 3 weeks later giving the antibiotics time to work and giving my gallbladder time to get the swelling and infection down.

I injured my knee at work on August 20, 2019. I submitted all my paperwork the middle of September, when I went on the website to check my claim status it did not even show that I had a claim submitted. I called Aflac and spoke to representative who told me I was missing a piece of paperwork. I informed him that no the paperwork was all there and to double check which he did, he then came back and stated that yes all the paperwork was there but it was filed in the wrong spot so he would fix it and then submit it.

Updated on 11/14/2019: I posted in mid October. I was told then that there was a two week wait. That they were backed up. I have called numerous times since then. Each time I am given the same answer,10 more days. When I called a week ago I was told they were only up to Sept. 20th claims. That answer was from a supervisor. I asked for his direct number to follow up. When I called him this week he said they are working on claims from Sept. 17th. I asked why they are moving backwards when you told me the 21st last week. He more or less said that I heard him wrong. I am not stupid. I take notes when speaking to these people. Then I was told the usual 10 more days.

I have been out of work for a few months due to a work related injury and have been submitting my continuing disability form once a month without any problems. Claims were processed and paid within 7 days. These last 2 months I have been dealing with a bunch of incompetent lazy individuals. Last month claim it was easier for them to deny the claim twice instead of looking in the system for required statements. Like stated above for months my claims have been processed within 7 days. Now this month they're telling me 28 days before they even review it. Unacceptable. Like I told the representative they receive my premium every month and a few other things. I must say the way Aflac is doing business is unacceptable and disrespectful..

BEWARE OF THIS COMPANY. DON'T BELIEVE THE FALSE, MISLEADING ADVERTISEMENTS ABOUT FAST CLAIM TURNAROUND AND 1 DAY PAY. It is all **. I would go the other way before signing up with this company. They have a grim future ahead of them.

I have a multitude of medical issues. I was placed on FMLA on August 27th 2019 till Sept. 30th 2019 pending next appt because the pain from my disease and a fall. On Sept. 30th 2019 my doctor put me off for the remaining FMLA, which I had to beg her to do as she didn't want me working at all anymore. I know AFLAC pays more than 90 days but I'm not ready to go on disability for life through SSA. I need 8 surgeries as of now. On top of my autoimmune disease. So we filled the continuing disability along with my work. Just so EVERYONE knows... their claims dept is WAY behind like about a month. It's not their fault. I was Salty with them in the beginning before I calmed down and realized they weren't going to/ can't help any faster.

I am disabled as of 10/4/19, faxed my paperwork with doctor's office notes on that Monday 10/7/19 and received my fax confirmation. My local representative called that Wednesday 10/9/19 and verified my paperwork has been received by Aflac. He’s called every couple of days for me to see where they are in processing. He keeps being told it will take up to 20 days to process because the department is backed up on claims. I called today 10/16/19 spoke to a Shamika, she states they received my paperwork as of 10/15/19, which I stated was incorrect and said they had received it as of at least 10/9/19 because that’s what the local representative told me.

In 2017 representatives from this company came to our place a business which is a self employed salon in the city of Orange. We were told that we could get different policies and if we left our place of self employment we could take those with us I signed up for 4 policies, and one of them being disability. I fell and injured by name at my place of self employment later on that year, I went to urgent care, they sent me to physical therapy, I ended up having to go to orthopedic surgeon which I did have to have knee surgery done which was July of 2019.

I was admitted in the hospital for a stroke. Spent several days in the hospital. Long story short I've given up hope of getting paid for my critical illness. They paid me 3 days but giving me the runaround for 1000 for being admitted..

On 7/9/2019, Aflac insurance, along with their representatives including but not limited to ** District Sales Coordinator, An Authorized Representative of Everwell Aflac Los Angeles - North, WellWorks Employee Benefits, 4500 Park Granada Blvd. #202, Calabasas, CA 91302, CA License #**, **, along with their associates attended the company I work for offering benefits. In particular they were offering their maternal packages, and used manipulative and fraudulent sales tactics in order to influence me to sign up with their program. The party informed me that when I have a baby, that Aflac would cover my pay for maternity leave, along with coverage of my hospital stay.

Your IVR will not except my SSN number, and just keeps repeating itself. Hold times are excessive 50 minute wait times but if you want to buy insurance they answer right away. This is my first experience trying to use the website or call in after purchasing 4 policies. I didn't even want to give it 1 star.

I put in a claim back in APRIL 2019. It’s October. I have yet to have my claim settled. The ONLY excuse that I keep getting is that the hospital have not sent over my medical records! What do I pay AFLAC for if I have to do all the footwork? I am so frustrated that I cancelled my previous insurance to get AFLAC! I have had a representative contact me and still no help! He DOES NOT contact me unless I reach out FIRST! And STILL NO RESOLVE! I’m am beyond frustrated! Just like they took their money out of my account when my bill was due PUT MONEY IN my account when it’s time to pay for my claim!

I’ve been with Aflac since 2013 and this is the first time that I’ve ever got The runaround and lies from customer service reps. I submitted my claim on September 16, 2019 and it still hasn’t been reviewed. I was also told that the claims were processed in the order it was received. I called today and a rep told me that they are working on claims from Sept. 19, 2019 so I’m very confused at this point as to why my claim has been skipped over... I was given a day of Oct. 1st for review and now they are telling me to allow 20 business days.

I have carried an Aflac Cancer policy for years and felt very confident I was in good hands if ever I was diagnosed with the dreaded cancer. Well I had breast cancer surgery in September and have been trying since to file a claim. I have gone on-line, faxed all the necessary paperwork and even mailed a signed claim and all my account shows is "pending additional documentation". No mention that they received faxed info on doctors, biopsy report, surgery report, doctor's names and phone numbers and addressed, etc. I feel they just keep stalling hoping they won't have to pay or we cancer patients will drop dead and they get off the hook. Never been so frustrated or disappointed in my life. All that wonderful promoting of AFLAC on television is empty promises.

We have been dealing with these people for one month for a claim for my husband’s cataract surgery! Still NO payment! We have faxed all the documents they asked for! I have even talked to a "supervisor"! Which she told me to ignore their last request and our claim should be reviewed by September 25, 2019! That date is gone! We have talked to the sales representative, but it is a different story each time! When I called today they could not find our claim! They need to change their ads! I don’t know where to turn next! Just need our money! Tonight when I tried to talk to a “live person “ it was a 2 hour and 59 minute to 3 hour and 40 minute wait!

I called my Aflac representative multiple times before my surgery to confirm what she previously told about the timeframe in which I would be paid. Every time I spoke with her she told me I would have the money within 4 days after surgery. I had neck surgery on September 18th and when I called her the following week she told me the claims department was really behind and that they won't be able to "review" my claim until the end of the next week which will be around October 11th. I told her that was disappointing and will put me in a financial bind and she had nothing to say. I'm going to let them pay me, and then I will cancel this policy purely because of the lies. I refuse to give my money to a company that does business like this.

Been with Aflac since April 2013. Called today for a question about my policy and a Value Rider claim. Was told wait time would be an hour and a half, so they'd call me back. Two hours later received a call, only to be told to hold. Ten minutes holding then told, I have to be redirected to another representative "please hold". Five minutes later 2nd rep picks up and tells me I need to be redirected AGAIN. I am writing this post as my wait time hits two hours and five minutes waiting for 3rd representative. Worst customer service experience ever. To be continued...

My grandmother passed away in May of this year from cancer. She had a policy thru AFLAC. I submitted a claim four months ago and have yet to receive her payout. I have reached out to the company on several occasions and have been repeatedly told that the legal department will process it in 24-48 hours. It’s been months. Now I can’t even get a hold of anyone at the company.

Dental coverage is not as advertised. For a company that touts 1 day payment I have submitted a form over three weeks ago and was lied to by the CSR 10 days ago that it would be processed on 10/1 and now it has been pushed to 10/10. When I began a relationship with the company through my employer before I added it to my business it took approximately 1 week to get a claim processed and approved.

I had surgery 8/12/19 and have not received any money for my short term disability. I should have known better, Aflac was recommended by a co-worker back in April 2019. I signed up for direct deposit payments. I checked with my agent Because I did not see any payment being withdrawn, he assured me that he was forwarding my payments to Aflac. When I signed up, I gave him a voided check and thought everything was fine. Fast forward to my short term disability claim and I get these letters demanding payment. News flash, I'm recovering from surgery waiting on money from Aflac!!! I had my doctor, employer and myself forward all documents and thought everything was fine. I finally get word that the little bit of sick pay I received Aflac requested for premiums. The premiums were never paid on my policy.

My Aflac supplement payout was disappointing. 25% vs 100%. They do not consider open heart surgery being out of work for 8-12 weeks a critical problem payout 25%. But a heart attack out of work usually 2-4 weeks 100% payout. Wow. What gives?

Aflac offers supplemental accident insurance that helps with what your health insurance plan might not cover. We pay cash benefits directly to you (unless assigned otherwise) to be used however you choose. All false advertising from AFLAC!! I have the accident Ins and due to a fall at home had to have shoulder surgery July 5th, 2019 and still have not seen a dime from AFLAC!! I filled out all the forms required, submitted everything required and get nothing but a runaround. Made several phone calls and no one calls back. Constantly having to resend them documents that they say they never get yet e-mails with attachments were delivered. Still waiting for my loss of salary from surgery and now unable to continued Physical Therapy cause AFLAC is incompetent in paying claims filed. Do not buy their Ins. It is nothing but a rip off.

My husband has been out of work since June bought this policy from Aflac. All medical records have been received. We have bills to pay & still they have not paid. They use every excuse not to pay. Now they have gotten the primary doctors records but they are prolonging it asking for this busy doctor to fill out a 1 page questionnaire trying to see if it is pre existing condition for an excuse of why not processed. He has paid his premiums each month & unfortunately they do not live up to their word of being there for you. I have called 4 times & every time I get recording there is a 40 to 50 minute wait time that should tell you something. They are lot of customers in your same situations. I spoke with a Cortney. Asked to speak with supervisor Zack. Still no call back on my claim #**. I have filed complaint with Better Business Bureau. Please think twice before dealing with Aflac is real joke.

Can't get them to pay on a claim. 6 times myself and Aflac agent has sent the authorization form but they say, "We don't have it." Then you talk to a different person and they say, "Yes we do have it and you are good to go." Then the claim isn't paid because they don't have two forms. This is going on for weeks. When your own Aflac agent has hell with filing then the company is not worth being with. Stay away from them. Their goal is not to pay on legitimate claims.

This company is the worst insurance company I have ever had a policy with. They could not find my policy or any records for ever talking to me. I did auto pay but they still could not find me in their file. DO NOT USE THIS COMPANY.

If I could give Aflac a 0 rating.... I would! My husband had a sudden massive stroke in July. He was in intensive care, ICU and then transferred to the physical therapy unit. He was in the hospital for a total of three (3) weeks. Aflac denied his claim stating.... it was pre-existing!!!! I am so upset. Folks, do not waste your money on this company who will do anything and everything in their power to deny your claim! Save your money and put it in a jar at home!

In short this company will not direct deposit my approved payment. All needed paperwork was overnighted before my surgery August 19. Direct Deposit was also pre set up. Now a check that was mailed is lost and a stop was put on it by me. Now there is more waiting for another review to see if I can have a check re-issued. They refuse to direct deposit any money. My local agent who is new to me bounced me to his assistant immediately and many emails and calls were not returned. Now his assistant has left and another replacement has started and sounds clueless on how to help.

I unfortunately needed to use my short term disability policy from Aflac to be absolutely 100% completely disgusted by. I have been out of work for over a month and still am weeks away from my claim even being reviewed. Because of this my medical insurance policy cannot be paid and you know all the regular stuff the commercials and internet ads claim isn't getting paid either. They claim to make your experience during the time they acknowledge stuff stress free and get you your money when you need it for everyday life (you know like the million commercials they run say) but from my own personal experience and thousands more I have now read about is false. This company should be closed down and not allowed to operate under the presumption that they will do anything the same day, the next day, within 4 days and as far as seen and read ever. It is complete false advertising.

Had taken my child to the dentist for a check up and cleaning. They have the claim for over three weeks and still have not Reviewed it. Numerous calls and all we get is it should be reviewed In the next week.

I have had Aflac for 2 years. I pay them 1200 a year for accidental insurance and short term. In June of this I had to emergency at the hospital where I had to have emergency surgery for a tear and blood which was caused by me picking up the end of a small porch Door but anyways. I was out of work for 3 weeks for that injury. Aflac paid me 150 dollars and that's it and denied my accidental insurance claim and then said my accident happen before I had aflac accidental in which didn't cause I have aflac since 2017. The accident happened June 2019 and they denied me. They are joke. I will not ever refer anyone to this company.

I was diagnosed with colon cancer on 7/5/2019. I had to get colon resection surgery. I filed my claim before I had my surgery on 09/03/2019. I was at home. I decided to call 3 days after coming home from surgery approximately 09/13/2019 I was informed they did not get the pathology report with my doctor's information and my forms. I emailed it that same day they told my on 09/18/2019 they would have a answer. I called on 09/19/2019 and was told my claim was denied because my pathology report did not have the word malignant on it even though it had the terminology cancer. I was told I could appeal their decision. Which I'm going to do.

Aflac is the worst the way they have handled my claim. It has been the worst experience with them. I have filed my claimed on August first and until date they have just been giving me all the ** and run around. My employer and physician has filled out the form that I am off work duties effective August first 2019. I have submitted all my w2, my last paycheck, my initial visit to MD and the follow up with the date my doctor put me off from work explaining my diagnosis and symptoms even to the extent why he can't even put me on light duty.

I submitted a claim on Tuesday September 10, 2019. The portal never sent me an email to let me know that I needed more information for my claim. On Thursday September 12th, I called customer service to find out what the hold up on my claim was and that's when I found out more information was needed. I submitted it right then online and still have been waiting for my claim to be processed.

I filed a short term disability claim over a month ago. Received the same lie. Did not receive part C of paperwork. Faxed same paperwork three times, past two weeks have called six times. Told me that claim was approved. Funds will be deposited in my account within 24 hours. Going into third week same lie. Funds will be deposited in 24 hours. I will NOT be using this scam Aflac for any type of service again. All complaints need to contact 60 minutes on this company.

I filed 2 claims and both are saying more documentation is needed so I called both of the doctor offices to see if they have been in contact to get more information that is needed and they both told me no. This is the first time this has happen and I have been with them since 2012 except one of my surgeries got denied because they said is was a prior condition and that was in 2017 and I had cyst in 2012 and still had them in 2017 just more so that claim got denied in 03/27/2017.

Have only had the policy since the beginning of the year. Just this past week both my son and wife got injured - one at work and one while volunteering on his fire department. Both claims are being dragged out with the need for more and more paperwork. I sent them a permission form that would allow them to talk to anyone to get the information that they needed (the form was the only one I could find to download from the website) only to be told it is the wrong one and needed to fill out another one. This only happened after multiple phone calls and being told twice that all my paperwork was in but it was taking time to review. I have now been sent the "right" form that I will again fill out and see what they do. Listen to all the other negative comments on this forum as they are all saying the same thing - If you are going to cost Aflac money they will not pay your claim!

I have been out of work since 6/7/2019 from a work injury. I’m having a lot of trouble recovering from my injury and was involved in a MVA shorty after my injury. My pay from work was only a fraction of what I normally make so I have AFLAC to supplement. On September 3, my physician faxed over my continuous disability form to AFLAC, on September 9 there was no word on if AFLAC received the requests and my paperwork was never acknowledged through the automated services. Today September 10 a representative told me that AFLAC does have my requests that was sent twice, but it’s not going to be reviewed until September 18th. So it’s taking them over 3 weeks to review my paperwork where in the past it was 7 days to review. So much for my SUPPLEMENT income!!!!

I suffer from PTSD. It's not combat PTSD, it is brought on by severe abuse. I almost died in 2016 but was able to obtain therapy and restarted my life in Colorado. I had a triggered PTSD episode on 8/6/2019 and was denied because it is not an illness. HOW DID THE BRAIN GET DETACHED FROM THE BODY?!?! Work triggered me, made me sick, I almost died and now I have to go back to work because I cannot live without money.

My 82 year old mother paid 35/mo for 30 years to this company. She died this summer from lung cancer and mouth/throat cancer. She had one infusion treatment hoping to slow the tumors down growing at a rapid pace. AFLAC is refusing to pay all of her claims as they proclaim they do not pay for non-chemo treatments. They could sure take all my mother's payments for 30 years but when it comes time to pay her, forget it. I would guarantee that the original documents my mother signed 30 years ago did not specify infusion treatments as being a non-paid treatment. I am taking this company to court and splashing their business all over social media as a fraudulent company. PLEASE DO NOT DO BUSINESS WITH THIS COMPANY... Rena'e ** for Jonel **

I was struck by a vehicle on 8/7/19. It is now 9/2/19 & I've been told that someone MAY review my case. No exact date of review just a possible date. I sent all requested paperwork to my agent & she submitted it the same day she received it. I contacted Aflac a few times & I keep getting the runaround. All my payments were made on time, but I can't get the help I need to pay my bills. My rent is due on the 1st. I was not able to pay it. I have been on hold for the past 45 minutes. This is ridiculous. I don't recommend Aflac to anyone. When I am able to return to work I will let all of my coworkers know they should cancel their policies with this horrible, disreputable company.

We have had 3 different policies with this company. We have been with them since 2008. We did not utilize this insurance til June 2014 when our daughter was in a accident. She was in ICU for days and in hospital for weeks. They paid that claim. We have a family of 5 kids and myself and my wife. Kids play numerous sports and of course there is a lot of injuries. They were great at processing claims until 2018. In March 2018 our son was killed in a accident and they processed that claim, no problem. In the 10 plus years never once has this company required us to sign an auto form to obtain records. In Aug of 2018 they started scrutinizing every claim we have submitted. Denials after denials. Then they processed some claims in early 2019, without any questions.

Have had Aflac for years. Had knee surgery. Have heard one excuse to the next. Have not been paid since June. Would never recommend. This company put what you pay for your premium which I pay a nice sum put it in the bank so you have access.

This is the worst company ever. You pay for insurance just in case you need it and when it's time to file a claim they're going to deny you. I'll give you the runaround telling you the policy you have is not the one they have on file but they have been cutting money. How to check. Overcharging you 4 coverage you didn't even take out. If you take out short-term disability they got to tell you you took app accidental insurance. Aflac's it's a fraud and a ripoff. Don't waste your money. I had to get a lawyer just for them to refund me what they overcharged me.

I have been a AFLAC policy holder for several years. I was diagnosed with Cancer in 2015 and was extremely please with the service until this year. This past year we had a agent change and my claims have become more and more difficult to get approved. I am currently having to resubmit a claim for a 3rd time for review. It is obvious with this claim that it was a result of my prior cancer diagnosis. However every time I submit paperwork that they request, they continue to request more. I have submitted over 100 pages of information for this one claim and still can't get it resolved. I had to call and request the denial letter with no explanation as to why they didn't mail it out. I hoping that this will be resolved and that maybe this is a 1 time incident.

A board fell onto my foot, fracturing it. I filed claim with Aflac with my avs. Each time I called I received different info on status. I have received 3 review dates, each date is pushed further back. Total bummer, I've been in a boot unable to work. The funds I pay into Aflac for my family could be placed in a savings account for times like this. Aflac is very misleading. The rep was very rude. It's not what you say it's how you say it. My claim still hasn't been reviewed.

I been waiting for two weeks for them to process my operative report for my rotator cuff surgery. Every time you call you get a different story. I had this policy for 18 yrs and they are just getting worse with representative's answers. I'm ready to go BBB about them due to they like to take your money. But, don't like to pay.

I am not happy with my claims process. Every time I call I get something different. I really need the funds right now. But feel like I am getting the runaround. I have been working on this claim now for two weeks. Each time. I am told something different. I requested a supervisor but one was not given. Once told someone will call me back in 48 Hours.

Aflac is giving me an ulcer and if I get sick from this they would not pay. I have submitted 10 claims 5 for my daughter. 3 my son. 2 mines. Family accident from hit and run. Severe injuries and aflac paid my sons and mines. My daughter they refuse till this day even though accident on same day, same doctor, same hospital, different injuries. They kept saying unable to verify services with the provider but only 5 different occasions the provider called in and verified services they still refused. After that I had slip and fall accident in shower and denied claims for same reasons. Again provider called in. I'm so tired of the aggravation that I decided to change to different Supplemental Insurance Company. Also managers refused to assist me. I didn't deserve or my children the treatment that aflac gave us. Appeal a joke. So disappointed. T. **

Aflac called me and asked me about accidental Ins - it seemed like a good idea so I told the woman I would be interested maybe but needed to talk to my husband. We had it all set up and when we three way called my husband for his approval (by law they needed to record the conversation because I’m not on the account). During the call my husband informed me and the Aflac agent that we are not in need of accidental insurance as we already have a policy in place through his employer. The agent at that time notified us she would cancel the policy and she thanked us for our time.

It never fails, they always find an excuse why they won’t process a claim. No matter the surgery, procedure, anything... They deny anything. Their representatives lie to you over and over and then when you back them into a corner, they avoid your calls and emails so they don’t have to admit they lied.

Hello, My name is Kayla ** and I am here to advise you not to waste your time or money on opening an account with Aflac. If I could I would have their entire organization shut down for fraud. This company took thousands of dollars from me and never gave me the pay-out I was promised and then their agent that no longer works for their company "surprise surprise" forged my signature and they had the audacity to not issue a refund or apologize. The worst part about this situation is that I have half a mind to sue this company for fraud and forgery. The only thing stopping me is the fact of even expending another breath for them or spending more money and resources on their pathetic excuse for a helpful company or service. I spent over a year fighting with them over this issue when the issue was caused originally by their agents and staff.

Before 2019 Aflac was great. Now it seems they’ve been denying every claim immediately and you have to fight with them to get it paid out. I don’t pay for supplemental insurance to get a headache every time I have to file a claim. I had surgery in early July and they’ve denied it 4 times now. Even got the representative involved and that is no help either. Once the renewal period is up, I will not be continuing to pay for this hassle.

I have had Aflac since 2008 when I had my daughter. They were great. She's 10 now. Back issues, Since May I have been going back and forth with them. They paid me a portion but not the remaining. I have called, and called, and called. Requested for a supervisor to contact me. It's been a week as of today 08/02/2019. And still no call. I call 3xs a week. Every call I am getting something different. Each letter that I get it's telling me to fill out forms. I have mailed the forms 2xs, and have faxed them numerous times.. The agent filled my paper work out but entered it in wrong, and didnt do something else correctly. And I am being treated as if I did it. He even sent a letter explaining his error!

I have had surgery in doctor’s offices, and Aflac has denied every one stating that these are physicians’ offices. This insurance is a scam. Surgery is surgery no matter where you are. The hospital is a hospital, no matter whose office it is. What a scam!

AFLAC was an excellent company 15 years ago when my wife went through breast cancer. All claims were paid promptly then without endless silly documentation requests. I came down with cancer last year. Every single claim has been met with silly additional documentation requests, over and above what is stated as required. No matter how much documentation we send in with a request, even though it meets every requirement, they now continuously continuously pile on more and more silly agonizing requests for additional information. I am being treated with the immunotherapy drugs ** and ** (**), produced by Bristol-Myers Squibb. They have their own websites explaining exactly how they work, and there are volumes of detailed info available online from multiple sources online of how immunotherapy drugs work. AFLAC knows the answers to their question.

Wife bought cancer insurance and got cancer 2 years later. The way it was explained to her prior to purchase was that for each month she had to take cancer drugs she would get a payment for each drug for each month. We didn't read the contract because we trust people unless they give us a reason not to. We have military veteran insurance through Tricare. It is cheaper for us and you as tax payers if they mail our meds to us. When they do they send them for three months.

I have 3 policies through my employer that started on Jan 1st 2019. I automatically pay for these policies through my paycheck. When trying to log onto the web site and then calling Aflac acknowledges I have the policies but say they are not active. I have tried calling but they don't answer. I have called 3 time with a wait time of more than 30 mins before I hang up.

Long, long, long waiting time for customer service. I have been on hold for 1 hour now. When I pressed the button to get a quote, a representative answered in seconds. I keep getting letters as if I have a chance current policy. I just want my money back.

I have had the family accident policy for about four years now, and it has been the biggest blessing! As much as I would rather not have to use it, I have 4 kids and accidents are pretty common around our house. I have filed claims on 3 of my kids, on myself and my husband. It has been easy, and quick every time! I am so glad I made the decision to insure my family with AFLAC.

My husband had a stroke in 2000. He had had Aflac for over a year through his job. They said because he had his stroke at home they owed no benefits. They gave me a run around for months before that decision. I'm the wife and we were going through so much at the time. My husband was hospitalized for 30 days. They were rude. I found Aflac to be a con. My husband ended up on disability. Took him 5 years to get it. The worse time of our life. They could have helped us so much! We didn't get one dime! They suck! Read all of the information carefully. Know what they pay. Because for us it was $0. Barbara **

I had an accident, went to urgent care. My doctor from urgent care, my primary doctor, and my surgeon all gave me the same diagnosis. Aflac made up a diagnosis and denied my claim. Aflac said it was not caused by an accident, my 3 doctors outlined the accident in writing. Aflac will be happy to sell you insurance, but when an unfortunate event happens and you are out of work they are the last company you can count on. Aflac sells SDI as well, they said IF they were to pay on the SDI I would get $43 a day, worthless. I make 90-120k a year in my field. If I was not in such a good position financially I would have depended on this terrible, immoral, cheating insurance company. Thank goodness we save money because Aflac insurance is the worst product I have ever purchased EVER. Stick with your state SDI, it's way easier to file a claim and they pay way more.

I purchase a long term care policy thru AFLAC in 1995. I moved to a licensed assisted living facility after being in a nursing home for about three and half after a fall where I lost my ability to walk. I am given different reasons why they are refusing to pay on the policy even though I need help with 4 assisted daily. In addition to denying me benefits since March 2018 they have not allowed me to purchase the nationwide the one time in 2000. Even though I have been paying for the inflation since 1995.

I've had this service for 5 years. I had a major surgery on 6/4, submitted the requested documentation, to only be told that, they need more documentation. Each time I call to follow up, they tell me I need more documentation. I've never had to use the benefits until now and it's very discouraging that my claim won't be paid until 7/8. So much for a peace of mind.

I have had bad experiences with this company! They don’t hold true to their word. I feel like they will tell you anything to get you to sign up and then when you submit your claim they make up excuses so they don’t have to pay out.

Had a 95,000 dollar surgery done on arteries and hospital stay in ICU. Turned in paperwork as asked and 1 month later they got off their lazy bottoms to review and lo and behold not approved. In some aspect I feel like I deserved it because people all around me and even employees at the hospital said Aflac is a joke. I hope the slob that determines the approval sleeps good knowing that they are involved in a legal fraud that takes food out of children's mouths by taking money weekly out off my check as they laugh knowing that they just sold me a b.s. piece of paper. I wish I would have listened and I hope you do as a consumer and don't buy into the fake reviews that the company paid their employees saying how great Aflac is because we are being scammed people. There's a reason that stupid duck ain't on every commercial anymore.

Any time that I have an accident there is always an issue with AFLAC as to why they are not able to pay out my claim. First they want a UB04 form then I submitted a UB04 form then they say they didn’t receive it! One customer service rep will tell me, “Ok you are good to go, you will be paid out tomorrow,” then the next customer service rep will tell me, no they need UB04 - WASTE OF MONEY! They string you along until your file expires and then you have to start the entire process all over again. DON’T DO IT - SAVE YOUR MONEY!!!!

I had surgery on May 13, 2019 for a hernia and thought I was going home but Dr had me stay. I check into the hospital at 11:11 AM on May 13, 2019 and did not go home till May 14, 2019 at 4:27 pm. I was told if I was in the hospital for over 24 hrs that I will get $1,000 dollars for admission. They did not say it how it will be billed. I even called Aflac and the rep told me. I put in claim and they denied the first, then I talk to Joseph and he looked at it and said I should get the $1000 dollars too. But when they sent over they try give me a 100 for being confined. I think this company needs to be looked at and I will be contacting BBB for the act of this company, they give false insurance. Oh I will be telling my employer we should go with another company because Aflac is a horrible insurance and a scam to take your money.

I'm married with 6 kids 4 being boys always getting hurt. I submitted claims and after 1 year they flagged me and now request a UB04. I've waited 2 months to get paid on some claims. I turned everything they have asked always. My Aflac rep told me in 20+ years he's work for them he has never seen that. Specially since their main speech when pitching their services is you (could) make a claim everyday 365 days a year. Of course I don't do that but with 6 kids they do get hurt often. Been round and round with them. It's ridiculous!!!! And really getting old. They take their money every month yet I have to fight for mine.

Constantly fighting Aflac and orthopedic doctor's office. I haven't been released back to work. I need both knees replaced after I get clearance from cardiologist. I haven't received a check for 3 months.

My company offered Aflac and it sounded like a good idea so I signed up for surgical, hospital, disability and cancer. After my surgery for ovary removal (as recommended due to sibling history of ovarian cancer), they said I was not covered. Oh well, I dropped everything but kept the cancer coverage, since I had a 'return of premium rider' on it. (page 26 of policy). After my 6th year, I called the company 800 number and was told which form to fill out and the exact wording to put on the form, so I could receive my percentage of the premium. I received a nondescript letter from the company stating that I would not receive any money back. I again called the help desk, who again stated that I should receive the money return and the agent stated he put a note in the account to verify this.

I have had this insurance for accidental and cancer for my policies, for several years. I haven't had any trouble with them until just recently. I have been waiting a month to hear back regarding a claim for my husband. My premium is paid directly so there should be no issue there. But they have been reviewing a claim for over a month...

Do NOT get in any hurry trying to get a cancer claim paid out, as they take their sweet time in deciding when to get it done. It took us over a month to get my husband's done last year. I submitted the "Cancer Annual Care" form on May 20th and was told that it would be paid by the end of this week, I just called and was told it was set to begin processing on June 11th. This is absolutely ludicrous. We have the same doctor the original claim was made with, but they have to assign someone to "make sure it is legitimate". I call BS on this!!

I signed up for Aflac in December of 2018, with an effective date of 1/1/19. On 1/2/19, I was diagnosed with breast cancer. I subsequently had surgery the end of January. 5 months ago. I just spoke to multiple customer service reps and was supposed to get a call back from a supervisor, which of course didn't happen, and not one person can tell me why my claim from 5 months ago is STILL in 'team review status'. My agent is AWOL most of the time as well. I am beyond frustrated. It's bad enough I'm dealing with cancer and all that entails, but to be lead on the way I have been is just terrible.

Avoid this company! Their short term disability is a farce. “Not approved” is their favorite phrase. Any way they can deny or delay a claim and they will do it. Customer service is the worst! You’ll be put on hold forever while the reps meet in the coffee room for laughs. Have to keep the suckers $$$ coming in to pay for all that false advertising. Aflac’s mascot is a perfect fit...

I've had the Aflac Cancer Policy for several years and it's set up to auto draft from my bank account. Last year they just stopped withdrawing from account and terminated my policy. Same this year, took January payment, then no payments after. Luckily I logged in to my policy to take a look and realized it had been terminated. (Albeit several months later) Emailed Customer Service. Apparently I need to look at it every month to verify if my coverage is still in effect. How bad would it be to get Cancer and believe you have the policy, only to realize they terminated because they stopped taking the money for it? Apparently you cannot count on them to take the money out, and it was there. Wow, what a bunch of BS!

I paid for services from June 2018 - May 2019 and never received my critical care policy. I ask the Aflac rep about my policy and he assured me it was taken care of.. Well Aflac was taken care of while charging for a product I never received. I have talked to seven group representatives from Aflac and none of their promises have been kept but they sure did take my money 17 payments.

So I get this insurance from their reps who apparently lie to get people to buy their coverage stating that all this stuff is covered when it obviously is not. I had an injury a year ago and was treated for it. Signed up for their "coverage" and 2 months later I started having intense pain that radiated and was a lot worse than before. I had another ** shot that did nothing, so my ortho ordered an MRI and EMG and it was determined that I had a whole other issue that had developed after lifting weights that required surgery. It was a whole new diagnosis that was pinching off my ulnar nerve, my hand was going to sleep and I had to have surgery. Because I couldn't pinpoint an exact date of injury as it was a gradual pain that intensified, I am being denied because that state that it was not an accident.

In November 2018 a salesman came to my EMS job. They were sweet and even keel. The way he sold it to most of us at work was, "Accident Insurance is covered with Aflac. It's to put money in your pocket when other insurance won't. I have a gal I sold insurance to that's on a ski team. All winter long she goes to the chiropractor, she makes $120/day off of the Aflac insurance."

Just Know that State Farm and Cigna has the same thing Aflac has. Aflac has had my claims since Feb 27th, another since April 2019. We're approaching June and all they keep telling me is they're 'STILL' Reviewing, meanwhile you're unable to speak with the audit team. I suffered a miscarriage in Feb 26, 2019, signed up with Aflac Open Enrollment Nov 2018. Couldn't have known I was pregnant in February until the baby died.

I purchased a short term disability insurance policy from Aflac to pay me a certain amount each month while I was out. They paid my benefit the first 3 times. When it went to the fourth they gave me what they wanted. I called and told them I have a set plan to pay me a certain amount. No results. Do not take it. Very unprofessional.

I have three policies with AFLAC and have maintained these policies for at least 5 years. Every time I have made a claim it has been a struggle to get paid. I regularly get denied. Have to contact the customer service and complain they reopen the case and I get paid. “Sara” my agent is terrible. I can never get her on the phone, or email. She is of no purpose or help. I recent have major surgery. Off work for 2 months and had to jump through major hoops to complete their paperwork process when I was not capable of getting out of bed. They do not help in any way. If the paperwork is not correct rather than helping you claim correctly you get denied and in order to maximize your benefits you have to do your own research. They will not help you. Don’t waste your money! Save for that rainy day rather than insure it. At $150+ per month a healthy savings account can save you and you don’t have to struggle to get the money you are owed.

My husband was hospitalized through the VA in February. We submitted a claim in April requesting a payout under the hospitalization claim. Aflac keeps refusing to pay out based on the VA not providing a print out of room and board charges. I have spoken with the VA on numerous occasions and been told that this information will not be provided to anyone outside of our medical insurance. They told me AFLAC is aware of this and yet AFLAC continues to refuse to pay out. What a thanks to veterans, refusing to pay them their rightful benefits based on a policy outside of the veteran's control.

I had a procedure and stayed in the hospital over night. I was advised prior to the surgery that I would be paid and what the pay out would be. I have officially been denied and their excuse was that I was not admitted to the hospital - I was admitted for the procedure and stayed over night for observation. The standard observation stay is 2-3 days. This is the 2nd denial since I have been signed up with Aflac. Seems extremely disappointing, Shame on Aflac for advertising such wonderful service and being a complete disappointment.

I have submitted a second claim to this company. They told me that I will get a direct deposit by April 9, 2019. Ok I waited. No deposit so I call back two days later and they told me that my bank routing number had a missing number. At the end she told she will go ahead and manually put the number in. I said ok. It take three business day. I said, "Ok no problem." I waited again no deposit. I call back then they told me since we didn’t get to do the direct deposit they sent out a paper check. Ok wow. So my claim was submitted on April 2, 2019. One month later no check no direct deposit even after I fill out a new direct deposit no money. I beg and beg them. It’s 372.00 which was was going to help me pay towards my rent. Never got it. I will speak to my Human Resources lady to see how to cancel my service. I thought this company was great but after my second experience I’m so disappointed.

Decided to get two policies with Aflac over a year ago and finally needed to put them to use after giving birth. Filing the hospital coverage claims were a breeze and was worth the money. However, the short term disability coverage is complete trash and a waste of money. I’ve been out of work since February due to injury that occurred during my pregnancy. Filed an initial disability claim and was denied because the injury did not lead to hospitalization, which is what was said when I asked why it was denied. However, one representative stated that it was denied since Aflac doesn’t cover work injuries.

I was hospitalized due to prostate last year. They keep wanting more items I’ve done and sent all requested paperwork. They keep sending me the same letter over and over and over again. They say they need a form from doctors which doctor says they haven’t requested from them. I've been paying this company 100.00 a week for 4 years and I feel it’s a waste of money. When it comes time to pay you they act like it’s out of their pocket!!

I have short term disability policy and submitted all forms requested before just to make sure nothing would be on hold. Was told that they only pay on the 8th day. Ok so big deal, after I had surgery and tried to use my policy and make sure they paid before paying bills I learned that they only paid me $36 a day when I clearly make more than that. I was livid. Called the headquarters to ask why? They kept repeated that’s what they pay. I told the lady how someone who makes more than $36 a day and when I called to verify they would pay they never said anything about $36 a day. Had I known that I would have never had surgery. Definitely not worth paying them to screw you over and withhold information just to get you to sign with them.

Pregnancy/Delivery, Claim UB04 and Operative report provided and yet they found a way to string me along resulting in none payment for my child hospital stay. Contacted Aflac months prior to delivery as well as numerous times after to verify my coverage, understand the wording listed on my certificates and to have a thorough understanding of the claims process.

I get Aflac through work but, the last time the Aflac agent came about to the office he brought with him the cancer policy. I signed up for this for myself and my husband because cancer runs through our families. I signed up for the cancer policy, the Aflac agency stated it would be active in one month after 30 days, that was signed in June 12th. On July 17th, I was diagnosed with colon cancer, I spent a couple of weeks in the hospital, had surgery for re-sectioning. When discharged I met with the oncologist and started Chemo for 8 months.

I suffered from a Pulmonary Embolism on 12/20/18. I was taken to the ER via ambulance and subsequently hospitalized for 4 days for treatment. I was readmitted 48 hrs after I was released, due to Pneumonia as a complication from the Pulmonary Embolism. AFLAC paid me out on my Supplemental Insurance right away. But when it came time for them to review my short term disability claim to cover the time I was out of work - they continuously deny it and state that it’s due to a pre-existing condition. I have escalated this FIVE times, and every time time the decision is upheld but no information is provided to me.