Aflac Reviews

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.

I have been with Aflac since 2002 in which I don't think that makes any difference. I am quite disappointed with this company. Recently I inquire about reinstatement of my policy. I had spoke to several customer service reps at that time gave me wrong information. I faxed a request for reinstatement and it was approve but the problem was they gave me only 3 days to get all back pay due plus the documentation that was needed. I tried to make the payment with Aflac by phone but I was told I had to mail the check and document to Aflac.

On 2/20/19 I fell on ice and injured my R knee. I tore my meniscus and underwent surgery on 4/1/19. My policy pays out two separate amounts for a plain old arthroscopy ($300) vs a meniscus repair ($625). I submitted my claim with surgical photos with descriptions from the surgeon. Lo and behold I receive the claim on 4/9/19 and was only paid the $300. I called customer service and was told that they would need the operative report. Okay. I'm non weight bearing. I'm on crutches. I drag my butt to the hospital to get the report. I submit it on 4/10/19. They deny it and tell me it was already paid. Now I am annoyed. I call customer service every day who assures me it is being worked on.

I was a relatively new AFLAC enrollee having signed up in January 2018. I was hospitalized in February for 2 days (went into the Emergency room and was subsequently admitted for two days). Filed a claim. Claim was denied. I had not been "admitted" but was only "under observation" (in the hospital, in a hospital room, bill says admission date and discharge date). Be careful.

These people do not know how to keep their word and assist! I obtained a Critical Care Policy and Accidental because I was told those were the only policies I could obtain outside of an employer. So the Accidental got taken out of my bank account right away but the Critical Care policy had to go to underwriting which no one had disclosed this to me. I was told that there was no waiting period for this either.

After being a loyal Aflac customer with three separate policies since 2007, I am totally disappointed with them. After having surgery to repair a torn meniscus, my claim was denied. No, I do not know how or when my meniscus was torn, but it did happen. It was certainly not something done on purpose or "intentionally," so it was an ACCIDENT. I could have saved the money paid to them over the past 12 years, earned at least some interest, and really had the financial support I needed due to this surgery and subsequent time off from work.

My family and I have had Aflac for many years, but we’ve noticed it going downhill for a long time. I resent my paperwork as my agent recommended with the right info to renew my policies last fall and they said they never received. So, I filled out new ones with a detailed cover letter. In the letter, I explained it was the second attempt and marked which policies I want. Days and weeks went by. Nothing was deducted from my account. During this time, I called a few times. Each person told me my information would clear and it never did. Each person was nice and patient, but never received proof of anything going through.

I had a hernia operation due to a lifting injury at home. I always open a patient portal when I go to a doctor or hospital. I had all the information they asked for and was settled in 24 hours. If I didn't have the portal it would have been a lot more work and time so make sure you open one whenever you're offered it. I was very pleased with them!

My husband has stage IV metastatic cancer. For the last three years he has been on two oral chemotherapies. For three years numerous auditors have only paid for one of his chemotherapy drugs, even though they were suppose to pay for two. We spent the last month getting it sorted out, only to have them once again only pay for one prescription this month. We have been on the phone with them three times already this week. It is apparent that Aflac does not have proper training for these auditors and depending on who reviews your claim is what you will get paid. If you resubmit something they ignore it half the time and we have had to get a supervisor more than once due to this. Having cancer is stressful enough without putting up with incompetence and people not doing their jobs.

Had accident policy. Submitted claim for accident and Aflac Paid. Then had ongoing treatments for same accident. As per my contract with Aflac my policy, ongoing treatment is also supposed to be paid. However, all of a sudden new docs needed, sent documents numerous times, called customer service claim dept, said needed more docs to prove claim, I asked for manager, they said no manager, they put me on hold for a very long time, then hung up on me. So I resubmitted more docs, with clearer views for them as they said they couldn’t read the 50 docs I had to resend them 50 times, so now I wait again. All for 160.00. I’ve never been so shocked at this behavior from Aflac.

I no longer wanted to use AFLAC services so I sent an email to cancel. I got a letter of cancellation. After that they continued to debit my account for one month. I called to check on it and was told that I had to send a fax to get a refund. I was also assured that the debit to my account had been stopped. Two weeks later my account was debited again for AFLAC services even though I received a second letter of cancellation. I called a second time and was told that I have to call the third party payment administrator to get the debit stopped. I was also told that I had to ask the administrator to send over a request for refund. I have just called that administrator and had to leave a message. I am very upset at the complete lack of customer service. I should not have to tell them twice to stop debiting my account. I also should not have to send a fax to get a refund, as it is not my mistake but theirs.

I have been an insured for over fifteen years. Over the years the customer service has become obsolete. I was injured in 2015. My policy covers both on and off the job injuries. AS a result of the injury, I have required several surgeries on several different body parts. After a shoulder surgery that was covered and paid by AFLAC, it was discovered I also had severe Carpal Tunnel. I had the surgery and I submitted the forms along with the required PT forms. AFLAC denied the claim. They were unable tell me why, but the representative advised me to file a new claim. I filed a new claim and it too was denied.

What happened to the 4 day response to a claimant's accidental claim? Now it takes 2 weeks to even get an answer. Hmmm, something isn't quite right here. The review department isn't concerned about the people who are paying their paychecks through our premiums every month. Ha, I called yesterday and spoke with some call rep, and they said the claim wouldn't be reviewed until the 15th. I sent the claim in on the 8th which was Monday. That would be a whole week. And, then they still might not accept all my reports. Crummy Company, Just Lousy, Lousy!

My mother had Aflac for years. My mother passed on 1/23/19, We were told she has two policies and that is about it. My mother died suddenly from a massive heart attack and we have been given the run around for almost 3 months now. Customer service is HORRIBLE, they not only are not courteous, but not now knowledgeable as well, NO one can tell us why my mother's policies are getting denied. We have been told they will call and email us back with update and they never do. All we are being told is that the policies have been denied and to send in another piece of information. When we send in what Aflac request we are then told, "Oops we forgot to do this." Or it went to the wrong department. Or it was uploaded but not to this department.

I have had Aflac for a while now and have NEVER filed a claim or needed to use it. However, in 2017 my wife (also covered on my plan) was hospitalized with an unknown heart ailment. She was hospitalized overnight and allowed to leave the next afternoon. As such the medical bills were quite high. So, I contacted Aflac and submitted a Smart Claim online and was denied!! They said because she wasn't confined for a full 24 hours (she was taken via ambulance to hospital around 3 pm and discharged the next day around noon), and as such she was denied. I spoke to my Aflac representative and she said she would look into it.. However, that never changed anything. I am not sure what the hospital plan is for if not for a hospital confinement?? I still have Aflac but am not confident in getting results!

My husband injured his knee in early Feb. He went to Ortho doctor who sent him to physical therapy. After 6 PT visits the therapist referred him back to Ortho MD who ordered MRI which showed he had two tears to his meniscus and he needed surgery. I filed a accident claim and used the smart claim process and claim was paid in one day as advertised. My husband and I were very happy with the quick payment. I noticed that MRI benefit was not paid and called AFLAC and pointed this out. This claim was then paid within 2 days. He is having surgery tomorrow and will file claim for surgery benefit. AFLAC was great. Quick pay and I was impressed with the professional customer service when I had to call. I have told co-workers and told everyone they needed to get AFLAC.

My husband broke his arm in 3 places on February 11, 2019. As soon as we started to deal with our designated rep I knew it was going to be nothing but issues. He had zero urgency to handle our claim, never returned an email or phone call so we decided to bypass him and start calling the customer service number. At first I thought everything was going to be OK since the rep I spoke was finally helpful. I was wrong. We submitted his operation report the 1st week of March and waited and waited. We finally called to find out what the hold up was and were told they didn't have enough employees to handle all the claims and that it would be a another 10 days until it was even looked at.

I work in Indianapolis, IN and had 2 females come to our office today. When asked how I could help them, one of them said that she needed the name of the owner to schedule a meeting. I asked if she had a business card, to which she replied “no I don’t.” I asked her what she needed to schedule a meeting in regards to and she informed me it was for employee benefits. I told her we were a small union based company & I then asked her what company she was with & she said Aflac. I said “We aren’t interested. You guys come by here all the time and it’s not something we are interested in.” She turned around and called me a **. I then said I am not a ** simply because we aren’t interested in your business to which she then turned to me and called me a **.

I was working alone in my office and have a no soliciting sign on the door. When two Aflac employees came into my office I asked them to leave and stated, "No soliciting." They refused to leave and stated they are not selling anything and just wanted information. I again asked them to leave.

I am very unhappy with Aflac. I have never experience my claims being denied. I have provided all document that they required and they still denied my claim and the only explanation they can give is that I will received a letter in the mail. I will be complaining to my HR department so they can cancel Aflac. They are a joke. Very unhappy.

I have been calling and emailing my agent for a couple of weeks now, so when this rude ** did decide to email back; she was on defense mode. Her email addressed EVERYTHING except what I need her for. Aflac really needs to be aware of these monsters they have representing them. I definitely will not be renewing. My goal is now is to let all the consumers know Aflac is NOT the way to go.

I was diagnosed with multiple sclerosis November 28, 2018. After speaking with Aflac customer service for the claim department multiple times and sending over all of the documents requested my claim is showing denied again. When I call and ask why I am told they are not sure. Everything is there for it to be covered and no one can transfer me to someone that can actually tell me why my claim gets rejected and how to fix it. I just want answers.

Colonoscopy? Denied. Skin Cancer screening? Denied. Annual physical? Denied. All are listed as approved wellness screenings on the insurance forms emailed directly from AFLAC. “Not covered.” What? All claims denied for the past 5 years. (Of course, the nice lady on the phone said that all of those preventative care screenings are approved.)

My dad had a gunshot wound to the leg and never knew he could claim it. So he finally tried claiming it and they gave him the runaround and give them paperwork they ask for. Now they asking for a police report talking about gunshot wound require a police report. I told the lady, "Will you have the medical records what you need a police report for." She was lying. She later put I need a motor vehicle accident report. At this point why can’t you put police report and not motor vehicles report. And it’s not that I haven’t provided more than enough paperwork. They are full of.

Got in touch with my rep to cancel, took 4 months. After 4 calls to customer service, they could not find my account???. 2 months now been asking for my $450 refund. Had Alfac for over 7 years, never filed a single claim. I think they made enough on me to refund my 4 months after I asked to cancel???

I bought Aflac including the cancer rider for myself and all of our employees. I had back surgery that left me disabled for 3 months as I could not walk until they did the 3rd surgery. I eventually returned to work. Aflac wouldn't pay my claim and just kept asking for paperwork of different types and did not pay my claim. I canceled it for all our employees. DO NOT EXPECT IT TO BE EASY IF YOU BECOME DISABLED AND EXPECT AFLAC TO HONOR YOUR CLAIM. They will fight every single claim and bury you in paperwork!

I have back issues from a car accident years ago. I was able to keep working and dealt with it all. I signed up for Aflac in the end of 2017 knowing that pre-existing conditions required a year before any claims could be made. I needed surgery and went in on 1/30/2019. During the surgery something happened to my spinal cord and I was basically paralyzed from the waist down. Had an MRI, another surgery, and another MRI. I was in intensive physical therapy, trying to learn how to walk again.

I had an accident on a 4 wheeler which caused a bladder tear. I went to the Dr. to tell of what had happened. I also told him of other symptoms I was having as to address everything at once. Aflac took my "extra complaints" and used them as my diagnoses instead of the diagnosis I originally went there for. I am in the process of an appeal since a Bladder Tear can only be caused by Trauma to the bladder and not by a disease etc. But in the meantime I'm going to have to fight with them for my disability as well since it's 0/7. They may try and deny that as well. It's ridiculous that you have to go through all of this extra unnecessary work just to prove something that is already obvious. A tear in the bladder it's just like a cut on the outside of your hand. It's just internal instead of external. I guess if they can't see it. They don't acknowledge it.

After my daughter tore her ACL and Meniscus, I contacted Aflac to discuss the claim procedure. The agent was very nice and told me the documents needed and recommended I wait until the surgery is done and the expenses are accrued to file the claim. I followed her instructions and when after all expenses incurred, I filled out the lengthy handwritten and awkwardly spaced claim form she sent to me and filed it with all documents she detailed and were detailed on the claim form. These included receipts, office visit/surgery descriptions.

I have had Aflac for about 10 years. I have used it when I gave birth to my son as well as when I was recently injured at work. I recently changed my policy due to my new position at work (promotion). I was told there was no waiting period besides the 14 days if I file a claim. Turns out that lie. I wasn’t expecting on getting pregnant so soon but I did and was then told because of the 10 month waiting period when I do deliver my payment will go off of my old policy amount. I was very upset but tried to stay positive and thought well at least I will get some money. Now due to my job and basically not able to fulfill my job duties as while as being high risk my doctor took me off work at 5 months. When I filed the claim it was denied stating the reasoning was not due to complications.

This company is certainly not true to their promise that they give to their policy holders. This has been an extreme disappointment to me and my family. I’ve recently had back surgery, and I’m not scheduled to go back to work until the middle of May. Aflac does not want to pay me for my short-term disability, stating that the surgery was due to a pre-existing Condition. Aflac are the only ones benefiting from individuals signing up for their service. This company takes advantage of individuals that are sick or injured in their time of need. I’m canceling all of my policies tomorrow, and spreading this news to my coworkers and anyone else who is willing to listen. This is certainly not the proper way to conduct a prominent business. Aflac you suck!!!

I signed up for Aflac when I started with my new company. The Aflac rep told me what was covered and what wasn’t. I was told my wife’s pregnancy was covered because of Aflac's new policies they don’t consider pre-existing conditions anymore. I signed up for the plans. It’s taken out of my check every week! My wife was admitted to the labor and delivery department a few weeks ago. Due to several complications during the delivery process she had to have emergency surgery which led us to stay in the hospital for 7 days. Once we came home I submitted all documents to Aflac. Within one hour I received an email back saying both claims have been denied and they would let pay anything!

Terrible customer service. Online tools do not work as advertised. Claims process does not work as advertised. You are required to call them for everything and even the simplest of requests general take at least 1 hour on phone on hold. The Agent’s only interaction is to get customers to sign up for products or services. Once this happens, agent is hands off. Attempted to cancel the product and customer service (payroll) does not answer phone. Was forced to file case/complaint with insurance commissioner over shoddy procedures. It is simply not worth the premiums. You will lose more $$ in income waiting on hold for administrative tasks than the policy is worth. You would be better off with a full service company that will do what they say and honor what you are paying for.

I have had a group accident policy with AFLAC for years. Filed a claim that AFLAC is now denying saying my policy says I had to go to dr within 72 hrs. I had a torn rotator, labrum and bicep tendon tear that I tore working out at some point at the gym. I can’t say exactly what day it happened but it happened and I had surgery for it and now due to fine print in my policy, I am being denied? This is completely ridiculous. I sent over 20 pages to back this claim up and I get denied. If this is going to be the case, I will cancel as this policy is not right. I have paid for this for years.

Hospital admission was Nov 2018, and still fighting with AFLAC. I too am getting the runaround in customer service, I've called and spoke with at least 7 reps. Aflac is just like a warranty, you submit everything and still have a reason to deny your claim. I was supposed to be an outpatient BUT, ended up having complications and ended up being admitted. I was off of work for a week to recuperate. I had my surgery done at a military hospital so they don't have the typical billing codes.

I work with patients on a daily basis. Most of our patients don’t get paid FMLA just like myself. I always suggested to sign up for Aflac prior to having surgery and to see their guidelines in order for them to pay out claims. In my case I signed up for Aflac and again asked the sales associate that came to our office the guidelines and waiting periods. She reassured me they are known to pay claims as soon a 1 day worse case scenario 7 days. I submitted my first 02/05/2019, called to confirm forms were received. I didn’t call until a week later to see what’s going on as I wanted to give them time. I called they said give them 7-14 days. I call them 02/21/2019 and they state it hasn’t being reviewed but that it will be escalated to a supervisor and I will receive a call within 24-48 hours. I call 02/25/2019 and again they apologize they don’t know why they haven’t reviewed it.

Went to doctor and complained of pain, numbness, etc. Doctor sent me to have MRI. Referred back to Primary doctor. MRI showed herniated discs. Primary sent me to specialist and, 5, c6, c7 herniated discs - one on nerve, other touching spine. Taking cortisone injections. If they don’t work I will have to have surgery. Aflac denied my claim saying preexisting because I was diagnosed with cancer in 2017. Cancer free 1 year and 2 months. Totally different diagnosis and claim.

They denied claim because I waited too long to go to doctor, then said it was a sickness. Unless we are bleeding or bone sticking out, no one goes to doctor right away... We hope we heal on our own. But after a week of pain, I went called to make appoint. And their "group" coverage is horrible. You email claim, it goes into black hole. No notification that it is received... They only contact you to deny the claim. They also took 2 weeks to review...after escalating it.

AFLAC is a ripoff when it comes to paying a claim. Sure, they will pay $60 for some preventive care, but file a claim for an accident, probably be denied. We had a term for their process, "when you can't say NO right away, Red Tape them to death, then say NO". I injured myself last year working in the backyard which resulted in a hernia and surgery. After requiring a UB40 (itemized statement from the hospital), they wanted the physician's notes, not only my PCP, but the surgeons as well. After providing the information to them, they denied the claim, stating that there was no "proof" that it was an accident. It was the first and only claim that I submitted after paying premiums for over 10 years.

I was injured in June of 2018. Aflac paid me an injury claim. That injury turned into an illness in November I was hospitalized. Aflac denied that claim at first saying it was an Illness not injury. When I sent in proof that it was from the injury they stated I was covered in June even though they paid me a claim. Then came time to file my disability. I received initial check no problem but as soon as I submitted second claim my policy was terminated.

Denied. I had coverage - took 65 every other week for 2.5 years. Out of my check - nobody at this company answers email or phone. I have a lawyer for the accident. Guess he will be taking care of this 5k ripoff.

This is the worst insurance fraud that I have ever seen or had. Had a $2000 hospital policy. Filed a claim for being in the hospital for 9 days that only approved 1 day. Paid $100 and won't pay anymore. The people that sell these policies should go to jail. Don't buy this junk!

Last Claim was for a stroke. This after being a policy holder for about 15 years with multiple policies. I had a stroke and stayed in the hospital for 3 days, unconscious. I suffered memory loss, balance problems, thinking issues and more. This was the second Specified Event I filed for. My doctor wrote letter to Aflac verifying I had a stroke. No payment was made. Yet when trying to get life insurance some time later, it was denied because "I had-had a stroke!!!" When my renewal came up, I didn't renew. Why should I, if AFLAC doesn't honor their policies?

My wife is pregnant with our second child and due to complications (benign, but extremely painful tumors) is unable to work for the last six weeks of her pregnancy. We filed a claim with Aflac and they refuse to pay because, her complications which have left her totally disabled according to her Dr. are somehow NOT complications of pregnancy? Then the RUDE customer service rep [Keari?] refused to let me speak to a supervisor or an adjuster because I needed to file an appeal in writing which may take 30 days while my wife just missed her second paycheck and may have the baby any day now. Why are we paying hundreds of dollars a month for a policy that we can't use? We would have been better off putting the premiums into a shoebox under the bed! We are canceling all of our policies and I would recommend that you do the same. Better off saving you money than wasting it on this crooked duck.

I have tried to no avail canceling my critical care policy and this has gone on now for over 6 weeks. I have emailed, sent a letter, called. Emailed again to several depts. and nobody seems to find anything on it. Pretty scary! I think if I needed to put in a claim. I will never deal with this company again. Totally disappointed to say the least.

This Aflac policy totally sucks. Pay every week and they will NOT cover a colonoscopy... WOW. That is a cancer preventive invasive procedure. WTF DO YOU COVER... Oh yeah we must have to be half dead, then we can't contact you because we are too sick, I THINK I SHOULD HAVE LISTENED TO MY FAMILY TELLING ME IT WAS A RIP OFF COMPANY. Ok people, drop all policies now, you get paid nothing. I Think I have made 2 maybe 3 claims in the past 2-3 yrs... WOW. I think I got paid for one thing. I think this company needs to stop taking people's monies, and stop writing deceiving policies. Karma has a way to making things better, May the force be with you. Pissed Off in WISCONSIN.

I had been with Aflac for over 10 years and lost my job at the end of November. They sent me my premiums at the end of January and the payment was due by February 6th. I mailed my payment in February 1st and the cashed the checked February 8th. Today (February 13th) they mailed me back my checks and cancelled my policies! I had never been late on a payment and I truly believe I wasn't late this time either! The customer service was terrible! I was on hold for over 20 minutes and she was very rude!! That's UHC for you! Would NOT recommend this shady company to anyone!!!

I became a policyholder with Aflac in 2009 and was a member since 2012 with my employer. The Aflac representative name was 'Micheal'. He was great. He would come to our offices for whatever reason and he'd always drop by every department and ask if there's any questions or concerns. I had my policy for maybe about 1 year when 'Micheal' dropped by and asked me, why haven't I been utilizing my policies? I was stuck. I told him that I have been very busy and the times that I did think about filing claims, I figured it was too late to do so. He is the one who informed me that there wasn't a time limit on claims. He asked me did I have kids? I told him I had 4 and had just found out I was pregnant with my 5th child. He gave me his card and told me "to give him a call asap I can".

When Aflac was first offered to our district, I signed up for the Short Term Disability. My husband already had Aflac and never had a problem. I had a different Private Insurance that had a 30 day waiting period. So, I figured since the rep made it sound like a great policy and very user-friendly to file a claim, I would happily get a policy. Here I am three years later after never filing a claim being denied. I was scheduled to have surgery for my carpal tunnel syndrome and get told that I can't do the surgery because I was pregnant. This is my third and an unexpected pregnancy. Due to my age and other issues, has been my most challenging pregnancy. I went to see my physician at around 35 weeks and she told me that due to my required C-Section, levels of stress, back pain, swollen feet, and pre-existing carpal tunnel, that I could no longer work. She put me out on disability.

I had a colonoscopy 1/21. According to my policy, they pay $100 for this procedure. I have submitted the "required" paperwork and was denied. No explanation as to why. I am guessing something is missing on the EOB that they "require" but have no idea what. The AFLAC website is a JOKE!! It tells you NOTHING! The forms are HORRIBLE and when you fill them out (according to the link on the policy), they tell you it's the wrong form. I will recommend to my employer NOT to renew this policy. It's a scam. And "AFLAC Phyllis", just stop! No one wants to read your canned message. You are not winning with this crap! I laugh at their Zero Tolerance policy "Posting fake reviews is a violation of our terms of service." Seriously?!?! They want US to follow your terms but don't follow it themselves??? One PO'd Policyholder!

I had a stroke and I submitted health records showing that I had multiple lacunar infarcts which is the definition of a stroke. They said it wasn’t. Having to get an attorney to fight them. If I ever saw that AFLAC duck, I would stomp it to death!

I have been covered by Aflac for 3 years. December 2018 was my first time using my short term disability. December 13 I had my surgery and I was aware that I had to wait 14 days to receive my first check. I sign paperwork stating I will receive $1500 a month while on short term disability. I was on short term disability until February 08, 2019. I did not receive $1500 as I was expecting.

I filed the form my rep emailed and sent them back. Received a email 4 day wait. New email need forms (already sent) sent again, 4 day wait. Need same form they aren’t readable, sent again, again 4 day wait. I have sent the authorization for 4 times now and again I am waiting 4 more days. I haven’t worked since early Dec and I feel like I'm getting the runaround. Now the website states they have no record of my account.

AFLAC did not honor the CCAEFB First Occurrence Building Benefit Rider: 5 Units - $500 policy I purchased on January 28, 2002 ($5000 x 5 units = $25,000). AFLAC paid me the First-Occurrence Benefit. The First Occurrence Building Benefit states "This benefit can be purchased in units of $100 each, up to a maximum of five units or $500. All amounts cited in this rider are for one unit of coverage. If more than one unit has been purchased, then the amounts listed must be multiplied by the number of units in force. The number of units you purchased is shown on both the Policy Schedule and the attached application." AFLAC denied me my First-Occurrence Building Benefit when it chose to pay me the First-Occurrence Benefit, as defined in Part 6B of the policy.

I have put in a claim from back in November. I faxed it. Email it to 3 different people. There was always something wrong with it that they could not read it. I should have received 2100 dollars and only got 20 and it took two and a half months. They are a big rip off. I have called a number of times only to be told I can only talk to one certain person. I called him a number of times with no answer and no call back. They do not stand by what they say. Do not put your money into them - it is like flushing it down the toilet.

The AFLAC policy cancellation process sucks. Fax it in, they say they did not receive it. Email it in. They say they did not receive it. Pay your bank a $27 stop payment fee and sign bank papers to stop AFLAC from taking future payments and that is the way to cancel the AFLAC policy with assurance. AFLAC is not responsive to fixing this problem. You should be able to cancel with electronic document signing and do it in minutes instead of days and MONTHS. THEFT. I feel like I am the victim of THEFT. I feel like all the payments since May of 2018 were STOLEN from my bank account. Life circumstances prevented me from following up on actions to make sure the policy and ACH THEFT stopped. My advice, besides going to another company for insurance is to NEVER ALLOW DIRECT DEBIT OF YOUR CHECKING ACCOUNT. NEVER AGAIN AFLAC. NEVER AGAIN.

I've had Aflac for over 16 years. They have helped me in the past enormously but when I missed my payment in July and made the three payments all at once on September 5th 2018. I asked them to send me the forms to fill out so I can be reinstated. Without hesitation they mailed me the forms and I had my doctor complete them and I faxed them over and mail them with the return receipt. I never received the return receipt. I spoke to customer service on the phone. They said they received the fax.

I've had Aflac accident insurance policy along with several others including the cancer for over 20 years. I filed an accidental claim in November of 2016. I got notice. They needed additional paperwork. I got all the paperwork needed and sent it in. Now I've been denied after my back surgery as they said that I didn't go to the doctors within 24 hours. I was on vacation in Florida when I fell but didn't feel any pain until after the next day. Since I was flying back to New York I decided to go to my doctor in New York who had me go right over for Xrays along with scheduling MRI. During that time was advised to try alternate treatments as wanted to do this before having major surgery.

I previously left a review but I don’t see it now. However Aflac doesn’t pay me because I had a work related injury that took longer than 90 days to get my surgery approved but told me I would be compensated after. I then had a successful surgery and Aflac sent me a letter stating the opposite. Buyer beware. The commercials are lies to get you to buy.

Updated on 03/09/2019: This is my second review. After the first was posted, I received a reply to contact AFLAC Phylis at the customer service center. There is no easy way to do that, but I persisted until I found the e-mail address and sent my information. I had two complaints against AFLAC. First, I had paid for an On-The-Job Injury rider to my Disability policy for nine years. Although I have had back problems, I managed to work and planned to work until age 70. Then I had a fall at work. That injury exacerbated my pain, and I was forced to retire because I could not work. AFLAC refused to pay me for the OTJ rider, and opted to pay just the sickness portion of the policy. The agent who sold me the policy had explained to me that if I were injured, I would receive the amount for both the original policy and the Rider.

We have had Aflac for years. My husband filled out a short term disability claim and they keep telling is it only takes 3 business days to review but they have has the paperwork since 1/9/19. We can never get a hold of anyone, wait times are 2 + hours... The only thing anyone will tell you is that it is “In progress” if you ask to speak with a manager they won’t let you. It really is getting hard to work with this company and very frustrating. If you are thinking of purchasing an insurance plan I would look elsewhere.

I was injured on December 31st with an accident to my hand. Went to the emergency room, had emergency surgery that night and have refused to follow through with their policies. I was told that hospitalization and surgery can't be paid on the same day as an emergency room visit. They still haven't paid for x-rays and when I submitted my short-term disability paperwork along with 23 pages of proof here it is a month later and still have not received payment and being told that they are behind and when I told them that they said 7 to 10 business days after I mail the paperwork and they received the paperwork on January 11th of 2019 and still haven't reviewed any of the paperwork. Do not purchase plans from this company. I believe the Attorney General words to step in on this company because they are fraudulent.

Aflac is like the movies I have seen about insurance claims being denied and denied. I was told after 24 hours if signing the papers that my heart problem would be covered. I sent them a bill from hospital. The name of hospital at the top. Also had address and phone number. Aflac sends me letter saying I didn't give them name of hospital. I go to hospital website and take a screenshot and send it to them. Then I get a letter saying I didn't give them the phone number. It was there. Then the next week they say I never gave them an address. Hahaha. Another week goes by they say they need an itemized copy of the bill. I get that and send it to them. 10 days later they say they need medical history and physical results. I call hospital and they say Aflac doesn't get any of that information. It isn't any of their business.

I filed an accidental claim on 12/21/18. I got notice they needed additional paperwork. I got all paperwork needed and emailed that back in on Jan 8 and 9th. My claim is still not been processed and being told to wait 4 or 5 more days. They will not allow me to speak to a supervisor. I just want what's rightfully due to me in a timely manner. They take their money from me every month. I think it's only fair to distribute the funds in the same manner. It would be awesome if you could actually speak to someone in the claims dept. not just a cust service agent. That knows nothing about how the claims area works. I am so upset. For anybody in the future please don't hold your breath wanting on your funds. Because it will be a long while. Sincerely, Disappointed Customer.

I have had this coverage since my employment began over 5 years ago. I was diagnosed with cancer last year and had surgery to remove the tumor - which was then followed by chemo and radiation. Twice I had to stay a week in the hospital due to how sick I became after chemo treatments. I have been working on these 3 claims since October of 2018 and they're still not resolved!!!

I have been waiting since Dec 3, 2018 for my short term disability continuing claim form to be processed. My doctor and I have given all information requested yet my claim is still pending. The Director of Patient Relations sat on hold for 45 minutes to speak with the CSR and auditor as requested. She was put to auditor Nakita's voice mail. This was last week. There has been no call back or claim processing. I have given the CSR and auditor the direct numbers as requested but they have received no call back. The number AFLAC is calling is a dead number that was for a person in Patient Relations. She is no longer in that department and the number just rings as it is a dead number according to the Director of the department but I have given AFLAC the correct number yet nothing. I have called AFLAC countless times in the past 1-1/2 months and always given a different reason the claim remained unpaid.

My husband has the accidental insurance. He fell and injured his shoulder. I know it wasn't a car accident or any vehicle type accident, however it was accidental. He ended up having surgery and after a good month was refused any type of payment. The Aflac duck says they pay if not able to work. He will be off six months and thinking we had a good insurance coverage to help with expenses, only to find out, nope. What good is this insurance? Might have to cancel.

I have 5 kids and my kids are in sports and after school activities. They have been in some accidents and I have made claim with Aflac and it's been a hard time getting my claim approve and it's been going on for almost a year now.

My husband purchased Aflac from a client at his shop, he soon learned he was uneducated in what he is selling. He was told many things that was untrue as far as coverage and claims. A few months after obtaining I went into hospital followed by physical therapy. He was told we would get $300.00 a day for hospital and so much more for physical therapy. Three times I was denied. Soon after that my husband had surgery as well and of course every excuse in the book once again on why they deny the coverage. I will be contacting my attorney and the BBB.

Three times I have had to call and ask why my claim has been denied only to be told they didn’t understand the documents submitted and they would have to resubmit for review. It appears to be a game of, "If we deny it maybe the customer won’t understand the coverage and accept not being paid." Surgery documents submitted but had to call to say surgery was performed. Prescriptions submitted but not paid for prescriptions. Every item had to be followed up in twice.

I submitted a claim, only for it to be denied because it was “diagnosed within 30 days of the policy effective date”. The effective date was 09/27, I was hospitalized on 10/29. Now I have to wait for over an hour and a half because someone at Aflac can’t do basic math. Every call is an absolute nightmare as the wait time is NEVER less than an hour. How this company gets away with this and stays in business is beyond me.

Updated on 03/05/2019: I signed up for AFLAC Disability through my employer in open enrollment 2017. So Jan 2018 I had a policy that paid out $40 a day. I wanted to increase it during open enrollment 2018 to $80 a day. Then in November, I needed to schedule surgery. I asked AFLAC 4 times that if I went out in late Dec 2018, would the days off work in 2019 pay out at the new enrollment choice. Each time I was told "YES". I asked if I waited until Jan 2019 to have my surgery, would this change anything in payout amounts. Each time I was told "NO". "That any days off work in Jan 2019 would be paid out at the 2019 rates regardless of having the surgery in Dec 2018 or Jan 2019"...

The representative did not follow procedure when I canceled my policy. I was not billed for a whole year and then all of a sudden money is taken out of my paycheck for a policy that I CANCELLED a YEAR earlier. I contacted him and of course was given excuses... This was in September. I continued to email/call from October 2018-December 2018, and then his supervisor got involved and I did not hear from him again. He lied to me EVERY. SINGLE. TIME. It is now January, I have been emailing an administrator and sales coordinator since December, and I am still working to get my money back. They took it from me like nothing, but want me, and our payroll person, to jump through hoops to get it back. I sent my pay stub that shows it was taken out. Why do you need more than that? They are all either incompetent or devious or both. STAY AWAY FROM AFLAC!

Updated on 1/08/2019: Spoke with rep ** and he stated the documents I had emailed to rep ** was not able to be reviewed because of an issue with the document. Further stating it would not open. So he proceeded to provide me with his email address so I can once again email the documents to yet another rep to "forward to the escalation dept for review with 48 business hours." How many times have we sang this song and did this dance. Well, he confirmed he received, and was able to view the document emailed. He confirmed he could read the diagnosis codes from the cardiologist. Hopefully this is the last time we have to do this stuff. I'm not happy.

I had some questions on how I should go about getting my claims paid. I have an accident policy A36000 OPTION 2 class C. I'm in Kansas. Anyway, I was having a normal pregnancy as I did with my first 2 children seen my doctor 2 days before I went to the emergency room because I slipped in the tub at home while I was pregnant trying to stand up and started having full blown contractions and severe pain thinking I would be okay I waited until I could hardly stand up to go to the ER.

I have been pay Aflac for 4 years now every month. I sent in a claim about month and half ago. The doctor had put incorrect date on it so Aflac explained he needed to send letter explaining the correct date with new forms filled out. Which is what we did. They still denied it saying it hasn't been 180 days but it's been 182 days. The person I spoke with didn't understand why they didn't approve it either and sent over an email to whoever. It's really frustrating cause I pay them every month so I can use it when I need to.

After filing a claim, was paid quickly and claim closed. One problem, they didn’t pay for hardly anything the policy said was covered. After sending 22 pages of documentation. I call claims department and was on hold for 2 hours 49 minutes only to have the person answering pick up and act like she couldn’t hear me and end the call. Seriously! There is no way to contact them except the email on the site which gives no email address. I sent a message with no response. I’m reading the reviews here and it seems AFLAC is not the company it advertises.

I have had Aflac coverage for many years. I have always trusted Aflac, until now. I had a stroke in October 2018. Not a TIA, an Ischemic Stroke. I have been out of work since and it will take months to recover to a point I can return to my full time job, if ever. I had an MRI and a CT confirming the stroke and type. The language on the claim form clearly states: Did the patient have a stroke, meaning apoplexy, secondary to rupture or acute occlusion of a cerebral artery? YES All the hospital documentation was sent and Aflac DENIED my claim. There is small print verbiage about having permanent damage in order to qualify. Those areas of my brain are dead brain tissue (sounds permanent to me). I am struggling to regain what function I can. As of my claim, there is permanent damage from the very definition of stroke on the claim form. Will go to Insurance Commission next.

A gentlemen came to my job. Offered a quote. Told him I was unsure so he stated he would put thinking on down for me, now I’m getting paperwork stating I have now have a policy. No one seems to be able to help me get out of something I did not set up.

I have had my policy since 2017. In October of this year my wife was injured while at Universal Studios Fl. 3 days later she went to the emergency room with severe pain and numbness in her right arm. Of course they treated her for a possible heart attack even though she told them it was her neck. After they ruled out the heart problems they did several tests including an MRI. She was admitted and saw a Doctor the next morning. The Dr noted that she had 2 herniated discs in her neck and also noted the accident. She stayed in 3 more days and got an epidural before release. On 11/29 she had a cervical fusion done on the 2 discs.

I had a heart attack in June 2018 and filed a claim with my representative and agent. Mind you I have been paying for Aflac for 3 years at this point and never used it. I sat across the table with the 2 of them the day after I got out of the hospital. Had both these ladies looking at my policies on their computer. They had my name. My social. My birth date. They both looked over my policies and they both looked me in the eyes and told me that I was "going to make bank" off this. When it was time to pay my claim I was denied. The reason given to me was, and no lie here, they had the wrong policy pulled up. They claim to have had my sister's information instead of mine. How does this happen? They still had my married name on my policy so the last names weren't even the same.