Aflac Reviews

I purchased short-term disability through my work through Aflac. I became ill. My last day worked was October 31st. My doctor sign me off of work. It is now December 3rd and I still have not received one payment. More of the story. You pay for something that they do not give. Horrible.

AFLAC should have paid out for immunotherapy but instead says BCG immunotherapy under their guidelines is on their “list” (according to Rep) as chemotherapy. Of course payment is $200 less this way. American Cancer Society, Cancer.net, bcan.org and doctors refer to BCG treatment as immunotherapy. Ripping off long standing customers when they are down! Not cool AFLAC!

I submitted a claim on 11/01/2018 (group policy). Needless to say the claim was denied three time. The latest denial was 11/27/2018, after my doctor typed a letter stating that my recent diagnosis is not due pre-existing. I just spoke with someone by name of Deborah who stated my denial was based upon see a physician in May 2018 for preexisting by Dr. B. **. This is NOT true. Dr. ** referred me to the treating physician Dr. ** to be treated for a total separate injury (Haglund's Surgery). This surgery was performed in July by the Dr. **.

I sit here writing this review as I am on hold for 53+ minutes and counting. I will start off by saying that I was an active agent representing Aflac from 2001 through 2014 very proudly and qualified for many conventions. In JUNE, I began the process of separating my policies from my ex-husband and after COUNTLESS phone calls and promises to "escalate" the call and wait 5-7 business days, I am still waiting... I have spoken with Mikaela, Antonio, Gladys, Courtney, Wendy, Monique, Mark, Tyler, Sierra, Valerie... Would you like reference numbers???

An Aflac rep came to my job regarding short term benefits. I signed up for the service and filled out all of the paperwork. I started getting payroll deductions right away. I was never sent a policy number. I contacted the rep regarding this matter on going. I received a host of refund checks regarding my policy which was never started. I was asked by the rep to fill out another form to stop deductions which I did and sent back to him. The deductions continued.

We were assured by our agent that we were eligible for coverage. We weren’t able to submit an online claim because they had “accidentally” created two separate accounts (same name, different birthdays). So, we faxed in our initial 46 pages and snail mailed it on 11/2. Called to confirm 11/6 and they only had 21 pages. Re-faxed the 46 page document and they still can’t find it. Eventually they got the account sorted so we submitted another set of documents online. Still no word. No payment. Same story for our short term disability application. This is beyond unprofessional- it must be criminal fraud.

I began with AFLAC as a health 50 year old several years ago. I included 4 different policies, as each only pays for specific things. This year, unfortunately I experienced a health issue that had me hospitalized for a few days. I submitted my claim via mail in Aug. After 4 turn down notices for pending documents and 3 calls for more info, I just got the payment right before Thanksgiving, meanwhile the hospital bills came pouring in. I also had a procedure, that I was assured was covered via customer service call. I followed their instructions to the letter and online submitted the report needed. It was again turned down due to needing more documents. I resent what they asked for, and still haven't gotten the money a month later.

I have faithfully paid Aflac for short-term disability for over a year in preparation for maternity leave. As a younger teacher, I do not have a lot of days off accrued. I knew that my husband and I would heavily rely on my short-term disability to see us through maternity leave. Fast-forward a year and I’m pregnant with twins. I am unfortunately suffering from a significant DVT and was forced out of working much earlier than planned, or anticipated. This has undoubtedly placed a financial strain on us. I submitted a claim for my DVT thinking that let Aflac’s advertisements that I would be paid in a reasonable amount of time. That is NOT the case.

I have had a cancer policy with AFLAC since early 2008. It unfortunately became need in April 2016. Though payment was a bit slow, I did always received a payment if I followed up a week after I faxed a claim. Never a “one day pay”, but they say that’s only if you download and do it online which I am unable to do. Anyway, my cancer policy is needed again and I faxed all paperwork on 10/30. Simple items were requested for payment; mileage, blood tests, chemo, anti-nausea - these items were paid consistently before.

I have had Aflac accident insurance for more than 5 years and after my first claim am thoroughly disappointed in Aflac. I injured myself working in my backyard and didn't go to the doctor for the first 72 hours so my claim was denied, even though it led to me having major shoulder surgery and I have documentation proving I went to the doctor after 3 weeks. Aflac says that all this information was provided in my certificate, which I have never received. It did take me three weeks for Aflac to even receive my claim as the system they use provides no communication. I've always heard that Aflac is easy to work with and pays quickly for claims. In my experience this is total bunk. They make it extremely difficult to get any kind of information on your account of claim and do not pay for valid claims.

I had surgery 10/25/18. Submitted into Alfac all of the required paperwork. Now it starts, first they need something else from my employer, doctor and hospital. Every time I send in what they need something else needs to be sent over and over again. It’s all the same information. Now we go to they are reviewing it and it goes to the bottom of their pile every time I send them something. My rep is telling me this for NO ONE will get on the phone or it’s a 2 hour wait for customer service. I am sick to my stomach. I am broke and have to borrow money to eat because my disability that I have paid into for years won’t DO THE RIGHT THING. I am basically having a nervous breakdown over this. It’s almost a month. Do I send them my bill after my breakdown as well??? I have every email and text pertaining to this just in case this needs to further.

I will start at the beginning. When Aflac came to my place of work and informed us that we could have great, hassle free coverage in case of an emergency I signed up thinking that I would have a hassle fee experience. Unfortunately I found that the only hassle free was how easy it was for them to take my money. When I singed up I made the premium payment come directly out of my paycheck.

Aflac just recently 45 days into the policy. I don't know how they can advertise "submit by 3 PM and your money is in your account the next day!" **. This has been a nightmare. I submit what they want then they want something different! Delay, delay, delay! Dropping this crap asap!

Enrolled in Aflac's Group Critical Illness Plan through my employer. Have been diagnosed with a RARE 1-in-100,000 non-malignant brain tumor which requires a craniotomy and at least 3-months off work. Currently have hearing loss, diminishing vision and will have at least (hopefully not permanent) left sided facial paralysis. Claim was denied. Was told brain tumors are not a covered critical illness. While hearing loss/vision loss/paralysis are "included" in the plan, I would need to have hearing loss in both ears, vision loss in both eyes and/or paralysis of at least (2) limbs.

Customer service is very unprofessional and rude. I asked to speak to someone else because the lady yelled at me because she said she couldn't hear me and instead she hung up on me. I know this review will not change anything with the way AFLAC treat their customers but I'm hoping enough people will read this review and not do any business with this company. I will be canceling my coverage ASAP!!!

I am very disappointed with AFLAC. I have been a policyholder since 2002, just recently due to financial difficulty Aflac cancel my policy. I had explain to them previously that I was not working and disable and had a hard time keeping my payment. Even though it took a little longer to pay I always pay my premium. I spoke to a rep. today. She told me that I can reinstate the policy as a new one with no pre existing conditions. I cannot do that. I still suffer with the same problem. I cannot started all over with this policy... I am already waiting 6 month period between my 12 month of coverage because I have not return back to work. So I say this search other companies to see what they offer 'cause Aflac sucks. I am so very upset and disappoint. I need my coverage back...

Aflac's site encourages online payments, however, they do NOT make your payment history or amount owed accessible. This makes it impossible to know where you stand with previous payments without checking your bank transaction history. Or you could always call and wait on hold 20 minutes for a rep who could care less about you, your policy or your future business with Aflac. Out sick 2 weeks and was dropped like a hot sack of potatoes after 2 years as I apparently got behind a month last summer?? I guess accessibility of payment history might eliminate their reinstatement fees. Today, they just lost free money every month for a 'just in case' policy.

Have had Aflac for years for a short term disability policy. Was signed out of work for surgery on 10/12. All paperwork was filled out well before then and my HR company told me they submitted the claim documents via email on 10/15. I called on 10/25 as my 2 week elimination period ended on 10/26 - Aflac claims not to have received any documents. I called my HR company again who once again emailed the documents over. I called Aflac on 10/31 - they said they never received anything. I called my HR once again and had them fax the paperwork over. Finally on 11/1 Aflac said they had the paperwork. It is now 11/8. I am still waiting for an “adjuster to review” my claim. They cannot give me any indication of when that will be. They cannot tell me when they will start paying my claim. By the time I get any money I will be back at work (returning 11/14). This is not what I have paid for all these years.

6 weeks of complete incompetence and lost paperwork, they said my surgery (carpal tunnel) part isn’t covered and I received a measly $250 total for both hands! What a waste of time and $. We will be canceling and not renewing in 2019.

My wife had surgery August 27, 2018. Mailed/faxed everything Aflac required and have spoken with several customer service members. Every time they tell me to wait 3-5 businesses days! As of Nov 7th still waiting! Will not renew policy and have contacted an insurance lawyer about a class action suit after realizing that there are dozens of other people who have had similar issues with Aflac! Aflac is a waste of money.

AFLAC was offered through my employer at the end of 2017 for the year 2018. I signed up for the critical illness benefit. I never received a policy nor was any premium for the benefit ever taken out my check. 10 1/2 months later my employer tells me I owe AFLAC for all the premiums and that they refuse to discuss it with my HR rep. HR person told me this happened with several people. What BS! Looks like their negligence and I am paying for it. AFLAC is a rip off!!

Had surgery on my hand beginning of September. Paid money for my disability papers to be filled out. Dr told me recovery was anywhere from 8 to 12 weeks. Finally received my first disability payment October 2. Have been going back and forth with Aflac over my Hospitalization insurance for weeks now. Still no payment. They want more and more information that I end up paying for. Asked agent about my disability payment for this month while dealing with the Hospitalization policy. She told me I would have to "extend" my disability through Aflac. Received notice today from my Dr about wanting more money to fill out another disability form for Aflac. Why should I have to get another one? Aflac has all my information. When I get a release to go back, they would be notified. Don't waste your money paying Aflac anything!

My local agent has made so many mistakes submitting my claims. It is unreal. I have a spreadsheet documenting all mistakes. She even filed a claim for SOMEONE ELSE on my policy! Her boss won't respond.

Tomorrow is a MONTH since I had surgery. After numerous calls to Aflac (with multiple-hour wait times), my claim status finally went under review 4 business days ago, after my sales rep called on my behalf. I called again today (because 24 hour claim service) and the girl tells me it looks like it will be denied. The reason she gave is that the surgery was for a pre-existing condition, and it is within the first 12 months of the policy. Not true!!! I did see a doctor before the policy began, but tests were run and they found nothing wrong. Then after the policy started, I went back to the doctor. She ran tests again but this time found a condition with precancerous cells, and referred me to an oncologist who then did my surgery. How can it be a pre-existing condition when there was no diagnosis until after the policy started??

Very disappointed with recent experience with AFLAC. Had Rotator Cuff shoulder/bicep surgery Sept 27. I received the benefit for the rotator cuff repair and was told by 2 different customer service reps that I should receive benefits for the bicep/tendon repair as well since my surgeon had to reconnect it as it was torn from the bone.

I have been with Aflac for the past 3 years, always paid on time. This past July I lost one of my children in a auto accident. I'm a single mom of now 4. I submitted all the supporting documents requested of me. Yes Aflac paid but now the aftermath my policies were reinstated 2 months later for the hospital, and 3 months for my accident and yes I had to pay for their error. On 9/21 my daughter and I were in a not at fault auto accident. Yet again I submitted the supporting documents, police report, itemize bill, even pictures of the accident. They denied my accident claim stating treatment not verified. Not to mention I had to upload all the documents about 6 times. Every rep said to file a new claim. Still denied, majority of my claims over the prior years haven't had all the benefits paid. But my question is how can treatment not be verified and you have everything in front of you?

I had an injury occurred on 3/4/2018. After visiting the ER on the same day, ER was an in and out visit as always. After a few weeks, still having problems, so I decided to follow up with specialist as recommended by ER. Problem continued so specialist decided, surgery was needed in August 2018. Surgery performed on 10/2018. After claim submitted with all documents 2 weeks, later, I hear nothing and get from representative stating claim is in review and may need to submit more documents based on the diagnosis given from ER.

I will have to say in the very beginning after my cancer diagnosis I was extremely thankful for my Aflac policy. Not sure what I would have done without it. But as time, years, has gone on it has become impossible to collect on my disability and beginning to become impossible to collect what is expected and communicated for my cancer policy. Almost feels like an auto policy. If you have too many claims they're going to cancel you. In this instance they're not canceling me they're just denying every claim I send. Even after sending the documentation that they asked for and speaking with supervisors who understand what I'm saying and trying to get across only to get to an auditor that has no idea and denies!

I had to have two knee surgeries. Aflac paid the first one, on 03/18/2018, with little problems. The second surgery, 9/25/18, payment as had a major problem. Aflac fouled up and did not ask the right questions on the second surgery. All the correct paperwork was sent in at the correct time. I need money for bills. Late fees will be applied if not paid on time. Now it could take 30 days to get paid. What am I to do about my bills. This is not right. What am I supposed to do?

I just called today to get an update on my disability claim. Well the representative told me that my claim was denied because my illness started prior to my policy. She said the doctor wrote that I first saw them on 4/18/2018. This is a big lie because I saw my doctor about my illness on 09/18/18. I have been out of work since 09/21/18. I went and check the doctor’s part of the claim form and the doctor states that my first visit for the illness was 09/18/18. Now, where did Aflac got the information that my illness started prior to my policy?

Recently my wife had surgery on knee to remove fragments of bone that had broken off. Will be out of work for 2 weeks. Talked with our rep from Aflac and was told there had to be an exact date as to when this happened. Have no idea when and where this took place. Not able to file anything is what we were told. Don't know how anyone could give an exact date on something like this. This supplemental insurance is a total waste of time. I do not recommend it to anyone.

Every time you call someone tells you something different... Are they not all looking at the same information on the computer. Filed a claim 3 weeks ago and still waiting. What happened to the 24 hrs ad? Lies!

In 2009 I had a mild heart attack and a stent inserted. I have regularly seen a cardiologist since and get early stress tests. The only prescription I have had, long-term, since then in ** for cholesterol. In late 2016 Aflac had a sign up held at my company. I then purchased a Specified Health Event policy. Starting in January 2017 premiums were deducted from my paycheck every payday. In June of 2018 I had a heart attack and a triple bypass operation. In mid July 2018 I filed a claim with Aflac submitting all paperwork I had received. Received a letter from Aflac on July 30th with a Claim Authorization form requesting my signature so I immediately signed and mailed it back. On August 1st I called Aflac to ensure they had all the info they needed. I was told that they needed more info from the hospital (charts, EKGs...) so I went by the hospital records and had them fax all my info to Aflac.

Extremely poor customer service with Aflac! I called yesterday to make changes to my policy, I had to wait on hold for 50 minutes and then when the rep came on the phone I was told they couldn’t help me because they were closed! Then why answer the phone at all! So I wait and call the next day only to be put on hold again forever. After an extremely long hold time I’m then told I need to call my agent to make changes. They could have told me that during the first call! So ok I call my agent and get a message that she’s out of the country until Nov 1st, but I need changes made ASAP! Her voicemail gives the number of another agent, whom I call and get no response at all! WORST customer service ever! So now what do I do?!?

I’m so annoyed with Aflac. I’m thinking of canceling it. Seems like the claims are not properly paid out and anytime I file a claim that supposedly pays out more than $100 I get denied. I don’t understand the policy but next open enrollment I’m out.

I have been out of work for a month due to illness. I file a disability claim beginning of the month. When I logged on their website to view my claim status, it shows that additional document is required to process my claim. I did not receive any letter stating what specific document is required. I called Aflac customer service and was told that they are requesting a proof of income. The representative said I could upload my pay stub as a proof of income. I logged on again to upload the document and it wouldn't let me. I called the next day and another representative said I couldn't upload it because it has to come from my employer. No. How do you ask me to upload a document online and now it has to be uploaded by my employer? I told her that my employer don't have access to my account and they shouldn't. She said I can email it to her and she would upload it. I emailed my pay stub and didn't hear back from Aflac for 2 weeks.

I tore a ligament in my thumb from getting hurt at work. My accident policy states I will receive $200 for the ER and $70 for x-rays. I received $170 for the ER and $30 for x-rays. My policy says it pays $625 for ligament surgery. I had surgery today. I'm sure now it will be nothing near that amount now. I will have Dr visits, physical therapy etc. They will need to pay that as well. I plan on consulting with my attorney and once this is over, I will be cancelling this policy. I've done the majority of the work on this myself. I'm really disappointed. But Aflac has shown me they're nothing but a big, greedy insurance company that cares way more about how much their CEOS and shareholders profit than they'll EVER care about their policyholder’s health and well being.

Aflac itself has unique insurance products. They pay cash to policyholders when you get sick or hurt. It helped me a lot with unexpected out of pocket medical bills. Each plan covers different things. Cancer plans cover cancer, accident plans cover accidents, etc. Aflac pays me quickly for claims, which I really appreciate that they are not like most insurance companies that take forever to process claims. BUT, you really want to make sure you deal with an agent who has been with Aflac for a while. Someone you know who is going to be there when you need help with a claim. Someone who knows their products inside and out. This makes ALL difference when it comes to your Aflac experience. There are thousands of Aflac reps, find a good one! My rep is Becky **. She rocks and you can google her.

There have been ongoing issue with my claim for months. I did at one point have a supervisor involved who seemed to care and resubmit the claim BUT then she disappeared too. I have REPEATEDLY tried to resolve this issue by calling and emailing and NO RESPONSE. The only thing close is an email on Oct 11 stating that Alfac received my submission. I'm assuming that was ANOTHER UB04 form for Aflac's review. I even had the Hospital redo and send the UB04 form AGAIN and still no response. Considering the hold time on all calls in Aflac CS are 1-2 hours ones would think that someone would at the very least answer emails. I have been with Aflac for a very very long time and have never had these types of problems. It appears something is going very wrong at Aflac based on how I have been treated with this recent claim. It would be GREAT if someone could contact me ASAP.

I am so happy that 8 years ago I enrolled in my family Aflac plans. My son had an accident which caused him to need emergency surgery and be in the hospital for 5 days. As a single Mom my family would have not been able to absorb the bills this event created. Thank you Aflac. That direct deposit made my day.

I have been an AFLAC policyholder 8 years. I have about five different plans with AFLAC. I enrolled in these plans because I am on the road a lot and want to have an extra protection. I am very grateful that I have never had to use my AFLAC for serious things. However, I have used my plans for everyday things that can happen like falling on my knee, wellness, and even having a tooth injury. The claims process is as simple as using Aflac’s app. I highly recommend AFLAC!

I've had Aflac since 2007. I love to play basketball and felt that the Accident plan would be a smart investment. Luckily I had it when I landed awkwardly and sprained my foot really badly. I ended up going to the ER, visiting my doctor, getting an MRI and doing physical therapy. The $800 I got from Aflac helped a lot with my co-pays and out of pocket expenses.

My only issue is I was lied to. I was told about reimbursement for Dr.'s visits and hospital stays. Long story short my claims for eye dr. visits and dental visits were denied each time. Oh, and not to mention the run around to get a $60 reimbursement for my hospital stay. I'm so excited to cancel this coverage, or lack thereof.

I have had Aflac policies for 23 years and I have always been impressed with how quickly Aflac pays the claim. I've even had a couple of kind of questionable claims maybe a gray area when it comes to like an accident claim and they have always cited with me the policyholder Aflac is an awesome company. Thank you for always being there.

I’ve had Aflac’s products well over 10 years beginning with the accident and cancer plan and now expanding my ‘portfolio’ to include life, critical illness and vision. I recently stepped out of my car and my knee started hurting. The next day it was worse so I called my chiropractor and went in. He was able to adjust it and I picked up the notes as I walked out. I went home and got on my portal, filled out the online claim and scanned and uploaded the notes. The very next morning I had $120 in my account! I’ve had this sort of thing happen many times over the years. I love my Aflac!!

I fell and cracked my rotator cuff and have health insurance. If it was not for the $1250 Aflac paid me I would have swiped $2200 on my credit card. I will get more my agent tells me if I have the surgery done. I have health insurance that I pay over $700 each month for an individual plan. Aflac claims process was great. I was paid in 24 hours direct deposited into my bank account. If you read a bad review of this company it has to be a mistake because everyone at our job thinks they are just amazing.

Filed a claim 3.5 weeks ago with my assigned rep. Was given the appropriate paperwork and returned all to the rep. He failed to fax the paperwork and was noncommunicative for over 5 days, would not answer his phone or return my voicemails or reply to emails and texts. I was forced to call and be on hold with their support line for over 2.5 hrs just to be told that my Rep never turned in my paperwork. When I asked them if the 3 documents I have are all I need to be submitted so they can process my claim they assured me that is all they need and I would be paid in 4 days.

Updated on 01/13/2019: So I have been paying for Aflac for 2 years and got put on short term disability in August for COPD and AFib. Had to write my first review here just to get paid 3 months later and then by then my employer had stopped paying my premiums and Aflac "sent me a reinstatement letter" I never got. I filled it out and paid my first month's premiums myself. But guess what? Now I'm not eligible for disability because I have been to the hospital in the past 12 months... What... Thieves. Do not get Aflac.

I have a short term disability policy with Aflac which is completely worthless. I was told if I was out of work due to a disability, they would cover a large percentage of my missing income but when I filed a claim following a debilitating hip surgery, my claim was denied. When I called to cancel the policy, they put me on hold for 90min and transferred me to three different people. Don’t waste your time with Aflac, they should be put out of business.

Spent 2 hours plus on the phone just to try and cancel my policy! But it took them 2.5 seconds to snatch 80$ out of my account smh! To cancel my policy and for my refund I have to be on hold for hours! Smh JUST CANCEL MY POLICY PLEASE!!!

I have called in several times about my Aflac group policy employee # **, I have a claimed submitted for date of 5/3/18 when my son was born and I was paid out for only 1 day of hospital confinement and my son was born with jaundice and had to be circumcised therefore he was confined to the hospital for 3-4 days which my hospital documentation so I'm not understanding why I cannot get my claim paid out. This has been sent to escalations on 3 occasions and I still have not received anything and I am fed up at this point. I can be reached at ** to discuss this further.

I started with the disability policy in September 2017. While signing up with my Aflac representative I informed her that I was taking out this policy for the maternity benefits. I informed her that we were actively trying to have a baby at the time, but that I was not currently pregnant. I asked her if I would be covered by the Aflac disability benefits if I were to become pregnant the following month of September, which would be when my policy would go into effect. She informed me that yes I would be covered. I ended up getting pregnant in September and carried on with my Aflac insurance.

On July 25, 2018, I went to ED for numbness in my foot, couldn't urinate, and severe lower back pain. Had surgery that night, removed 2/3's of my L4/L5 disc. Was off 5 weeks, and was not paid the first 14 days. I have signed releases and have sent numerous documents Aflac has asked for, but I still get the runaround. My surgeon even wrote me a note stating how it happened like they asked. I send documents in, and they ask for more. This is the crappiest insurance I have ever dealt with. I'm the breadwinner of a family 5. I wouldn't recommend this insurance to a dead animal.

If I could give zero stars, I would. But I can't so excuse the 1 star. I seen and purchased 3 policies with Aflac in the month of February 2018. Money was automatically taken from my paycheck, starting March 2018. Needless to say I was advised on August 15, 2018, that I was not covered by Aflac, after I put in a Dental claim. I spoke to a new representative and was advised my policy will start September 2018 and money that was paid will be placed into my aflac account and I would not have to pay anything for the next 5 months. Well.. I found out they kept money and continue to take money. Then I ended up in the hospital and had to have emergency surgery.

Spoke to Krista Oct 2017. Asked if false heart attack was covered. Emergency room, etc. claim was denied. After 3 emails covering 30 days with no acknowledgment of claim by mail or phone I was forced to send certificated mail to confirm receipt. Very disappointed what I told was covered – wasn’t. I am cancelling policy.

In 2017 my husband and I decided to try and get pregnant. The law firm I work for connected me with a local AFLAC representative, and I signed up for a short term disability. I was assured that as long as I became pregnant after January 1, 2018, which was when the policy started, I would be covered. That was stated to me in an email from the representative, and I do have that email. I became pregnant in early January. I just had my baby via c-section. My husband is in the Navy on active duty, and because of a kink in their payroll system he will not be getting paid until mid-November. He will receive back pay, but in the meantime neither of us are getting paid. I am home alone with the baby and two older children. AFLAC denied my claim for no discernible reason. I am heartbroken.

I purchased a policy Thru work 2017. April 2018 stubbed left toe, waited until July and had checked for continued pain. Also pain in right foot. Left toe broken in 2 places with no signs of healing, right fractured 4th metatarsal. Long story short, post-surgery checkup stopped at forms office and got all Dr's surgery notes and had I waited just a few days could have had billing right there. It's helpful to know what you need for sure but I actually have agent who comes to my house and picks up papers and handles everything. You can also register online and have direct deposit for Aflac checks to go straight to bank. Always talk to agent, they should be willing to help.

Husband was admitted to a hospital for 3 days before being transported to another hospital after performing an angiogram for an additional 12 days for a quadruple bypass. He has been paying for his policy since 2014. We have only used it this one time due to him being out of work and no income. I filled out a claim form, included discharge paperwork for only one hospital confinement since the policy only covers one stay every 90 days (which I understand), and a copy of the angiogram report to keep things simple.

I fell through a tin roof and lacerated my Achilles heel/tendon. The insurance paid 50 instead of 200 because the doctor wrote 5 cm which is .1 of an inch less than 2 inches. The doctor didn't use a measuring tape. It's more than 2 inches long. Aflac didn't pay off for torn Achilles tendon because doc didn't specify multiple or single tear, but doctor did say tendon was lacerated. Then how about pay the lesser amount? Aflac didnt pay for crutches or boot, said they didn't see it on paperwork but it's common sense with the injury I had? Aflac doesn't understand doctors aren't thinking about their claims process and it feels Aflac tries to go cheap and split hairs to save a dollar. I'll probably cancel this insurance.

I have subscribed to Aflac Critical Care insurance for several years, and only filed my first claim in the past month. First, I was surprised to find out that they do not have a web portal for Group Critical Care to login in, and check the status of anything. Second, I called customer service and had them email the claim form to me, of which I filled out and included all requested documentation. A week later 'I called to check for a status' - what happened to you will receive your check the next day? I received no claim number via email, or phone, of which they had both. Third, I had not heard anything in a couple of weeks, only to call today and find out it was denied because they do not cover my particular type of skin cancer. So I asked for the documentation that says that, because it was not stated in any of my documentation. I wish I had checked Aflac's ratings before subscribing.

I purchased my policy the end of November 2015. Sales man (I recorded) stated if credit card information was given to him before December 1st 2015 my policy would begin starting December. Premium in its entirety was taken out of my bank account but not until December 29th 2015. June 8th 2016 I received a kidney transplant due to kidney failure. Donor was anomalous and donated the kidney in May 2016. Now finally in September 2018 I received a denial letter from AFLAC notifying me my policy did not start until December 23rd 2015.

*Always read the fine print before signing.* I had make many phone calls and wrote many emails to get a thorough “Aflac definition” of what the “Accident Plan” meant. Apparently going to an emergency room having a “CT Scan” done that resulted in a emergency “surgical procedure,” and being an inpatient for two days doesn’t fall under any of the Accident Emergency Treatment Plan benefits. No one plans for an emergency surgery. As Aflac said “just because you go to the emergency room doesn’t mean those services fall under the accident plan. Because it wasn’t a result of something or someone causing it.” I thought having an emergency surgery was a perfect definition of an accident. Next time anyone signs up for Aflac, read the fine print Aflac has presented, and in each of those plans they offer you. This Fortune 500 and 60 billion dollar company hasn’t gotten this far by not swindling their customers.

Made two phone calls to AFLAC C/S trying to cancel my Cancer Policy. Policy has been in effect since 1984. With each phone call once I was transferred to whomever, waited for over 1/2 hour. Hung up and sent two faxes to the Policyholder Services, no response as of 10/5/18, went to AFLAC site and sent message via contact email. Still no response. This has to be the worst C/S I have ever encountered with any company. Not even the courtesy of a reply. Very frustrating. At wit's end trying to get some answers.

I have been a loyal AFLAC policyholder since 2005. My short term disability policy was recently terminated because of missed payment. I completed the reinstatement paperwork and sent in premium payment as requested. My check was cashed within a few days. I called AFLAC three times to find out the status of my reinstatement. I learned yesterday after several weeks of trying to get an answer that my policy will not be reinstated because I have asthma and was recently off work for ten days. AFLAC did pay me for my days off.

I fell out of the shower at home. Broke my index finger badly. I have sent in all info Aflac asked for including operative report. I was denied surgery benefit because they said it wasn't an ORIF. Um okay I had pins drilled thru my fingers and open reduction. I called my surgeon and spoke with the nurse who said I did indeed have an ORIF surgery not a CRIF. Anyway that was on Aug 09, 2018 and it's now Oct 4, 2018 and they are still reviewing my case over and over. No response. This is ridiculous. I am ready to cancel my policy with them.

I filed my claim and all the supporting documents and never heard back then called the company and was told I was denied because I did not have an overnight stay. I stayed 5 days. A few days later I received a letter saying I was denied because policy did not cover surgery. I filed appeal and mailed it priority and have yet to receive an acknowledgment. I had always heard this was a good company but I have seen for myself what this company is about. I am out of work for 3 months.

I injured myself and herniated 3 discs in my neck. I had to have surgery to replace one disc and fuse my neck together. I have sent in now 72 pages of medical records to AFLAC. I sent in exactly what is stated on my "ACCIDENT CLAIM FORM INSTRUCTIONS". I sent in my UB04, admission and discharge from the urgent care, emergency room, and hospital, surgical report, itemized bills, physical therapy receipts and notes, Xray, CT scan, and MRI results, referrals to specialists, and other documentation. This is not enough info. Even though this is everything that is stated on the form they mailed me with what they want. They are saying I need to prove this is from an accident. How else do you herniate 3 discs in your neck?

I purchased an Aflac Cancer Policy in 2011 when a sales rep came to my workplace. The rep, Jackie, worked at the ledge by my desk and my coworkers and I were lined up awaiting our turn. There was no privacy whatsoever - which should have been the first red flag. So when it was my turn, she rushed through a summary of what my policy could 'do for me' and asked me personal medical questions - in front of all my co-workers. I use quotation marks around the words 'do for me' because this policy did nothing for me. I agreed to purchase the policy with an extra cost for 'first occurrence benefit rider' which, Jackie told me, would pay me money the first time I receive a cancer diagnosis. THAT WAS A LIE!!!

I had carpal tunnel surgery and I was told I could file it on my insurance. I have accident and cancer insurance. This did not happen at work. I was hurt at home. I've looked up numerous times to see if they pay for it and it says they do pay it. Outpatient surgery which I had. Anesthesia which I had. They have denied me twice. I'm going to take away this policy because it's a bullcrap policy. Plus the customer service is crappy as well. The attitude is too much.

I have never had such poor customer service in all my life! I have a very complicated situation in that I was admitted to the hospital and had brain surgery in June, misdiagnosed with lymphoma and then finally correctly diagnosed with uterine cancer in July. I called AFLAC to explain my situation as it was quite complicated and the rep advised me to write up a summary of the events and include it with an authorization form so that they could take care of getting the documents. This rep's name was Bree and she was the only person who has been helpful. Even though I was only several weeks post brain surgery I did that and sent it all in. Got an email from them saying they got it.

I have had Aflac for 4 years and never had an issue getting a claim paid, I had an accident in August and had to have surgery and they paid those claims with no issue. Now I am filing my disability paperwork and they have denied my disability for the 5 weeks I was off work because they say it wasn't due to an accident. I hopped off a trailer and landed on even ground and broke my ankle in 3 places. How is that not an accident? They paid for the injury and surgery for the same accident. I am not happy about this. Why do I pay to have disability if I can't use it?

I had, repeat HAD, Aflac for several years. We since cancelled both of our policies sick and accident due to the fact that all they do is request nonsense paperwork when they had all information I kept sending them. My neck surgery was in April 2018 and during recuperation I was constantly being asked for more paperwork in order to complete my claim. I continued to send documents after document, while I was in excruciating pain just going back and forth with faxes, scans, and emails. All Aflac did, was waste my time. I was trying so hard to recuperate. I was out of work for 3 solid months with zero income. In addition, they make it impossible to communicate with someone in person to speak to. It is a darn right shame they can continue to take people's money and still make false commercials about their claims. Both my husband and I have cancelled all 4 of our policies Never to repeat that again. Amazing that AFLAC could care less!

I’ve been waiting for my claim to be processed. Going on 6 weeks now. Aflac continues to pepper my doc office with the same paperwork requests at least 3 separate times. They're looking for a pre-existing condition that doesn’t exist for the past year. Because the dates my physician don’t disqualify my claim, now we’re wasting more time looking for medical records. This is all well and fine because they’re going to find nothing as I haven’t been treated for neuropathy ever!

I have been lied to over and over giving different dates. Was told today at 8:08 it was in last stage then call back. Was told it not even been looked at then she says, "I'll expedite it," and that's another 4 days. This place is a joke. I have malignant ovarian cancer. I have critical care.

I enrolled thru my workplace. I had left my job with them and continue to pay the premiums. I had spinal stenosis with cervical disc disorder. I needed to have neck surgery as the nerve pain was causing much discomfort. I fill out the paperwork as in their policy and how they come across that they will pay for being unemployed in which I couldn't work with my arm as it was swollen with nerve pain radiating down to my palms. I was denied their reason for them denying me was that I could not show documentation to support being unable to perform two or more ADL. Also my surgeon put ambulatory, really! I had visiting nurses come to my home. When I see their commercials I see that they are misleading. I wish I would have looked at all the reviews first before paying for this policy for over a year.

I got hurt at work on 9/4/18. I sought medical attention from my employer’s RN immediately. I fractured my ankle at work and my foot immediately swelled up. I had to wait to get an orthopedic appointment and with Rosh Hashanah had to wait a week. I didn’t go to urgent care because my experience with urgent care hasn’t been great. I didn’t go to ER because I don’t want to get XYZ doctor on call. My daughter got hurt went to ER and she got an inexperienced orthopedic. This is my leg and I need it to walk. Aflac rejected my claim bc they said it wasn’t within the 72 hours. I have documentation stating that I was seen by an RN stat. I’m so upset. I’m a single mom with 4 kids and they rejected a legitimate claim.

Please everyone read and make sure they don't lie to you as well. Let's see. I have been waiting for a claim for 5 months. Even when they say it's only one day or up to 3 days we pay claims. They have been stalling by saying we need paperwork asking for proof of income after I sent in my 2017 taxes, 5 paystubs and calling my manager to check what I sent in was true and it was. So after 5 month on customer service lying to me almost everyday I called until they had no more lies to say to me then we I asked to speak to the manager/supervisor. I get the response of not approved.

I sent a registered package to AFLAC, with a Certified Mail Receipt (to have a postcard returned to me after they receive the package). I sent the package on 30 Aug 2018. On 18 Sept 2018, eighteen days later, I called to verify they received it, and was told they had NOT received it. I called the Post Office, they said AFLAC received the package on 5 Sept 2018. I received the postcard with a STAMPED signature. I called back on 19 Sept 2018, and the representative assured me that she would call me that day, or the next with an update.

I'm an office administrator and AFLAC customer for years, never had any problems till this happened. In May my husband had an accident at church playing ball with the Deacons and children. We went to our primary doctor the next day, the doctor referred and scheduled an XRay and MRI same week. MRI revealed torn Achilles. Spoke with an AFLAC representative as well as other office workers on the process and necessary paperwork to submit a claim. Forms sent, claim denied - AFLAC stated there was no medical evidence of diagnosis or treatment due to acute accidental injury. I appealed, I called spoke with a representative for clarity, as well as visited the Orthopaedic Doctor and Medical Records to show documentation as to what AFLAC was requesting. Documentations sent in timely fashion. Long story short, it's September, after being affected by Hurricane Florence flooding in our area, no mail for 7 days because of flooding.

I got Aflac over a month before I had my surgery. I thought everything was alright. I filed my short term disability claim right before I went in for the surgery. I waited ALL of August to get paid. They had sent my employer the wrong form and then had to resend the correct form. The employer filled it out and sent it back. My rep, Ludwing, kept reassuring me that everything was fine. Ludwing told I had to pay one month of the policy. I did and I was told that I should receive payment on Sept 13. Well that date came and went with no payment. I was then told Sept 25.

I have been a faithful AFLAC customer for at least 6-8 years. In my area it has been harder and harder to get answers from an agent, because they can’t seem to keep them. My husband was at the ER and sent by ambulance to another larger hospital. The claim was filed, and NOT APPROVED. The notation just says allow 5-7 days for details that have been mailed. That was over 3 weeks ago. I filed a claim on me, I was the hospital from a Wednesday to Saturday, and again, my claim was not approved. I feel that customer service is nonexistent. When you call the 1-800 number you are on hold for well over an hour, and no one who works has this kind of time to call from their job. I spend more on AFLAC than I do on my health insurance monthly and feel like I have been scammed. One day pay, what a joke, I can’t even get one month pay. I can’t get any answers, no help, no nothing.

I have had this policy for almost 3 years. Never filed a claim on it. My husband had to have urgent open heart surgery in July of 2018. I sent my first claim form along with the UB form only to receive a letter that the claim was denied. I contacted my regional office. They said to send a copy of the hospital records to them and they would forward to corporate office in GA. I obtained and sent a complete set of records from the hospital thru their office. They sent a 2nd submittal. The second time I was never notified the claim was again denied.

I've had kidney failure for 3 yrs. Recently I received a transplant 07/18/18. I've been off from work since that day. I filed a claim via email on 08/27/18. Never received a confirmation email or no correspondence from Aflac whatsoever. So I called on 09/11/18 only to be told to call back in 3-5 days that they were checking into my premium payments. I'm not understanding what there is to check, my premium payments are deducted from my paycheck every 2 weeks. So there is no issue there. I called again on today 09/18/18 only to be told to call back in 24 to 48 hrs because there has been no update on my claim status since last Monday. Sept. 10, 2018. I'm starting to feel like this is the beginnings of them giving me the runaround.

Back in 2004 when I was diagnosed with breast cancer my AFLAC rep. Debbie ** took care of ALL my paperwork & I never ONCE had to search for information, take time off from work to chase paperwork down & spend my breaks & lunchtime to call for yet more documentation like I have since my recent fall in May. It's now September & I STILL need MORE documentation. My current rep has told me anything from "AFLAC doesn't like to call for documentation because it costs them for each page copy to be sent" to "(most recently) We need a UB04 copy from the hospital" which 3 months ago they never once told me. I even asked for additional help in getting these documents as my sister was gravely ill in I.C.U. and I needed to pay full attention to her. Once this is settled I'm expecting to cancel all of my policies. I've paid enough this year to have taken care of MY hospital bill myself. I feel as I've wasted my money.

I bought this policy in November. Tony an agent for city hall he sells us polices. He did tell me the only way to get short term was if I had a complication because my policy wasn’t active for 270 days. I told him If that’s the only way I’d rather not get short term. Turns out I went to the hospital July 10th 2018 for contractions. As I’m being monitored my baby heart rate started to drop and he was tangled In his umbilical cord, because of that I had to an emergency c section for fetal distress. I was not delivering him when this occurred. I don’t know what it’s like to attempt to push out a baby vaginally.

I am sick to death of trying to get AFLAC on the ball with my claim. I was injured on the job last year, October 26, 2017 to be exact. I have been getting basically zero help from AFLAC in processing my claim. They take about $90 out of my paycheck every month and do nothing to assist me. It is in my opinion their responsibility to attain the necessary documents to complete my accident claim. I am getting ready to drop AFLAC and I strongly advise against getting a policy with them. You might as well set your money on fire, it is a useless endeavor. Be warned. This site forces you to give at least one star, they do not even deserve that.

Signed up for short term disability policy last year as I was about to be trying to have another baby. I was told to wait 30 days after my policy began to start trying. I did that and was fortunate enough to get pregnant the first month of trying. I kept paying into my policy month after month during my pregnancy, keeping in contact with the Aflac rep. I gave birth and sent in all the paperwork, to be denied because I gave birth one day before their 10 month rule, according to the representative I was working with. I was not told 10 months, I was told 30 days after my policy started I could start trying to get pregnant, in order to be eligible for benefits.

I have had Aflac since November 2016 in which I bought most of their products AD&D, Life, Cancer, STD, Hospital Indemnity, and Cancer. I never had to use it until I had a baby this past summer and submitting the paperwork was a fairly simple process, however, Aflac did not pay what was stated in my policy. I was promoted and issued a raise March 2018. I added on an additional rider to include this increase. I took STD leave in August 2018 and they will only pay the original amount of the policy that’s nowhere near what I my new salary is. I am very disappointed as I have been paying an additional amount to ensure that I was covered. It seems as though even when you abide by the rules you still never get the best outcome. At this time I am considering canceling my policies and going elsewhere.

My husband and I have had three policies with AFLAC through my work for over 7 years. During that time, we've had occasion to file claims under each of the policies (cancer, specified event and accident). We have had nothing but great experiences with AFLAC - very responsive and quick to pay. Also, my AFLAC agent is great, very helpful. I would recommend AFLAC to anyone.

I have an Aflac insurance for almost 10 years now. They were always great. At the beginning of this year, I had a relapse of Lymphoma for the third time in 6 years. I have chosen to get an experimental drug treatment in Canada. I could choose between NY city (about 5 hours away ) where I don't know anybody or Canada (only 1 hour away) from the little border time I live, and where I have friends who can always assist me if I don't feel well following my treatment. And this is where I encounter a lot of problems with Aflac. My policy states, that a policyholder will be paid for blood transfusions and hospitalization. Nowhere in my Policy is stated that I can't have a cancer treatment internationally. I have had 8 blood transfusions on the outpatient basis and 6 blood transfusion on the inpatient basis. I was hospitalized for 3 days /9 days and 21 days. I was paid 0 dollars.

In October of 2017 My hand got infected on both hands from scars I used from work. On 11/17/2017 my hands got really bad. I winded up off and on from that date. I am still suffering from it. I just need my money. I still have not received it and I have major bills that I need to pay yesterday. I would not suggest this company to anyone. I have late payment to be paid now or I may lose my home by Friday. Stop taking our money and keeping it. That is STEALING.

HORRIBLE!! I wish I could give no stars! They want your money but don't wanna pay out. Monica ** (agent) came to my job in April. I signed up for all 3 policies she offered, she said at that time they didn't have a cancer policy. July comes and I felt a lump on my breast. I called her to let her know I was getting a biopsy, she said she'd be at my job the following day to sign me up for the cancer policy. A few days later it was confirmed cancer. I called Aflac and learned they always had a cancer policy to offer. It was going from paper to computer input and in April she was too lazy to do the paperwork! After it was confirmed she text me she was CANCELING my cancer policy. I told her NO!!

My entire family has Aflac's Accident and Hospital policy through our family owned business. My mother had a stint put in and a few months later she was in a car accident. Aflac paid her for both claims. The stint claim did take some time, but I was diligent and kept record of everyone I spoke with at Aflac and her doctor's offices, and she was eventually paid. She was paid quickly (about 5 days via mail) for the car accident. I've put in 3 claims for my children, when they were injured, and was paid for all 3. I have direct deposit and once my claims were approved the payment was deposited in 1 day. In my experience Aflac is great, and as long as you understand your policies and submit your completed claims properly, you'll appreciate having it.

Actually no stars, customer service HORRIBLE!!! I have 2 deductions coming out of my check. 1 critical illness LLC. 2 group accident LLC. I hurt my back in March not work related, I had ended up having a herniated disc. And was out for 3 months. I called them and explained. They said they would send the paperwork out for me to fill out. Also my initial doctor visit, follow ups and therapy. I would get some reimbursement! Sounds easy right?

After signing up for this so called insurance, I found out through my fiancee we were already covered. I tried cancelling it and my rep Annette ** said I couldn't. After only having it for a couple of weeks she said I could only cancel in my open enrollment period which is April. So I have to throw away all this damn money for a whole year! Do not sign up! SCAMMM!!!

My complaint is about critical illness with Aflac. My husband is a P.E. teacher and we have had this coverage for several years in hopes if something ever happened to us we would be covered. He got diagnosed with a very serious disease that left him almost unable to walk. He immediately got placed out of work and has had to take steps back to recovery. We filed a claim just knowing we would be covered through our Critical Illness. WRONG! They denied us because his disease was not listed on their short list of what they consider CRITICALLY ILL! I think it's time for AFLAC to revise their definition of what being critically ill means.

I had Aflac dental insurance and tried to use it. That is when I found out that I pay everything out of pocket and they are supposed to reimburse me. I filed my claim with them, they said they would repay me. It has been 6 months and I have never seen a dime. Aflac are nothing but con artists. Will never do business with them again.

Aflac came to me through my employer and I figured it was something nice that protects me and not insurance companies. I ended up injuring myself and needed to file a claim but the only way they accept claims is via mail or fax. Most business don't even have fax anymore and the ones that do charge 2 dollars a page. Mailing takes months and judging by the reviews I can't afford to wait forever. I don't have enough money to pay my medical bills let alone run around paying 15 dollars per fax. This company needs to update to modern technology and start doing claims by email. Aflac was supposed to be for my convenience and peace of mind. Instead it's been more like a hassle and waste of time.

I recent filed a claim for a surgical procedure in which I stayed in the hospital overnight. Come to find out I was denied and nothing was covered, I spoke to a representative prior to my surgery and I was told that some of my stay would be covered whether it be observation or admission. Every time I called I spoke to someone different and had to explain multiple times and fax documents over repeatedly since July 30. I am going to drop this insurance when my enrollment period is up and I am going to let my coworkers know do not use this insurance, it is pretty much a waste of money and time dealing with this company. I would never use this company again.

Prior to this horrible experience, I would have given AFLAC a 5 star review, I am giving the company 1 star (I would have given less if I was given that choice). In the past AFLAC evidently had a dedicated cancer team of auditors, it was great, you submitted your claims you were paid almost immediately. You know the saying "if it ain't broke, don't fix it". The company fixed it, now it is a mess.

It is kind of frustrating when you can’t seem to speak to someone and get the problems with your claim resolved... definitely going to be ending my policy if I can’t speak to someone who actually knows how to resolve my issue. It’s been 6 weeks since I filed my claim and have yet to heard back from them. I always get the runaround saying “oh we need this or this.” Just terrible.

I filed a claim for 6/9/2018 as I was admitted to the hospital. My agent advised the forms I needed to complete and that I would need the 1500 form as well as the UB40. I sent everything and my agent filed the claim. After a week I was advised that I needed 12 mos of medical records. So once again I leave work early and go to the hospital to collect more info. My agent advised as my policy wasn’t a year old I needed that many mos of records. I contacted AFLAC when I received my denial letter. Someone on my behalf filed a claim for 2/22/18 which was what was denied. I never filed the claim nor asked for the claim to be filed. The young lady advised they had never asked for 12 mos of medical records and advised a Health and Physical form was needed. So once again I leave work and obtain the information. I sent these documents in which as well included a 6 page Discharge summary.

Shortly after I purchased Aflac, I had to file 3 claims in the month of July 2018. I have been given the runaround because they don't want to pay the claims. Each time I call them I speak to a different representative. They will have combined the claims as one, then I explain to them that there are 3 separate incidence. They keep asking for paperwork that I have faxed to them at least twice. This company is nothing but a scam!! Glad I found out before I invested too much money. I will tell my employer to stop payment to them and if I have to keep it a whole year, I will just find another job because they will not get another penny of my hard earned money.

I spent 3 day in the Hospital after a TIA which was determined in the Emergency room. I was transferred to the cardiac ward for further testing to ensure there were no clots or permeate damage. I had every test one could imagine. Turns out Aflac refused to pay my claim due to the observation clause. I clearly was in for more the observation. That is all... What's the point? Canceling my policy.

Run away from them as fast as you can! My husband and I have a policy with Aflac. We were in a car accident and submitted a claim on our policies. I submitted everything. After not hearing anything for a while, we made multiple attempts to contact our agent, all of which failed. She never tried to get back to us. I submitted a request for help to the website. When we finally received a response it was that they needed the police report. It had already submitted it, but I sent it again, via mail as they couldn’t take another upload to the site for whatever reason.

After sending emails and making additional phone calls and sending an email to the agent, the issue was resolved in 5 days.

I have had coverage for over a year now and not once can I get a representative to respond to my calls. They tell you one thing and do nothing. I wouldn’t recommend to anyone. You call the main number and their response is “you have to get your representative to help you”... Very poor communication skills. Do not let them suck you in.

I have purchased the Aflac cancer policy through my employer. The policy was enforced for over 2 years while payments were made through payroll deduction. So no payments were missed or late. A month ago I filed a claim for this. I was told on the phone that all information was received and a decision would be made within 4 days. 15 days later I had to call Aflac only to find out they needed a HIPAA form in order to get more information from my DR. I thought all was in order? Now fast forward another 20 days and Aflac is claiming the company they use to filter this information hasn't received it from Dr yet. I find this kind of funny because I am holding a fax confirmation from my Dr that clearly shows it was received by Aflac 15 days ago.

After getting all the documents to Aflac regarding my husband hospitalization in which it is covered by my policy at work back and forth with this Aflac people only to denied it because per their letter date of service June 19 to June 22 is not covered because my policy is not effective till July 1st 2018; which is so stupid because I filed claim for date of service July 15 to July 22 2018 which I have all the claim form along with itemized bill medical records and discharged papers that their underwriter ask me to send, for what just to deny it. This company should be closed for fraudulent advertising and misleading information and cost.

We have an accident policy with Aflac. My husband hurt his shoulder water skiing and called his primary care doctor 2 days later because he was still hurting from the fall. The primary care immediately schedule him for an MRI the same day and we were fortunate that my medical insurance approved same day so he could get the MRI. Unfortunately the MRI revealed he had a tear in rotator cuff area from the water ski injury. This just happen and his primary has scheduled him to follow up with a specialist. I received the MRI report, diagnosis, and UB04 billing statement including my payment receipt. I called AFLAC to go over all information required and I was advised over the phone I had everything needed to submit a Smart Claim.

After comparing different accident policies and cancer policies I went with Aflac based on research. Well I was wrong. I went to the doctor and was told I have early stages of skin cancer that they need to freeze or remove. No problem thinking I have Aflac and their promise of easy claims. They paid for the initial visit but denied the follow on service. So lesson learned. The money I paid out I could have saved.

I lost my sight in my left eye on March 11, 2018. I am a stroke patient and this has been a terrible experience for me. I was out of work until June 1, 2018. I filed a claim with Aflac for the first time under Critical Illness and on June 29, 2018 a very rude rep told me my claim was denied because I didn’t lose my sight in both eyes. She wouldn’t even assist me with information to file an appeal. I had to call back to get someone nice enough to help me. I don’t understand what I have been paying for if I can’t get assistance when needed. Now my claim sits in an appeal status and no one provides an update. I have to keep calling to check my status. This will be the last time I ever use Aflac and recommend it to anyone. I will contact my employer and provide them with the treatment I have been given. My Neurologist initiated this claim on my behalf and nowhere in the policy does it state one would need to lose sight in both eyes.

I purchased my useless policy through Aflac... Buyers beware. I provided every single document concerning my temp. disability from serious illness. At every inquiry I was put off... requiring the same thing already sent. I have legitimate claims that were all denied. Zero dollars paid out. My hard earned money in the toilet. I was completely frauded with promises of my claims being covered. Do not waste your money on this useless company.

My aunt died December 5, 2017. I am the administrator of her estate. She had a cancer policy. I have been dealing with AFLAC since December 21st, 2017. I finally received a check around July 10th, 2018 for $1,355.00. I have requested a copy of the policy. I have called and I have faxed. I have not gotten any kind of response. I need a copy of the policy but I cannot get one. I even received an invoice for payment since she died. They can get the invoice to me but somehow I cannot get a copy of the invoice.

I went through the process and did everything that was required of me. Well here is where the BS started. First, they do not even tell you there is an issue with your claim. I had to keep on calling to find out what the delay was. People on the phone do their best. But their info is limited. Next, they claimed my policy (Critical Care Insurance) was not renewed on Jan. 1. Wrong. Next, I had to re-fax all the info I faxed numerous times already. Finally, I got ahold of someone who seemed to want to help. She found out the claim was waiting on a supervisor to OK it. Now is this the plan there. Wait out people with critical illnesses, hoping they will expire. Sounds a bit loopy, but hey, what else can it be.

I recently had hernia surgery on 7/13/18. Submitted all the requirements from me/employer and surgeon. Was told I would get their decision on 7/26/18. First off what’s the decision? I’ve had this policy since November 2017. Never used it until now. You advertise same day pay in some cases. All I keep getting over the phone is another 48-72 hours for the decision to be made. This company is a total joke. Pay your money through payroll deductions every week and all you get is the run around. My next complaint will be filed with the BBB and I have even considered contacting my attorney over this matter. It’s a shame when people pay for this coverage but get jerked around when they try to use it. Insurance companies have become such a joke over the last few years.

Worst experience trying to be paid out for a claim that only yielded $65. Submitted the claim over a month prior and had to call 15 times to keep things moving. Had to resubmit documents that I had sent previously just to be told that more documentation was still needed after sending 2 weeks prior. Waste of time and left me very frustrated. I have paid into the plan for more 2 years and never filed a claim previously. Would not recommend Aflac to anyone, I will be looking into a new insurance company. I will be advising my employer of 12000 employees of the horrible service since this is a benefit offered through my company.

I have to say that I am extremely dissatisfied with Aflac. Partially is fault of my own, I should have read the fine print. But seriously, they are going to cherry pick what accidents they are going to cover? An accident is an accident. Apparently me paying them out of my check every other week was for no reason. Had I been putting away that money into a savings account I would be able to use it right now when I need it. For this ACCIDENT that happened. Anyway...them not covering my husband's accident that occurred while he was under the influence prompted me to see what else they wouldn't cover...so pretty much everything.

Out of work since 6/19/18- short term disability. All paperwork was submitted by 6/28 and confirmed received. Last 2 weeks I’m told they were migrating their computer system and could not get status in my claim, I have called every day and now being told computers are down since 7/16 and sorry can’t speak to anyone and nothing they can do. They have all paperwork. I should have gotten my Money within the first 10 days! At least by 6/30/18 nothing!!! We are behind on bills and rent.

I purchased a Cancer policy, find out in this year that I have cancer. I filed a claim with Aflac and now they are refusing to pay. The claim is in "supervisor mode," which a manager is stating can stay indefinitely. I am not happy with that. We always hear about insurance companies taking people’s money and then later refusing to pay the claim. Aflac is doing the same here with me and many other people. Aflac you should want to be better and do your customer right. DO THE RIGHT THING!

Aflac is nothing but a lie... they say payout and receive a check within 4 days... Huh in what world?? I've been out of work since April 13 and I paid extra for short-term disability to make sure I get paid starting 7 days on illness/1 day accident just in case anything may happen in the future. WHAT A JOKE. I have been taken off of work by the doc for medical reasons and it's been 3 months and still not a damn dime. No one returns calls and they keep saying the same ** story. Aflac keeps requesting more and more information in which I give to them immediately and still NOTHING! I call every 3 days and no one can give me any answers, all they continue to tell me is... it's under review with the auditor, there's more info needed (which they already have EVERYTHING from my doctor), or... no need to keep calling just check the website. It doesn't matter what I do. I STILL get no answers to when this will be settled.

The incompetence and disorganization at AFLAC is astounding. I’ve been with AFLAC for 2 years now... I have every policy available including short term disability. Over Memorial Day weekend on May 27, 2018 I tore my left bicep tendon almost completely off my bone... A freak accident at home... Had surgery on June 8,2018. They have given me the run around for 2 months. My agent Megan ** who signed me up for the policy says that headquarters is having trouble determining how much to pay me. 6 weeks ago Megan submitted my W2’s from both 2017 & 2018 and also my last 40 hour check stub prior to Memorial Day. The reason I purchased this policy was to help pay my bills in an emergency such as this... I’m seeing an attorney this week. Hopefully she can get something accomplished. Seek elsewhere for your insurance needs.

I fractured my foot May 7th and filed my claim with AFLAC, When I filed it said to receive your money faster to do direct deposit, which I did. I have emailed over 30 documents from my ER visit, ortho visit, etc. and called over 16 times to "check on claim" after about the 10th call the representative (and you always get someone different who takes several minutes to check their computer) said "Oh didn't they tell you that our "imaging" is down?" I stated that whatever problems they were having THEY needed to fix. I asked to speak to a supervisor/manager and they requested one to call me back 3 times but still not call (said it would be within 48 hours).

I broke my foot on April 29 or so. Sent the paperwork in for a broken bone which is 5 grand if that broken bone needs surgery. Mine was just broken and in a boot. So I submitted a claim and they paid 2500$ fairly quickly. But after wearing the boot 2 weeks new xrays found it splintered and fractured more and needed surgery. I got 3 screws and a plate. And a pin on June 4. I submitted the surgery paperwork June 4. When I didn't hear anything for awhile on June 20 I called them. And they said they were missing a surgical report. So I got the fax # and called my Dr to fax them the surgical report. Then I waited an hour and called Aflac back and asked if they received the fax, they said no. So I called my Dr again and asked them to resubmit the fax.

So I've been out of work since 5/17 and had to wait the standard 2 weeks to file so I did. I waited three weeks to receive $400 because my paperwork said I could return to work on 6/7 although I sent additional paperwork stating that I'd be out until further notice because I had 2 brain aneurysms and needed surgery. They told me that I had to submit a continuation of benefits and I did and it's now post-op and they're telling me that I'm gonna have to wait until 7/19.

I have been paying for Aflac coverage since 1/1/18 and in April I was admitted to the hospital for 4 days. As soon as I was discharged I tried to submit my claim and all the info they spout about paying claims in 48 hrs was bogus. It truly is a scam. After being told I wasn't eligible for an online claim for quick pay, because I have a "group" policy, my nightmare began. Following their instructions to the letter, my hospital sent the 81 pages of documentation they required 3 times and was told repeatedly it was not received. Now it is July, and no payment for a simple hospital claim.

I just signed up with these people and I’m getting all type of the run around. I applied on July 2 and I’ve been told several different things on why I haven’t been paid yet. I’m very scared to give them my money. If this continues I’m almost positive I will be cancelling with them.

My husband had a heart attack in July of last year and Aflac paid with no issues. In April of this year he began having chest pains again and had several tests which led to a Heart Cath and 2 new stents in June. He was out of work for 8 weeks during testing. We filed his disability claim and every few days they want something new! All the paperwork is in order and properly completed. There was no issue paying the amounts for the new tests on the specified event policy. Why can't they just pay it and get it over with?

I filed my accident claim with Aflac on 7/3/18 for a broken foot. Was surprised when I received an EOB (explanation of benefits) from Aflac on 7/4/18 with how much my claim was going to pay and that it was going to be direct deposited into my bank account. All it takes is to have ALL your needed documents when you submit your claim!

I was originally very proud of the fact that I had Aflac then I'm really not sure how it got this bad, but I called my representative on the 27th and finally on the first a person with a job title District Supervisor emailed me. The next day I received an email from the same named person stating he is the owner. I don't know who he was and really don't care but Aflac isn't a small company. My claim was denied because I haven't a clue how I messed up my back. What I do know, the criteria is so word slippery that I'm done giving my money to a company that collects money happily, then puts so many conditions on getting any for a claim that quite frankly it's not worth it. Oh yeah today is fourth of July still no contact from my adjuster. Truth is I agreed with them, told them I read my policy and they don't owe me nothing on any of my policies just to be done with the word games. Then I promptly cancelled my policies.

I've had Aflac for the last 4 years. I have the accidental policy and critical illness. I work out every day and drink apple cider vinegar to help loose my stomach. Well one day I was working out it felt like I pulled a muscle in my side so I didn't think nothing of it. So I continues my daily routine. The pain got worse so I went to the emergency room they did a CAT scan. And transported me by ambulance to another hospital. I had to get emergency surgery because my appendix had burst. That is considered abdominal.

Group accident, hospital indemnity and critical illness - I originally had traditional Aflac, unfortunately, my workplace forced me to change to group in order for the paycheck deduction. I have had nothing but issues since I changed to group insurance. There is no ability to file online, no contact upon Aflac’s claim receival, and most importantly denied claims. My wife has a fractured tibia due to a failed knee replacement, I was told it is considered a sickness, because there was no exact accident (a fall, car accident, etc). My wife did nothing to cause this fracture or the failure of the replacement.

My cousin's husband has carried Aflac Cancer Policy for over 40 years and went to the emergency room because he was having a hard time swallowing. He was informed that he had cancer that had spread to several areas and was admitted. Several cancer centers were monitoring him and deciding on his treatment. He passed within two weeks. I called AFLAC for my cousin because she was emotionally distraught and found out what they needed and what it covered. We got 181 pages of everything that was done or given to him and mailed with the paperwork. Over 1 million in expenses in the two weeks with the Chemo and other drugs and treatment.

My boyfriend added an Aflac accident policy to his work insurance at my suggestion, it seemed like a good idea. He was hit while on his motorcycle on May 29, and spent 6 days in the hospital with multiple rib fractures, a neck fracture, and a fractured wrist. I filed the claim on May 30 and heard nothing for three weeks. When I called to inquire I was told that the claim was denied because the chart notes the hospital faxed to Aflac did not prove the injuries were an accident. The aflac employee I spoke to was able to find the words motorcycle accident on the chart notes right away and sent the claim back for review, supposed to take 4 days, we're still waiting. What good is this policy if it's not there when you need it. They should be ashamed.

Have a policy for specified event for over 10 years which includes heart attack, ambulatory transportation, hospital stay and hotel for hospitals over 100 miles away. Had a heart attack back in January and admitting hospital transferred me to another hospital for treatment the same day because they could not treat my case. AFLAC refused to pay for transfer, hospital stay and all other items covered by the policy. Been fighting with them for months. They keep asking for the same information each time I send in the claim info that is included with the documents sent in. They keep saying the Hospital is the delay, but the hospital says they have not even contacted them. Beginning to wonder if this company is just one big scam. BUYER BEWARE.

I was paid benefits for an accidental back injury a few weeks ago. I switched primary doctors and saw the new PCP last week for a follow up because of continued problems of the injury. He ordered x-rays, physical therapy, and additional follow-ups for the SAME documented accidental back injury. The x-rays showed slight retrolisthesis (dislocation) in 2 vertebra indicating an acute injury rather than chronic. Additionally, the new PCP used the exact same medical code as the first doctor without seeing the records.

I have Aflac accidental and sent in a claim June 6. Was told 5-7 business days. Well 5-7 turned into 7-10 then 10-14. I filed a new claim for my son. Dislocated his shoulder the day of his follow up for a fractured collarbone. My claim was expedited and was paid only for a follow up. When I filed a new claim form asked Friday for the supervisor to call me. Still nothing. Called Monday June 25 still no callback. Keep getting told the claim department will not take calls from customer service. They will just pick up and hang up on them. Also being told a claim cannot be paid on an injury already been paid on but call me stupid but I don’t see how a fractured collarbone is the same as a dislocated shoulder just because it's on the same side of his body. That’s a joke. We will see if they get it together in the morning. If not I will definitely be canceling this policy.

I was at home and I was moving things around in my room and I turned the wrong way. I had an awful pain in the middle of my chest. It felt like some pulled muscles. Well I went to the ER and my vitals showed a high heart rate. I'm in pain and it hurts to move so of course my heart rate is up. Well the doctor decided to admit me to make sure the pain is from me hurting myself. Well, I submit all my information to AFLAC and I called ** and a representative told me that it doesn't say accident or I hurt myself. The doctor noted the pain and showed a chart pointing to my back and there is a part marked abnormal, but because the doctor did not say I hurt myself I can't receive a claim. I can't control what they wrote or left out. I will be letting Aflac go during open enrollment this fall.

Well I call on the 22 of June to find out where my payment was for my claim and the lady said it would take 4 business day before I get the payment but the email I got said 1 to 2 business day. Ok. Well here comes today and I called to see where the money is at and they telling me they don't know and that they need to get tracking numbers to see where it is and that will be 48 business hours. All I keep getting is a runaround. No one trying to help me at all. Don't know why I have to keep waiting my first claim and it might be my last one because I pay $168 a month and to tell with this not cool and that same day thing is not true neither because they had everything they needed and I still waiting a payment that no one knows where it is at.

I have had Aflac accident coverage through my employer for almost a year now. I tell you it has paid for itself so many times over! I was in a car accident, 2 days later I was paid. My husband fell and broke his ribs again 2 days later paid! I took my kids to see the doctor for their yearly physical paid! I have not had any problems with making a claim or getting paid. Aflac is so awesome because where I work I am off for the summer. They cover my policy while I am out of work! I love Aflac!!!

My father passed away from lung cancer on December 14, 2017. He had no Will or assets to speak of but did have an AFLAC Cancer Policy. I called on 12/27/2017 and explained the situation. The woman told me she needed his death certificate which I sent. Waited a month later. I called after receiving a check in his name which I promptly returned with a letter telling them he has passed. Then was told I could not access anything regarding his account even though I had his policy number and copy of the returned check. Then I was told I had to probate his estate, which he had nothing but did that a cost to me. Sent the Affidavit to them from the State of Tennessee making me executor and another copy of his death certificate (which made about 4 copies so far I sent). Then was told it would take 15 to 30 days to go through "legal".

I had a baby May 12. I was so happy I got Aflac. I thought this was going to help me be with my baby and be worry free. I was so wrong. I have called every day for a month and still have not been paid every day. I have called. I got a different story. Now they tell me my payout amount has changed drastically. I am worst off now than if I would have just not got Aflac and prepared by saving money. I will definitely be cancelling as soon as I am able.

Very disappointed with AFLAC. Had AFLAC accident insurance for years with my employer. Working for the State, I will have to let HR know and how bad Aflac is. injured myself on a motorcycle and hurt my neck but thought I was alright. About 3 or 4 days later I was starting to hurt more but not bad enough to go to the emergency room. Made an appointment with my Doctor but they were not able to fit me in and had to wait over two weeks to see them. Had some nerve problems and they performed some medical procedures to help with pain.

We haven't had Aflac very long, and we've already had to file a claim on my husband. I have submitted every report they asked for in a timely manner, yet 1 month into the claim and 2 days before my husband's cancer removal surgery, now they want more paperwork. They should have asked for everything they were going to need at the beginning, as I have had to miss work, waste gas and time getting all these things they want. Still no decision, as they are still waiting for MORE paperwork after a month!!! This is highly unsatisfactory and extremely disappointing as the consumer. They make you promises they don't seem to keep, and you're going to have to do ALL the legwork. They even sent for an associate statement via business class mail... WITHIN THEIR OWN COMPANY! Good luck, you're going to need it.

I've had AFLAC coverage for 4 to 5 years and have used it before without very much issue until now. I was out of work from early May to the end of May with an injury and was unable to work. As always I went through the whole process of getting the proper forms filled out from my doctor (I use V.A coverage which is very slow and unresponsive) after waiting 2 to 3 weeks for my V.A doctor to fill out her portion, I had my H.R rep fill out her portion which took another 3 to 4 weeks. Now we are into June when I fax AFLAC their forms to begin my claim. Of which you get no correspondence from AFLAC concerning your claim...no emails, no phone calls or alerts... nothing...you have to guess and hope that everything is going ok???

I have been out of work since April due to being an expectant mother and my job calls for more than I can handle being pregnant which cause me a lot of stress so my Dr. put me out on disability until I had the baby. So I did all my paperwork. Waited the 10 business days to be approved. Found out a detailed disability was not on the paperwork so it was denied. Meanwhile I found this out by calling Aflac. Not even by them notifying me there was a problem. So I have the Dr. fill the papers out again and add the disability and send it back over. So I wait another 10 business days. Come to find out the paperwork was missing a date of return to work so it was denied again which is confusing because all of it could of been avoided with a phone call to me instead me calling to check on it.

I have been trying to get things faxed to Aflac. They claim that they only receive part of it. Most unprofessional thing I have ever dealt with. I have multihull claims and I can't seem to get anything accomplished. I have thousands of dollars and will be in bankruptcy shortly. My opinion Aflac is a fraudulent company. What a mess. It is a trap to disqualify a person. They get their money every 2 weeks right on time. To me it's reverse insurance fraud. Our credit rating are in the 700's. Now we’re going to be bankrupt. So sad how big corps rob people while we suffer. Worked all our lives for nothing. Aflac should be investigated.

Updated on 02/28/2019: In April of 2018 I filed a Short Term Disability Claim via Aflac, and the process was grueling to say the least. My initial claim was denied, then I was advised to resubmit my claim, which I did, and that process dragged on until I submitted a review about my negative experience on this site, and lo and behold, the claim was paid 24 hours later (June 14th, 2018). Flash forward to February 2019, I file another claim FOR THE EXACT SAME CONDITION, and here we go again! First, an Aflac claims representative told me that since this claim was practically identical to the previous claim, it should expedite quickly. That was almost 4 weeks ago!

Aflac seems to be giving me the run around with paperwork. I uploaded forms that was said unreadable. I was told to fax the forms. Now, I'm told it's no longer a quick claim because I faxed the form. I was told it will take 7/14 days for reviewing and receiving any type of payment. This has been going on for a month. I'm beginning to think it's not worth the time.

I broke my ankle. It took 14 days to receive my first check (4 days was getting paperwork together 10 days for Aflac to review). I was not released to go back to work. My agent filed for an extension. It will be 19 days before Aflac has time to look at it (7 days waiting on doctor reports 12 days for Aflac to review). On page 7 k. my policy reads, "TIME PAYMENT OF CLAIMS: all benefits payable under this policy will be paid immediately upon receipt of due written proof of loss." I have given them this written proof of loss. I don't think Aflac is a horrible company. They just don't live up to the image they put forth in their television commercials or honor the timelines written in their policy.

Stay away. For six years every two week they have been taking out money out of my check. Finally is the first time I can put it to use. At first I called customer service for the claim forms which they easily emailed to me. I had to wait seven days to fill them out. After 7 days I filled all the claim forms and I am ready to fax it "yes fax cannot email it".

My employer does not offer short-term disability. Instead, they offer Aflac. I have been paying Aflac premiums on nearly every policy they offer for over 10 years now. Two months ago, I had a major surgery. Being single and having only one income, I put in for disability payments immediately. Right weeks later, I have yet to receive one plug nickel from Aflac. "They're running behind..." "They're still processing it." If I were not able to borrow money to live on, I'd be in serious trouble right now. I go back to work this week. After I get my money from Aflac (if I ever do), I will be dropping every policy I have. I'll be better off putting away the money I've been paying them.

On January 04, 2018 I discovered that I have been overpaying premiums for many years. I first joined Aflac in 1998 and have been a customer since. I put my grandchildren on the policies (I have 3 of them) when I obtained custody. I relinquished custody of the grandchildren in November 2004. The area representative was informed of this change. The problem is Aflac never removed the grandchildren from any of the policies and has continued overcharging for many years. I have sent Aflac all court papers, birth certificates and whatever they requested.

After being told for over a month that I qualified to use my benefits with Aflac for being put on bed rest because I went into preterm labor and bed rest was to keep it from happening again that just send in my paperwork so they could process it, today when I called to see when they were depositing benefits instead I get told I was denied and now the only way I can possibly use my benefits is if I just go ahead and have the baby when it's not even time yet. So this company would rather have me risk my unborn child being born early than to honor what I was told over a month ago.

It seems as if they're working towards improving.

I purchase 2 Aflac insurance policies back in Aug 2017 for disability and hospital claims because I knew I needed both at the time because I was pregnant and the Aflac man promised everything was good and I would be straight when I went out work. Well that was a lie. I went out of work April 17 2018 thinking I'm gone get short term disability. I sent all paperwork that was supposed to be sent. At first they kept giving me the runaround. I'm calling every day checking and then 2 weeks later they denied my claim because they said I supposed to be on bed rest. Well why didn't the Aflac agent tell me that? I wouldn't even purchase this CRAP MAKING PEOPLE GET BEHIND ON BILLS BECAUSE OF Y'ALL LIES. THEN I HAD MY BABY ON May 9 2018 and sent my required documents for hospital claim on May 25 18.

My wife’s previous employer did not offer short term disability insurance so an Aflac rep. came to her work. The rep. sold nearly all of the employees on the scenario of having short term disability insurance for maternity leave. Being that most of the employees were female and in their 20s and 30s this was the perfect sales pitch.

I signed up for STD insurance to begin on May 1st because we were working on getting pregnant through physician assisted means. I was VERY specific with the agent with regard to procedure dates and he assured me that I would be covered. After becoming pregnant July 7th, I started really drilling down on my policy to MAKE SURE that I would be covered by sending the agent an email in December. Again, being VERY specific with due dates and the probability of early delivery dates (as a result of twins, which rarely make it to the due date) as well as the potential for complications such as being REQUIRED a C-Section (as this procedure was not wanted or a part of my birth plan, but medical staff continued to warn me of the possibilities), I asked the agent to verify that I would be covered based on this information.

While I had previously reported that Aflac closed a claim on accident policy in 2015, they have reviewed their records and issued payment for that policy. They have also processed the short term disability claim and in both cases also included interest payment on both claims. While it took a little time on their end I am completely satisfied with the outcome. Thank you Aflac.

Do not buy Aflac under any circumstances. They will promise you the world when you need them but will never be there for you. I was a loyal customer on time paying for 12 years and filed a claim which took 9 months for them to process. Their processing and organization is the worst and require you to do all the work and if you provide them with numerous repetitive documentation that they require, they still always deny your claim. Delay tactics is what they do to frustrate you and hopefully make you give them a reason to not pay what they promised. I was fortunate to be in a financial situation where I did not need to rely on the money, but most people rely on insurance to help them in time of need, THEY WON'T AND DONT CARE ABOUT YOU AND YOUR FAMILY! They care about profits.