Aflac Reviews

I had back surgery on November 13, 2017 and was able to go home on the afternoon of the 15th. Submitted a claim with all the paperwork the hospital provided. The paperwork shows all of the services I was charged for by the hospital for those two days, but because the hospital called it an observation room instead of charging for Room and Board AFLAC has denied the claim. I've spoken with two "customer service representatives" and they have been nice, but of no help. To say the least I am very disappointed in the way my claim has been handled.

I signed up for Aflac December 2016 through my employer. And I heard them say would cost me 65 a month. And then they didn't start deducting until April 2017 and they took out 65 plus dollars a week...not month as I was told. By that time I changed my work location and has less hours so my income was lower. So October I cancelled my policy. And the payments still kept being deducted and by this time it's been thousands of dollars wasted. And I was told by the Aflac representative that I had to stop payments through my employer which I did and Aflac told me they'd reimburse me payments taken out from October 18 until my payments stopped which was the last week of January. And I received a small pathetic amount of 300 dollars only so I called Aflac to see where the rest of my refund is and they said they aren't paying anymore. I am considering going to a small claims court… Stay away from Aflac. They are thieves.

I am new to Aflac as is my place of employment - this year it was a new "benefit" that we could opt in to and our coverage would begin on 1/1/18. At the time of enrollment I told the Rep that was signing us up that I knew I had a Colonoscopy and Endoscopy scheduled for February 12th. He said "Perfect - you will have needed to have the policy in place for 30 days before submitting a claim so the timing of all of that is great." He informed me of how "easy" and "pain free" this whole claims process would be. I feel betrayed... it's been a horrible experience. I can't even get the $100 payment that I should be entitled to. I submitted the claim on February 13th or 14th with the "help" of my Rep because the form I needed was not available online.

I have an Aflac Hospital Indemnity policy. In January of this year notice pain in my groin area. After looking online I thought it may be a hernia. As I did not have an primary care physician I contacted a general surgeon who had previously performed surgery on me and made an appointment. He confirmed that I did have an inguinal hernia and scheduled surgery for March 2 of this year. Upon recovery I went to the hospital and got all the records and filed my claim, uploading the documents on March 8. Then the fun began.

Yes it’s a hassle to get itemized bills from the hospital pathology reports, doctors signatures, codes etc. but AFLAC paid over $60,000 when my husband got cancer! I will always keep this AFLAC policy!

I had been leery of Aflac and the amazing stories I heard from co-workers made me roll my eyes. I can tell you that I am not sure why I waited so long to get insured!!! My son is an athlete and is constantly injuring himself. He tore his ACL last year and Aflac covered all my out of pocket expenses for his visits, surgery and follow up appts w doc and physical therapy. Aflac paid about $1350 total for that incident! Then in Dec I was hospitalized and Aflac paid in 3 days once I was home and able to file my claim for the stay. Aflac paid about a $3500 payment in total to me! Aflac has been a lifesaver for us and the serious injuries we have encountered in the last year! I tell everyone about them and why they should have Aflac!

I have carried a policy with Aflac for 3 years that covers specified events such as stroke. I suffered a stroke in December 2017. All my records were submitted for my claim by Jan. 26, including letters from both my primary care and neurologist stating the diagnosis as stroke. It's a very lengthy and arduous process to upload all the records on the website. It's been two months now and they still keep asking for more records and have denied the claim once and then closed my claim once without notifying me. The recent request was for records sent over a month ago. It's hard to tell if they are trying to scam me, wear me down, or the claims people are not competent. I will probably have to bring this to my state insurance commissioner. I would stay away from Aflac and talk with your local insurance company first.

First of all once I get back to work I'm telling everyone that they will not pay anything. First of all 5 months ago I went to ER and they kept me for observation. That is what they put but my BP was high and I had other signs for the heart. They denied that one. Ok but now I had to have surgery for a hernia and my stomach was pulled apart on the inside. When they had surgery they found out I had 2 of them. They had to fix it because I was in a ton of pain. I had surgery on 2/27/18. Was in the hospital until 3/1/18. I sent in everything. Went to the hospital because I had them send all the paperwork to you. I wasn't supposed to be walking but you needed this. I thought it wouldn't take this long but apparently you guys like not helping your Customers.

On January 27th of this year I received a severe dog bite to my right hand, ring finger. The attack almost amputated my ring finger. Trip to the emergency room, X-rays, stitches, antibiotics and a tetanus shot. Two days later a trip to a hand surgeon for follow up with more X-rays and treatment. Ended up with a fractured finger and severe laceration and two months off work. I have had Aflac accident insurance for years but this was my first experience filing a claim. I learned today the maximum benefit for a finger injury such as mine is 50.00 dollars!! They did covers 200 dollar payment for the ER but that’s it! My bill is approaching 6500.00 dollars. Monday I’ll be canceling this worthless scam insurance and notifying my company of my experience with Aflac... What a huge disappointment to think you are covered for an accident only to find out they’ll happily take your money until something happens then send you fifty dollars for a 6500.00 dollar accident!

DENIED! I cannot figure out why an accident policy denies my claim. I injured my knee getting out of my truck, not on purpose, it was an “accident”. I have paid for this policy for years. Last time I tried to make a claim the agent never called or contacted me, even spoke to her at the company yearly signing. She took my info- nothing and she is no longer with AFLAC. This newest denial of my accident only says I’ve wasted a lot of money. I hope canceling is easier than making a claim.

Nasty, rude and condescending phone bank employees including "supervisor". (I have doubts it really was a "Supervisor".) Will be cancelling ALL policies next month. They hire the dredges. I have not had ONE positive experience. Colonel Life...you ready to take our $$?

I need to follow up with my last one star review. My issues with AFLAC were resolved. The reason this is only 3 stars now is the events that took place following up to resolution. In the end AFLAC paid out in full all of my claim. To manage expectations, in my situation my expectation was based on the sell narrative when I took out this policy.

I had several procedures done getting ready for surgery. File those claims nothing ever paid. Had surgery and several days stay in hospital. Those claims were never paid in January of 2010 when this policy was taken out 2009. As of today March the 20 2018 those claims are still unpaid to me.

Aflac customer service is a JOKE!! I have been off work now since January 28th. It is March the 12th and I still haven’t received my first short-term disability check. I have sent emails, I have called numerous times without “my agent” Returning my calls. It’s pretty sad that obviously a physician has you off on medical leave for whatever reason and you can’t get anyone to return your calls!! I’m stressed!! My bills are late. I’m a single mother raising 3 kids and I have zero income coming in. Their dad is off on strike with Frontier and I literally have not received any money. Thank God I had some in savings (which is now gone). You pay for this insurance and you expect them to do their job.

I attempted to take care of a billing problem online and after five attempts decided to call the suggested phone numbers. I waited for 46 minute during the first call and was hung up on. I attempted three more times and I am not sure how long I was on hold during these occasions. I then decided for the callback option. This call was returned in approximately 45 minutes and I was transferred to three different people. Again, I was placed on hold for one hour and 11 minutes!! I will be consulting Colonial Life!

Have Aflac Accident Insurance. I slipped in the garage and didn't fall/land, but my left leg stretched out to the side at an acutely odd angle. A day or two later I had a sharp pain in my left calf that would come and go. I didn't think much of it and didn't at first even associate it with my slip in the garage. I treated it with rest and ** as most people would do. It wasn't until several days later that my left buttock cheek hurt and the pain radiated down the left leg.

After getting my policy, it’s been downhill ever since. Countless hours trying to get someone to help me, increase policyholders - add new policy, questions about existing policy, reaching the original sales rep has been absolutely impossible even through email. No such thing as customer service with this company. That’s too bad because I want additional policies and hoped to have them all in one place, but doesn’t look good folks! I’m giving them one whole year to change my mind... everyone deserves 2nd or 3rd chances in my mind - so I’ll update if anything changes but don’t hold your breath. 5 months to go!!

Before I begin let me just say I read in desperation for help these reviews and saw Phyllis's name and they helped me. Here is my story, Jan 12th ALL my paperwork that I needed was submitted, 2 weeks went by and I started to call and check on it, they said they needed my 2016 W2 I submitted Jan 22nd, then on Jan 24th I call again then they need 2017 W2. I submitted that as well to 2 different Aflac employees in one day. Feb 4th again I called and they claim they need my W2 and don't have it I submitted to 2 different employees again. Feb 12 W2 of 2017 was faxed from my boss.

On 2/9/18 I suffered a heart attack and was admitted into the Hospital and had stents placed in my arteries. I started my claim process with AFLAC shortly thereafter. I was told over the phone that I only had to fill out one set of paperwork for both of my policies, hospital indemnity and critical illness. I sent in the 56 page report from my hospital stay along with the hospital indemnity paperwork. They paid for the hospital idem portion and told me they needed an itemized bill and the Doctors statement from the critical illness plan. I faxed this stuff to the doctor and called for the itemized bill. I waited several days, called AFLAC and was told that the claim was to be reviewed in a week. I called today and was told no claim had been filed and that I had to submit the entire critical illness application. This is getting frustrating and appears to be a strategy in an attempt to not pay my claim.

I have been an Aflac customer since the late 1990s. The service, the criteria, and the company has changed the way it processes claims. It is a pain in the neck now. Many denials recently (specifically chiropractic visits related to injuries, etc) over things that in times past were processed and approved within days. The hoop jumping - I have no time for. In light of the seemingly rigid process, I have already cancelled my Accident.

This just isn't right. I first filed my claim in November. From November until today I've been waiting for a decision. During this time period, nothing was ever updated online. Aflac has all my personal information info and never considered contacting me. Today I called and find out my claim wasn't approved. Why? Even down to my W-2's I had to send in. For this reason, I will be canceling my plans because I paid for this policy to have in case I get sick. I get sick for 3 months. Then 4 months later I find out my claim is denied when I call Aflac for an update.

My husband had Stents place in his heart in 2012. He has heart disease. 2018 he is dx with Cardiomyopathy. Had to pay over $1000.00 for a Echo Cardiogram. I was told by Aflac rep. this was not related to his heart disease. How is it not? If he didn't have heart disease he wouldn't have Cardiomyopathy!! Thank you.

I think I will be canceling my policy. I had an ok experience a couple of times. But this last one was not good. My Son was kept overnight in the hospital. I had all paperwork. Then I had to run back to hospital at least twice to get more info they needed. Needless to say, it had been in the paperwork I provided. Waste of time there for me. Turns out they did not pay me for overnight stay because he was there for "only" 16 hours. He was supposed to be there for 18 hours according to Aflac. I didn't know overnight was 18 hours, wow... And all this took 5 months only to be told he wasn't there long enough.

The Aflac Accident Policy is an ABSOLUTE JOKE. Do not waste your money!! If you go to the Aflac Accident Policy website, Aflac offers a potential accident scenario and how much money you could receive after an accident such as the one they offer. The scenario is a man breaks his leg, is transported to the hospital via ambulance, goes to the E.R., has surgery and is given a cast. Then Aflac goes on to say that... "The very next day, he receives a check for $5570". Well I have been thru the benefit amounts and this fictional person would never receive this much money nor that quickly. Hospitals don't produce billing statements in the first 6 hours and Aflac doesn't take any action based on 'your word', so Aflac is already lying and deceiving the consumer blatantly!!

I signed with Aflac the accident policy as well as disability policy. The accident policy I had no problems with. However the short term I've literally called everyday since filing and have gotten the runaround. Now they claim they have it in supervisor review. Apparently the representative who signed me up put a different salary than the one I submitted with paystubs. I have spoke to different representatives as well as supervisor have been told my claim has been expedite as well as it takes fourteen business days. Now it's the past the fourteen business days and now I have another notice in the mail stating they need an additional fourteen days. My short term disability claim that I filed started December 24 Christmas Eve 2017. It's now February and still I haven't been paid anything in regards to my short term disability. I am very disappointed with Aflac. Should I seek an attorney?

An Aflac rep came around to my job in 2010. My job already offered disability and my husband and I already have plenty of life insurance. So I took the accident and cancer policies for my husband and myself. For the next 7 years our family experienced a few trips to the hospital. My husband was in the ER for accidentally taking too much allergy pills. He also strained his back working which he still visits a chiro for monthly. I had a partial hysterectomy and later a breast reduction. AFLAC didn't help with any of these because nothing was related to an accident or cancer. I accepted that without complaint for 7 years. But now in 2018... I have had an accident... Very minor thankfully. Nasty fall roller skating. I went to the ER had an X-ray on my back and knees. Aflac paid $170 for the ER visit and $30 for ONE X-ray. THAT'S IT!

STAY AWAY!!! Terrible company and experience! New mother placed on partial disability before my delivery. Numerous communications with customer service as well as the rep that sold me on this rip off. 2 months later and fax after fax, email after email and they still claim they don't have the necessary information needed. I, however, have copies of all information requested and if someone would do their job and review my paperwork they would see that all the required documents have been received. I am being given the runaround and in the meantime robbed month after month that this "service" refuses to provide.

I am very disappointed with Aflac because I had faxed a claim to Aflac in Columbus Ga. last Monday and I called today to check the status on my claim. I was told my claim was pending on a physician statement. I have stage 4 colon cancer. I take injected chemotherapy that is an office visit treatment not a hospital overnight stay. They won't give you treatments if you're in the hospital overnight. My name is William ** and the person that reviewed my claim made a big mistake on my cancer claim and I am not happy at all with that auditor. If they had of reviewed my claim carefully I had got treatment at the doctor's office that day and then I went home I didn't stay in the hospital. I would like my claim paid to me by Friday. I don't need a physician statement. I've gotten paid several times before without one. l feel that is a serious matter because my bills are due and I need to get medication too. I have been waiting 11 days now.

My husband was injured September 4 2017, put on short term disability for near a month AFLAC pd. Injury got worse, Dr. referred to surgeon & surgery was performed on Jan. 11 2018. Husband still on disability but AFLAC has refused to pay this time and we've sent numerous documents from the doctors stating this surgery was necessary due to initial injury on Sept 4, 2017, filled out continuing disability, sent operative report, rebuttal from physicians etc. and AFLAC is still just sitting on it.

Much the same complaints as hundreds of others. Filed a claim for hospitalization coverage on 9/26/17. Aflac, did nothing but put up roadblocks so as not to pay out. Was promised by representative that if I needed any help in processing a claim contact him directly. That was a joke, he gave every excuse in the book and blamed the hospital for not providing the information Aflac needed. Meanwhile hospital medical records is telling me Aflac never contacted them, It was a complete run around for 5 MONTHS. Every time they said they got what they needed, they came out with another form they wanted filled out by various doctors. It took an e-mail to my rep with a copy and pasted complaint from the BBB almost exactly like mine to forward the claim to his Supervisor who then called me and asked if this was not a pre-existing condition. They couldn't call me back in October and ask this in order to cover the claim?

I received a second notice for premiums due. I never received the 1st notice and on this letter it states that if the premium is not paid by February 15, 2018 the policy would be cancelled. I called to make a payment on the policy and was informed that it was terminated in December 2017. The representative that I spoke with kept telling me that I can have my policies reinstated but had to send in a lower payment amount than what was on the statement. I requested to speak to a supervisor. The supervisor got on the phone and was VERY RUDE. Stated that my policies terminated and I needed to send in copies of the statements I have along with the payments to have them reinstated. Now today in the mail I received a packet stating that I cannot have my Hospital Indemnity plan reinstated. Then why did the Rep and Supervisor tell me that I could and to send in the premiums?

I've been paying for a disability policy through Aflac for more than three years. I'm now experiencing the same as so many others, requiring additional paperwork, little to no communication from Aflac unless I call myself and an agent who evidently did her job which I guess was simply getting people to sign up and little to no communication unless I contact her first. Not getting any answers other than the common answer... under review. I haven't been able to work since the end of Dec. 2017 due to a broken shoulder and then surgery. I am a hairstylist and need my shoulder to do my job. Premium time rolls around next week, I'll continue to pay this until my claim has been paid and is in my bank account. I will be dropping Aflac like a hot rock after all of this.

I signed up for the accident insurance. Aflac sales guy gave me the run around assuring you get hurt, upload doctor visits, diagnosis etc. you get paid. No questions asked. It's going on three weeks now this whole upload and get paid the next day is bull. I need more paperwork is the answer I keep getting. I talked to two different people and even one of the reps got rude because of my attitude for being legitimately upset, lied to etc. Well I can't give these clowns any more paperwork because I gave them it already. Two partial torn ligaments and a talar fracture in my left ankle. MRI Doctors visits etc. It's a total sham. I am about to cancel this. They can take your money but yet don't want to pay out.

My fiancé has had Aflac for years now. His original plan was for collision. Soon after getting a new job he changed his plan with Aflac to short and long term disability due to his line of work. They took forever to process the change and in that amount of time my fiancé got hurt on the job. He filled out all the paperwork and sent it to Aflac but they said they can’t accept it because the injury happened before his policy had “officially” changed. They are just being cheap and would rather steal consumers' money than offer them help. I honestly think and have always thought that Aflac is just a huge scam. They charge you ridiculous amounts of money and argue with you when you actually need them. Save your money because you are paying for nothing if you decide to sign a contract with them. They may help you with little bits here and there, but in the long term they are making MUCH more money off of you.

I recently sprained my ankle. Fortunately it was not serious, but I wanted to make sure. I went to urgent care on Friday night since I was in pain and could not walk on it. The Dr. took a x-ray and prescribed me crutches. I filed my claim with Aflac on Tuesday afternoon and I received close to $300 on Wednesday in my checking account. I was so impressed with how simple the claim process is and how quickly I was paid. I totally recommend everybody to have Aflac.

I have a cancer policy with Aflac, and my wife was diagnosed with cancer shortly after I picked up this policy. I have uploaded countless documents and given the runaround for a month and a half. I can only talk to a call center representative about my claim. I get a different story every time I call them. I call them twice a day. This morning they closed my claim out, and my family and I are facing eviction on top of my wife having a terminal illness.

I have 4 different policies with Aflac, one is short term disability. I became sick around 12/8/17, off work till 12/26/17. Went out again from work 12/29/17. Been waiting for check, no income at all or food, they say check sent out. They said nothing in account, checks deposited in someone else's acct, say it my fault. Nothing adding up, I have same account as always, no food, can't pay no bills, begging for food. I want all my money back that I have paid into Aflac abt 120.00 bi- wkly for over 3 yrs. Then they say they gonna do a trace and when they get the trace number they will call me and give me the numbers and I should go to the bank and try to get my money. Also go on Aflac direct deposit and change my account information. Well no. I won't. I looked at it and it is correct, they screwed up and want me to take the blame, No way but I am still sitting here with no money, no food, no gas in car and I am still suffering.

I have found this company to now pay out as expected. I have paid over $50.00 per month for several years with Aflac just in case I ever had a need for Short Term Disability. Luckily, my company offers LTD. I had a very basic policy with Aflac of $1000.00 per month. I had foot surgery on Dec 28 and with a job that keeps me on my feet for up to 14 hours per day, I am expected to be out of work till April 01. As of today's date, I've received a total of $666.00... not the $1000.00 which is promised in the policy.

I had surgery in December 2017 and every time I ask AFLAC about it they require more and more paperwork. Why didn't they ask for all this paperwork at once. It seems like Aflac does everything they can to NOT pay a claim. I am fed up with jumping through hoops for them. I have already started the process of cancelling my policies. Worst company ever!!!

I have had Aflac for about three years, but was told by my agent I was missing out on getting paid for test and hospital trips. So I finally filled a claim after being in hospital and getting diagnosed with COPD. My bill was almost $27,000. I had several test run. Aflac will not pay for anything. I have paid them thousands of very hard earned bucks for nothing. When I talked to my agent's "assistant " I didn't even get sympathy.

I have finally sat down to submit for reimbursement on my Aflac policies. Aflac is extremely quick in issuing payments. For some claims, they added on benefits I did not know I was entitled to. Very happy with coverage and payments.

I have had AFLAC policies for around 15 years. For the last nine years, on and off, I have used my short-term disability for a carpal tunnel claim and I had never had any problems collecting the benefits. I have just recently needed to take off due to the carpal tunnel again and for some reason AFLAC has been giving me the hardest time. Initially, they denied my claim saying that it was work-related. It's always been work related, however carpal tunnel is a degenerative disease and therefore payable and has been paid in the past. The next denial was because the carpal tunnel wasn't listed first on the diagnosis, as I also have a neck strain. I have sent over the physicians statement and a medical report listing everything AFLAC stated that it needed and were almost a month in and still I keep getting the runaround. What gives? Also, I have noticed that the quality of customer service has diminished over the years and the wait times have been ridiculous.

I filed a disability claim, along with all the paperwork required by Aflac, except the Physician's Statement. The hospital I went to, will not fill out the Physician's Statement paperwork. They told me that all their records and doctor statements are electronically signed by the doctors, and refused to even accept the Aflac Physician's Statement paperwork. I have contacted Aflac 6 times, and each time they just sent me a refusal form letter and another Physician Statement form. Aflac has enough evidence to prove I was indeed disabled for a short period of time, and returned to work within a couple weeks. I even sent in an Aflac form so they could obtain all of my medical records. My employer filled out the Employer Statement form indicating the days I missed work, but they still refuse to help me. So basically, I was sold a policy that was impossible to collect on.

I paid for the complete package, they took the payments from my check with no issues. When I was sick or injured they never paid a claim. I spoke to a rep that wanted all of my medical information from doctors, hospitals, etc. I spent a lot of time gathering all of this for them. After a year had gone by with constant phone calls to AFLAC by me, since giving the AFLAC rep my records they stated they could not do anything with it, they stated the person handling this was no longer employed there and no one else could look into it.

I had surgery on 10/13/2017. 2 weeks later my agent stopped by the office and told me that he would help me refile claim due to it being denied the first time requesting for info that I had already submitted online. He had me sign a medical release, I checked back with him 2 weeks later and he assured me he would take care of it and to allow up to 30 days. I allowed 35, I have all the emails where I have tried to follow up and nothing. When I called Aflac they told me my agent hasn't submitted anything as of yet. The last email I sent him was on 1/15/18 and his response "I have been trying to call you today" but yet no missed calls or VM.

I've file a claim two months ago for me and my husband and the claim has disappeared off the Aflac claim. I don't understand we was in a car accident and nothing. I don't understand. It's suppose to be helpful.

I have the accident policy and I have made about 3 claims so far and all of them have been approved by 12 am the same day as long as I get the needed documentation in by 3 pm EST. I have never had an issue. All I do is scan and upload my hospital discharge paperwork and I have the money in my account by 4 pm PST the next business day. I have never had to call and speak with a representative. They are really on top of their stuff. I would highly recommend AFLAC.

I had a doc appointment with an orthopedic doctor in November. I was required by my health insurance carrier that I need to get a nerve induction test done before they will approve carpal tunnel surgery. I had the test done around November 15th. I was instructed too that I need the surgery by the orthopedic doctor, who would do the surgery December 6th. I had the surgery done. My health insurance paid for it. I also signed up for family medical and S&A insurance from my employer. Had no issues with them, received my S&A insurance check this week.

I went to have weight loss surgery. I spoke with 5 different representatives before and after the surgery. I was told by the Aflac representatives that if I had a letter of medical necessity my claims which includes hospital stay, the surgery itself and follow up visits would be approved. Well, they lied. My issues has not been resolved and I'm filling out a complaint and I'm also considering dropping Aflac insurance. I'm paying for it. What's the purpose of having it if I can't use it.

When my wife signed up for Aflac over a year ago, we wanted to be able to get disability for maternity leave. After a year of IUI and IVF procedures, she is finally pregnant. When my wife contacted her Aflac rep to advise she was pregnant and what the next steps were, she stated she had filled out the accidental form and not the disability form. My wife sat down with the Aflac rep from her school, even had a heart to heart with her explaining how we wanted to start a family and what she needed to do for maternity leave. The Aflac rep even texted her stating she thought she wanted the disability and wondered why she filled out the other form.

I work for the City Police Department and an Aflac representative came to my job. I asked questions what is covered and do I need to use my sick leave. The representative assures me everything was covered and I do not have to use my sick time. However, I had surgery December 18, 2017. My doctor filled out his portion and then. My employer. I've been out of work for 27 days and is scheduled to return to work January 13th. I made numerous calls to Aflac about the status of my claim and also spoke to a supervisor Irene **. They dragged their feet to review and process my claim then tried to tell me it was pre-existing issues and my visit to my doctor was prior to my claim being effective. Irene then went on to say I needed a doctor's note stating my procedure was not discussed prior to the effective date. I forwarded my doctor's note to my account rep.

I was diagnosed in May 2017. Had double mastectomy and tissue expanders placed. 7 weeks later had hysterectomy open complete. 7 weeks after that returned to work full time half dying. Worked for 3 months and couldn't stand the pain from the expanders anymore so Dec 15 of this year had tissue expanders out and implants put in.

I have now been off work and with no income for 3 weeks following the birth of a child. I filed all my short term disability forms with Aflac in a timely manner. However, they continue to drag their feet processing my claim. They state they are "behind processing claims" due to the holidays. While they are taking their time processing claims I am left sitting at home with 4 children as the sole breadwinner and no way to buy food, formula, diapers, pay bills, etc. until they process my claim. I have spoken to them over the phone about this and they don't care. They keep moving the "estimated" date They will have my claim reviewed by when I call them. I guess we will just have the utilities shut off and starve this month. Thanks Aflac!!!

I have had AFLAC for over 2 years. I get hurt at work. My agent says, "No problem. You have short term disability. After 90 day it will kick in and you should receive no less than $ 2800.00." I was happy as hell because workers comp really does not pay. I received a check today from AFLAC and it's for $ 145.00. Call my agent up and he "says well at least you got something" so I told him where he and Aflac can both go. STAY AWAY FROM AFLAC.

I gave birth Jan 2. My Dr. faxed everything in they asked for... I call to see when my money will hit my account. It's a different date everyday. I have bills to pay and other kids to provide for. I get different date and answer everyday. I know I do not want Aflac when I return to work. Y'all say y'all are fast and we can count on you. We pay our hard working money to y'all.

I have been with Aflac since 2008. 2017 I had an emergency c section due to complications of IUGR. One of my twins stopped growing at 24 weeks. I had to deliver them at 30 weeks. They did an epidural. Well my babies had to stay in the NICU for 80 days. I was so depressed. Aflac told me they do not cover for depression. Well presently, I have back pain and lower abdominal pain. They still haven't paid me yet. They said they need an additional information. Like it is so easy for them to deduct their money every month from my checking account even till now. But they will not pay you your claim.

I have been a with AFLAC since 2007. My AFLAC policies were set up as pre tax deductions. This past December, I discovered that AFLAC had been charging $67 a pay period post tax since 2007. I inquired the charges and my payments were deducted pretax at a rate 46.98. I'm upset that AFLAC has been overcharging $40 a month for 10 years. I feel the sales Representative intentionally charged me post tax. AFLAC stole from me.

I was taken off of work starting 12/25/2017. I brought all my paperwork already filled out by my doctor to my employer on 12/28/2017. I also called my Aflac rep and left a message that everything was at my job filled out by my doctor and me. I called her on the 28th also. I FINALLY got a call back from her on Jan. 2, 2018. Now she has informed me the soonest I can get my check is the 18th of January. Meanwhile I have rent that is not paid and my phone fixing to be disconnected. I live alone and depend only on my income. I thought you guys were supposed to be known for paying so quickly. Well that's a lot of bull. I am in a terrible bind because I trusted her and Aflac.

I first got Aflac's short term disability, approximately in 2006, so that I could use it for maternity leave, in the future. When I attempted to use it in 2015 I was denied because I did not give birth to the child. My husband and I had to use a surrogate due to me having cervical cancer in 2013 and then having eggs harvested and going through IVF. I wrote a letter to Aflac telling them of my disgust in the situation, as I felt that was cruel to not pay for maternity leave just because I did not give birth to my child, because I couldn't. They responded once to my letter basically telling me I was out of luck, but that they would pass it on. I never heard back from them. It is very hurtful and disappointing that this is the stance they would take.

An Aflac rep came to my place of employment because a few of us workers were interested in receiving short-term disability and/or life insurance policies. While the rep was there I made it known to her that I was born with a hereditary heart condition that I only found out about 5 years ago when I had a heart attack so this is not a pre-existing condition and I was not sure if I am eligible for the short-term disability coverage. She said as long as all questions are answered honestly then there should not be a problem. We answered all questions honestly and Aflac was made aware of the condition and I was issued the policy. After seeing my cardiologist it was recommended that I have open heart surgery because the heart was not functioning properly. I went into the hospital to meet with the surgeons so they could go over exactly what was going to be done, and then they scheduled the surgery.

I recently gave birth and suffered from depression shortly after returning to work enabling me to perform my regular job duties let alone live my normal life. I am a single mother of three children, a six year old, four year old and a five month old. I was forced out of work when I was five months pregnant by my employer with no pay because I was no longer able to lift 75lb boxes. I filed a claim with Aflac immediately and was denied because my employer took me out of work and not my doctor due to no complications. I ended up losing my home due to no finances and that's when my depression set in. My family doctor took me out of work for depression on November 7, 2017 and referred me to a psychiatric physician in which I meet with every two weeks.

When I first signed up for Aflac 2015 I wanted to be able to get disability for maternity leave since Oregon doesn't do paid maternity. After trying for years to finally have a child, I finally did couple months ago in October. When I went to file my claim, since I had to have an emergency C section, this disability was really going to help. Then I find out that Aflac has me on a policy that doesn't do maternity. I'm livid! This is the only reason why I signed up at my work, and was told I could use it for maternity and now I'm finding out I can't. Now I can't be home with my child I worked so hard to have and had to go back to work just 2 weeks after my C section. I've paid into this for 2 years, and now I can't use it. I'll NEVER use Aflac again.

after many phone calls and about to get laywer they paid out my claim

I am recently fighting a short term disability claim with Aflac as we speak. You give them the paperwork they ask for then the next day they are asking for something else and when you give them what they ask for the cycle repeats again, they ask for more paperwork. You have to call customer service every day because they do not inform you of the paperwork you need to send them. You have to find out on your own. I gave them permission to contact my doctor. I caught the customer service rep in a lie. I’m on leave from work but when I do go back I will make sure my employer doesn’t take one cent out my paycheck to pay Aflac again. My Aflac policies will be cancelled and I will be telling my friends and coworkers my experience so they can cancel theirs.

Our company changed to Aflac in Feb/March of this year, I sent in the paperwork, money has been deducted out of my account for months. In late October I found out I have stage 4 cancer, I certainly need my short term disability, and critical illness insurance, but guess what, I don't have an active policy. My agent has me resubmit my forms twice to her. I never received written policies even though I asked twice in early November. As of the end of November I still didn't have an active policy according to Aflac.

The first time in my life I am very ill. I have Aflac short time disability insurance and thought it would be at least not a huge financial problem. They do everything to delay their payment. I cannot count the phone calls I made to Aflac. They ask for more and more paperwork from the employer and doctor, then they have technical difficulties and cannot look up the claim. To make it easier, I gave them permission to contact my doctor and my employer. One time I was told, it took longer, because they had to contact the employer, next time I was told they could not contact the employer and the physician. One time I was told this, the next time another thing... Bottom line, the claim was and is delayed and delayed.

I have not needed to file any claim as yet on two AFLAC policies. I have been wondering how they would deal with an actual claim when I can't resolve billing issues. Reading the reviews today makes my stomach drop knowing I have wasted $90. mth for years. On a fixed income this is a huge loss I have incurred on these policies. I would continue to work to resolve the billing issues; but reading the reviews makes me realize it would be a waste of my time. My current complaint is caused by an AFLAC 15 day notice to end policy #1 on a $60.mth cancer policy owned for 5-7 yrs unless I pay a quarterly amount to open the policy back up. This has happened twice now. They claim my bank declines pymt. I doubted it the first time it happened but I jumped through the AFLAC hoops to please them and because there is not an easy communication route to resolve the problem.

3 years paying Aflac...My only claim filed. I had to call every single day to see what other documents they needed. After a full month of calling every reason under the sun given to deny claim and me rebuking the reason and giving more information... still denied! Stop paying as of today... You will not get another penny from me! Wasted money and time. Fraud if I've ever seen it!

I filed a claim almost 3 weeks ago, and I'm still waiting on a response. The claim status is "portion of the claim being reviewed". AFLAC made several mistakes on my policy, including the effective date. I gave birth to a premature baby. My family is in dire need, after calling 3 times I am still waiting on an auditor to contact me. The company promotes quick responses... That is a FRAUD. If you are considering to purchase a policy from them... DON'T!!! You will regret it. I am considering getting my local media involved, my daughter spent 56 days in the NICU, and we are still dealing with issues from her birth and this has caused additional, and undue financial hardship on my family.

I filed a claim for short term disability with Aflac last mid October 2017, they asked for several different documents but each time I submitted them they had problem with dates or some small issues. They try to delay it as much as possible. Aflac made my employer and my doctor's office crazy as whatever documents they gave they need some kind of corrections to be made. After initial documents, they requested more documents from my doctor's office, which my doctor's office provided to Aflac more than 30 pages.

I started with Aflac in 2015. I had numerous policies through my job which were being paid out of my check weekly. In the month of Nov of 2016 I went into the ER to only find out I had a mass growing within my body. Well after being sent over to orthopedic oncology and oncology at cancer institute it was said that I had a form of cancer growing. After undergoing numerous surgeries for biopsies, chemo, radiation and a massive 6hr surgery for removal of the cancer, I filed a claim once all my UB04, pathology report, dr's notes stating active cancer, cancer associated pain for the meds, the medication printout from drug store and everything requested. They denied my claim not once but three times!!!

Every time I make a claim, I had to fight for every penny. Almost all my claims were declined and I had to go back and fight for them. It has taken several months on some of my claims. When I called to ask about them they said they had to be sent up to the medical people for review. It literally has been almost 2 months since I’ve been waiting for a claim. I will give them credit for good customer service when you call them. The representatives a very sweet and try their best to help you. Several have told me to go back in we make the claim because I had an argument. They are quick to decline, just beware.

I was out of work due to foot surgery in January of this year. Aflac paid me from January to June via my disability policy. However, when I returned back to work, I discovered that my job hadn't been paying my payments to Aflac even though they were taking the money out of my account. Aflac terminated both my policies and told me I would have to apply for reinstatement. I applied for reinstatement and was still denied due to no fault of my own. I also discovered that my job was sending them the money (quarterly) and Aflac was refunding the money back to me after terminating my policy. I am now looking for an agent that can assist me with reopening both policies as an individual because now, my union no longer has the contract with Aflac. Please help.

I signed up for critical illness and accident insurance back in June 2016. I assumed all was well until this past spring when my son had an injury and I didn't know how to file a claim. Come to find out that my coverage was never active because someone somewhere didn't turn on the payroll deductions and no one from my company of Aflac told me. Aflac would not work with me to allow me to pay the year + premiums over the course of a few paychecks, they required immediate payment in order to backdate my coverage to the original enrollment date which I couldn't afford.

I have had Aflac for over 5 years and I have had multiple issues with them. I've never made a complaint online - I've tried to allow Aflac to take care of it, but apparently CUSTOMER SERVICE is not a high priority. Previously, I have been told MULTIPLE TIMES that my claim could not be processed because the premiums had not been paid for the time when the claim occurred. I work for the State of Florida. Premiums are deducted from my check for the future month. Premiums are ALWAYS paid for a past occurrence. Claims have been denied for broken bone follow up visit because they were OUT OF THE TIME LIMIT. The DOCTOR ordered the followup visit to be SIX WEEKS AFTER THE INITIAL VISIT - customary time for healing a broken bone. Aflac refused to cover the followup even after an appeal showing the notes where the doctor said to come back in six weeks.

I have nothing but great things to say about Aflac. No printer, no problem. Take pics of the documents and upload them along with your claim. You typically get an answer within a day and direct deposit within 2 business days. I believe some of the issues may be misunderstandings or user errors, such as the person that submitted the wrong account number. I truly hope everyone can have their issues resolved as I know how difficult it can be to be in a monetary stressful situation along with dealing with health issues.

I have had Aflac before and the experience was excellent. Claim was paid quickly and efficiently. Recently, after joining Aflac again, I see that this company has changed tremendously. I'm not happy with them at all. I have a hospital plan and I made a claim in Sept. 2017 and I still haven't gotten paid. They are not the company they once were. After this, I will not be using Aflac again. Waste of money.

Aflac deposited $145 in my Netspend account on 9/20/17 and Netspend said they never got it. Aflac provided me with a trace number and account number. Nothing was send back to Aflac rejected. I have spoken to Aflac numerous times. My routing number was right but the account number I put in was wrong. Even though my account number was wrong my name was on the account. Nor Aflac or Netspend are trying to give me my money back. Aflac has never sent me a letter with the tracking info on it as of yet. I am not finish with them yet.

I was working on my camper and completely wrenched something in my back. I was having a lot of pain so I went to the Dr. He ordered an MRI to make sure I didn't have a herniated disc. I submitted that to Aflac and they denied it all. I don't know how. I hurt myself accidentally and I have accident coverage. Very disappointing.

I delivered my baby on 9/24/17 and I'm still waiting to get paid. I filed my claim, sent in everything they asked and they are still giving me runaround. Every time I call to check on status I'm told that they are still working on it and they need more time. More time for what?!? Clearly they were given doctors paperwork. It was under my impression we pay for these policies to help us out when health problems happen. I am counting on this compensation just like anyone else. Instead of them helping their customers during these times, they make it so hard and stressful. Really really disappointed!!!

My 59-year-old brother had a stroke on August 4. He's been in the hospital or in rehab ever since. His stroke left him with permanent loss of peripheral vision in his right eye and severe short-term and long-term memory issues. In addition, he lost use of his right hand for at least 48 hours. That all adds up to a stroke under AFLAC's definition of stroke. We received a letter from AFLAC denying the claim because all they had looked at were the hospital bills. They hadn't even looked at the medical records which would have proved his stroke diagnosis via MRI and the loss of his physical abilities for at least 48 hours following the stroke.

Became sick in July. Got hold of Aflac where I have short term disability. Have had to fight for every penny. Bedridden in the hospital, cannot drive, have no way of printing forms. Finally got everything done with them the first time now they are telling me I have to apply for my final 30 days of coverage which means getting a copy to my employer, getting a copy to my doctor and me getting a copy once again. Sent by email. Have no access to printer. Why is it I pay monthly for this and have for several years for them to just give me a runaround? Very disappointed. Not a good way to do business. Nothing was explained to me when I signed up for this. Will not renew.

I’ve been dealing with a hospital/surgery claims process for 9 months! Starting 02/2017 here it is 11/2017. I’ve had the hospital records dept and doctor's office send fax after fax, 10 plus phone calls with response being "we haven’t received anything”, recently hard copies too and the same response only. Now I’m told my husband's name has to be on the patient records... I’m the PATIENT covered under my husband's policy! I made a claim for a regular doctor visit and it was fine without him being the “patient”. I know we could use the money we are spending for this insurance somewhere else.

I had surgery 1 month ago and have yet to receive anything payment wise from AFLAC. I paid my weekly payments to them as required. I filled out all the proper paperwork for the short term disability and turned it over to AFLAC. I have contacted my agents who sold the policy. And as of today there has been no response from AFLAC or the agents...

I can say all my experience with Aflac has been great. It takes time especially when you have to get paperwork but I was on bedrest and 25 weeks pregnant. Now 28 weeks still on bedrest but I used my policy and they paid for every day I don’t work in 2 month inquires. It’s now Oct but I’m due in Jan but have a short cervix so best wishes. It took them 2 weeks to process and get paid 2 days direct deposit.

thank you the problem has been righted and I appreciate it.

I delivered my son via c section. After long hospital stay got home and tried to file claim online with Aflac. It would not let me file online and instead I called and was emailed 3 forms to fill out. I faxed them in with no response for nearly a week so I called the rep on my account. He advised I should resend the forms to him for processing. A couple days later he said he needed verification of my income again. Then a week later I was finally paid. I looked at the dates and realized I was only paid 6 weeks so I again contacted the rep who stated due to the 7 day elimination they paid 5 for vaginal and 7 for section. I again pointed out I only received 6 weeks for my section not 7.

In June 2017 I pulled a muscle 3 times in one month. So I decided to finally go to the ER for them to tell me to go to my original doctor in 3 days. So I did and was out of work for a month. So of course I went and faxed what I was suppose to... waited a month with nothing. Went back to work and got with my human resource person and she emailed. And then we called again... and they said, "Oh we ain't received anything." So back again now in October faxing the paperwork again. And this time they tell me that I need a clinical report... What the heck? This backwoods hospital here hasn't even heard of such. So I say the heck with it and go to the ER to get my medical records 51 pages... just to say I had a pulled muscle. And now I'm still waiting.

So I've always had migraines. But they got really bad in October 2016 due to my mother in law being on her deathbed. October I went to the ER who referred me to a pain management doctor who I've been seeing since November 2016 who has been injecting nerve blocks in my neck to prevent the migraines due to a bulging disc that is in my neck discovered from a MRI that was taken of my neck. I was only getting temporary relief (one day) from the nerve block. So I read about the daith piercing and went and got it after that my migraines were relieved. Hadn't had a migraine since February. Went to my eye doctor 8/16 who discovered that I have pseudotumor cerebri and papilledema. I told my pain management doctor and he referred me to a Neurologist who I started seeing 9/19. He sent me in to get a Lumbar puncture on 9/20 & my neck, shoulder and head pain is back who's is to be expected from a LP procedure.

I've been paying them for 10 years before submitting a claim. I tried submitting a claim online but got stuck in the middle because of an application bug and there was no way to continue; Faxed my claims - got no response. Sent a message to Customer Service online - no record of it at all and of course no response.

So I filed a claim for my 4 day hospital stay and submitted documentation that clearly has all the information needed to process my claim, however when I call to check on my claim I am told to give them 14 days as they need additional info. The Aflac rep would not tell me what's needed so that I could get the required documentation or further paperwork needed.

I don't know where to start. I will never get coverage with this company again and would recommend others not to either. After all the run around I went through and with this company no one wanted to help me. The sales rep from their company told me false information so that she can get me to sign up with them. I signed up with them and they didn't approve my claim. After I had already discussed with my rep my plans and that's why I wanted to sign up.

I had a heart bypass on 12-2016 and filed to claim for insurance benefits. They gave me a runaround for 3 months each time I had to send in a different form. They do not just take your doctor's and your word for it that you cannot work. I had to have my wife send in the forms being I was not thinking clearly and could not move around. AFLAC DOES NOT HAVE AN EMAIL THAT YOU CAN SEND THE FORMS TO. YOU MUST FAX THEM, AND THEY USUALLY ALWAYS CLAIM THEY DID NOT RECEIVE THEM. AFLAC YOU ARE SICK!!! While you are out sick you must keep up your policy to continue getting paid. If you get paid at all. I had to get the local rep involved to even start getting paid. If you are an individual and do not have it thru where you work.

Months after claim filed, I have not been compensated or had anyone contact me to explain why only request for more and more information. Each time they have requested anything I have sent it within a day or two. Worst part of the deal is not getting my paltry couple of hundred dollars. It's the poor way this company communicates with their customers... flat out frustrating. I am dropping all policies.

I've had Aflac since 2023. I have 3 children and of course they get sick and are in and out of the ER/Hospital/Doctors office and Aflac is absolutely awesome. I see a lot of bad complaints like someone said here before. Make sure to fill out forms correctly and read your policy on as many times so that you have a good understanding of it. This year I myself had to use it due to a accident with my knee and not being able to work they definitely paid me for what was my part and being off from work help me while I was home and not being paid by my employer. Like I said make sure to read the black lines and understand your policy. There are waiting periods and so on. Thanks to Aflac and if there's anything they don't pay for or miss out I just have to call them and they are super helpful and quick.

This is early and this is still on going but I would like to share our experience thus far. My husband has AFLAC STD and has been paying $62.50 monthly for over 5 years. We tried to file claims several times in the past few years and were told, that's not covered, etc. This time it was an accident and definitely should be covered. Let's just say we are 3 weeks in and still have no claim and no one there seems to have a clue what they're doing and just pass the responsibility back and forth amongst them. So very disappointed to say the least. I venture to say we will be cancelling this benefit once my husband returns to work.

After paying Aflac thru work 100's after 100's of dollars for Accident and short term disability. It wasn't worth the paper it was written on. After being off work 5 weeks due to surgery I received a letter saying they will not pay benefits. Their word, please don't ever sign up for AFLAC. Save your money yourself and don't trust Steve **, he will tell you anything you want to hear to sell you a policy, 50 dollars every 2 weeks flushed down the toilet due to them telling you anything to sell you a policy.

Upon submitting hospital claim I was in the hospital from May 27 then admitted through the emergency room. Had a heart cath on May 30. I spent 4 nights in the hospital. Aflac needs to pay me for one is my status on my ub04 form says I was on the observation for 3 days. I am so sick of companies trying to get out of their responsibilities. Aflac to step up and pay up.

My husband has Aflac accident disability insurance thru his employer. In the year 2000 my husband had a motorcycle accident. He was off work for a whole year. I do not know what we would have done without Aflac. They paid tons of medical bills and wages for the year. Yes, the forms have to be filled out correctly. If they denied anything I always called to find out what I needed to do to make it right. I too, would call to find out if they received the claims. I did need to stay on top of it. My husband ended up having his leg amputated. In the last few years he had a couple operations on his leg and they still pay for those medical bills. They will pay for any surgeries or complications regarding his amputated leg, but I always have to put the date of accident for the year 2000 for any claims pertaining to his leg. We have had pretty good luck with Aflac paying. Be sure to read your policy carefully as there are procedures that are denied because they are excluded.

I am absolutely furious with Aflac. I have been paying for two years through my employer for additional short term disability and the one time I used it after being out for breast reduction surgery, only received $200. That's after calling for 3 weeks after my surgery asking for an update because nothing showed online. I was informed "the plan you selected requires a 14 day elimination period," which at the time when I signed up for the plan... I was informed the only waiting period was 10 months before I could file for STD assistance not after doing so. Long story short, I've dished out thousands to this company only to receive $200. I am canceling my subscription as soon as I return to work. I received more from my place of employment that IS A FREE BENEFIT at 50% of my salary than that crap Aflac is giving.

I purchased the policy in October 2016. I saw a doc October 28 2016 for back pain. I got a couple ** thought I was good. March 28th I can't get out of bed. Turns out I had a spinal fusion in May 2017. Payments made timely always. Diagnosis in October 2016 "back pain". Diagnosis day if surgery spinal stenosis with spondylitis. 2 different diagnosis. Took 2 months for them to process my claim "DENIED." This is after numerous contacts with their reps. No lie over 20 at least. Don't purchase this insurance. They only steal your money. When you need them they turn their back on you. Shame on you Aflac!

I have had the Cancer/Short term disability policy for several years and had to use them both when I was diagnosed with Breast Cancer in July 2015. I was very shocked when reading most of the reviews, because I have had a very good experience with them regarding both policies. All claims were paid very quickly and without any hassles. If I had not had these policies, I can't even imagine what hard times I would have faced. As long as I live, I will never cancel these policies.

They really make you jump through hoops to get a claim paid. They won't accept an insurance company's explanation of benefits, for follow up visits from a previous accident claim. I have two physical therapy follow up visits from an accident just a few months back and am only trying to get them paid at $35.00 for each visit. They want to see the actual medical record - there has to be an easier way to do this. Now I have to request the medical record for each of those visits from the provider, which means I have to contact the provider, fill out a release form and then wait for the copies and then send them to Aflac - I think they hope that you won't bother. They are also really rude on the phone and very impersonal. They have an attitude in which they act like they are doing you a favor. I just hate dealing with them!

I have had a policy with Aflac since 1988. I used my policy for the first time in 2015. I had breast cancer. Everything noted in my policy was paid promptly. I could not have asked for better service. I hope that more people with positive reviews will write in.

A good friend of mine was approached by Aflac representatives at work about purchasing supplemental disability coverage. My friend listened to them, and told them she is a cancer survivor but now thankfully cancer-free. She asked if this would disqualify her, and was told no. She was still eligible to be covered. She bought a policy and was paying on it as required when she had a routine check up and her cancer was found to have returned.

I have 5 policies with Aflac and have since 2013 - in the last 4 years I have only filed 2 Short term disability claims and they have both been a nightmare. First one took 6 weeks to finally pay out after several escalations. Most recently I became disabled with a condition that requires me to be bed written. For 7 wks AFLAC denied my claim 4x's. On the 5th they are upholding their decision with no further appeals. I have requested for a supervisor review with no contact. My claim needs to be paid since I meet all the conditions within my policy guidelines. This is ridiculous... I've been treated very poorly and will file a small claim with my county. With the help of my Dr. we have provided all the necessary documentation required and because my Dr's records don't match the exact verbiage within my claim it was denied. I am disabled, bedridden and have now developed anxiety and high level of stress due to Aflac.

I paying $80 monthly for two years. Accident and Short-term disability. I had work related injury and out for medical leaves. I requested a claim for these two insurance and they told me my condition haven't the minimum requirements to claim. Please don't give your money to this thieves people.

I've have had AFLAC for 5 years. 5 years of paying premiums. Never filed a claim up until the beginning of this month. I have yet to have my claim processed. My elimination period has come and gone and my claim is still being processed according to their website. This was supposed to cover my bills while on leave, reasons why I have a policy. How is it supposed to help if it’s not here when it’s needed. I got a letter yesterday saying they needed tax info for my premium before it could be processed, whether I pay before or after taxes. You should have that info on file?? It's all on my form when I signed up that your agent gave me. My claim was handled by my agent who claims he's done this over 30 years. You would think he would know all the info that is needed to not delay claims.

Aflac is not in the business of giving you your hard earned money back in claims. I had knee surgery in 2015, they denied it because I returned to work one day too early (Because I need the money from my job). March 2017 I had total hip replacement and was off for six weeks. They sent me $833.00. I asked them if this was just a partial payment? I have lots of bills stacking up. They said that was all they could do. Their advertising is totally a lie. They do not help you with your bills. I was told we could claim for Dr office visits. I sent in claim forms. They too were denied. After paying them every week from my payroll for over 15 years I am done with them. DON'T WASTE ANOTHER PENNY WITH THEM.

After paying Aflac (Aflac Accidental insurance) $400 a year for over 7 years, I needed to file a claim this past April. After my ER visit, my remaining balance was $995.00. AFLAC paid $295 total! This company is misleading. I'm cancelling this plan and am letting my co-workers and friends know NOT to waste their money!

My husband has paid these scammers faithfully. Now that he's been off work for weeks, we are in financial free fall. We keep getting told, "The check's in the mail." What a bunch of crooks. All they want is as much of your money as they can get. Do yourself a favor and save your money instead of making these slobs richer.

I had 2 policies with AFLAC - hospitalization and short-term disability. I was diagnosed with cancer and had to have a major surgery. AFLAC paid the hospitalization but refused to pay the disability. They stated it was a pre-existing condition. I have never had cancer in my life! I appealed this and was still denied. I would not let this rest! I took them to small claims court in my local county and actually won the case!!! They paid the settlement within one week and I canceled my policies. I recommend for those who have trouble getting their money to file a case in small claims court. It is fairly easy and worth the time! No lawyer needed!

This company is horrible. The customer service agents are rude at best. The one day pay is a scam. If you speak to a supervisor and they tell you they'll call you back they won't! I had a claim after hurting my knee and after two three-hour calls and two 1 hour calls I still haven't received my claim. They ask for documentation they don't understand. I had them three way in a call with medical records for them to explain the form but without authorization Cynthia short the manager who was on the phone with me and medical records decided to go ahead and disconnect me to speak to medical record without my authorization illegal. Called back in and got finally after another hour long call transferred to a supervisor who decided it was a good idea to disconnect the call sending me to the survey. So now I'm on hold yet again trying to get my claim approved and the survey was not a good one.

I called an agent to start a dental policy. She took down all of my info. Told me my insurance would be active in 9 days. 2 weeks later, nothing! I called her and she couldn't find my policy. She had to start a new one. 2 weeks later, nothing! I emailed her and she never answered me. I called her supervisor and he said he would find out what was happening. A month later I get a letter saying that my policy was denied because I have duplicate policies. I called. They said my policy is under review because they started a new one. 2 mos. later and still nothing. The customer service is horrible! You are left on hold and when you finally talk to someone, they are clueless! I'm so ticked over all of this!

I have filed twice with Aflac. The first was with a knee surgery that I had. It took 5 months to get paid and of course the payment was way less than it should be. The surgeon's office faced information 11 times costing me $10 each time. I fought every day and it took endless hours to get paid. I had surgery on my right hand and elbow and filed a claim. They denied payment for both accidental and short term. I contacted the agent and she made up things that weren't in the policy for the denial. For the accidental it was denied because I didn't receive treatment within 72 hours after the accident, no it was 48 hours I had treatment. When I had my surgery short term should've kicked in after 15 days. It was denied because elimination period is 30 days.

My husband got Aflac accidental insurance through his job! He has been paying from his paycheck every week! He got hurt on the job almost a month ago! With NO INCOME! Joseph ** is his rep! He has called him NUMEROUS times, and left lots of voice mails for him! STILL WITH NO RETURN CALL! Been 22 days now of trying to get ahold of him! The 800 number has been no help either! Why is my husband paying for this, and then can not use it?!? My husband has no income, and has not received a dime from Aflac. I am furious that nobody will try and help my husband. Joseph ** was quick to sell to my husband, and take his money every week, BUT WON'T HELP HIM GET THE SERVICES HE HAS PAID FOR!!! We do not know what else to do! :(

If you want to collect the money agreed upon in your contract, get ready for a fight. We have had a very bad experience trying to collect from Aflac. The customer service, as well as our rep, has been less than helpful. We decided to sign up for Aflac because my mother in law had very hard pregnancies. My wife makes the majority of the money in our household, so we thought it was a good idea to buy supplementary insurance in case that she had pre-delivery complications (or any other complication preventing her from working) and had to be put on bed rest. We even decided to pay more money each month, also adding a 2 week waiting period for benefits to our account, to make our policy a 6 month disability instead of the standard 3 months. Unfortunately, my wife had some complications around 24 weeks. She was unable to work for 2 weeks leading up to the delivery of a still born baby.

Both times I've decided to file a claim on my accident policy it took months and hours of my time to get this resolved. After my first go round, I decided not to file 2 claims that I was eligible for. This last time, I thought I'd give it a try again and, even after getting my agent and the district claims rep involved, it STILL is not paid out (4 months and counting). After being reassured that all the documentation is in, I got yet another letter yesterday saying it needs more documentation or the claim will be closed. I am the HR person at my company and I have another company that will be getting our business when our policies are up for renewal next month.

Had policy since 2015, paying faithfully every month. Dislocated my shoulder in August of 2015 - went to, which was paid fine, along with going to specialist for months until he was comfortable with my progress. I would need surgery, but it wasn't an emergency, but recommended within the next year. I am a mother of four and have a full time job. After summer and school settled in, I was ready for my surgery in October 2016. After months of rehab and doctor appointments, I was given the clean bill of health in February 2017. I submitted all of my documents as well as a couple other claims for my children. My kids' claims and my physical therapy was paid, but not my surgery or MRI. Called my agent and she didn't get them, so I sent them again. Waited and waited.... Called two weeks later, still nothing. Finally sent them again and I had a claim put in the system. Once processed, it was $210.00.

Ok, I've had Aflac since Oct 2016. I was told that everything was covered and not to worry. I understand about the 0-14 rule. I informed my agent that I was told that I needed to consult with a specialist in March of 2017, which the specialist told me that he had a opening for surgery on April 3. I contact my agent and got the required paperwork filled out by the doctor. After a week later he came to my home and informed me that he couldn't turn it in with it saying that I had this problem looked at back in 2009. He also informed me that it would be considered preexisting. We had this conversation before signing up for the policy and he assured me that this would not be a problem. He informed me to personally send it in to see what happens, but I feel like my agent should have took responsibility to see my claim through, so I'm very dissatisfied with the service.

Had 2 ruptured brain aneurysm in '06, life flighted to Pgh PA, spent time in ICU, then transferred to a rehab hospital after 2 weeks in Presby Hospital ICU. Spent 5 weeks in rehab hospital. Had Aflac FOR 15+ years, they would not pay 1 penny because they said it was from birth. At 56 never had a problem & Aflac said it was from birth and would not pay anything!!!

Let's see where do I start. I've had Aflac since 2014. Never used it. I recently had to have hernia surgery. Was told by doctor I was going to be off about a month. Called our rep. Was told by him, "No problem. Get me your paperwork and I'll help you out." Got my surgery on 4/11/17. Now this part I blame on the doctor. They didn't tell me they wanted a $20 fee to fill out my Aflac papers. Instead just didn't fill them out. So after a few days of not hearing from them I called and was informed of the fee and paid it because my mortgage was coming due and I needed my "peace of mind as they put it". So then I didn't get the papers until 4/21/17.

My wife has cancer and is on chemo. Pill which requires her to take chemo each day. She has been doing this for a year. The policy pays 150 a month when you take chemo this way. She is required to submit a letter from her doctor and a bill from the pharmacy. Some months they pay. Some they deny. Want more information doctor notes. They seem to think up some way to hassle folks with cancer. They are a sad disgrace. She will need this the rest of her life. We have to go thru the same hassle each and every month. Will be filing a complaint to the State Insurance Department.

My sister as well as myself had Aflac until we found ourselves in an emergency. We both had them faithfully take our monthly payments for over a year but when we needed to use this insurance, they refused us both. My sister had a stroke and had to get a lawyer to force them to cooperate with the hospital. It's so shameful that they're still scamming people.

For 13 years I have had the payment on this taken out of my paycheck. I was supposed to have minor surgery, but it turned into a major surgery which has required me to now go on disability. The H/R person at my company instructed me to fill out the necessary forms for my claim(s). I did this and was told that although the reason for my current disability, had nothing to do with the reason they denied my claim (which was due to I have cirrhosis of the liver which they claim is a self inflicted illness) and therefore would not cover my claim. I have looked over my policy and nowhere does it say that my company's policy did not cover the kidney condition that was caused due to a surgery. The Nephrologist even wrote a letter stating that and they still denied my claim. So I have basically paid for insurance the past 13 years that did no good for me when I really needed it.

I have had Aflac since 2013, in what I thought all the policies I needed, per my "rep". I was told when signing on that ANY time going to emergency room for ANYTHING, my Accident or Critical Care policy would cover. Including x-rays, MRI, CT scan, blood work, surgery, etc... Well guess what? It DOES NOT!! I have been denied and have now been informed that there is a Hospital policy that I should buy. Are you kidding me? I have NEVER BEEN OFFERED A HOSPITAL PLAN YET KNEW IT EXISTED! Beyond frustrated, there has to be something that can be done about this! I've just had surgery. Thought I had the comfort of Aflac, but they have denied my claim for Acute Appendicitis. Not worth having!

I've read comments by others, most all are negative, I'm shocked. I have to question if they purchased the right policies and if the waiting periods were satisfied. I fill out no paperwork, my agent does everything! I send her the reports, she selects the proper policy for submission and I have $ in my bank within 48 hours.

My son fractured his pelvis in a track meet. I submitted the normal paperwork as I do every claim. I only got paid for emergency room and crutches. They didn't pay the fracture and claims it's under audit. Why? They give no answers. I'm believing they don't want to pay large sums. And since I complained, I was told all future claims would be under audit.

Group Hospital Indemnity is a joke. I recently ran across the reviews and thought to myself these are so horrible!!! I even procrastinated on filing my claim because I thought that I probably wouldn't get paid anyway, until I got the strength to call Aflac and spoke to a representative who told me to submit my claim forms with my hospital papers and it was just that simple. She even advised for me to fill out a direct deposit form so I could get paid quicker. So I did. She advised me to make sure the hospital charged me room and board or I wouldn't get paid. When I inquired with hospital regarding my daughter's stay, they advised that I would be charged room and board, etc. so I thought everything would be fine, until I got the itemized bill and it listed my stay as an observation private room.

I purchased a hospital policy. My agent wasn't the one who sold it to me. The guy who sold me the policy at the time was informed that I was pregnant at the time. He said that it shouldn't matter that I was pregnant at the time. He told me this in front of a group of people. I was only 4 weeks along at the time. So when I did go into premature labor and delivered my daughter my claimed was denied. I understand that about the policy due to pregnancy. But what kind of agent would allow you to purchase something like that and do not inform you about the risk ahead of time. The other policies I wanted to purchase he told me about the risk on those but not the hospital policy. I will be canceling my plans ASAP!!! NOT SATISFIED.

A few years back my company brought in an Aflac agent and I signed up for a cancer policy and a accident policy. I am so glad I did because I had gotten skin cancer about a year ago. I was a little confused on how to file a claim so I called the agent and she was very helpful. As soon as I got my claim processed I was paid a couple of days later. I'm reading these reviews on here and I'm just surprised because my experience has been mostly positive. After getting paid for my initial diagnosis I continued to place claims for a few of the treatments I had gotten and got paid pretty quickly for those. It's been about 5 months now and I'm cancer free. I'm glad I had the Aflac coverage. I make an hourly wage and once my sick time is up I don't get paid if I don't clock in. Having that money helped out a lot. It kept me from charging up my credit card or dipping into my savings account. Highly recommend this policy.

I'd like to start off with hello. I'm so mad had Aflac for a little while and got diagnosed with cancer but after review they determined that since I have not had it for a full year yet they could not help. So idk what I'm going to do. Wouldn't even waste my time. Have a feeling even if I did have it for a year they would have another excuse lined up.

These people suck. They take my money every week with no problem. Then I have a problem with stomach pains, was in hospital and I receive no help but they are still looking into it. My agent sucks. She told me that her hands are tied can do nothing to help me until they find my records from history, so basically this is not worth having. Will leave this Aflac group. They suck. They are hard to get hold of. My case manager always busy. They are here just to collect your money and find excuses not to help you. I want to hire a lawyer and see if I can get all the money back I ever spend with this people. Want no answers or play the waiting game join Aflac. Yeah right they suck.

I signed up for Aflac through my company 18 months ago. I was told how great it was and would benefit myself and my family if anyone was ever injured or unable to work. Well, that was a lie. I had to have surgery twice last year and surprisingly surgery is not covered in my policy (even though it does not state this). When the AFLAC rep came to meet with the employees at my company the question of surgery came up and the rep stated that indeed surgery is covered. I have paid in a lot of money to insure my family wouldn't struggle if any serious issues ever came up but that did not happen. I strongly recommend not signing up for Aflac, very disappointed.

I have a agent who is NEVER available. The last person said John, maybe Jean... either way they're getting paid to do nothing. My ultimate goal is to pass the word to my friends and family NOT to get a policy. I've had my policy Since January 2015. My daughter had a tonsillectomy Feb 13th, 2017. I haven't gotten paid and now they're telling me they need to know if this is a "pre existing condition"... I AM CANCELLING MY POLICY THE END OF THE YEAR... Aflac takes your money paycheck to paycheck. I would get an extra $80 each pay, if it weren't for them. It's okay. Loyalty to ME IS EVERYTHING... When you needed my signature I gave it. Now I need your help, I see what THEY GAVE ME TO KISS... (AFLAC) with their duck face... Quack on THAT!!! SO UPSET... FRAUD business.

I called at the end of last year to cancel my policy. They asked the reason of cancellation and gave me the confirmation. After a month later, they still continue to deduct the cost of insurance from my check. I called them again. They said they will refund the overcharges. But a week later I received a letter from the insurance company saying that my policy was stopped. I called them again and now they said the "you policy is pre-tax."

I've submitted a claim for critical illness, I was diagnosed with cancer. But it's been 2 months now since I filed and they still haven't paid my claim. Every time I call, they need some kind of form filled out but never mentioned it when I started my claim. I'm sure they process thousands of claims everyday but somehow there's a different form needed every time I follow up. So why they didn't tell me what forms to fill out or submitted to the doctor right away when I started this claim? They just like to drag it out so they don't pay any claims! They probably wait longer so people die first before they see any benefits. I elected this insurance so I have a peace of mind while off work, but it's more of a headache than anything else.

I wish I had seen this site before purchasing a accident and special event policy from this company. We recently had a son that had a kidney transplant. We have been trying to get payment for our policy for over 2 months now. They have strung us along asking us for endless documents from our doctors. The only way for me to get information is to call into the center and be on hold for up to a hour at a time to speak with someone. There is no information online that we can get about our policy. We had been told different information every time we have called in only to be given the run around. The only time we have gotten a quick response is when I filled out a questionnaire and gave them a bad review. I have not been told that they require another 14 business days before they will make a decision.

I have had Aflac since 2003. I file a claim in December of 2016. As of February of 2017 I have not received one penny my local agent John avoid my calls. The district manager avoids me altogether. Aflac have passed me off to this one supervisor Shirley **. She do answer and return call, but as of today February 15th 2017 I have not received one penny and I have my surgery on December the 13th 2016. I do not recommend Aflac to anyone. Save your money.

I started working for a company in November of 2011. In January of 2012 they offered Aflac at open enrollment. I purchased a short term policy. In December 2012 I had total knee replacement and they denied my claim stating it was pre-existing and I had not had my policy for a year. In November of 2016 I had my other knee replaced and again submitted my form. This time they are claiming they never received it and want me to start it all over again. I had to pay the Dr. to fill out the paperwork. It's a pain in the butt and they know that. They deny you, they claim to lose your paperwork, anything they can to not pay. I pay them for a policy every paycheck. They owe me for 2 surgeries and I want my money. The problem is they are too big a company to fight and they know that. How many other people are they not paying? They spend lots of money of advertising but they don't walk the talk. I want my money in 2 days like they claim.

This company will not let me out of my coverage until June 30, 2017. They sure as heck were quick to pull my monthly premium but terminating the agreement is another thing. Stay away from these crooks. I'm very very unhappy with their service.

I joined Aflac February 1, 2017. We were told we could cancel at any time. Today I called to cancel the accidental part and was told I have to stay in it for a year or my company will be in trouble with the IRS because our premiums are pre tax. The insurance agent, "who will be there day and night to see to all my needs", isn't answering my call, text, or email.

My husband got this accident insurance through his job. The first time he tried to use it was the last time. He tore his bicep but when he tried to file a claim they denied it. Apparently tearing a bicep isn't an accident. ??? That seems to be the common theme with this company based on other reviews I've read. There is no such thing as your bicep just happening to tear. I could not even get a live person on the phone when they denied the $179 claim. Less than the amount of the premiums he had already paid in. When my husband told his boss about them denying his claim he canceled their policies.

I signed up for Aflac accident coverage Jan. 1 of this year. So glad I did. I broke my hand on Jan. 14th. After submitting my claim, I had the money IN MY BANK ACCOUNT 24 hours later, no hassles. I think that if you submit the PROPER paperwork and do your due diligence to ensure you're submitting the right paperwork, then AFLAC does what they say they will do. VERY PLEASED.

My son was injured January 21 2017. We had to call an ambulance because his knee was basically on the side of his leg. At the emergency room they had to put his knee back in place and X-rays showed an avulsion fracture. We left with crutches and a leg brace and appointment with ortho. The ortho wants an MRI to rule out surgery and get better view of all the damage.

I have had a cancer policy with Aflac since 2002. My premiums are paid through my employer every month and Aflac certainly has no problem receiving my money. Now paying my benefits is a different story. The wellness benefits are paid, no problem. Good luck collecting when you actually have an occurrence and need your money. They pay, EVENTUALLY. You will make many phone calls, be required to submit document after document. We submitted a pathology report for my husband's third occurrence and they denied our claim due to one word!

Aflac had been okay in the past when I filed small claims but when I tore my meniscus and required surgery I had nothing but problems. First claim was denied because Aflac stated I didn't show how my tear was an accident. I'm not sure how a meniscus gets torn in any other way but they would not honor the claim due to the wording in the doctor notes. I called my agent who directed me to a claim specialist who did get the MRI and physical therapy claims paid. After the surgery I sent the paperwork to the specialist who filed that claim. Aflac did not respond. When I checked with my claim specialist she was told the paperwork was blurry and they could not read it. I don't believe that to be true but assuming it was, Aflac did not advise me of that and I had to follow up to find out.

I have been trying to file a claim since 10/24/16 and keep getting the runaround, saying I'm missing information. It all bs since I gave Aflac permission to access the records from the hospital. Why can't they get them? I have to to go to the hospital and pay so much for each page they print out then pay to fax it so they can pay me a couple bucks. I'm going to tell everyone who is even considering this insurance to run away! I wish I saved the money I'm paying them in a saving account and would be way better off right now.

After paying for 2 years on a short-term disability policy with AFLAC, I had a horrible experience when I had to file a claim the first time. It took almost a month to get my first payment and then it was only a partial payment. Customer Service is poorly trained and everyone you talk to gives you different answers and most times just act like they want you off the phone. Was never told that while I was down my premiums still had to be paid so it lapsed. I knew before the original claim that I would be needing to have surgery a year later for a separate reason. I would not have let it lapse had I been notified. Now here I am having this surgery and still can't get a straight answer to get my policy reinstated. Now after having the surgery, I'm no closer, but they want me to pay 1000 dollars in back premium with no guarantee of my policy being reinstated. I'm disgusted, fed up and will now be pursuing legal action. AFLAC you're full of hot air!

They are full of bs lies every time and only want to pay $135 for everything that is major... Denies claims repeatedly and then asks for more information. Today was my last day with Aflac even though I started last month. I rather have a dental policy than accident because accident is full of bs!! Beware don't fall for the scams.

I have filed several claims with this company only to be denied or sent collecting information that really should not be needed. I filed drug claims, sent what they wanted then was denied, told to find ICD codes for the reason I was taking this medication. I have argued with this company till I have had it. I was diagnosed with breast cancer. I have sent critical illness claims in as they have ask. I send one then they tell me it needs to come from another doctor so the surgeon, oncologist, my MD all have faxed them this information only for me to receive a letter telling me to submit another claim form. This is too much. They're a big joke. What happen to the advertisement "we work your claims quick"? Please.

I am very ill and had to go on leave from work. I filed the temporary disability claim and was told that I do not have six months as I signed up for! I originally signed up for three months and then during open enrollment I changed it to six months because I found out I was ill. It turns out the rep never filed the paperwork with Aflac so now I am seriously ill and only have three months instead of the six months I signed up for. The whole reason I changed to the six month policy is because I came down with a disease and now that I need it I am screwed if it goes over three months. I hope they at least pay the three months as I am still waiting for them to make a decision. I will definitely be contacting an attorney. Very dissatisfied with Aflac.

After only 4 days of this being posted Phyllis responded, 3 days later I saw the reply. AFLAC stepped up and within a week they had a Customer Service representative apologizing and assuring me they planned to work with me to resolve our issues. Apologies accepted and a check was issued/received within 48 hours. I Thank Phyllis for her quick action.

It's upsetting to me to pay for a service and when you need it they are not there for you. I've been trying to file 2 claims for several months now with no success. One day pay is a scam. I still haven't been reimbursed after 2 months. I'm guessing they are going to send me something else saying I need more paperwork. This company is a huge scam. Look at the BBB before you waste your money. I pay on time every paycheck. Do not expect them too! Sincerely your loyal paying policyholder.

I have been an Aflac customer for almost 18 years with the company I work with. I have had to use my Aflac policies minimally in that time up until this year, with a broken arm and knee replacement. Needless to say 2016 hasn't been my year. Aflac has been horrible in assisting me with accessing my benefits. Sometimes up to two months after my injury. They are rude when you call, don't assist, and treat you less than standard. You have to call them basically everyday. They deny you right away and that one day pay thing is a joke so don't rely on it. The reviews on here say a lot. If I had other options through my job I would take them. It's sad... they sure take the payment out of my check each month... I wish I could "look into them" before it paid.

I have had 6 policies with Aflac prior to 1998, including a life policy. I called and spoke to Aflac the life division on June 29, 2013 changing my address and giving them my account number to automatic deposit on the 1st. I had spoken with Matthew and he assured me everything was corrected in the system. I called them immediately after I received the letter from them. I just found out today they had canceled the policy because payment was not made. They want all payments from 2013 which is 1800 dollars. That is just how they treat you. While the president and owner and CEO fills their stockings with millions at Christmas. We get screwed!!! I hope they get investigated and in shut down!!!

I twice now have had to do my short term disability forms. The first time I did not get paid until I was a week before returning to work. They said I faxed it to the main office which took longer. They sent a small check first and then mailed out the remaining balance. This most recent time I had two separate surgeries. Here I am again practically having to beg to relieve my money. I keep getting no answers email after email and again no time frame - nothing. I sent in my hospital bills, ambulance, even my summary of my visit at the hospital, list of everything and all the forms Aflac gave me.

Had short-term disability and life insurance for a little over 1 year. Recently submitted a claim for short-term disability just to find out that it's not even worth it. Due to my annual salary info been submitted incorrectly by my agent (half of what actually is); now I am getting paid half of what I was expecting. They won't correct the problem and their explanations are just vague answers. Considering finding a new insurance company.

I filed a claim with them on 11/21/2016. On 11/23/16 I received an email that they did not have all of the proper forms (they did) but I faxed them again. The next week was Thanksgiving so I gave them Thur/Fri. I waited until Wednesday of the next week to follow up and they gave me the same line of lies. I re-faxed my documents once again. It is almost three weeks later and I called my health care provider to make sure the request has been completed and returned to AFLAC, but they have received no request from AFLAC at all.

AFLAC Insurance is a waste of money. If you attempt to file a claim with AFLAC that is the first step in the AFLAC Wild Goose Chase. Every time I or my wife have attempted a claim we are told that we did not complete the form correctly, that our doctor didn't complete the form correctly. If we make the changes in the manner they direct they say that we will be hearing from them. Usually we just never hear anything until we call back. Once they sent a letter saying that the claim was closed for lack of information. In most cases they just wait until we forget about the claim. It is obvious they have created a scam where they make filing a claim impossible because no person can fill out the paperwork correctly. And whatever you do don't fax them anything because it will go missing every time. I am cancelling this insurance and filing a complaint with the Washington state insurance commissioner.

So very upset with this company. Just had to have tendon surgery on my foot but I don't get paid because I didn't run to the dr. With a what I thought was twisted ankle within 72 hours... This place is ridiculous and I will be dropping it ASAP.

I have submitted eight (8) claims with AFLAC all for the same docs 09/08/2016, 4 each for the two policies hospital indemnity and short term disability, for a surgery I had on 09/08/2016. Dates I have sent docs to Aflac are from most recent: 11/06/2016, 10/26/2016, 10/14/2016 and 10/7/2016. The 10/14/2016 date, Aflac claims they never received my documentation, so I sent again. With each denial/closure of claim they are asking for information that was in the submission they just closed.

I enrolled with Aflac short term disability with my employer. I felt good about this plan initially for times if & when I needed. I was denied benefit due to time of initial diagnosis. My delay for treatment was due to 1. Wrong diagnosis, 2. Waiting for medical insurance to be in effect due to job change, 3. Work surgery time & recovery with work schedule. I am canceling by policy & letting everyone I know not to use this company. Why get insurance. If it's not there when you need. I urge everyone save your money, don't invest in useless insurance like AFLAC!!!

I have never had such a satisfactory experience with a company before! My husband acquired Aflac injury insurance for our family before he retired. Unfortunately, I didn't realize we had the coverage until almost 4 yrs later. While it required me to thoroughly dig thru past medical records, insurance claims, and obtain office notes, Aflac continued to pay for every sports related injury, wellness visits, car accident physical therapy and doctor visits, exercise injuries, gym injuries, and on and on. It's a phenomenal insurance program. As long as you provide requested documentation, the reps will guide you through the rest. You cannot believe that you are actually reimbursed for doctor visits until you get your checks in hand. I can't say enough about the value of Aflac, their promptness, and the safety net they provide. It is so well worth the minimal insurance cost per month for the protection of your family!

Was very upset that they would not pay for an accident claim. I injured myself by lifting something on a Wednesday and experienced a lot of pain in my neck and lower back. Was hoping it was just pulled muscles so did not go to the doctor until almost a week later when I was still in pain. Doctor prescribed 6 weeks of physical therapy and anti-inflammatory. They denied my claim due to not going to doctor within 72 hours. So next time I lie about when I injured myself before going to the doctor? I was trying to save insurance and Aflac money by not running there unnecessarily, but next time I will I guess. Not very happy with them right now!

So far my experience with Aflac has been TERRIBLE. They have lied, been rude, and made us jump through hoops to get anything done. We have complied with all of their ridiculous requests and they continue to lie and put us off. Do not bother having a policy with them because unless it's a small claim for $50, then they most likely will try not to give you money. TOTAL RIPOFF.

I have had AFLAC since the 1990s. Very satisfied with the company and it helped us keep our bills paid. Now submitting a new claim without a REPRESENTATIVE TO HELP. We will see how it works out. Surprised so many are not happy with this company.

I've had AFLAC about 10 years. Originally I had the Disability, Accident and Wellness but have dropped down to just Accident and Disability. I think the procedure of filling out and filing claims is a bit time consuming but once received they did pay quickly. Once I forgot my password and had to call in and the rep there looked at my account and told me I had not filed my wellness claims for the year prior and she got me paid quickly. Another time my agent informed me I could file for a broken foot. They sent me $500! I really can't say anything bad about the company.

I purchased several Aflac policies and held them for several years. Was not late on payments. When injured now disabled they said they got my fax from my employer but wouldn't pay me citing a contradiction that they hadn't received the form. My employer faxed and mailed this multiple times. We both called and they would say they would have it but would lose it by the next week. I kept up my Aflac payments even out of work for 9 months. Trying to get this straightened out. Now permanently disabled. Did not receive one red cent. Do Not Trust this company. They are Frauds. Would not let me give less than 1 star. They are basically white collar criminals waiting for someone to fall prey. Then they can keep their money. If the person is not wealthy and is in very poor health then they don't have to worry about a lawsuit. Just easy pickings. Makes me so mad that I want to throw something at the tv every time the duck quacks. Uggh.

We have been with Aflac for over 12 years. Have filed several claims. No issues other than the new electronic upload. I can upload my documents numerous times and they say illegible every time. I have emailed my documents. Same thing. This last claim last week has been a real pain so I ended up getting my agent involved. I uploaded all hospital documents from ER, sent them in. It was for accident policy. We have all the policies.

My parents paid premiums on older Aflac LTC policies for many years. My father died before he could use his policy and now that my 84 year old mother needs her benefits, I'm told that she doesn't qualify because she is in the 'assisted living wing' of the care center rather than the 'nursing home wing'. The company is the SAME, the price is the SAME and the care is the SAME, yet a 150-foot difference in location prevents her from claiming her benefits?

I enrolled for Aflac insurance through my local union (Teamsters) in 2012. The few claims I have filed have been difficult to collect on. The representative from Aflac who basically enrolled several of my fellow employees was very vague in telling all of us about the group policy we signed up for. Recently I inquired about getting disability insurance and I was told that Aflac is not enrolling anyone for disability insurance at this time. So I asked her if I would be able to enroll at another time and she said no. Very dissatisfied with the whole experience.

Despite reading the bad reviews, I bought into the duck. I've had (2) policies with AFLAC for over (2) years and made a single claim after breaking my ankle in Feb. of this year. It's now the end of Sept. and despite submitting the necessary paperwork and making enumerable phone calls, I have yet to reach the one person who cares enough to do the right thing and pay out my claim. It's been my life's work as a veteran and a nurse to live my life with integrity and it's always a hard pill to swallow when others don't conduct themselves in the same manner. Disappointed.

Do NOT get AFLAC Group! They denied my claim when I was in fact in the hospital for almost 2 weeks... My policy had been in effect for a full month but they told me it was not and denied the claim anyway. They are a complete rip off. They had NO issues removing money from my account for almost 3 months, however, when I got sick and was admitted to the hospital they were absolutely worthless. DO NOT GET RIPPED OFF LIKE I DID!

Through my employer I purchased short term disability and the accident plan. A month ago my family was in a auto accident. My wife and myself were taken by ambulance to the local E.R. I have had to file multiple claims. The first few were faxed over. Yes you do have to stay up on them. After all it's your money. Then the others I did the on line one day claim. It was processed in one day and three days later my money was direct deposit. If it had not been for Aflac I cannot began to think what situation we would be in with bills. I have read these reviews by other people and for the life of me cant understand why they would say things like they have. Every one I spoke to was very helpful even when asking to speak to supervisors. When I did the one day claim the lady I spoke to was nice enough to walk me through the whole process. I would recommend Aflac to any one and have bragged about them to anyone that asks.

We had been loyal happy customers of Aflac for 5 or more years, utilizing their policies as supplemental insurance for various things, as is their purpose without issue. We were coaxed into leaving our individual plan to join a group plan. Things went along well, until the group plan was cancelled. In December of 2014 the policy was cancelled. Through the calendar year of 2015, we dutifully paid our premiums and received notices of premium due, on a policy unbeknownst to us had been cancelled.

I've had Aflac for going on 10 months. Needless to say I was in an accident and upon reaching out to someone to file a claim not only was the representative I spoke with very rude and stated she could not find my policy since I had misplaced my policy number 25 minutes later after providing her with the same information over and over she magically found me. She then proceed to give my number but the one she provided me with was completely wrong. She sent me a email with a claims form. I filled it out and faxed it straight in the same exact day. I've not heard from them. I've attempted to reach out to customer care and haven't heard back from anyone. Needless to say I'm ready to cancel this joke of a policy and shop around! I've never dealt with such crappy customer service in my life and let me mention I am a supervisor in a call center myself. My agents never speak with our customers in such manners.

I have had a cancer policy since 2003 which I took out when my employer offered it to us. I have been paying the premium every 3 months as was set up. In May 2015 I received a letter asking why I had not cashed the check they sent me for the last payment as they had cancelled my policy. I called HQ and asked why my policy had been cancelled. The agent could give me no reason and finally said it was for non payment. This did not make sense since they were returning my payment which I had never received. I finally had to fill out a form to be reinstated which I was. That was in July 2015. I requested in writing to be sent a bill or a reminder so I had some proof that they were receiving my payments and didn't get my policy cancelled without any notice. To this day I have never received a bill or reminder and my policy has been cancelled again. This time I will not reinstate it.

They denied a hernia claim saying it wasn't an accident. This is common practice for them! It was an accident, and this company will do anything to avoid paying a claim. I canceled my insurance. Do not enroll with this company! Save your money and put it in a bank account! You will be miles ahead.

Today I was helped by Princess and Selena after nine months of unrest. I would like to thank both of them for being compassionate and understanding. Most of all they were knowledgeable and able to resolve my issues. Very professional to say the least. A cash award for both of them is recommended for their ability to help me understand, explain the business and offer an alternative. I am not happy with AFLAC for canceling my policies when I was not at fault but I will reinstate my policies because of Princess and Selena who assisted me. They treated me with respect and dignity.

Wish I could give -0 on a rating! Our daughter was at the park, broke two bones in her wrist. We sent all documents to Aflac within a week and they paid us almost three weeks later for one broken bone. So we've submitted the paperwork for the second break 17 days ago and they sent a letter from our cancer insurance, saying the claim was denied. Mind you, we have 3 separate insurance coverages through them, cancer, group coverage and accidental. I sent it to accidental so why did I get a letter from the cancer office!? Get your claims and paperwork right Aflac! I sent all documents to the correct place and address so stop playing games with us!!! We pay you every month with no problem and expect the same! I am EXTREMELY unsatisfied with the way they handle us as PAYING customers!

My employer used to have a contract with Aflac and I bought in. They dropped the contract with Aflac and the agent sent email to me asking if I wanted to continue policies and I said yes and had automatic debit from checking. She dropped the ball, did not send in renewal for disability, we needed it and found out it was discontinued. I went with another agent. She came to our house and we specifically asked for disability policies. We ended up with a cancer policy as well. I had surgery, off work 3-4 weeks, therapy and everything. I called agent to submit disability claim, and found out I had none. She did not even fill one out for us a year ago and instead was an accident policy. I'm out. DO NOT purchase Aflac. They are a rip off and the agents always say to contact corporate. What is the point of an agent if you always have to go through corporate.

Our company was offered Aflac services through a local insurance rep. She made it seem easy to get good results from any of the policies she offered. She gave several examples of how Aflac helped some of her clients. I chose the short term disability policy in February 2016. Had back surgery in August 2016 for cysts that developed in my spine. The rep sent me the paperwork to be filled out 2 weeks prior to the surgery so she could get it in the system early to speed up the claim process. The claim was denied because the surgeon and my employer signed the forms prior to my day of disability, which was the surgery day. Still waiting to hear back from our Rep. Beware of Aflac. I have heard from several people that they had the same problem with getting their claim approved by having the paperwork incorrect. I did what our insurance Rep. instructed me to do to no success. Will be canceling my policy. Stay away from Aflac.

I received a check for intensive care for Marvin ** and since he passed I can't cash the check so I sent a fax back with the form you told me to send with a death certificate. Now they tell me they didn't get it. I'm so disgusted with this, I have done all they told me to do. Every time you call you get a different person and nobody knows what's going on. I would like attention to this. Fax sent 8-5-16.

I only gave them 1 star because no stars was not an option. Problem number one: I faxed a claim form to them because my husband was in the hospital 2 nights for emergency appendectomy. After three weeks we still hadn't heard anything so my husband called, the lady he spoke with said, "Oh! That's the wrong fax number." (It's the number at the bottom of their hospital indemnity claim form!!!) So she gave him another number. I faxed to that number and it was a phone number to some other random company! So I called and spoke to someone and she gave me yet another fax number, it seems to have worked, we'll see.

I requested funds to be sent by mail on June 20. Address was changed on June 17th. Spoke to Tami ** on July 14. Informed her via email that check issued on June 20 had not arrived, to please send a stop payment for. On July 18 Tami sent us an Lost Check Affidavit form. This is when I noticed the address on the form was incorrect. A month had passed by, and repeatedly assuring me that the address was correct on her end, I find the affidavit form to have wrong address. To make matters more frustrating Aflac employee insisted that I absorb the notary cost.