Aflac Reviews

So I signed up for short term disability in hopes that one day I could have some help if I needed it for bills should I have an emergency which is exactly how they explained this would work for me. Well... in March I had an emergency C-section and my son and I nearly died. Thankfully we’re fine. I had nearly forgotten I had the policy because I was really messed up from the whole ordeal and having a 2 month premature baby in the NICU will do that to you, however, my husband reminded that we had that and I needed to file which I immediately did because some hardships had us in a bind with our money and we didn’t want to lose our apartment because we had nowhere to live in that city where our child was hospitalized.

I was sold the policy from a sales rep saying that if I were admitted into a hospital for 24 hours or more, they would pay the benefit. I had a gastric sleeve done to treat my fatty liver disease. Apparently, this is part of the exclusions that allow them to deny benefits. So I got denied my clam the first time because when I submitted it, I didn't explain clear enough it wasn't for weight loss, but to address the fatty liver issues and see if I had cancer. I sent in an appeal letter. They never processed my appeal because I didn't include a formal letter saying I wanted to appeal the claim denial decision. I only found out it wasn't processed because on day 40 of my 45 day period on when I was supposed to hear about their decision on the claim, I called.

On April 29, 2018 my husband broke his right foot at home. He went to the ER the next day. Two days later I put in a claim for Aflac. Two times he has been denied. They state that his break is from diabetes. They knew he was a diabetic when we started with Aflac. They are now using it as an excuse to deny all claims. This is not fair. His break has to do with him not acting his age and playing rough with the kids. Do not waste your time or money with this scam.

Aflac is a reliable, honest company. My mom had Aflac for over two decades prior to me enrolling through my work 7 years ago. It helped her through some really tough times when we were younger, and has helped me significantly the past few years. They pay claims quickly and effectively communicate about any missing documentation for a claim.

I submitted a request for claim to be paid and it was denied. I submitted all the forms and paperwork as well as contact info for every doctor, MRI and hospital stay I had a bill from. I resubmitted with additional info again denied. I have now filed an appeal where I actually drew arrows next to dates and codes to get their attention so they read that I was within the 72 hours to see a doctor and I had surgery not just a quick appointment and sent home. I am hopeful that someone actually takes time to do a good review and accept and pay the claim as it should be paid. The only contact they attempt to make is mailing me letters telling me they denied my claim. I am very disappointed in AFLAC especially since this was my first time having their service and had been told it was great. I would not currently recommend this service to any of my family or friends.

If I could give less than 1 star I would. Surgery on 3/8, claim still not processed. Called today told claim closed, will be reopened though they acknowledge they received all required. Will be reopened and reviewed in 3 days. Not optimistic that I will ever get my claim paid. Feels like a scam. You are better literally taking the money you spend on Aflac and putting it in a savings account every month. I wish I had come to C.A. before I signed up. I definitely would not have as it looks like I am not alone.

I signed up for Aflac in 2014 for a short term disability policy to cover maternity leave when we decided to have kids. My daughter was born in Feb 2018 and I filled out all the necessary paperwork to Aflac. I had contacted them prior to let them know that I had to resign from my job 4 business days before my due date because my family would be relocating to another state after my maternity leave. I was told it would be no problem. My first claim was denied because I was not employed. I spoke with a representative and they said it should not have been denied if I met the requirements of needing assistance with at least 3 ADLs.

I had a partial hysterectomy in May 2016. I signed up for my policy in April 2016 to make sure my family would not be without financially lacking. When I signed up for the policy AFLAC agent, Mr. Randy ** of Northport, AL, did not informed that I could not use my policy with the first thirty (30) days of purchasing it. I contacted AFLAC customer services and talk to one of their representatives to find out was there a limit on the years after my surgery of filing my claim and she said no. So I filed my claim two (2) years later and my claim was denied. That I don't understand. I have paid this policy for two (2) years and when I decide to file, I am denied. What is the use of the policy, if when you file a claim that you are denied. Buyers beware. Your claim probably will not be paid!!!

After multiple call and delays and just plain false information, disability claim remains to be paid. I initially started my policy x 2 years ago and of course as previous reviews reps also stated claims would be paid in a timely manner, well that's not the case. Now since I am military retired and have the extra income to take time off without pay, AFLAC requested to have W2 for 2016 and 2017 which reflects less pay than I am entitled to even though HR sent them what my pay is I am asked or told to basically take a reduction in benefits in order for claim to be processed. I was told a letter of reduction was sent to my home on May 09, 2018 by one of the many customer service reps I have talked to and today 05/21/18, letter has yet to be generated. Please don't waste your time with this company, it seems like bait and switch on the services they provide. I will be ending my Multiple Policies and informing employer of great service they have provided.

Paid in to short term disability for a year. Needed to take time off for treatment for a major depressive episode. Denial letter came and advised Aflac doesn’t cover any mental health issues. In this day and age when mental health is a hot topic, to not cover is short-sighted. This exclusion was not pointed out to me. I think major exclusions should be pointed out. As others wrote about, if you don’t see a Dr. within 72 hours of an accident, you’ll get denied. Another detail that was not brought to my attention. They promise the world and then have many convenient loopholes to avoid paying. I believe they are not transparent nor ethical. Save your money and look elsewhere.

I just signed up for AFLAC. They will be removing $106 from my pay every 2 weeks to insure me and my spouse for cancer, accident, and short term disability. The agent that came into our office to sign us up made it sound like payout are easy as 1 2 3 and the payout are usually in less than 24 hours. I work in the medical profession and some of these reviews are disturbing. I code diagnosis for my patients and I don’t know if the codes I use are specific enough to have a patient get a claim paid. I get that a spider bite would be a tough diagnosis without supporting documentation such as use of anti venom or debridement of necrotic tissue or a picture of the injury with textbook characteristics. Or detailed provider note that explains the providers medical decision making for treatment of the “spider bite”.

I have a friend who has an Aflac policy. He was admitted through the ER and was directed to a nephrologist. He saw the doctor in March and after test they diagnosed him with End Stage Renal Disease. He has never been sick and as soon as he was diagnosed he had to be put on dialysis. It's being said this is pre-existing. According to the doctor there is no way End Stage Renal Disease is pre-existing. Once diagnosed you must have dialysis or you can die. He only want the type of help he deserves. He is not asking for anything except what he paid for. I took my story to other facilities in my area and asked them, "Is this being there for the person when they need it?" Think before signing your name on things and offering it to your co-workers and expecting someone to be there for you!

Aflac is a ripoff. I had several claims that was denied by Aflac for different reasons but with the last one being for my accident policy because I didn't go to the doctor within 72 hours of my injury. I had a fall in my house and when it happened I didn't feel the need to go to the Dr. because I thought I was ok but after a week or so I started having pain in my neck and shoulders. So then I go to my doctors and had Xrays done which didn't show anything but the pain was still there so went back to my Dr. and ask him to order a MRI which he did. Come to find out I had a bulging disc and one rubbing bone to bone so I ended up having surgery after PT wasn't doing any good.

I have been with the Aflac Accident/Family plan for more than 7 years. My wife recently, April 18, 2018, had surgery to repair a torn meniscus. I filed the appropriate tons of paperwork only to be told that nowhere in the reports does it say this is the results of an accident. I explained to the customer service rep that meniscus just don't tear without it being some form of accident but because they couldn't find the word accident in the doctor's report it has been denied. I was told also that the accident report should must be within 72 hrs. This doesn't make much since being that most injuries take longer to become unbearable to where you go to the doctor but it does not mean it wasn't the results of an accident.

Ridiculous! Hospital policy in effect. Had our baby 3/6/18 and he ended up admitted to NICU a few weeks later for 5 days. Filed our claim on 4/24/18. They wanted copious amounts of paperwork which was all submitted via fax and uploaded on their website same day of claim. It's 5/14/18 and I have called at least 6 times to see what the hold up is; each time I call there's a different reason and I'm told it's scheduled for review that day (funny as it's been scheduled for review on 6 different days now), yet nothing is happening. What is going on with Aflac?! I had this insurance years ago and it was phenomenal. I NEVER had a problem getting my claims paid. Seems like they're running a racket now.

Supplemental insurance - I have been with Aflac since 2002, signed up myself, have had them take out the money out of my account which is under $50, and December my home was affected by the fires. This month May I called Aflac inquiring on other policies. Found out my current policy was cancelled, I asked him what happened. I was dumbfounded. It was like being kicked in the gut... They say they sent me a letter in October 2017 which I did not receive that they could not submit payment even though they have never had a problem before and I have used two different accounts which they have access to both.

I went out on maternity leave on 3/29/18. I filed my claim a week later. Aflac guarantees payment in up to 4 days, well it is now 5/5/18 and I still have not been paid. In the beginning, every time I called customer service I always got a different answer, first it was they had all the info they needed and it will be reviewed, then they didn’t have everything and needed my W2s, then they needed a statement from my previous employer. Now, I have sent them all of my W2s, the statement from my physician, my current employer statement and previous employer statement. They have more than enough information to verify my income.

Temporary Disability Insurance - I have sent my claim on 03/29 for a surgery I had on 03/19. I have called Aflac on 04/04 to see what was the status of the claim and they told me it was being reviewed. Today 05/04 I have logged in into the website and still appears as being reviewed. I got released to go back to work on 05/07. This is the first claim I have submitted. I have had this insurance for 6 years now and I cannot believe this is the way that they treat people on disability. I have called today to speak with a customer representative but they have set a recording saying their system is down and there is nobody to attend.

My wife out a claim for my shoulder surgery and physical therapy and AFLAC has decided to deny it because I did not go to the doctors immediately when it hurt. She sent in all the requested medical record (50 pages) from the VA but continued to give her the runaround. The supposed Quick Claim was 7 days. What a scam! I guess every time something hurts a little, you have to go to the doctors in order to have any luck with a claim. I've told my wife to take me off the policy because she doesn't need to waste her time with the AFLAC representatives and the money for this scam.

My fiancé had an at home injury resulting in a double hernia. On April 12th he had them fixed and then had one of them repaired on the 18th. He filed for short term disability and an accident claim for each surgery. They have us constantly sending more papers and need more documents, filing new claims, and then saying they need something else. Now that we've given them everything they are saying his hernias are a sickness and denied the claims. We trusted this company to take care of our family while he got better and now I just don't know what to do... I do feel that after reading these reviews it's clear that this is Aflac's game. If anyone has been successful in getting ANYTHING from these people I'd appreciate some pointers!

MY CLAIM WAS IMPROPERLY PAID!!! I was out of the country from April 4 to 8, 2018 to attend an event. Unfortunately, I got an accident last April 5, my right leg got burn from the muffler of the motorcycle. I just went to the drug store to buy medication and applied the medicine to an affected area of my leg. After 3 days, my wound is swollen and painful and I had a fever. I cannot walk properly also because I’m experiencing pain in my leg. April 8 when I decided to go to the hospital, I went to the emergency room and while the nurses and the doctor are treating my wounds, they told me that I need to be confined at the hospital because my wound got infected. I was in the hospital for more than 24 hours. The doctor told me that I need to stay at the hospital for at least 3 days. When I returned to Guam, I filed my claim through smart claim. After 24 hours, they DENIED my claim.

Had a hospital policy for a year before my claim was denied for a second time. It was denied because I could have “possibly” conceived my child before my policy effective date. How awful and inhumane to deny me based on a possibility after all of the documentation they requested from my doctor's office. If this company can find a reason to deny you they will. They have all of my premium payments for almost a year and then shut me down when it was time to do the right thing and payout. They also had an extremely mean and unprofessional representative I had to deal with weeks after delivering. I spoke with a few helpful and friendly people but overall Aflac has been a nightmare. I was taken advantage of. Bottom line I hate I ever learned of this policy and signed up.

I have Aflac accident insurance for 15 years due to my line of work. My family is covered under the policy also. Last April on our 1st day of vacation on Fl we were involved in a vehicle accident getting rear ended and pushed into another vehicle. My wife messed up her neck and back pretty bad and had to go to the hospital. MRI's and nerve tests, numerous doctor appts and physical therapies done. Docs want to do surgery on her neck and back. I sent in all paperwork for doctors and insurance comp (113 pages total) and I still get the runaround that I need more information and get partial payment for my claim. At this point I am fed up with this company and after this going to drop the insurance. I heard Allstate has a better policy so I am going to look into that.

I've worked in many restaurants which seem to be a prime hunting ground for the AFLAC predators as they seem to prey primarily in less educated unskilled low-income job areas. Knowing most of us live paycheck to paycheck we can’t afford to miss work for any reason and AFLAC promises to fill this gap and take care of the bills if you are forced to miss work due to injury. But they won’t pay. They run me thru this never-ending maze of paperwork knowing all along it doesn’t matter what you provide, they have a reason for denial for any and all scenarios you present them. And when you publicly expose their fraud you will get an automated response from “AFLAC Phylis", from worldwide HQ telling you to contact her personally. It’s just a public ploy to show others checking these reviews that they are reaching out to rectify the situation. But they don’t. AFLAC Phyllis will prob reply to this with “her” generic automated response. We shall see.

My husband purchased Aflac through work. Though the woman that we deal with is amazing Aflac themselves aren’t so much. At first they were pretty easy to deal with. Recently my husband was off work because he hurt his shoulder for 3 months. Every time we submit paperwork we have to submit more and more information. They said because we’ve had so many claims. Duh. My husband is off work because he hurt himself. That involves doctors, therapists, surgeries, etc. We have 4 different policies through them and they don’t want to pay out on any of them unless they have (exaggerated a little) 10 different reports. It is absolutely ridiculous. I am seriously thinking about talking to my husband and dropping Aflac.

I bought my AFLAC cancer policy in 1994 and recently was diagnosed with metastatic melanoma on my scalp and had a PET scan that revealed multiple lesions throughout my body. These internal locations are in places too difficult to biopsy according to oncologists at Levine Cancer Institute. Because my pathology report from the two lesions removed from my scalp does not show Clark's Level staging, AFLAC is refusing to pay the one time initial payment for cancer. My oncologist says that Clark's Level staging is no longer used and hasn't been for many years. I am taking immunotherapy in hopes of slowing the growth of the internal melanoma and am appalled that AFLAC would deny payment. Oncologist is going to provide me information showing this and I will be submitting a rebuttal. I am very upset and think that when a person is facing such a terrible prognosis that we should not have to "fight" overpayment. How can AFLAC be so heartless??

About 14 yrs ago I had Aflac. My wife and I went on vacation and when we got back within 24 hours I got sick. I walked somehow into the hospital with 107 temperature. I was immediately admitted and lay in the hospital for 13 days. Very touch and go. Dr diagnosed me with severe cellulitis due to a spider bite. I faxed mailed any and all paperwork to Aflac only for them to deny any payment because Dr couldn't name the species of spider! The commercials are very cute but the business is a total scam and greedy.

I signed up with my employer nearly a year ago, Sarah ** / Tori ** were the agents. I was admitted to the hospital on 2/7/18 because I had to have a hernia repair surgery, and a weight loss revision surgery, in which the doctor decided it would be too painful to do two separate surgeries and would rather operate on me once. After, I was released from the hospital, and while recovering I reached out to Aflac only to find out I was NEVER enrolled in the Hospital Indemnity nor the Accident insurance, I immediately reached out to my employer, they contacted their Aflac Representative In which it took her two months to make contact back to them to get me enrolled for an effective date of 7/1/17.

I should have learned the first time I had them. I had hospitalization and my appendix burst. They wouldn’t pay out cause I was not in the hospital for 23 hours. I was there 22. So I canceled. Then they came around as I had my own business, so I get short term disability. I pay the extra money so they pay out right away. I have to take a job with another company and I get hurt. 3 months of information going back and forth with Aflac and now they deny the claim cause it was a work related injury! It took them 3 months to tell me this! Plus we have no agent in the area cause they all seem to quit. So now that I thought I was covered was all BS. I would not recommend this company! I think I should contact a lawyer and just see what my options are.

Most of the customer service people were nice and appeared to attempt to help. However, the auditors are TERRIBLE!! Unbelievable how bad this experience is. I filed claim 3/7/18. As of 4/17/18 STILL going in circles with them!! They say they need a piece of info; provide it, they say "oh no, we need a different piece of info. We will call you"- & of course, NO ONE calls. I had surgery. Aflac says they're here to help (& I’ve paid for this supposed service)... ALL they have done is create more stress!!!

Back in July 2017 at my new employer I was informed by Aflac team members reps that EVERYTHING was covered by their hospital indemnity policy, just that since I was a female I had to wait a year into my policy to have a baby. Moving forward to March 17th, I go see my regular physician and get an annual only a few days later to get a call saying that my iron in my was blood was so low that I needed to go to the ER to get a blood transfusion. Before I could even make it to the ER I passed out at home alone. After my family got worried from my job contacted them stated I never made it to work. They came to my home looking for me, they found me passed out.

My husband had an accident getting out of his truck and cracked his knee. He tore his ACL and Meniscus, first had rehab, then an MRI, surgery and then more rehab. He is out of work for 6 to 9 months after the surgery. This makes it a year total he will be out of work. I must have sent in at least 40 pages of reports with accident and injury stated on all of them. Yet, my accident claim was denied because they are claiming it was not an accident. "It just happened on its own"- isn't that an accidental injury? Tell that to my husband who had surgery. Tell that to his employer who now has a worker's comp case.

I went into the hospital with chest pain, they ran every ran a lot of test to try and find the cause, but like a car when you bring it to a mechanic, they couldn't find the problem. So they decided to admit me overnight, now I went in at 11 am on a Saturday and wasn't released until 7:30 pm on Sunday. When I signed up with Aflac, there was nothing in my paperwork or pamphlet that says anything about an observation room exclusion. It only says hospital stay has to be more than 18 hrs. So my claim was declined because of something they added later. I think this is fraud.

I have been going through this process since December. I had gastric sleeve surgery December 13th. After fighting with my insurance since June and denying based on the services are not covered due to the policy, I went to Mexico. After coming back, I met with my PCP and she put me out on short term disability. These policies are set up for you to fail.

I am over 65 and working full time. Money is still being deducted from my paycheck. I have heard that Aflac will not pay ANY claims if the claimant is over 65. Is that true? If so, why are you still accepting my payments. If I am just donating money there are many other entities I'd rather donate to. I have heard that policies cannot be switched and new policies cannot be purchased if the claimant is over 65. Is that true?

DENIED! I cannot figured out why my claim for my baby hospitalization was denied. Me and my wife was on vacation out of country for a week and my daughter 17 months old was having a diarrhea and vomiting for more than 24hrs. We decided to take her to the nearest hospital and was diagnosed for a GASTROENTERITIS with mild dehydration. We were advised by the attending Physician to admit her for more than 24hrs and so.

I personally carried 2-policies (cancer & accident) with AFLAC for approximately 8-years. I also own a small business and bought accident policies for all 10-employees as well as some employees personally paid for select additional policies. So I was leveraging quite a few policies with AFLAC. Didn't matter. They are typical insurance scam trying to deny claims and get you to accept less or no reimbursement.

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.