Aflac Reviews

During the month of April 2014, I suffered from a terrible foot injury AT HOME. I did not expect my job to help me nor did I expect Worker's Compensation to assist my finances for my lost income. I knew I could not work for a couple months due to my job requiring me to stay standing most of the time and I was very scared from seeing all my out of pocket expenses regardless of my insurance and decided to call my Aflac rep. I told him about my situation and he guided me through the process. I spoke to my Dr. and had my information faxed to Aflac headquarters and in 5 days I had received a check in the mail. Aflac did not care whether my injury took place at home or at work, they simply compensated me for my Short-Term Disability policy and sent me a check in the mail no questions asked. I recommend calling your Alfac Rep and taking their advice FIRST before anything. THANK YOU AFLAC!!!

My coverage is new. I signed up in May 2014, effective date 7/1/14 with the grace period, 7/30/14. I'm good to go. I end up having my plantar fascia cut and heel spur surgery on 8/1/14 and a sprained ankle on top of it. Filled out all the paperwork. Every week it's something new they want. Past medical record for the last year, then a questionnaire for the Doctor, then they closed the claim. Who knows why, I wasn't told, I just noticed it on the website! I called to have them reopen it, then they wanted Doctor's office notes from certain dates, then a letter stating when he told me surgery is the only option. Each time, I was told that was the last thing they wanted.

Having read so many complaints regarding AFLAC, I find myself extremely nervous that, I am being taken advantage of by this Supplemental Insurance Company. I signed up for Vision, Short Term, and Accidental. I have two separate claims, one under short term, for an illness that went from May 3rd until June 26th. Also a Car Accident where I was out of work from June 8th until August 25th. All paperwork was faxed, and sent by August 26th that was requested in the initial forms. Yet I am understanding they want me to do all the footwork, to retrieve even more paperwork from each and every doctor in the loop. This will be a hard and arduous undertaking, as I still have not replaced my car and now am also working again, at the same time these offices are open. So I can choose to lose a day or two of pay, spend more of My own money and time to get paperwork they need. Or I can give up, which is what I feel they want.

My husband signed up to get short term disability, however the agent signed him up for hospital and accidental insurance. We have health insurance for a reason. I only found out because I wanted to make a change and so I contacted the regional manager. I can not get him to answer my or even respond to me. What a fraudulent company!

My husband tore his quadricep tendon in an accident. He has been paying short-term disability with aflac for three years without needing it. He had major surgery on his knee to repair tear. We filed all the paperwork that Aflac required. My husband's injury was 6/2/2014. He received his first check 7/14/2014 from Aflac which isn't too bad. His paperwork said he could not return to work till 9/2 after evaluation from his surgeon. We were waiting for his other check from Aflac which was due 8/14/2014. I called to see where his payment was. I get three different answers every time I call in to Aflac. One rep said they read the paperwork wrong and we would get a check in two days, one rep said it was sent.

Signed up for Aflac at my job. Each week, pay came out of my check. Had knee surgery Oct 2012. Jan 2013, policy canceled due to non-payment. I was paperless and decided to go back to receiving pay stubs. Aflac rep first said it was not them receiving the deductions from my check. Finally, my payroll dept gave me the account number this money was being deposited into. I also had them stop further deductions. I've gone thru 3 reps until I demanded a higher person. I've emailed and called her and even faxed my payroll response that they in fact were receiving monies from my check weekly. 3 months now and it's still being reviewed!!!! Get with it. Was easy taking my money but it's HARD to give it back. About to contact family lawyer and see what other actions I can do.

I had to have surgery in July 30th, 2014. This is my first short term disability claim. Today is August 22, 2014 and I still haven't received a payment and it doesn't look like I will for another week or so. I have had to call Aflac nearly every day, run around and resubmit copies of my surgery dictation and an itemized bill etc. This is a pain when you are supposed to be home recovering. Then I get a letter stating that they need income verification (w2 from last year)?? No one would tell me why. Then an Aflac employee (9 days later) said that the person who signed me up for Aflac in 2012 may have done it incorrectly so instead of getting $2000.00 per month I would get less? $1800.00 maybe.

I first want to say I'm not perfect just like the rep from Aflac is not perfect. With that said, I honestly don't know how the representatives from Aflac don't get fired or at least reprimanded because apparently the rep that I was assigned to is hardly in the office and it takes them 24 hours to return a phone call?? This all started July 8, 2014 after I've been paying Aflac for four policies since June 2013, Accident, Cancer, Hospital, and Short Term Disability policies.

Submitted claim for a procedure, Cystoscopy, which is listed on my personal sickness indemnity plan as a paid benefit... Aflac representative stated that because this was done in a urologist's office that they will not pay the benefit... I STILL HAD THAT PROCEDURE DONE... They should pay it... These days a lot of specialist do procedures in their offices instead of operating rooms... I AM VERY UPSET, BECAUSE THE PROCEDURE WAS DONE NO MATTER WHERE IT WAS DONE!

Had an Aflac rep, who came in our workplace to sell policies to employers. He did his sales speech - all sounded like a great thing to have. Between my husband and I signed up for short dis, accident, and cancer. So March 1, 2014, is when our sign-up was. Policy for short-term was dated April 1, 2014 as the start date. May 1, 2014, was when 30 days waiting period ended. Since we have 5 kids to take care, we as parents thought this would be good for us - you never know when life throws you a curve ball.

On June 7, 2014 while moving furniture, I felt something pop what I thought was my shoulder. Went to PC June 9th, was referred to an ortho who sent me for an MRI. When results came in, ortho sent me to neurosurgeon who said discs in my neck were herniated and pressing on my spinal cord and I needed surgery asap. Been out of work since June 12th, had ACDF multilevel surgery 7/31. Have sent in ALL paperwork and have rec a total of 225$. That duck lies and if I see him his butt is dinner!!! Can't even buy food! I am a single woman and now have no income or answers?????

I signed up for the accidental policy as well as the sickness policy around the end of June of this year. On the 10th of May, I was working swinging a sledge hammer and somehow ended up with a hernia on my stomach that somehow strangled the flow into my colon or intestines which created a severe blockage resulting in having an emergency surgery to remove the damaged part of my colon. The sickness part of the policy wouldn't pay because the policy was less than 30 days old. We filed it as an accidental claim but they denied my claim saying that it was a preexisting condition. I had surgery for Crohn's disease over 30 years ago so how can they call it preexisting. Preexisting usually is within a 5-year period, not 30.

My representative was very good about NOT including information about the policy. She did NOT tell us that we could not cancel our policy unless it was open enrollment. I can no longer afford to have that much taken out of my check, and no one will help me! I have already told everyone I know that Aflac is a scam! If I were to save the same amount that were coming out of my check, by the end of this year I would have over $1000 to put towards bills, child care, whatever. Instead it is going into Aflac's bank account (from which I cannot wen get any benefits from). I will never use aflac again and I have serve all others from my work whom are in the same boat.

Rep signed up myself and a few other co-workers. I had a claim and contacted rep so I can submit paperwork. Found out I had to be paying for a full year before I can submit any claims. Would have been good to know had the rep mentioned this in her presentation... Then, I discovered employer failed to pay Aflac so policies cancelled due to non-payment. Thanks for the notice, Aflac - NOT! Rep never got back to me regarding how much I was to be reimbursed. I have money owed to me out there in Aflac world. Employer out of business.

I have many claims from hospital indemnity that have not been paid and MRIs, etc. The claims adjusters are useless. They do have medical clearance and have spend many dollars to get sending to these people. I have tried supervisors Angelic ** and others and still having trouble. However, Angelic was the only one that got me going in some ways. I am on medical leave from my job at Sykes and I am paying my own premiums now for accident and hospital. I was never informed of this from Sykes, but I have been paying for the last two months. I need some help to get these situations resolved. Medical releases and auths everywhere.

I had to have major spinal surgery. On the same day I found out I needed spinal surgery my employer let me go. I filed my claim on 6/10/2014 and complied with all the requirements. My neurosurgeon and neurologist sent all the necessary documents describing my condition before and after the surgery. I have not received one penny from Aflac to date. Aflac has bent over backward to find a way to not pay anything from claiming pre existing conditions to me not needing assistance after my surgery. Aflac is a fraud and I will never pay them another dime. The only ray of light and understanding in this whole ordeal is the Phoenix customer service representative Pamela **.

I submitted my claim with Aflac for an accidental Hernia I received while doing some heavy lifting performing yard work at home on June 5 of 2014. This Hernia required surgery to correct the condition. It is now July 21st & Aflac has still not settled my claim. I am being told that the auditor says that there is no evidence that this was caused by an accident. Have you ever heard of someone giving them self a hernia on purpose? The lengths that this insurance company is going to to avoid paying my claim are, to me, unbelievable. I can not fathom how that kind of a mindset works, or how they can sleep at night. Worst insurance company experience in the world. Do not even consider this company when looking for additional coverage. They are a Joke!

I think the recent TV commercial where the Aflac duck is shooting a nail gun in and around the garage is so highly irresponsible that it should be removed from the air immediately. A young, inquisitive child can take this the wrong way and wind up killing him or herself or a friend in the name of fun! I think there's a better way to sell insurance.

I have had AFLAC policies for over 7 years. I recently changed jobs and found out AFLAC has had me listed as a single parent with a dependent since day one of my policy 4 years ago on 1 of my policies. A error done by a AFLAC agent. So I have been overpaying the whole time. My new employer, BMO, has a rep. in Pensacola that was helping me with the needed documentation for my refund along with setting me up with some new policies. The next day she goes on medical leave and is going to be out for a extended amount of time after I have called that office repeatedly for her and emailed her everyday for 2 weeks. She had notice of all documentation I had already sent her. Finally the Supervisor emails me and explains to me that someone will be taking over all of the rep's work but they need me to send the application back again. I faxed it to the main AFLAC fax 2 weeks ago and verified AFLAC had it, so why are you asking me to send it again. Anyone within AFLAC can see all that has been sent. So I started calling myself to try and get this straightened out.

I signed up for 2 policies thru my workplace in late 2012. I signed up for payroll deductions for premium payments. These deductions started 11/2012. In Feb 2013 I was laid off. I returned to work May 2013. My premium deductions restarted. In June of 2014 I discovered that my policies had actually lapsed on June 14 2013 and no payments had been applied since that date. In trying to get the money that has come out of my paycheck for the last year since June 14 2013. I have had nothing but aggravation.

My experience with Aflac has changed, after I submitted this review I was contacted by their representative with a request for information on my claim. I complied as they asked and now approximately 2 weeks later I have the check in hand for the amount that I was expecting for the entire claim. Although my initial claim took a long time to process I now consider my claim completed since I received a check from Aflac for what I was expecting! Thank you to a Shawnte T Dickenson from the Aflac world headquarters for her help in processing my claim and getting the check to me as soon as was possible. I am now a satistfied Aflac customer and I am happy with the resolution of my complaint. Thank you!

I have a policy with Aflac for short term Disability I have been off work since May 13, 2014. As of June 30, I will be off for over 30 days. My benefit is supposed to pay me $1.000 a month. They have been given the proper paperwork from the doctor and My Rep told me I have a check in the mail for $92.00. I called her back and explained the amount is incorrect that I should have a check for over a thousand. Guess what I now have to wait until next Thursday July the 4th 2014 to get an answer. After reading all these negative letters regarding Aflac I won't hold my breath waiting to get my check. On top of all this my agent told me I could call them myself, that she did all she could at this time.

My husband was working for a company which had to cut back, so his job ended. We had Aflac through them and they had said we could keep the policy as individuals. We did keep it going, made out all paper work, set it up to have it taken out of our account each month, and they did from 2012. He got hurt and we filed a claim. They wanted all kind of paper work and we faxed it to them. From March 2014, they keep asking for this or that. We sent it then after talking to many people. They say we don't have a policy.

A quick summary, applied for and received policy for 3 month accident and disability coverage. When I put in my 1st claim for my torn bursa 3 months later AFLAC was just as the commercials state, it was great. A little over a year later when I had to use AFLAC again it was a different story, AFLAC made it as difficult as possible with the paperwork (I had to turn in Doctor forms every 2 wks) thank goodness my Doctor did not charge me to do this. And the checks, of course had become more and more delayed. I just chalked this up to usual Insurance company BS and lived with it. What did seem VERY unfair (and I believe illegal) is that after being back to work for about a year I requested to extend my coverage to 6 months. In a nutshell, AFLAC, and it's inept 3 agents I had contact with (that kept screwing the new paperwork up) finally after 6 MONTHS, denied me my expansion coverage.

Had this mess for two years. I file a claim because I hurt my back. They say I haven't been off work long enough. Hell, I been off work for eight days and still counting. I cant wait to drop this. They get the money faithfully every month. But when you need them it’s BS. Allstate got a better plan.

I increased my coverage two years ago. I've been with Aflac ten yrs appr. and haven't received a wellness benefit in at least 8 yrs. I met with my agent who contacted me to increase coverage so I did and explained to him me never receiving my benefits. He then said get all my paperwork together from all my doctors and my claims would be settled. So now over two years later, still nothing. He won't answer or return my calls.

As of May 27, my doctor took me out of work and at that time I contacted Aflac to send me the documents to file a claim. A representative inform me that once I turned in my claim form by June 2, I would receive my funds by the end of the week. However, this wasn't the case when I called once I didn't receive my funds. A rep informed me that there's a 15 day elimination period that I would have to wait for and then my funds would have be disburse to me. She did not explain that a 15 day elimination period means you would not be paid for the first 15 days out of work. I look over my policy and It has to mention of a 15 day elimination period. I have been off of work for a month and have called Aflac everyday to check on my claim and every rep I have spoken with never explain what a 15 day elimination period means nor the correct amount I should be expecting.

I have accident insurance and my husband fell in the bathroom and ended up with a brain bleed. I have contacted numerous times (needless to say my rep was useless), Spoke to two supervisors and have gotten nowhere. Claims paid in 4 days is a crock. I am lucky if I can get a response in 4 days. It has been weeks now and still nothing. Now they need medical history? WHY? I guess the million dollar hospital bill isn't enough to prove it happened! 11 weeks in the ICU and now he is in rehab and still nothing. I would not recommend this to anyone who lives within their means. My rent is behind, my electricity is due to be turned off, the bills keep rolling in and no one there even cares. I guess the fees are just to keep them happy, not to actually help the people who subscribe. Beware!

They are not interested in paying claims. I have been off work for 2 months and they are mailing me instead of talking to me. When I go to website they are not interested in helping you process a claim but they are real interested in selling you something. They should concentrate on paying claim instead of spending all their money on advertising. I had a back fusion April 3 2014. It is June 17th - no payments.

I was diagnosed with breast cancer after I applied for cancer coverage with Aflac. After placing several calls to their call center, I received a letter with an enclosed form electing to cancel my cancer policy. I really thought this supplemental insurance would be helpful to me in my mastectomy recovery. I am deeply disappointed!

Had Aflac for two years - never had a accident. Filled out wellness paper work and receive a letter stated that my policy is no longer active. I am fed up with the Duck, going to take legal action. Do anyone have suggestion?

I cancelled my accident and cancer policy in December of 2010. As of April 16, 2014 payments were being deducted after getting married and requesting an itemized payroll deductions. Contacted Aflac that day, explained what happened. I was told it would be investigated, gave rep my current info. Called back on April 22, told it was being processed. A check would be rendered again, giving rep current info. On April 25 talk to rep again was told sent to previous address and he would put a high priority on it. Called back Monday, Tuesday, and Wednesday only to be told it would be another three days. By this time I want interest and request it be sent overnight. Tweeted about frustration and was told to email only, again to be told it is being processed by a Phyllis ** on May 6, 2014. Can something legally be done about this? HELP.

I have been waiting for a check since March. I have nothing yet. My rent is unpaid and I may be homeless before I get one. I am scraping to buy food and I am just beside myself. They are suppose to be there to help. This is not helping at all. I have to have the doctors fill out the same forms over again and refax everything. It is now May 6 - no check and rent is due again at the end of May. I have not paid April's rent yet. My rep. Tom has helped. They should give him a promotion. At least he cares about his customers and does a great job but he cannot get the check any faster for me.

I signed up through the school I'm employed for accident and cancer in October 2007. I have been full-time employed since 1999 in the district. The 2013-2014 school year I have been on medical leave. I was in a car accident. When I contacted my rep, it was a constant phone tag. I then contacted Aflac directly and they said I didn't have those two policies but had Hospital Confinement Sickness Indemnity Policy. I had copies of the other two policies but not the one they said I had. They sent me a copy. After looking it over, I couldn't understand why I had it. So I went to HR at work. They had the accident and cancer on file like I did.

I had surgery on my left elbow, filed a claim. Called 1 week later to see if they received it. My agent was rude plus customer service was rude. My tendon was repaired plus the bone was shaved. When I called to see what paperwork I needed, they told me to file accidental injury claim form. I stated that I did not think it was the right form. Well to make a long story short, my claim was denied because they said I did it at work. I have filed before with carpal tunnel syndrome and my agent told me that they cover that but will not cover my elbow. People I work with have hurt themselves on the job and have sent in paperwork for a claim and have gotten paid for it. What's the sense of having insurance if I get workers comp? So they say I only get half my policy. This is why I pay insurance for. I will be telling everyone I work with about my horrible experience. Unhappy policy holder.

I signed up with Aflac agent in Dec 2012. He was in a hurry. I thought I had signed up for Disability, Accident & Hospitalization. He gave me information on all 3 policies? When I found out February 2014 I needed immediate surgery, I called my agent. My agent informed me I didn't have Disability Policy. That if injury was caused by an specific accident, they would pay. Otherwise, not. BUT I did have Hospitalization and it would pay a certain amount, depending on surgery and length of hospital stay.

Save your money! This company doesn't give a damn about their customers. They only care about collecting their premiums. If you read the fine print, they cover very little. If something is finally covered, they spend so much time frustrating you in hope that you just drop it or walk away. Caveat Emptor! I have paid into this POS company for over 18 yrs. When I had a shoulder injury, they nickeled and dimed me out of 225.00. Can you believe that 225.00. By my estimation (and it is low) I have paid somewhere in the range of 18,000 dollars into this CRAP company. I had to do ALL the legwork to get reimbursed.

My husband passed away from a massive heart attack. Because it was diagnosed as Congestive Heart Failure and not of any of the diagnoses Aflac approves for cardiac events, Aflac paid only for the visit to the Emergency Room and left us with a $40,000.00+ hospital bill. If that was not enough, I had to continue paying my Aflac premium through my employer because, during my yearly open enrollment, Aflac claims not to have received my fax requesting for my coverage to be terminated. $78.00 continue to be deducted bi-weekly from my paychecks to pay Aflac. I cant wait to drop them like the rotten fruit they are this coming enrollment.

Well my niece was 7 months pregnant and she had a small insurance policy with aflac, a accidental policy. Well she pass away of a rare heart disease you get when you’re pregnant. She died and her twins died. Aflac said her death should have been diagnose as heart attack. So they can’t pay. My niece was young and I feel that the representative who came to her job did not explain to them that if something happen to you it has to be specific. So we was left with a bill to bury her with. Aflac should explain to their customers what their policy cover before they start collecting your money.

AFLAC DOES NOT LIVE UP TO THEIR HYPE!!! Put in a claim on 4/9/14 for Short Term Disability and received confirmation that it was received and am still waiting for payment or updates on the status!! Have tried to call to speak with them for TWO DAYS now, but yesterday they CLOSED their Customer Service COMPLETELY for a HALF the day for a meeting and are now closed entirely today for Good Friday! This from the company whose big ad campaign right now is all about how fast people receive payment for their claims!!

My husband had sprained his ankle at work. It was a serious sprain that required him to visit an ER which included the visit and a necessary x-ray to confirm that it was only a sprain and not a fracture or break. After he was bandaged up he went home. A few days later, I filed the claim with Aflac (the express claim they have on the website). As expected, I was sent a letter indicating they needed more information from the visit. I immediately provided Aflac with a UB04 bill that listed complete information on his diagnosis, treatment and proof of x-ray.

I'm stunned that they keep losing my claims papers. At first I thought things happen and that maybe the HE department at my company didn't follow through. So I started with my HE department when I was told my paperwork wasn't received. My next step was to go through the agent that sold me the policy only to find out that all of her contact information was no longer valid when I tried, all of the phone numbers were disconnected. I called several times and each time I called I was told that my paperwork was never received but my HR stated it was and supplied copies which they faxed again several times to Aflac.

I am an AFLAC client and have had many claims between my wife and I. All of my claims have been faxed in to the fax number they give you and according to their claim they say allow 48 hours for processing. Not once has that ever happened. When you call their customer service number they tell you that they're still working on claims from an earlier date and it could be another 48 to 72 hours before it even makes it to the claims department. In our experience it's usually 14 to 21 days before we're paid on a claim. We have hospitalization and a cancer policy. So I'm guessing that God forbid cancer strikes you could be dead for you collect on a claim. Their 4 day or less claim of payment is a lie and false advertising and when you call them, they always have an excuse as to why they they're behind.

I met with a very nice agent and spoke about coverage needed for both myself and my son. The agent gave feedback on being a single parent and how his bills would put me in a bind. I agreed to dual coverage for 3 types of policies. Within 20 days my son broke his leg in a fall and had surgery. I checked the policy which was new from the mail. I was the only one listed on 2 of them. This puzzled me as we had agreed. After calling the agent, the agent admitted his mistake, and I was told to send Aflac a letter stating what happen. They just told me that they can do nothing for him. Oh, and to add injury to boot, they want for me to add him effective next month. WTF? No thank you. If you treat me this way now, what happens later?

Think long and hard before accepting a job with AFLAC!!! The Regional Sales Coordinator who hired me, lied to me before the ink was even dry! Gary lied about the commission I would make and he lied to me about how soon I would be making money. After paying my fee for the exam and apparently other miscellaneous items (a fee GEICO pays for, not their employees!!), I was sent an email from the company, with whom I would be taking the exam explaining if I had to cancel, cancel within 48 hours and get your fee refunded. I decided to cancel, because I don't want to work for liars ~ well, AFLAC is keeping MY money!!! Even though the money will be refunded to them, I will NOT get that money back. Seriously, look over ALL aspects before accepting a job with AFLAC!!!!!!!

I met with an Aflac rep, Peter **, at my job in Nov '13 and signed up for short term disability. I explained to him prior to our meet that I fell and broke my ankle in Sept '12, have been seeing an Orthopedist, and am having surgery Jan 20, 2014. When I met with him, we went over all the details of my injury and he told me that I would receive $800 a month while I'm out and to call him my last day of work to start the claim. So my last day of work, I called home... He didn't remember anything and he said to me, "I'm not sure if they're going to pay you, since this is pre-existing!" I was furious! I asked him why he lied to me when I clearly stated everything that was going on and he wrote all of my dates and things down. He said he's not a liar and he probably just went over a scenario with me.

I started my coverage with Aflac 10/01/2013 paying $113 bi-weekly for hospital confinement and personal sickness coverage. In January I filed claim for digestive disorder treatments and procedures, sent forms they requested (ub04 and hcfa1500). They keep telling me they need more information??? I asked them to contact the medical servers themselves to verify any information they needed. Have had no response.

I worked for Shiel Medical Lab. I had a dental plan with Aflac. They were taking money from my check weekly. I found out I still had Delta Dental and I wanted to stop the insurance and was told to wait the year out and I would receive an reimbursement check. They took 1000 dollars from me. I never used insurance. I called in December for at least half my money back and was denied. I think this is so unfair.

When you put a claim in you give all the information that Aflac ask for. When you ask the Aflac rep where is my money they will say you should be getting it soon. And every 2 weeks it's something else. My wife has been waiting for 10 weeks. Now they are not saying what the need. Aflac said they are mailing my wife something else to fill out. My complaint is why now? It's 10 weeks into this claim. All you have to prove is that you were in the hospital for what ever stay you had and I faxed all that information. Can you please help us. Call me at **.

Accident/ with Disability-Illness rider. They DID not pay for the three surgeries I incurred.

I turned in about my short term disability on the 16th of December and they are not paying. I used to have Unum thru my workplace and they paid within 2 weeks when I had my knee replacement. Aflac pays Zelch, nothing. I pay for this insurance out of my pay and in return they pay nothing. Pain in the ass! I am writing my senator now. Thanks for nothing Aflac.

I went to work for the Ireland group after extensive interview process. Within a couple weeks it was very obvious these people were some of the most dishonest I had ever seen. I was told misleading story after misleading story. We were told to deceive the customer and avoid the tough questions. This husband and wife couple are 2 of the most ruthless people I have ever been in contact with. They interview daily because they burn so many people. After I had set up an appointment with a large company I was sent 200 mile away to do a "big enrollment". There was no big enrollment and while I was out of town the wife went in and enrolled my company and kept all the money. Hundreds of dollars. Stay away from this company at all cost.

I started the claim process two weeks prior to my November 7th surgery. I wanted to make sure I had all the correct paperwork in place. At the end of November, I had not received any compensation for a policy that I have been paying on for ten years. When I called my rep., sometimes I would have to wait 2-3 days for a call back. I kept getting the run around that the doctors were not submitting the forms. I call the doctors and they informed me that they had. As of December 17th I think, my rep tells me that he has not even filed my claim because now he says before he can file, he needs a return to work date. When we talked about the claim, the rep was told that I would be out of work from 6-12 weeks. What does the return to work date have to do with the weeks that I have been out of work?

I purchased this policy earlier this year. And I was effective June 1st. I've been having problems with my ankle. So after seeing doctors, they decided to do surgery. I had my surgery November 18, 2013. And I have YET to see anything from AFLAC. I have been getting the run around. Oh, we need this form from this doctor. By the way, everything was filled out completely and correctly. Ok fine, you need this form. After checking with the doctor's office many times, they never received it. So I have AFLAC fax it. My doctor's office never received that. Faxed it again. Ok yay, they received it and faxed it back. Waited another week and a half. Kept checking for updates. Pending, pending, pending. I talk to someone. And now they tell me they need another form from my primary doctor. REALLY??? You couldn't of asked for that up front??

My husband signed up for the Aflac short-term disability insurance approximately two years ago. In October of 2013, he had a left knee replacement. For the first six weeks, he was labeled totally disabled by the doctor. At his last visit, he was cleared for sit-down work only with no driving until his next evaluation on January 7, 2014, at which time a determination will be made as to his going back to work with no restrictions. My husband is a semi driver - over the road, so would be unable to work. On the continuing disability form, my husband's employer stated that they do not have light duty or sit down work for semi drivers.

I've had an accident policy for about five years. Had three claims during that time. Always got paid what I expected per the policy, but the process was always slower than one would like. They never denied my claims, although they did ask for more info from the Dr. on at least one occasion.

I am very disappointed in how the cancellation of my policy was handled. I tried to cancel by sending my agent an email in the middle of the month. That did not work and noticed that I had been charged for the following month. When I called, I was told that If I cancelled immediately, that my policy would be terminated on that date and in order to receive a refund for the remainder of the month, I would have to send a fax with all of my information in. I promptly did so, just to receive a letter in the mail saying that my request for reimbursement had been denied. Two days later, I received a letter, confirming that my policy had been cancelled on the day that I requested it be terminated. I called and was assured that it took a little time for the system to catch up and to expect the refund soon. It never came. A month later, I receive another letter saying that my request was denied and the policy was cancelled at the end of the following month. Again, I called. This time, I nicely explained again what had happened and all the customer service rep would say is, "Our records indicate that no refund is due". I had planned to use AFLAC for six months of every year but after a lot of wasted time just to get the runaround, I will never be back.

My experience with Aflac was pleasant. I signed up for the Hospitalization policy with maternity coverage. They paid promptly after I submitted the hospital bill after delivery. Also, since I no longer needed the policy, I called to cancel and that process was smooth and simple as well. Very pleased with them.

I am VERY concerned about the Aflac commercial where thru are in the locker room and the coach says, "Ok ladies, take a knee"!! This is such a sexist and demeaning statement about women! I have been using this commercial in my Women's studies class to illustrate how women are still, in the 21st century, being put down!! I have instructed my classes NOT to do business or use companies that demean women or any group or Ethnic group. Please remove this commercial from TV!! Thank you.

I signed up for Cancer, Accident and Hospital (option 2) . My policies were effective on 1st of August of this year. I went to see my doctor in July for abnormal bleeding and my claim was first denied due to the policy not being 30 days old. My doctor scheduled me to have radiology exams for infertility and what she believed me to have a fibroid due to enlarged uterus. I was diagnosed with uterine fibroids in October. I had myomectomy surgery on Oct. 30th and my hospital claim was denied for preexisting condition. My doctor sent in additional paper work stating that I had surgery due to fibroids and not abnormal bleeding. My AFLAC rep stated she would re-file the claim and it has been 2 weeks and I have yet to see any claim filed on the website. I have called and emailed her but I keep getting excuses as to why she has not had the time to follow up on my hospital claim. I am not sure what else I can do to have my claim paid. They have my medical records and other documents supporting my claim, but nothing is being done about it.

I had a motorcycle accident May 23, 2009. The result was 4 surgeries. Aflac would not pay for xrays, MRI's, and hospital stay at VA hospital. The agent said it was because it was free. The bill I received was over $100,000 which indicates it was not free. Additionally, the policy was to pay when those items occurred without any mention of whether they were free. They did pay for the other items covered which were incurred at other hospitals. It's probably too late to have an attorney.

I signed up for Aflac 2 years ago, never made a claim. 1 year later, signed my new wife and child up. My wife sprained her ankle while she was on a ladder, tried to get a hold of my agent, got voicemail every time I called. Finally called the main office. 5 minutes later, the agent finally called me back, says he remembers me signing up my wife and kid. Somewhere along the line they lost my paperwork. I had no idea she was never on my insurance. So even though the sales rep recalls me signing her up, we are not covered because they lost our paperwork but they were still taking the money from me, said my pay rate never changed on my check stub. To be honest, I never look at my check stub to see how much money they are taking out of me. So in the end, you are not covered. Great insurance company unless you try to make a claim. Then once you do, you're SOL. Would never advise anyone to get this insurance.

I have an Aflac policy for accident. Son was in a car accident. Still did not pay and claim went for review but was closed out after they say they did not get information but was sent in several times. Now I have a new claim for my hospital policy and they are giving me the runaround. I have given them everything from the hospital, discharge papers to the itemized bill, history of anytime being sick and UB and now they want a history and physical from the ER when that is not in my policy. Then I ask what if they never send the paper work to them. The claim officer said, "Then we will close it out." Nothing ever stays open for a long period of time but I have been paying Aflac for 8 years out of my check, never missed a payment. Aflac should change the way their company is being run. If we're paying you, then when it comes time to pay the customer, why is there such a problem? :(

I twisted my ankle playing ball game. I went to see my doctor as he did 2 x-rays and no broken bones. He filled out as any busy doctor some Aflac papers. Describing quickly what happened, and Aflac kept pounding for more info... and still up to date no payment. I don't have the time to go visit my dr. since I work many days out at a time and don't have the time to go visit him to clarify. Aflac to me is a fraud. And already canceled my insurance with them... I lost 10 days of work... and no payment. Dr. even sent them an official stamp and a quick explanation but no... Damn you Aflac...

My company began offering AFLAC a little over two years ago. With five kids, I signed up immediately. When signing up I told the AFLAC agent that I had five children who all were extremely active in sports and jokingly said "I won't be kicked out will I." He said no and we both laughed it off. Through payroll deductions, I signed up for the accident policy and cancer policy. Fast forward, two years later it has gotten to the point I honestly hate having AFLAC. I am getting the runaround every time I have to file a claim. From the beginning I was told I needed the HCSFA 1500 and was also told that a super bill was fine as long as it had the billing code on it. No problem. So when I send that in, they now want the office notes, the HCSFA 1500 and all other paperwork.

I took out a Cancer and Disability policy in Jan. 2013, and was told I had a 30 day waiting period. I was not told I could not go to the Doctor within those 30 days. On the 29th day, I go to the doctor and he does a biopsy in his office. I returned two weeks later to find out it was cancer. I was sent out of state to a doctor who set up surgery two months later. I was off work for two months, and filed my claims with AFLAC for the cancer and disability.

My spouse had an injury while at work that required surgery and one week off to recover. All information was documented, submitted, and Alfac denied claim. I do not think we should have to seek a lawyer to get what we paid for. Do not recommend at all.

What most of you have been misled about is "The premiums are taken right out of my pay check." This is completely inaccurate. The funds are withheld from your pay in a "Section 125" just as some of your taxes are withheld. Your employer is responsible to pay the premiums. The accounting/accounts payable department is responsible to pay Aflac from their checking account. Your payroll deductions do not pay premiums.

Had a dental policy and my company closed. Was able to pay it up when it was past 3 months old, but now that it is an individual policy and I am 1 month late, policy cancelled and would not let me pay. Said I had to start my waiting period all over again because I have already paid over 3 years on it. This is a rip off.

After 8 very frustrating months and absolutely NO help from the Texas offices of Aflac we have reached a resolution. Thank YOU to Ms. Casey in the Georgia office for getting involved and working with my nephew to reach a resolution. He can finally take some time to grieve for his Mom.

My employer is a tax and accounting firm. During tax season, the boss decided to make some extra payments to AFLAC. Evidently, this is not a common occurrence. AFLAC accepted and cashed the checks for payment. However, they didn't seem to know what to do with the credits. We received a bill the next month and wrote a letter explaining that the payment had already been made. That didn't work. We called and went through everything and we thought we had the situation under control. Wrong. We have now been through 2 letters, multiple phone calls, letters from AFLAC threatening to send letters to our employees stating that we haven't been sending in their money and the last one stating that they will no longer send us invoices and to be reinstated, we need to pay them three months of payments - one of the invoices listed isn't even due until 9/1/13. We are currently paid through October 1, 2013.

I got hurt at work and was out of work three (3) months! I sent paperwork several times to my agent and to customer service. EACH individual told me something different. I was never paid, being told getting hurt at work is NOT covered. I repeatedly asked for where it said that when I signed up but it was never given to me? So I gave up and tell everyone they advertise falsely on TV!!!

I read other reviews and decided to write this review because I've had nothing but great experiences with Aflac and my rep provides fantastic customer service. We have had to use both our Special event policy and accident policy, and never had any issues with them paying the claim. Now sometimes they get busy and it takes a bit longer to process than I would like but overall, I can't say enough good things about them and know many others that feel the same and have had great experiences with them and no issues with them paying a claim. What you have to do is read your policy because only specific things are covered in each policy and if they need more information, be sure to get them that information asap. I would sign up for Aflac over and over again!

Service is horriffic, and the salesperson that signed my staff up is just as bad. I trusted him with my staff and he had zero follow-through. More than 6 hours that should have been spent managing my business, I have spent on the phone with Aflac, and I've sent letters and emails to Aflac and sales associates to get staff's bills corrected. Needless to say, still not corrected MONTHS later and can't imagine what staff will do if they actually had a claim... I'M DONE WITH AFLAC!!!!!!!!! TERRIIBLE SERVICE, DON'T SIGN UP.

I signed up for supplemental short-term disability insurance through my work. While I was working, I experienced several issues with the way the policy was billed and AFLAC claiming they did not receive my payment, even though the money was taken out of my paycheck every month (a topic for another post). I was particularly interested in the fact that this insurance covers maternity leave after a waiting period. I planned my pregnancy so that I would not give birth before this waiting period was over. Unfortunately for me, I was laid off at 32 weeks. I called and spoke with an AFLAC representative and discussed the situation with them, informing them that I was no longer employed. The policy was switched to individual billing.

I got two Aflac family policies (accidental and hospital) through my job to the tune of about $40 bi-weekly...I kept them for about two years, never using them (never had too). When my daughter cut her finger badly, I rushed her to urgent care where she received stitches...Aflac denied me because they do not provide benefits for outpatient surgery performed in a physician’s office (urgent care). Aflac is a rip-off...They will gladly take your money, but when you need them, they’ll quickly deny you. They’re not worth your time or your money...STAY AWAY FROM AFLAC!

I signed up for three AFLAC policies through a health fair we had at work. It sounded so good. Our business says we cannot drop AFLAC until the first of the year, but this is my story. My policy began in January of 2013. Premiums have been taken out of my check each month since then. I slipped on a wet floor and fell right on my knees. I didn't think anything was broken, but it hurt like crazy and I needed to find out. It was after hours, but I called the 800 number and couldn't get anyone, and the machine said they had no record of me.

My policy originally began on 9/12/12. Due to mishandling of my policies, both were terminated sometime in Feb. 2013 and then reactivated on March 5th, 2013. On June 18th, I was informed by an AFLAC representative, ref # **, that both of my policies were again inactive/terminated. Caller stated it was because no payment was received for March, April and May. I was advised to call my employer. I spoke to the Human Resources Director at Wellington Retreat on this date, who informed me that they have proof of invoices paid to AFLAC through 4/1/13. Furthermore, she called AFLAC, ref # **, again payment on their end was verified.

From day one, my employer, co-worker and I were told by our Aflac agent if you bite down on a piece of candy and break a tooth or pull out a filling that Aflac would pay. Lies, lies and more lies. After filing an accident claim, it seems they don't consider that an accident after all. Therefore after paying premiums for an entire year, I've come to the conclusion it's time to cancel... $300 wasted on a policy with no benefits.

I was talked into buying a policy I couldn't afford. I immediately sent in the 3-day right to cancel. Almost four months later, the money is still being deducted from my check. I also canceled another policy, only to discover that they have been taking off double premiums every month since my company went from paying every week to bi-weekly. I have sent Aflac and my agent several letters but have received no reply from either one. Very disappointed in their service and would not recommend them as a reliable company.

This is about the Commercials of Aflac company that they show them on TV and radio. It's like no one has a say to this. It's very hurtful and sad to make fun of people who really has been in rehab learning to talk, eat and walk. This commercial shows the Duck of Aflac with a broken beak and because of this learning how to speak and actually saying that because of rehab he got better and can complete the word Aflac is like their corporate people do not even see these commercials to approve such an ad. I was in a Rehabilitation Clinic when a drunk driver hit me and I can say I was in rehab. This commercial is very hurtful and it made me cry all day when I watch this. Please help me out in removing these commercials. Thank you.

I signed up with Aflac with my company in December 2012 for the following year. I have yet to receive any information concerning this. I have emailed Aflac at least 20 times. They responded by saying someone will contact me. Unbelievable.

While employed and filed a claim, basically there wasn't much of a problem. Now since retired, three years I had an accident, I do have short-term disability accident injury policy. Now I filed a claim. If one is not employed or works less than 30 hours a week, according to my policy the doctors have to complete the section with respect to your daily living activities. One has to be unable to have difficulties with at least two out of five ADLs. My doctor completed their form, which states I was unable to transfer and dress without assistance. I had knee surgery. My ACL was removed prior to the surgery. I was on crutches for two months. Then after the procedure, I was issued two different types of braces.

I had to have hand surgery for Carpal Tunnel. My first day off was March 5th, 2013. There was a 14-day waiting period. I sent in the claim and it was received on March 18th. They never notified me of anything. I called on April 1st and was informed that they needed more information on my salary. On April 2nd, they received a fax from we with the last two years' W2 forms. On April 18th, the claim is still pending. I will be returning to work on Monday, will have been off for seven weeks and have received no check. To make matters worse, they informed me I had to continue to keep my premiums current in order to receive my benefits. I sent them a check for the seven weeks in advance and have no check for the disability. I am out the additional money from the premiums. I am hoping to get the settlement before the end of the year.

I paid 10 months of premiums only to receive a letter that they cancelled my policy for unstated reasons. Since they considered the policy null and void from day one, they said I was due a full refund of my premiums. I paid in over $700 and they sent a check for $200-$300. When I asked why, they said my premiums hadn't been paid since June (not true). My employer sent them the receipt for every payment for those 10 months. It has been 4 months later and they still owe me $400. I filed a complaint with BBB.

Aflac is not a company I would recommend. My rep told me they have a 4-day turn around on any claim. Well, that is not the case. I had 4 claims that I turned over to her. I followed up with her a month later and she told me that it was in process. I called Aflac and was told that the claims are not in progress. Either my rep is lying or the company is a fraud. I know they directly remove payment from my pay without any problems and have been doing so for years. I would never send anyone I know or hate to ever buy any product from Aflac.

On 01/09/13, I had a heart attack with a 99% blockage. They took me right to the cath lab and performed angioplasty. I have a hospital plan with Aflac that pays for what I had done. The report says I had a heart cath and then below that it states what they did which was the angioplasty. Aflac says I only had a heart cath and paid me $150 for the cath. On my policy, it states angioplasty pays $1,000 and they refused to pay anything. Aflac more or less called me a liar. What to do next?

My mother was placed in the hospital for several days in Oct. 2012. You would think that after paying over $4,000 in premiums to Aflac, she would not have any issues getting a small claim, not to mention a small amount back from this company. However, paperwork was filed on Nov. 1, 2012 and she has received nothing but the runaround. The agent, John **, will not return calls. Aflac continues to tell her to do all the running for paperwork even though this is the insurance company's responsibility. This company is a rip off that takes advantage of people at their most vulnerable times. My next letter will go to the commissioner of insurance. Buyer beware!

Aflac Cancer Indemnity Plan - I explained to my agent that my payment was to come out of my checking account at the end of the new year - Jan. 31st, obviously. I was ignored and it was deducted from my account the end of December 2012, which made my account to snowball drastically after I was promised. I never trust accounts drafts, but I trusted the agent (Kevib **) from Franklin, VA. It's bad when I have to close my account due to an untrusting agent of Aflac, who would not return my calls.

My husband was hospitalized in Feb. 2012. He applied and signed paperwork with his employer in Oct. 2012 for short term disability. Long story short, they never turned in paperwork to the employer for deductions. I went around and around with them, sent copies of his signature and even sent the CEO paperwork. Finally, he got a check in June of 2012. Then they sent a letter for reinstatement for $400. I feel they made the mistake, they need to fix it. My husband and I were in a very difficult situation to where I had to get some money out of my 401. I could go on and on. It's a long story.

I telephoned Aflac Insurance regarding adding a benefit to my short-term disability policy. I had scheduled an appointment with the representative who initially wrote the policy; however, something happened and I guess we missed each other. Since that time, I had telephoned and left multiple messages on this representative's voice mail. However, I never received a response. Each time I called the corporate headquarters, I was told there was a 21-45 minute wait so I opted for the call back option.

I have a short-term disability policy with AFLAC in which I filed a claim on Oct. 19, 2012 due to a herniation of two cervical discs and a sprained lumbar. Unfortunately, my doctor mixed up the dates on the physician's claim form on when my condition started. Even though he has made the correction, sent all his notes and requested documentation, they keep on requesting for more medical info to which I have none with that condition. Every time I call, no matter what rep I speak to, they repeat the same false line which is that they are waiting for more doctor's info.

I have paid into the Aflac SDI plan for 3 years now. I never thought it would take an act of God to get your money. I ruptured a disc L4-5 on Nov. 7, 2012. I put a claim in on Nov. 12 or so and each time I call, our rep in Chico, CA says they need more paperwork from my doctor. They want to know what doctor I've seen, what the results of the tests were, what was charged to insurance and they wanted a copy of a bill I received. I didn't give them a bill because I don't think they need to know that info. Is there not a HIPAA law to ask for all that info? They want more info than the state of CA wants for my SDI claim. It's just short term, not long term and I was not in the hospital. I don't know what's wrong with this picture. To this date, Dec. 10, I still haven't gotten anything. They just got the paperwork in. I'm very upset with the whole thing. I don't know if I want to continue to pay into this service if it takes this long to get a claim in.

I am on disability for a problem pregnancy and cannot get paid. Also, my husband was out for 2 knee surgeries and could not get paid. They dig and dig until they come up with an excuse to not pay. I have made complaints to the Insurance Commissioner and will continue to fight back. But who wants this headache for a policy they paid for? Beware of Aflac! We are taxpaying citizens, and I am having better luck and response from the State of CA than Aflac. How crazy is that!

Aflac is a joke just like its commercials. When it comes to filing a big claim, Aflac disowns you and it takes a long time for them to communicate with but when it comes to them getting paid, they will take the money out of your account in a heartbeat. My blood pressure has gone up a few times in filing one claim. It's not healthy for me or any customer.

I paid Aflac through my employer for the hospitalization policy from March of 2011. The following year in February 2012, I had a Caesarian section that went horribly wrong and had to be hospitalized many more times. When I called Aflac to submit claims on all the hospital days I had accumulated, they said that though my pay stubs reflected payment, my employer wasn't paying Aflac. When I confronted my boss, he said that he did pay because the money is deducted and went straight into an Aflac account. Aflac went ahead and closed my policy even though I'm still being deducted for Aflac on pay stubs and they said that I have no claim for any of my hospitalizations. They keep blaming my employer and my employer kept blaming them because he said the money is going to Aflac. No matter what, I'm out a few grand in possible claims for things that were covered under my policy and I'm out for all the months I've paid and am still paying for a policy that doesn't even exist! Extremely unhappy!

My husband and I had a life insurance plan for our son, who was 23. We didn't have the plan long because our son was murdered. I called Aflac to inquire what documents they needed in order to process the claim. I received the forms and submitted the forms. They required a copy of the police report and a copy of the death certificate. These documents were mailed and faxed to the company. I called to confirm that they received all the required documents and was told everything they need was in the office and being processed. The death was on May 26, 2012, the claim forms and supporting documents were submitted in June 2012. Here it is August 2012 and they have only sent me several letters indicating that they are investigating the case.

I recently applied for the hospital protection plan for myself and my family. I read all the information in the brochure. I was diagnosed with breast cancer in February so I knew that anything regarding my breast cancer would be pre-existing. I find out today that myself and my family have been denied coverage due to my cancer when I tried to file a claim because one of my children had an outpatient procedure. This is the second time Aflac has screwed my family because prior to February, my husband took out some Aflac insurance through his work and cancer policy was marked on the form he had brought home, so we thought we had a cancer policy. When I was diagnosed, we found out that the agent had not marked that on the final form, so therefore, we had nothing. So definitely, I'm concerned about whether any of the coverages we have now would be honored.

Aflac is not a good company. Aflac is a ripoff. I got hurt on May 9, 2012 and still, no check. I have to call every week and they tell you the same thing. Better watch out for that duck, it takes your money and you won't get paid. You will be on the street waiting on Aflac quack quack.

I was hospitalized in April 2012 twice. The first time went smoothly with a quick return; however, the second has resulted in my now fighting for a residence. My agent or Aflac contacted me in reference to updated or additional info needed from the physician. All information provided was due to my calling for an update. This claim was filed in May and it is well past June. I suffered a stroke and I'm in no position to move. I'm desperate for some relief ASAP.

My policy with Aflac was dated 5/2007. I never made a claim until 5/2012. My husband passed in 5/2010. We had 3 policies together. My agent rep helped me with all the claim forms. I inputted all the dates of our appointment and signed all the forms. To be sure I completed the forms correctly, I had my agent rep review all the claim forms. It was well done with all copies and mailed in an Aflac envelope with 20/$.44 stamp. On 6/12/2012, only my husband's processed claim forms and payments were mailed to me. On 6/27/2012, I called customer service. They did not receive any of my claim forms, which I had mailed with my husband's claim forms.

I had back surgery in October of 2010, returning to work in December of 2010. After having an Aflac representative come to my employer in June 2011, I signed up for accident and short term disability insurance. I was cautious about signing up and went through the application with the representative, as to not make a mistake. I was truthful and he had to wait till the next day to see if I qualified. I was service connected for my back from the army and was still on light duty from my laminectomy surgery. Jeffery, who sold me my insurance claim in the state of Alaska, said that if I had surgery prior to my one year prior existing claim, I would be able to file for it once my one year wait was up, even if my surgery happened to be needed to be done prior to that. He was informed that I would need surgery of some sort within 5 years and what kind was unknown.

My mother had a cancer policy. She died in October, I submitted all paperwork to Aflac for claim. They sent a check for $100.00 and said that they had received my mother’s change of address! Are you kidding me? They refused to talk to me or my sister and we had all legal rights. We had to get a lawyer involved just to get these people moving. They were not helpful at all. Finally, 3 months after my mother died and after calling these jokers every other day, we finally received our correct claim settlement with no apologies, no remarks. Horrible company, stay away!

Paid for insurance that did not pay off: I had coverage from Aflac Insurance. My daughter passed away, and they did not pay. They said she was over the age limit for coverage under my policy, but yet, I was still paying the same amount for her coverage. I believe they should be made to pay.

mailing them and tell them to cancel that check and give me a new one. She gave me a tracking number.

About nine months ago during open registration at my place of employment, Aflac put on their dog and pony show about what great supplemental health insurance they were and how they would help pay your bills, etc. What Aflac doesn't bother to tell you is that they make filing a claim that they will accept as difficult as possible. They have already denied a perfectly legitimate claim from me. I was looking into filing a claim for my wife, who was recently injured at work, when I discovered that Aflac expects you to provide their claim form to the physical while you are being treated for the accident. So while you are in the middle of an emergency, you are expected to stop, log on to the Aflac website, sign in, download and print the claim form. Perhaps Aflac thinks you should download and keep a copy of their accident claim form at all times in the event that you might have an accident sometime in the future.

I enrolled in a policy with Aflac in November. In December, I had a heart attack which was covered under the policy I have. I started my claim first thing in January. It has now been four months and I'm constantly having to contact the rep because I get absolutely no satisfactory answers from the claims department. If I don't call, nothing is done, period. I am at the point to contact a lawyer to get assistance. In my business, if I did not follow through, I would have no business.

I was talked into an Aflac policy under false pretenses. My claims are not covered because they were not accidents. The reason I signed up is because I am a diabetic and was concerned about unexpected trips to the ER for diabetic related issues. I was told that all ER visits are covered, which is obviously not the case. Now I have to continue paying a monthly premium for a service that is of no help to me, until they open enrollment period. Aflac is a scam!

Aflac was great for me, I love them. Aflac rep Brent is one of the most trustworthy guys I know. He is enthusiastic about what he does, well- spoken, reliable and guaranteed to offer a great experience all the way around.

On December 30, I had surgery I had short term and hospital. I was encouraged by the local Aflac rep to sign up and that she could help me get financial help with the bills. She knew I was being treated but never said anything. After I filed the claims, I was denied. I was sent dates of treatments and consultation and was denied based on whatever Aflac read.

I am a current policy holder and my rep is great! After reading all of these "complaints", I must say that you really need to realize where or if to point your finger. Aflac is a fortune 500 company and has been voted most ethical company about 5 years in a row. Not to mention, they do, in fact, pay more claims than any other supplemental company in the market.

I have had Aflac since 2008 and recently, 11/16/11, I was admitted into the hospital for a TIA. Upon release from the hospital, I submitted a claims form to Aflac along with asking for a UBO4 hospital bill. I received a payment less the $500 for hospital confinement. When I called and asked about this, I was told that I was admitted for observation and that does not qualify (in my policy, it only states that I have to have occupied a bed and incurred charges for at least 24 hours). I let it go. Then on Dec. 27th, I believe I got a statement from Aflac that they have paid the hospital $500 for my stay on 11/16/11. I called to question about why did they pay the hospital when they clearly state on their commercials and print ads that they pay the policy holder and not major medical.

$110.88 is being deducted from my pay, every pay period for AFLAC. I cancelled the AFLAC account in December 2011, after receiving a policy that was higher than the quoted price. I received confirmation of cancellation via email on December 30, 2011 and via 1st class US mail on January 5, 2012, effective for January 1, 2012. I have the emails and cancellation letters from AFLAC, pay stubs reflecting deductions, and PeopleSoft record reflecting that I do not have an AFLAC account.

My fiance has Aflac short term disability and hospitalization. Due to punitively high deductibles, he was forced to have two knee replacements in the same calendar year. He had signed up for "x" amount of short term disability each month and had been paying premiums for several years, accordingly. He had his first surgery in January 2010 and got paid disability payments while he was off, based on that "x" dollar amount.

I have had Aflac insurance for the last 9 months. I had an injury and they've paid for the ER visit and 1 MD visit. They've not paid for any of the therapy or subsequent visits to MD. I've been in touch with Devin N., my agent, and he stated he does not know where the problem is but he admits they owe me more money. Devin is now saying he's dropped the ball as well. I've submitted (faxed) the required paperwork repeatedly and I've only seen (1) check for the $155.00 and a letter saying they would not pay anymore on the claim. This letter was faxed to Devin N. as well per his request. This is shoddy treatment at best and I'm not one to pay to be treated shabbily while someone else is getting money off of my monthly payments.

I have been employed at 24hrs per week for 8 years with a short term disability policy through AFLAC. After emergency surgery, I made a claim only to have it denied because I work less than 30 hours per week. They sold me the policy and I have been paying for years. When I said fine, give me back all the payments I've made to your fraud policy, they said I was right and would re-review my claim. I just saw online that they denied it again. I keep getting the run around. Don't use this company. It's a scam.

I became ill on 9/19 and went to the hospital. I found out I have congestive heart failure. I was healing at home and trying to collect my Aflac and they have tried to pay me back my payment that's been in review sent in Sept saying I have this condition when I signed up. I would like them to pay me the money they owe me since I have been off work. I am hoping to return to work in April when my doctor releases me and I am still paying my payment every month to Aflac.

I have been waiting 8 months for a Short Term Disability claim and AFLAC has been stalling with excuses and ignoring my neurologist's completed and signed claim form stating my disability with MRI results. AFLAC said that needing a cane or walking stick to move, due to the results of my condition. MRI was submitted and they thought I'm not disabling enough, that I must be completely helpless needing another human to perform all my duties. I requested an appeal of their decision of denial. I have had this AFLAC policy since 1999.

I have had AFLAC now for three years. I started with accident and sickness coverage. After the first year, I heard about AFLAC dental from my AFLAC insurance agent. Having many dental problems, I decided it would be a good investment. To date I have given AFLAC almost $1,500.00. And when I submitted my dental claim, they told me I did not have dental coverage. After giving them the policy number, they agreed I do in fact have the coverage. I have submitted the same claim for 3 months.

My daughter had an accident requiring several visits to the E.R., ambulance rides between three hospitals, hospitalization in Louisville at Kosair Children's Hospital for several days, and an ambulance transport to and from Kosair from Henderson, KY. I submitted all the information to Aflac in person and through my employer. My HR Department even helped Aflac with the additional information requested but I never received a single payment on my claim. I canceled my policy in disgust and frustration. However, I am still owed for that claim and I want my money.

On August 15, 2011, my daughter, Kentrica **, had an accident with her Nissan Saturn between 5:30 to 5:50 when a deer ran out in the road. I, her mother, (Della **) have insurance with Alfa Insurance for many years. My local agent, who represents Alfa in Lexington, MS, told me told me that Alfa could not pay me because my daughter was an excluded driver. I did not know what she was talking about. My agent said that in 2004, I signed my daughter as an excluded driver. I said, "No! That is not correct." During that time, I was advised that my daughter could not drive by herself because she was a minor (she was 16). I wasn't aware that I was signing papers stating that my daughter couldn't drive any car (not even her own car) when she became 21.

I have been a loyal customer with AFLAC since 2004 and paid my dues on time each year for approximately 7 years. This year was the first time I filed a claim with them and outcome is sadly disappointing. Process was a nightmare! I believed and trusted AFLAC that claims were quick and easy process. My horrific experience with AFLAC caused me to lose my patience, became extremely frustrated, stressed, and annoyed with their service and policy. After explaining the nightmare to 7 different AFLAC representatives (7 chances to resolve the matter) is irrelevant now.

I contacted the Aflac repersentative to cancel my policies in Fed 2011. After several phone calls, emails to both the agent, Aflac and the agents supervisor I recieved a letter stating my Aflac was cancelled in June!! I submitted all the required letters from both myself and my employer to the Aflac Agent back in Feb 2011 to cancel the policy. I was inform by the Agent Jace, that I would be get my preiums back since I NEVER filled a claim on the policy and I cancelled in Feb. 2011.

I contacted my Aflac agent twice before my operation and he said I had Aflac coverage. After the operation, he emailed me an application and I filled it out correctly. However, I was denied benefits for wrong coverage. I was under the impression that a person who sells policies knows how to read. I was wrong. I got stung again.

I purchased a short term disability policy several years ago. I made sure at the time of making the purchase that I was covered on and off the job. I was told by the account manager that it will indeed pay for on the job injuries. Well, it does not. The explanation I was given was that because I was receiving money from workman's comp, I couldn't "double dip". I've since been cut off from workman's comp and still unable to work. When I requested that they re-open my claim they said they don't cover on the job injuries period.

When the rep signed me up in 2009, he messed up my account. He had my husband's name spelled wrong my date of birth was wrong and listed him as individual instead of family. So when my husband passed in Oct., I had a mess to deal with there, not to mention my real complaint.

I had knee surgery October 20th. I filed my claim the following week. They sent me a letter requesting my physician's notes. My physician's admin sent the information. When I phoned AFLAC, they told me there was an income discrepancy between what I submitted and what the job submitted. They also told me, once they clear that matter up, they'd have to reimburse me for the money I had been paying at a higher premium. I sent emails to two agents and headquarters. As of today, I'm still waiting for my claim to be disbursed because my status continues to say pending. I'm so frustrated with AFLAC. I don't know what else to do! I'm home with no money to pay my bills AFLAC promised to help me pay!

As an employee at the time of Hardees, Aflac came to sell insurance packages to my place of employment and at the time I had none whatsoever so it seemed like a good idea. Agent Holly ******* seemed like a likable person and someone I could trust with selling me an honest insurance package. We had discussed Whole-Term Life and Accidental Insurance and I agreed to these two separate packages. I had asked about dental insurance. However, she assured me that the package wasn't worth even looking at and that I should stick with what I had in mind.

I obtained Aflac through my work about 2 years ago. After 1 claim, the Aflac member who dealt with my company refused to contact me back, after I had another claim, so I cancelled my Aflac membership. Well, 6 months ago, more Aflac reps came to my work, and wanted me to sign up again, and I told them what had happened before, and they promised that they wouldn't do that to me, and assured me the girl who wouldn't return my calls, had been fired for doing what she did to previous people as well.

We have paid for our "Accident/Disability Policy" with Aflac since 2/08. Our "type of policy" is described as "Named Insured/Spouse" as we pay additional to cover my wife. I was told by the Aflac representative that with the additional fee, my wife would be covered as I was. Along with that, we have two additional riders described as "off-the-job accident disability benefit rider and sickness disability benefit rider". We were led to believe that we both had the same coverage and shared the same benefits of the policy.

I have a temporary disable insurance plain with AFLAC. I have not been able to return to work since March 9, 2010 due to fall in work place. I hurt my lower back. My doctor keeps me out until my lower back gets stronger. I've already submitted two 2 claims which I've been paid for. Now I submitted a third claim and now AFLAC sent me a letter saying that they lost my record I'm two months late of my mortgage. Please help me, I can tell those people don't want to pay that kind of money because my doctor note and a note from job were correct.

My husband and I are self employed. In February, we purchased an accident, hospital and intensive care. May 7, 2010, we added short-term disability and cancer policies. We pay over $400 a month. We own our company, so we paid the premium through a personal account. They cashed the checks then claimed we were not insured due to nonpayment since it was supposed to be paid out of our business account. It took months and an apology letter, but they reinstated the accounts. On May 26th, after a few weeks of pain, my chiropractor ordered an MRI and accidentally found a tumor. On June 30th, the tumor was removed. On July 12th, I learned through the pathology report that it was cancer.

I have purchased insurance through my job. At first, I tried to cancel the insurance and could not at that time. Headquarters sent me a letter basically saying that they're glad to have me as a customer and nothing more of what I was asking. After I decided to take it upon myself to keep the insurance, I had to go to the hospital to emergency. While checking in, I was asked for an insurance card for proof of insurance. I had none! When asked for one through my representative through headquarters and every other source that I knew to go through, I still have not yet receive a card or any other proof of insurance that I could show in case of hospital insurance. Can you recommend any other idea to get this matter resolved? Thank you for any kind of help you can offer.

I had payroll deduction from my employer, County of Imperial, for the amount of $22.92. During our open enrollment, I cancelled my policy through Aflec on October 17, 2009. Our new insurance starts in January 2010. However, the deductions were still being taken at. I contacted our human resource department to notify that payments were still being deducted from my payroll. I have the copies of cancellation signed by Edit, their agent, and I have spoken with Becky. Becky sent the copies to their headquarters in Columbus, Georgia but they would not refund me my money because the payroll deduction was failed to be stopped by my human resource department.

They have determined that due to my husband being killed in airplane crash that if it is not a common carrier and he did not pay for the flight. They are not paying his death claim. I have has this policy since2002. I am now a widow with no other source of income. I was hoping for the claim to at least keep me afloat.

I was sold short term disability policy by this Aflac rep. back in November of 2007, not knowing that I did not fulfill the requirements for being eligible for the policy that I did not work enough scheduled hours at my job. Beginning with my first week back at work in February of 2008, automatic deductions of 29 dollars were deducted from my paycheck every 2 weeks by Aflac.

AFLAC misprocessed my information in the computer and they were still trying to bill my previous employer and not my current method of payment. The agent kept saying he would take care of it and they would not penalize me. To date, I have been off work for 3 weeks and still no progress and no payment. The economic problem: my car is not paid, we have no food, and I can't take my son to the doctor for his checkup. Physical problems: stress level is high, I am having chest pains and can't go to the doctor, and now I feel worse!

AFLAC denied access to my FSA funds! They collected funds bimonthly into my FSA, then denied the use of my debit card at physicians and dentist offices! When I called to complain, they said, "Oops, we made a mistake," and vowed to correct it. But they didn't repeatedly. By making it extremely difficult to access my hard-earned money, they were hoping that I will eventually give up and they can keep my funds at the end of the year. This behavior was so unethical. ** must be a Bernie Madoff clone!

AFLAC received payment of $51.30 from me on April 11, 2008 and never credited it against an accident policy, which I have with them. Despite having Bank of America provide them with proof of payment and AFLAC's admission that amount wasn't credited to the account, they have done nothing to credit the account and have cancelled the policy due to the shortfall of $51.30 - now a second time despite my continuing to make payments. Currently, I have filed a complaint with the insurance commissioner. I want all my premiums refunded on all my policies (accident, cancer, hospital) to me since I started the policies about two years ago, as my feeling is that if they stole $51.30 from me and haven't made things right, I don't have confidence in their ability to honor claims.

Prior to choosing a policy, I spoke on the phone and met with one of your representatives (unfortunately I am unable to read his signature on my documents and his name is not printed in any other location). I informed the agent that I was interested in a short term disability policy for the sole purpose of maternity leave. When deciding what length of time the policy would cover, the representative advised a one-year policy. I agreed with this and began to plan my pregnancy and maternity leave based on a year-long policy.

I work on a job that pays commission only. During the first several months, I did quite well. I signed up for health insurance (Blue Cross) and for AFLAC. The commission job that I had, sales, dried up. Because I didn't have enough money to buy a cup of coffee, I asked my HR department how I could get out of the contracts. Blue Cross cancelled me right away. I was told to contact the AFLAC representative. He never responded.

We were solicited by a James **, a sales associate of Aflac insurance company, a supplemental insurance company for accidental and health disability insurance. We were told both of our children of ages 19 and of 21 would be covered as long as they were students. We paid each month for their coverage. We were then visited by James and his supervisor Bridget **. We were absolutely told and signed up as a family coverage for family insurance. The application taken reflected information regarding names and ages of each child. We also signed up two of our employees as well. Our premiums were between $453.00 and $566.35 each month, depending on number of weeks in a month. We paid 9 months of premiums. In total, we paid $3,963.75.

I have been denied cancer payments and I have been stalled for 20 months. Aflac would like me to die and knows that my heirs (or others) can fight this fight. Aflac has given my cancer information out to a third party and that is illegal! They know that families with cancer can not fight them let alone an individual.

I first signed up with AFLAC through my employer, Outback Steakhouse, Medford, Or. The gentleman who signed up myself and other co-workers was very misleading from the beginning. He led us to believe AFLAC was medical/dental ins. coverage, when in fact they are supplemental accidental ins.