Aflac Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I purchased their Hospital Indemnity plan and on June 1 was in a very serious auto accident. I was in ICU for 2 days, CCU for 5 days, and in the Rehabilitation Hospital for 14 more days. 21 days as a hospital inpatient. My claim with AFLAC was denied because they said "I wasn't in a REAL hospital"!?! I was in the ONLY Level 2 trauma center in all of Northern Nevada (Renown Hospital) - and they say it's not a REAL hospital??? My hospital bills are now more than $175,000 and they're refusing to pay my $2,900 claim? You're better off buying some Crispy Duck at your local Chinese Restaurant than buying insurance from these guys!

My husband and I are in ND working till my better half can retire. He has been paying on a policy since 2001 that started out being a policy for accident on him only. In November 2015 I fell and broke my ankle at a business that has refused to pay anything on my injury at their location with witnesses as I keep getting the buck thrown at me. I returned back to work 2 months later and there is a rep from Aflac present. I told her my situation when it was my turn to talk to her. She looks up my husband's policy and said that, "It's not an accident policy for him. It's a supplemental insurance and you can turn your paperwork in and get some of your medical and mileage back." Boy was I a happy camper. So I gave her all my paperwork (kept originals) and she said she sent it in, this was in March.

I signed up, as a single mom, for 3 policies, Cancer Indemnity, Accident Indemnity and Short term Disability, in 2005, with a boyfriend selling AFLAC. He hooked me by telling me I could sign up as a business owner, and avoid the bank withdrawal (not that they haven't tried absolutely everything to get my bank info). I put the policies in a drawer and have been paying 109.94 monthly ever since. Recently, I had some outpatient procedures, and pulled the policies out. Also noticed that 2 of the policies have wellness clauses (annually, $135 inclusive). I immediately filled all wellness for the last 4 years, as well as my 2 first outpatient surgeries, expecting at least $1000 to come reasonably soon.

What a joke. They don't even owe me that much money. But they would rather screw me over than pay me. It's only July, but I am not allowed to cancel until the end of the year. What a scam. That is wrong. If you are unhappy with something you should be able to cancel then, not five months later while they are still stealing money from your account. I was off work for two weeks. Called my rep. She sent me papers to fill out. My DR did everything they wanted. My rep told me every single week she would call me back the next day. For three weeks I have wrote this lady and asked her to just be honest with me and tell me that they are not going to pay me. I would rather that than to just be yanked and lied too. NOPE! She won't even respond. After reading these comments I am glad I was just out two weeks pay instead of some of these horrible stories.

I purchase life insurance for my husband through my employer with other policy that Aflac was offering. I was not told by the agent at the time of signing up that if I was terminated by my employer, none of the premiums will be refund to me. I find very dishonest from the agent not to disclose that and furthermore no one ever contact me after been terminated to continue the payment on the policy. Today I was told "sorry I can't help you as your policy was terminated and you are not eligible for the premium paid on the policy." Every paid period $62,50 was taking out of my pay for almost 5 yrs totaling $8125 of premium down the drain. I must of have the word STUPID writing all over my forehead. Please don't invest on any Life Insurance with AFLAC.

I had surgery 6 wks ago for lateral condylitis, now that's something that just don't happen for no reason. I filed all the asked for, then the email me and told me my claim is denied because it's not an accident or injury, are you kidding me. For 1 yr I was receiving ** shots that was not working. This all happen because my daughter was in a half-body cast and from lifting her this happened to me. I am out of work for 3 months. PLEASE DO NOT GET AFLAC. They lie and run you around like crazy and no one in that company cares.

I had surgery June 2, 2016... I've been with Aflac since 2014. I filled a claim June 14, 2016. I've sent in everything I was asked to send in. I keep getting told my claim is escalated... The customer service reps are not trained to answer questions regarding claims. It's July 13, 2016 and I still haven't heard anything about my claim. I need help to see what's going on on with my money. I've been out of work and have not received any money but they are still taking money out of my account.

Illness Policy says it covers a hernia. When I sent over a claim, they said the clause says no surgical procedure is covered if it's due to injury. I said how the hell would you get a hernia unless it's from injury. A hernia is combination of two things, a weak stomach muscle and a strain. I asked 4 reps why they would list hernia and no one had a answer. This is a fraud.

I really hope by writing my review I can save many others the grief, anger, frustration and money that Aflac has cost me since signing up for their policies!!! Anyone even considering opening up a policy with this company is STRONGLY urged to run the other way as fast as your feet will allow!! I honestly do not know how this company gets away with such illegal, deceitful and dishonest practices! Just a heads up, this may get long, and I apologize, but it is definitely worth reading.

I had filled out the application for a claim 3 months ago and keep getting responses for other items. They say they need an accident report and that's not requested on their form and then they needed something else that's not requested on your form. Their forms and the requirements for filling it out are very inaccurate. Just one way of delaying the payment process.

Despite what they advertise online AFLAC does not pay its claims when filed correctly or in a timely manner. I faxed a claim last fall and still have not been paid. They claimed to have received the claim form itself and not the medical information. It has been re-sent, and they still have not paid. You will call and talk to a supervisor and they will tell you they will put it back over to claims and you should see something in 48 hours and you see nothing in your bank account or hear nothing. You call back and call back and you cannot reach a supervisor.

I have been fighting with Aflac for almost 2 months still no help... I have provided everything they have asked for on several occasions since they claim they never got it. I would never think a company could drag their feet and come up with so many excuses as Aflac has. Today the excuse was they were waiting for more documentation from my Dr so I contact my Dr's office and am told paperwork has been ready for Aflac but Aflac hasn't paid the fee... sad when I am waiting for them to pay 36.00 which I cannot pay since they requested the papers. I tried so I can get this taken care. I would never recommend Aflac... but I will say if I have go to the next level to get this taken care of I will. This is so unfair to treat people the way they do.

I signed up for Cancer Insurance with Jamie ** who is an agent for Aflac. When I signed up she told me there was a 30 day waiting period from the sign up date. I waited 45 days to schedule a biopsy for my prostate. My Dr. wanted to give me Testosterone shots but my prostate was a little enlarged. Well I did the biopsy & they found cancer. I contacted Aflac & now Jamie tells me that the insurance has a 30 day wait after the 1st payment cleared. When I was waiting for the payment to clear the month before I kept calling and she told me that I was covered & not to worry, but when it came down to it she had been lying to me & now blames it all on me. I could have waited to do the biopsy but I went ahead and did it after the payment was made. Now I can not ever get any cancer ins. Don't deal with Jamie ** at Aflac!

I purchased a policy with Aflac through payroll deductions. When my employer discontinued their contract with Aflac I attempted to cancel the policy. I was told it would take up to 4 pay periods. This was in 2/2016. I have since contacted Aflac directly to question the cancellation and reimbursement of my money that was deducted. I continue to get the run around while money is still being deducted from my paycheck. I question Aflac's business practices due to this most unpleasant experience.

Having cancer is frightening but trying to deal with Aflac regarding your Cancer Plan is horrific. Having been in treatment since December 2015 including mammograms. biopsies, lumpectomy and a radiation program in the last 5 months I have as of yet received any payment from my plan. I have completed applications, contacted my health care providers with documentation requests, contacted my Aflac rep. David ** who also contacted Linda ** Independent Agent. I have provided every related bill all to no avail. Every contact with Aflac or their representatives is a dead end street. They just do not care. I am so fed up but after paying on this Aflac Cancer Plan for several years I do not intend to give. Why would they take this approach and cause more pain to those already in pain.

I got a hernia and was told how they word my condition in the ER that I was not covered. Been a customer for 10 years. Now I want to stop my accident policy and was told I had to wait till the end of the year. Never received any explanation of benefits on being denied.

I've been a customer since 2007 and thought they were great 'til one day a rep came in and said I needed to switch to Aflac group. I've been charged for both policies since, claims unpaid, can't get a hold of anyone. 2 yrs now I've been trying to drop it and get the runaround. Last year, rep came in and said she would get to the bottom of it and in the meantime resubmit my old unpaid claims and she would help submit them. A month goes by I try calling, no answer and left a message. No callback. I call again and this goes on and on, no call back. I call Aflac themselves, they said she was fired and they can't access her info - bs.

10 weeks ago I had my hand slammed in a door at home, and I had to have emergency hand surgery that put me out of work on short term disability, which I signed up for with Aflac through my employer. My accident was on Friday March 18. I filed my claim that following Monday March 21. Aflac has done nothing but screw with me. I filled all my forms out and faxed them back, as did my employer, and my hand surgeon. I had them turned in within that week. 3-4 weeks later I get a email stating "sorry we can not go on with the review. We need more documents".

I filed a claim after I had hernia surgery on April 8th. It is now May 2nd. I don't think I have ever been so disillusioned or regretted a purchase as much as I have from Aflac insurance. I felt when I bought the insurance that I was adding financial protection for my family. It hits home with us because we did not have coverage as my wife went through cancer. So when I injured myself working on my car I was very relieved that I would have extra income to stay home and recover. Instead I have went back to work a week early, made numerous calls, miles of driving for documents and no claim has been paid. I'm starting to think this is a huge scam. And to make matters worse I tried to drop the insurance and I'm forced to continue to pay for six more months for a bogus insurance policy.

Do not waste your money. Worst experience. They are lies and crooks. Too many loopholes to all businesses. Do not use Aflac. Our lives were turned upside down due to empty promises. We dropped the policy. They are a joke.

I have had an Aflac Short Disability for approximately six years and I have never had the need to use said policy. I had surgery on March 25, 2016 and I am not released to go back to work until May 4, 2016. My whole process has been a nightmare. First Aflac claimed that I was not out 31 days because my employer put on the school board agenda the date of April 13 which is when my leave without pay started. Then my employer changed the date to April 1, 2016 since that was the issue. Still not payment. Then AFLAC said that my Dr. had to refill out the third form AFLAC asked for because my next follow-up appointment is on May 25 and he is releasing me back to work on May 4. It's a follow-up appointment.

I knew I needed surgery and was not able to take the time off from work. Aflac was one of the benefits being offered at my job so I got the service. I talked with the sales agent personally and he assured me that I would be covered so long as my surgery had something to do with a condition that had already been well established and not something new. (By the way this is a lie, they don't cover pre-existing conditions at all even if you just talked to someone about something). It took forever to jump through all arbitrary hoops to get them to finally get me an answer on the claim and they denied it because the surgeon who filled out my paperwork talked to me a few days before my first 30 days which rendered the claim non-payable, even though my surgery was well within the time frame of what they wanted. That is the most ridiculous thing I have ever heard and definitely not made clear by anyone at the time of sign up.

I joined Aflac Hospital Indemnity and regret my choice from day one. I have discovered the key to ripping customers off is to advertise how easy getting payback on your policy takes within 24 hours, which is not true! For the client that claims their experience with Aflac was great must be related to someone within the agency because my experience and many others views are mutual to mine. I refuse to waste another year with this company. I refuse to allow Aflac to take from my payroll and deny each claim I present to them in a timely manner. I shouldn't lose money to hospital stays and non reliable insurance companies such as Aflac. Please save your money and personal info.

I have a Short-term Disability policy and a Group Hospitalization Policy with Aflac. In March of 2016 I became very sick and ended up going to the emergency room via our city's EMT's. I ended up being in the hospital for six days and being off work for three weeks. I had no sick time available and the company I worked for advised me that since I had insurance through Aflac I did not qualify for the "time donation" benefit they offered. The first thing I did when released from the hospital was contact my Aflac agent. He email me the forms to submit a claim on both policy. First I emailed the forms and paperwork back to him the very same day.

In June of 2015 I took out a short term disability policy with Aflac. At the end of June, I was having some shoulder pain, went to my primary and she sent a specialist to have my shoulder looked at. Dr thought it was a frozen shoulder. I was treated with therapy for 9 months hoping that the therapy would work and cortisone injections. Therapy did not work so we need surgery, 10 months into paying for Aflac. They deny my claim. Because I went to the Dr.s within the 30 days of my policy being taking out they will not cover my short term disability. Nowhere does it say I cannot see a doctor within the first 30 days of taking out my policy. My surgery was 10 months after taking out the policy. Total ripoff!!! So disgusted!!! They take people's money then don't want to pay out. Frauds!!!

I had a car accident and they never answered the phone to help me with my claim. The website is a waste of time. Never loads up to get the forms and the agent was so so unhelpful. I would never recommend this insurance to anyone at all. 4 yrs paying for nothing. The very first time I claimed and needed the help they never helped but they were very good at getting the money from my account. For that they are always on time. TERRIBLE TERRIBLE SERVICE. Who is going to pay me my money back for those four years I paid you Aflac?

Received 2 head injuries in December 2015. One left big scar on forehead. Claims denied because I didn't go to emergency room. Dental claim was sent to Dentist office per instructions and went into oblivion. Paid probably over $25k in premiums over 25 years, no return call from agent. Cancelled all Aflac policies. What a rip!

This all started on 2/10/16 when I got into a motor vehicle "ACCIDENT" which I want to point out that I have the accident coverage through Aflac for myself and my family. I had to deliver my baby via c section due to the accident. I had to stay in the hospital for extra days and the compensation is nowhere near what they claim to pay!! I am very upset and am not sure where to go from here? I did write an email last night and am waiting for a response but I am upset because I have everything they have asked and for a payment of $460!!! I don't think so, me and my newborn almost died if it was not for the ambulance getting there so fast and the OB Dr. making his very quick decision to do an ER c section so me and my baby could live. I'm not sure what to do from here but this is ridiculous. I have been a loyal customer since 2014 all I ask is I get compensated for what is mine!

Good luck submitting a claim correctly for Aflac. Their "24-hour" turnaround smoke-blowing is assuming that you can navigate their incomprehensible claim forms, which all leave out imperative information needed to be submitted, which later requires you to resubmit more information and read .PDF messages on their secure server which don't open in Chrome, Safari OR Firefox. Not to mention the fact that it doesn't save any of your work while you are editing a claim, so if you have to pause or close out a browser (or if your browser is out-of-date) it will deleted everything you have worked on.

I wouldn't suggest this insurance company to anyone. They lie and are misleading. My husband took out hospital insurance thru his job. He got sick and went into the HOSPITAL on May 4th and he passed away in the HOSPITAL on June 29th. We started fighting with Aflac when he was alive and they still have not gave him a dime to help with the HOSPITAL bills. They say they never should have insured him and would return to me all the money they took from his paychecks. Well his year mark is quickly approaching and I still have not heard from them. I think Aflac is a complete joke. By the way my husband doctor bills are over 2 million dollar and they are complaining about the little bit they owe him. Never will I say anything nice about this company.

I am writing this review because of my experience with AFLAC but also because of the negative reviews I have seen on here about AFLAC. One very important fact to remember is most people only write reviews when they are dissatisfied about their experience. Most people that are happy with their policies often do not take the time to write their positive experience.

I have been faithful customer for two years paying this ins. policy. This is the way they have treated me. Since Feb. until now March 23rd I place a claim with them. It has been a nightmare believe me. Several CALLS and I tried four times to fax my information to claims department. The right hand doesn't know what the left hand is doing. My agent and the main office has been useless to me. I finally got this person named Ashley she was very knowledgeable, who took the time step by step. I scan the documents and E-mail and everything fine for now. I hope. I do not recommend buying this insurance. They advertise on TV one-day pay. Direct Deposit is very difficult doing online. Very dissatisfied customer.

When my father passed away, I contacted AFLAC to determine what type of policy my father held with them. I was told to fax the death certificate and a copy of the will to prove that I am the executor of his estate. I did so and received a premium refund check with no other information two weeks later. I called to determine the policy type as that would determine how to proceed, but was told that the will never got sent to their legal department for review because "that isn't the normal process". I was told to call back 24-48 hours later so they could review it, which I did, but was then told that I needed to provide proof that the will was submitted to probate.

I got very sick in January, my family found me in a coma. I was in the hospital from January 16th to January 25th. I stayed home till February 5th. I am still recovering. I contacted my agent, gave him all needed paperwork. He always gave me the runaround. To this day I did not receive any money. He won't answer your calls. He wants you to text him, even then you still have to wait for him to respond. I should be focusing on my recovery and not be stressed about paying bills, if my light will be turned off or if we have enough food. I just found out I am pregnant. I am beyond stressed. They are quick to take money out of your check every week but then you have to fight to get your money you are paying for. They tell you on tv about you getting your money in one day or very quickly. That is false advertising. I am going to contact a lawyer and take them to court. This is unacceptable.

I purchased Aflac with the understanding that if I were to get hurt they would help with the financial stress of needing hospital care. I broke my arm skiing 7 weeks ago and had to have surgery and admitted to the hospital for two days. I have made numerous phone calls and everyone seems to be clueless. I faxed over all my hospital records as soon as I got home knowing I wouldn't be able to work for at least 6 weeks. They have denied even getting a fax which is strange since my Aflac rep also faxed them all my information and they still claimed not to have received anything. Every time I call I go down the road. This has been 100% frustrating.

I took out policies with a District Sales Coordinator and all I can say is if you're going to be a professional, you need to be one. When you are asked questions about your customers policies, you should respond to those request/questions. Ignoring them isn't what a good agent does. I ended up cancelling my policies due to poor customer service. I wouldn't recommend going through Aflac for any type of insurance.

I'm 38 yrs old and recently was diagnosed with two heart conditions that required open heart surgery. I had the Aflac plan for over 2 yrs through work. Many others didn't buy into the policies. I'm lucky I did. My plan paid out 2100.00 a month for 6 months. Although it was less than half of my salary, it did help with the bills. Also it was paid in cash, no taxes. The only thing that kept me from giving 5 stars was that they were always behind in processing claims. My representative was extremely helpful and kept me in the loop and also told me to have my continuation Forms faxed in 2-3 weeks prior to when they needed to be turned in, every 60 days. All the negative reviews shock me. I highly recommend Aflac and to keep a good relationship with the Representative.

My wife before we were married purchased Short Term Disability and a Hospital Indemnity policy with the intentions of one day having kids. While she was pregnant we were trying to plan out finances while she would be out of work for 6 weeks. Her response was that we had AFLAC. As promised after filing our claims on Friday we were paid by the following Thursday for her time out of work from her short term, and we were paid for the hospital admission, days in the hospital, and for the C-Section delivery. Our agent was great and that is why we still have those policies and now have more.

We have had an AFLAC policy for over 22 years. When my wife had cancer 20 years ago, we had NO PROBLEMS. AFLAC was great, and punctual in payments. Now she has another cancer, and is using basically the same doctors in the same locations. AFLAC has been very slow with everything, in spite of all kinds of publicity about their one day pay. When I call them, the representatives are very nice, promising to do what they can. However, not much is happening. Though they have new technology to upload claims, many of their older customers like myself do not, and so we are left out. They are not processing our claims in any sort of a timely fashion. Much worse than before. Hate to see it.

I got hurt on the job and ended up in the hospital for 7 days. Thank goodness I didn't end up needing surgery, but I did fracture my pelvis in 5 places. AFLAC was great and I got a check immediately upon submitting my forms when I got out of the hospital. We also have a dental plan and every time my daughter's Dad took her to the dentist I submitted a claim form and got a check. They are also very good about sending the checks once a year for our health checkups. I really like this company and have never had a problem.

I recently filed a claim with AFLAC. I received a message through the message center requesting information needed to process the claim, January 19, 2016. I sent the required documents and after 8 days I still had not heard anything (even though the company claims a 1 Day Pay). I was told that since I faxed some of the documents and scanned some of the documents, it would take longer.

I worked for AFLAC for 6 months out of college. They promise you the moon. I spent well over $1500 driving to their meeting and all around eastern NC to try and trick someone into buying supplemental insurance. I was the number 2 rookie in the state and made a grand total of $658. I had to quit working for them and find something that would actually pay me for my time and needless to say it just was not a good fit for me. Two years later I start receiving letters threatening small claims court and messing up my credit if I do not pay back the $600 dollars. Now they say I can pay them $465, and will even let me pay them 50 bucks for the next year every month. Now they are saying, so they don't have to take me to court I can just pay $300.

The insurance company Aflac is a fraud. They sold me the insurance along with a lot of false promises. They claim they will cover you and they will take care of everything when you need to use your insurance but as soon as you need them they will give you the run around, ask you for all the necessary paper work over and over again. They claim to be on top of things but can never give you a straight answer. Aflac will make no effort in any way, shape or form (no emails, no phone call, not even certified mail) to contact you. Aflac insurance company are crooks and frauds. The way they treat their customers is beyond ridiculous!

I recently contacted Aflac to re-instate me. The person on the phone said, "Sure, you are in the 2-year window, and I will send you the application for reinstatement." I called again, spoke to someone totally different, regarding if I needed any help to fill out the application. She gave me a name and number of a person in my state. That person never called me back. Left 2 messages and no response. I finally get the application in the mail and was told by the supervisor that I cannot get reinstated because of the way the policy reads. I told her that I spoke to 2 different people and they both said that i was in the 2-year window and can get reinstated. She said "no", the policy I had reads that I can't get reinstated and told me that she was sorry and the people I spoke with earlier need to get re-trained. Go figure? Very, very, very upset!!!

I have held a short term disability policy with Aflac for over 10 years. Premiums always paid on time, used once 8 years ago for a few weeks. No problems. Lately their service has declined to the levels of the worst in this business. I followed all the instructions. I realize that so many steps are required so that they can claim they "DID NOT RECEIVE" the info. I needed very short term disability for 6-8 weeks. Simple. Or so you would think. After submitting my own info TWICE and my doctor's info THREE times, they said they had not yet received the doctor's form. We resent to an AFLAC SUPERVISOR, hoping to find someone competent.

I have had Aflac short term disability since Jan. 2015. I went to the doctor August of 2014 for a cortisone shot to take care of the problem. Surgery was not discussed. I went back to the doctor April of 2015 which is when he discussed surgery. I had surgery Dec. 2015. My insurance agent worked with me a month before surgery, checking over all the details of the claim. At that time, no mention was made about pre-existing condition and that Aflac would not pay the claim. I feel I was misrepresented and now have no pay check for the 2 months I am to be off work. I am self employed.

I own several car washes. Aflac representative wanted to talk to my employees about offering coverage to them. What he represented to them (and me) turned out to be completely not true. When I started getting letters from Aflac corporate and made a few phone calls to them, I was livid. I cancelled everything. I spoke with their regional sales manager, told her either (1) he was a dishonest sales rep that needed to be fired, or (2) doing exactly what Aflac wanted and getting accounts at any cost, even if meant being dishonest. She acted like she could care less what I had to say. I'll never let another Aflac representative onto the property at any of our locations. Recommend people avoid Aflac like the plague. They're not honest.

Purchased a short term disability policy that went into effect on January 1. Went to doctor on the 6 and was told that I needed surgery and would be out of work for several weeks. Filed a claim and was told that it would not be paid because illness happened in the first 30 days of the policy being started. None of this was ever explained and was told that the policy was in effect as of January 1 and that if anything happened after that day it would be paid. What a big joke. Just a rip off.

Aflac policy (family plan) is in my name. My wife injured her foot at work in May 2015. I proceeded to leave messages on the voicemail of the local Aflac representative that hawked the policy to my place of employment as directed by him at the enrollment session, two messages went unanswered. I initiated a claim form online and handed the claim off to my wife. The wife had the treating physician's office submit the medical report to Aflac - no results. My wife contacted Aflac and was told that they did not get the report.

I have a short term disability policy with Aflac. You know, the one they advertise as paying claims in one day. I submitted a claim. When I called about it, I was told it would be seven business days. When I called on the eighth business day, I was told it would be fourteen business days. I had to borrow money from family and friends to pay rent and buy food until they paid. When they finally paid, it was only part of what they owed. They did not give any notice or reason for this. I had to call only to be told that I needed to submit another form (one I had to request) before they would pay the rest. This seemed underhanded and dishonest the way they did this.

I filed a claim for disability because I'm having surgery. I was told that the claim won't be reviewed for another 10 days because they are behind. Which means I won't see a disability check until sometime in February!!

I hope no one has Richard Peterson in NY as an agent as he will never return your call or emails. I have stage 3 Breast Cancer and am having a problem with a claim over chemo (this is normal as to always having issues with the claims department) and have emailed and called his office over a dozen times in the past month. I had one girl call me and I had explained the issue and she told me she would call me back soon and I have also left many messages for her as well with no reply. Who runs a business this way??? Is it not enough having to go through almost two years of surgeries and treatments then to be treated with absolutely no respect at all is devastating and extremely stressful. So I guess I get to spend time going to the BBB and the State Attorney General. Fun Fun Fun..

Very disappointed in the customer service from Aflac. Filed a claim on Nov. 13, 2015 for a hospital stay for my husband. He was diagnosed with Cirrhosis of the liver on the stay, something that had never came up before or had been treated for anything remotely to do with the liver. This is now January 7th and still getting the run around from Aflac. They are still trying to deny the claim. What aggravates me about them is the fact that when they need additional information, you do not know about it unless you call them daily and stay on hold for the evidently mandatory wait time of 1/2 hour to find out that they are needing more information. Each time I have been told they have mailed, not emailed, a request to me. But funny thing is I have not received ONE of the requests from them.

My daughter tripped and fell at a restaurant, no Alcohol - she is only 10. She hit her head on a table, then hit her head in the floor rendering her unconscious. She was taken to the hospital via ambulance and had a severe concussion. We submitted it under our accident policy. They denied it saying that there was "no evidence of an accident." What??!! Money hungry pieces if **. I pay heavy premiums every month, to be treated like this? Wow!

Saleswomen came to my job about 15 yrs. ago, thought it was good so I purchased short term disability insurance. I have never used it until now, what a joke. I was told over 1 yr. ago I have severe carpal tunnel syndrome & might surgery. I kept working but symptoms got worse. I decided to have surgery after I got a seasonal layoff. Now Aflac will not pay my claim because I am not making 80% of my normal income. Unemployment won't pay because I'm disabled. How do I pay bills! HELP! I paid their salary and they threw me under the bus! Thanks Aflac!

I have had Aflac for about 9 years and have never experienced a problem filing a claim until here lately. I have had my accident policy since 2010 and recently as of 2014 added a rider to my accident policy for critical illness. I was involved in a accident August 2015 where I severely injured my lower back/SI Joint. I have filed claims related to this accident, physical therapy visits, MRI's Bone Scans etc., and have received payment for my medical diagnosis. After reviewing my Accident benefit booklet and what my new rider covers (critical Illness) Loss Of Independence-due to a covered injury, requiring direct personal assistance to perform ADL's (Bathing, Dressing, Hygiene) for at least 90 days.

Husband was in a accident and cut open forearm and broke it. And cut half of middle finger off. Granted they were able to save it after 10,000.00 dollars worth of medical bills. Aflac has been jerking us around for months. On their report it said major finger amputation. But yet they can't figure out what that means. They say they need more information and we send in everything they ask and still that's not enough. Well then they say in order for it to be considered a dismemberment it has to go down to the second knuckle which it does. But then again having your finger cut off is having your finger cut off.

This company does nothing but lie to you. They claim that your claim will be paid within one day is not true. After a couple of weeks of not receiving anything, you call them, they haven't done anything on your claim. They say what they don't have what they need. Well why didn't you call? Why didn't you call the hospital, the doctor for what you needed? You have to keep after them in order for them to pay your claims and sometimes you even have to go do all the leg work for them or else you won't get paid

I work for a construction company. We had a salesman come out, they had other vendors. We had a drawing for prizes, some had tools, others had gift cards. This is Christmas time. Well this large high dollar insurance gave stuffed ducks to grown men. I won 1. Everybody laughed at me. I've never been so humiliated. What a cheapskate company. This is the way that they take care of their customers. I hope you never fall victim to Aflac. I was not physically hurt but I was hurt. I will never recommend them to anyone.

I've had Aflac for 3 years. My first claim was great. My agent filed the paperwork for me, made everything very easy for me. My second claim came over a year later, and the same thing happened. I signed forms and the claim was paid in 3 weeks. It was wonderful. I raved about Aflac. I told everyone they should get Aflac! I thought it was the best thing ever, peace of mind insurance, right? WRONG.

I've filed two claims with AFLAC and both were not in any way taken care of in a timely manner. The first one was when my husband went in for emergency surgery for a tumor in his spine. They drug out paying the claim for three months, first claiming I needed more documents even though I sent them over 30 pages and two doctors statements. Then they wanted me to prove it was emergency and we didn't know about the tumor before I got the policy. We went in for an MRI, and were stunned when they found a tumor! We were in surgery ten hours later.

I filed a claim with Aflac the first part of October and every time I call to check on the status of my claim they keep telling me that they need the diagnoses code which is on the UB04 form. And when I got the form and faxed it to them and still get the same story when I call or they are going to escalate it to a supervisor nothing has been processed as of yet. Either they are dummies or just don't know what a diagnose code is or look like. Aflac needs to get it together because this is bad practice. If I had known this, I would have never signed up with them. So now all of my co-workers has changed their minds about signing up with your company.

I filed a claim for an accident in which my husband suffered on November 8, 2015, and was admitted to the hospital for two days, through the emergency room (which is covered by my Aflac policy). Upon electronically filing the claim on November 13, 2015, I also attached the documentation supporting all the information needed. Less than 24 hours later I received a decision from Aflac that this was not an accident.

On October 15, 2015, my husband was involved in a motorcycle accident. Last year at my request, he purchased policies from Aflac for accident, short term disability, life, and cancer, and specified event insurance. We have never had to file any claims until now. Despite the fact that my husband was injured, he had to run around and obtain medical reports, doctor notes and make sure there were releases so that any other information could be available.

I am complaining because AFLAC agents are very misleading when selling these policies. They do not bother to tell people that you have to stay overnight for the hospital part to pay. They promise them that they get $1,000 for going to the hospital. My grandson had a finger almost cut off and had outpatient surgery with over $10,000 in bills and only received $100. This was 2 years ago thru a policy his mother had on him.

So my nightmare begins like this, the Tuesday before last, my daughter slipped on some mud falling on a car guard railing on her stomach. She had soreness that evening so we gave her Motrin and placed cool packs to relieve pain. Next day, she still seemed sore but went to school anyways. That night she seemed a little more uncomfortable so we gave her some Motrin to help her sleep. So now we come up to Thursday morning and she is feeling a little worse than the day before but we tell her to go to school and if the nurse sends her home we will pick her up. I even sent a note with her asking the gym coach to keep her from doing any running and so on.

After my review of Aflac having issues with my claim, I want to say that my agent Aaron really went to bat for me after having some issues with the policy that another agent had originally wrote. I received my short term after 2 weeks.

Approached by an independent associate representing Aflac, that was not helpful and argumentative. I have managed my company for 28 years and I don't believe I have come across anyone as unknowledgeable about their product, and defensive about who she was speaking with. We are a small company (20) employees and do not provide health insurance for our employees. She kept talking about a supplement. I said, "supplemental what?" She could or would not explain. We are NOT in the market, please do not send her again. I am training a new manager, and she informed me that she would contact him. She is not a person I would want representing my company. If you want a name, please contact me.

I have been a non valued member of AFLAC since 2008 and filed one claim in 2010. I injured my foot several years ago and no one's fault but my own. I had to have a joint replacement last week which I will be getting medical bills for months. I filed a claim. Sent all of the discharge papers over to AFLAC only to be told the claim was denied due to no evidence that there was an accident. I was told I should have filed a claim years ago when the original injury happened but unfortunately I didn't go to the doctor years ago thinking it was a minor issue. So long story short if you get a hang nail, file a claim or else you will be DENIED!!! Customer Service will send you to 5 different people once you ask to be cancelled and they will all ask the same questions.

My wife fell at home and complained of terrible back pain on May 21, 2015 around 11:30 pm. She was also incoherent when she spoke. I elected to carefully get her into our automobile rather than call an ambulance. I explained as best I could to the ER staff at Memorial Hermann SE (Houston, TX) what had happened. The ER physicians and nurses then started their examination, blood work, CAT Scan, etc. It was determined that she was very ill and was admitted to ICU. She stayed in ICU for 5 days and was hospitalized for a total of 8 days. I filed an AFLAC accident claim on May 30, 2015 (she was released from the hospital on May 29, 2015). After 5 months, after AFLAC had delayed paying for hospital records and sitting on the report after they had received it, AFLAC determined that my wife's accident was caused because she was ill, therefore not an accident.

We filed a claim with AFLAC on August when my husband had knee replacement surgery. We were told time and time again that they didn't have a form or they had the wrong form or it wasn't filled out properly. Finally after 2 months we received an email. "Claim filed. No further action on your part needed." But we never received anything so we called again and they said they needed another form filled out! So we did get it filled out and finally received payment the 27th of October. Their commercial with the duck are so clever! Too bad the company isn't!

It's been a month since my father has been off from work for surgery and still has received nothing. He has had to use 3 weeks of vacation time in order to get money to live off of, and now that he has used that he is out of vacation time and doesn't pick up more until August 2016. They have dragged their feet, the vacation I had planned for next July will not happen. The extra time he could have had to spend with his new 3-month-old granddaughter is gone. I'm sure they got their money from his paycheck fast! His insurance renewal just came in the mail and I'm glad to see that his company has dropped Aflac for next year and went to MET. When you know your parents are getting older every minute is precious. They have taken that time away from me, my siblings, and niece. My dad's job keeps him out of town for 3 1/2 weeks out of the month. At this point, it's not about the money but more about the time that has been taken away.

Oct 16, 2015 I had surgery. I'm self employed, I had all my info that they requested - 45 pages.. It was all faxed. I checked online Monday, nothing. I called Tuesday, they said it was being processed. I should have a check by Friday. Nothing online about status except "pending". I called they said they needed more information on my earnings. I said "I faxed 2 years tax returns, isn't that enough?" "We need to go through it. We will get right on it and push it through". This is Wednesday. They lost my profit and loss paper. Said they never received it... Isn't it amazing that I sent 45 pages and page #30 didn't go through but the rest did? So I sent it again today. To b continued. Did I mention how many times I have talked to Aflac in the last 10 days?

I am utterly disappointed in how AFLAC treated their customers. I had gallbladder surgery in 08/28/15. Every time I call they said, pre-existing. How can a surgery be pre-existing? Then they want to say I had surgery for abdominal pain. I had a condition call biliary dyskinesia and for that recent I had my gallbladder removed. I sent in all the necessary paperwork. It took them almost 2 months to pay my short-term disability. Now it's you don't have the correct paperwork or you have not sent in the correct paperwork. You get different stories every time you speak with someone different. They lie to get you off the phone then they talk to you as if you're an idiot.

My wife was hit by a car in 2013, and for a while I did not know she had Aflac accident insurance. The agent is, well, not too helpful either. The phone number, type of coverage, amount of coverage, fax number to send info to, things like that to get, were like pulling teeth. I of course am used to this type of thing, being a stubborn person. So, since 2014, I have been trying to get my wife something, from Aflac. It depends who you get in customer service, it makes all the difference. The first ones I spoke to were just not helpful. The last 2 were very helpful. I still do not know what will be paid, what her actual coverage monetarily is, but I am getting the info they want, after the first batch was not good enough. Let's see what happens when we send the new batch of paperwork, then I will update this post.

I had complications with my pregnancy (high blood pressure, finally led to pre-eclampsia). I was admitted to the hospital for observation for 2 days then had an emergency c-section. My total time in the hospital was 7 days. My baby girl was sent directly to the NICU and stayed there for 19 days before she was strong enough to come home (she is fine now, is completely healthy and true blessing to me and my husband).

Have been an AFLAC customer since 2008 and have never missed a payment since it was deducted from our check and when the company dropped payroll deduction had to let them into my bank account to continue paying the bill. I was hurt at work on 9-1-2015, ambulance ride to hospital with a listed "RED TRAUMA." Ripped the top of my forearm off and spent 5 hours in surgery to repair all the torn muscles. Also spent 27 hours in the hospital. I filed the claim on 9-3-2015 and they said I needed to fax them the forms. My son faxed them on 9-5-2015. The whole next week I kept checking the website and it kept saying that no accident report was filed.