The auditior is requesting cms from my providers which all of the providers have told me they do not give those to patients only the billing comp
I filed some injury claims with Aflac as I had done before and they are trying to not pay on my claim even though they are covered in my policyCiting that they need CMS or UB-04's.I called Aflac because I had never heard of those and didn't know what they wereI spoke with a representatives she explained what they were and told me that myself or the auditor can request themI went on ahead and have reached out to the three different billing companies for the injuries that I filed a claim on and they stated that they do not provide those to patients and that they only give those to the billing insurance companiesThey also stated that they do not put on letter heads about why they do not provide cms they said it is not apart of their protocolI called Aflac and spoke to a representative and told her what they said and pro
1)Non-Payment of a short-term disability claim 2)Misinformation when I've inquired the status of the claim 3)Requiring new information unprecedented
I am a independent contractor, working for myself, which is what I stated when I applied for my Short-Term Disability policy and was granted in At that time, I was with a *** company, licensed and hanging my license under that firm I was assigned as the contact for that company for others who obtained their policies, who also hung their licenses under that companyThe other policy holders who obtained a policy while at that firm no longer have a policy that was obtained when at that *** companyI am the only one nowI have done work, this year, as an independent contractor, for an agent who works at that firmAs a Independent Contractor, I work for various individuals and I am paid by various individuals
I have paid for my premiums myself from the onset of the policy
In October of 2016, I filed
Paying insurance premium for hospitalization coverage.Unable to recieve benefit.Constantly requesting information previously sent or new info
Purchased insurance policy for hospitalAdmitted in February unable to receive benefit as promisedConstant request to resend information or provide new informationPremiums have been paid, Expect benefit
Terrible company period ! they take your money each week and will not pay claims and lie straight to your face ! stay away from this company is my advise
AFLAC advertisements and presentations are deceptiveThey do not state that you must see a medical professional within hours of your accident or your coverage is voidedMy wife fell over a bike in our yard and suffered multiples aches and painsOnly after all of her other injuries healed did she notice that her shoulder wasn't getting betterOnce she realized she was actually injured she had her shoulder examined by a physicianShe eventually went through both rehab and surgery-neither of which AFLAC covered since we missed the hour windowWe appealed, they denied a 2nd timeWe filed a complaint with *** *** and they posted their patented "please contact us so we can resolve this" responseWe contacted-they did not respondAt allMy employer has since stopped doing business with AFLAC and replaced them with one of their competitorsGood riddance
New born child not covered when told they would cover it for days
When I Signed up for Aflac Hospitality I was told that my newborn child would be covered for daysI live in Indiana which is automatic stateI called them to confirm this before the birth of my Child and they told me to send over proof of lifeAfterwards the birth I sent in documentation and they said I would have to fill out an application firstFilled out application for my new childNow they are saying that because the agent that sold my employer the insurance is not from Indiana they will not cover it
I joined AFLAC year and a half ago I have been paying the accident protection I finally got an accident and they said I had no coverage
At this time I'm pretty upset and I would like a full refund from AFLAC considering I paid them and they said I do not have any coverage I paid a year and a half I have not had to use them in that for year and a half and when it came time to finally needing them they said I did not even have coverage and that the money that I had paid out of my paycheck did not even get to them I want my money backAnd I do not want to use AFLAC anymore
The representative did not follow procedure when I cancelled my policyI was not billed for a whole year and then all of a sudden money is taken out of my paycheck for a policy that I CANCELLED a YEAR earlierI contacted him and of course was given excuses...this was in SeptemberI continued to email/call until December, and then his supervisor got involved and I did not hear from him againHe lied to me EVERYSINGLETIMEIt is now January and I am still working to get my money backThey took it from me like nothing, but want me, and our payroll person, to jump through hoops to get it backI sent my pay stub that shows it was taken out but they apparently need moreWhy do you need more than that? You didn't need anything to TAKE MY MONEYThey are all either incompetent or devious or bothSTAY AWAY FROM AFLAC!
I don't recommend getting the hospital policy All we have gotten is the run around I don't feel we are going to get out $$ even after we have sent everything in
Aflac will not pay out our claim, properlyWith much communication, after months, still nothing finalized
on 2/23/my daughter, who is a dependent under the Aflac accident insurance plan, had suffered a head injury while at schoolShe was taken to doctor, who direct admitted her to a hospital in cape Girardeau for testing, and treatmentI drove her there, miles to hospitalwe went to her room, they did CT of her head, and an XRAY of her armThey paid out for both of those, with much frustrationHowever, they have not, and seem to be pushing this off, the hospital stay and transportation allowancePer the Aflac insurance manual, it reads paying $for any hospital admission hours or greater; she was admitted for over hours, which I provided documentation, several times, with confirmation receivedThey have not paid the travel allowance eitherThis reads within my Aflac coverage manual being $600, for greater that miles distance, as I noted it was m
Absolutely Awful Company with highly deceptive advertising and BOLD lying!
On the Aflac Accident Policy website, they advertise that a person breaking their leg, going to the hospital via ambulance, being admitted, having surgery and getting a cast on the leg gets $the very next dayWhat a total load of Baloney!! If you added up all the benefits for each item, it adds up to less than $for this fictional personAnd getting it the next day? I'm rolling on the floor laughingIt takes months
weeks ago, I broke several limbs, was transported to the E.Rvia ambulance, was admitted, spent the night, had two surgeries, forty x-rays, metal casts, follow up doctors visits and on and on and onI have received a grand total of about $and even that was a month long fight as they refused to recognize that I spent the night claiming billing codes were confusing themYeah rightAnd this was even after the hospital and doctors both told them as muchAflac realized I wasn't going away and finally paidThe payout to premium ratio isn't in your favorBelieve meAVOID THIS TOTAL JOKE!!
So far my experience with Aflac has been terribleGranted I have been with them for little under a year, in my time of need this insurance company has failed me, and continues to do soAfter submitting a claim for a common surgical procedure that kept me out of work for about weeks, I filed a short term disability claimI had expectations, hence their commercials and promises that I would have some money arriving in time to take care of the billsThen you find out that you don't qualify for their "One Day Pay" because, wellYou make up some excuse; it is basically the same thing Aflac did
Like most of us, I live pay check to pay check, so you can imagine how missing weeks of pay would definitely have had an impact on my financial situation
After clearly submitting my claim under the "Short Term Disability" claim link, (which by the way their website is terrible as wellIt is almost designed to not work half the timeI had a hard time getting these links to workJust today 1/24/I was trying to "Upload" yet another document (my W-2's) and the link was not working properly.), and faxing itI received a letter saying that Aflac would not cover me because this wasn't an "Accident"I obviously found that weird so I decided to contact Aflac and try and figure out why I was receiving this letter
After speaking with a representative, and basically being falsely accused of improperly filing the claimI was able to get the representative to refile it under the correct claim sectionThis honestly is such bullI filed it onlineThere are two separate links to file your "Accident" claim and "Short Term Disability" claimOn top of that, right on the application they make you fill out what policy/s you have or are usingI had check marked the boxes that read "Accidental Policy"/ "Short Term Disability"(Which was my mistakeBut in my defense I have both policies and it wasn't clearly stated which one they wantedI just thought you checked bothRegardless both were checked.) I just can't accept that this claim was misfiled by the system and/or manually misfiled by their claims handlersBut let's give them the benefit of the doubt
Fast forward a few weeks, still no movementSo here I go, I begin calling more frequently, getting the run around being told I needed to submit this and that document now my W-2's that I didn't need before now were needed etcAlso, when I chose my policy it was my understanding that my rate was based on the amount I chose from their table rates of what you thought you made a yearThey're supposed to base your benefits of off the rate you picked.....At least that was the explanation when I bought the policyNope!!! These documents needed business days to be reviewed.....***??? Seriously? It got to the point to where I called pretty heated and began to take it out on Miss ***, this representative decided to hang up on me
So, I called back to report the incident and see if I could have my case escalated, spoke with a different representative who informed me that now they had sent out to my doctor a "Doctor Questioner" and where waiting for this back?!?! I ask what type of questioner, they respond, "It's to check on if you have had a preexisting condition/s regarding the matter I was claimingI didn't realize that they had exemptions if you happen to have had some issues that may have been related to your current issue in order to disqualify you from receiving the benefit that they are charging you for every pay period
At this point I ask to have my matter escalated to a managerWho promised me that he/they would keep me informed and would move this thing alongThat happened for about a weekTwo weeks later I received another letter saying they are closing my claim because they never received this frigging questioner backAfter a day and a half I had the medical clinician from my doctor's office speaking to an Aflac rep on three way
I literally have done more for my own claim than what Aflac has done the entire like 5-months this has been going onThey finally receive this questioner on the 12th it is now the 24thStill, no wordI call back, on the 23rd they inform me that they have supposedly sent out on the 22nd a letter asking for now my w2'sAgain, why would they have you pick out a rate to pay monthly based on a rate of a benefit of your choosing and then switch it around to try and tell me you're going to base it off of what I make a year not the rate I've been paying for every month? *** is that? So, I get home try to upload this documentNo luck, the link is no good*** you Aflac!!!!
So I still don't know if I am approved, will get any benefit/s or know if this matter will be resolved next week or in two monthsThey are still asking for more documentation and by the way, since this happened months ago, I've been back to workI will update this with the end resultI am truly disappointed in the services and cust
The customer service waits are long...the representatives are not really informed The and the advertisement of one day claim pay or quick pay is not what you really need there service for stdI've been off a total of almost weeks and won't receive any money even a decision till I go back to workWhich is not goodand they don't seem to Care
Horrible company and worst customer service ever! Have accident policy for myself and my husband with them and have had to speak with at least 4-different reps and gotten almost nowhere after being on hold, cumulatively, for hoursI have explained to all of the people I have spoken to that I have been unable to get an itemized hospital bill OR UBform from hospital's emergency room where my husband was first treated for his injury in APRIL, which is holding up the rest of the claim processing Even though forms were filled it out with a regular blue ink pen and scanned in pdf format, Aflac is claiming they're "illegible" but no one from Aflac advised me that it was supposedly "illegible" until I called them and have resubmitted several timesSo frustrated that I can't get the benefits of my policy which I paid into for the last few years
Claim XXXXXXX denied because they stated it was an illness code which it was NOT so I went the doctor and he said it's not an illness so he put another injury code and they declined that claimThis company is about making money off of honest people's misfortuneSTAY FAR AWAYIM GETTING AN ATTORNEY AND WILL STSRT A CLASS ACTIONAFLAC HAS *** TOO MANY PEOPLEMY DAUGHTER HAS *** and I'm out of work and can't afgord her suppliesIf something happens to her it's going to be uglyMy attorney said we have options
I started with the disability policy in September While signing up with my Aflac Representative I informed her that I was taking out this policy for the maternity benefits I informed her that we were actively trying to have a baby at the time, but that I was not currently pregnant I asked her if I would be covered by the Aflac disability benefits if I were to become pregnant the following month of September, which would be when my policy would go into effect She informed me that yes I would be covered I ended up getting pregnant in September and carried on with my Aflac Insurance
When I was about months pregnant I was looking through my benefit package and noticed that I would only be covered if my due date was ten months after beginning my policy I called my Aflac Representative to ask her about this I informed her that I was pregnant and that my due date was May 25th I told her that I had noticed that I was required to have a due date months after the beginning of my policy and that I would not be months out and that I was going to cancel my policy if I was not covered She reassured me that I would still be coveredAfter having my baby I entered a claim to my policy My claim was denied I informed Jamie that it was denied and she again reassured me that it should not have been denied and that she would figure out what was going on She then had me enter an appeal for my claim It was again denied for the same reason, I was not due months after my policy beganI would never have gotten the short term disability insurance through your company had I not been reassured multiple times by my Aflac Representative
I have called my rep and she will not call me back She said that she put in to have my premium refunded and when I called Aflac they told me that she had called and requested but was told that she needed to send in a letter and that she had never followed through with sending a letter I sent in my own letter
I understand that I should have looked into the policy more, but when I signed up I was given no paperwork that I could read through, only her continuous reassurances that I would receive a payout kept me in this policy I have requested a refund of my premium It has been a month and a half since requesting I have been told they would make a decision days from their receiving my letter Each person I talk to at Aflac has given me a different story I am at my wits end with this company and would never recommend them to any one Their customer service is a joke They will not give me any information over the phone and just keep saying that they will send me a letter in the mail I receive the letters around days after the conversations and they are generic letters that give me zero answers
Too bad I could not leave this company with a zero star review
I have been getting ran aroundon a claim that I have filed and previous claims based on documents that I have submitted as requested
I was denied an accident claim for February of for an accident that my husband sustained due to them also diagnosing him with carpal tunnel while they were still figuring out the damage to his armThey denied it based on the office notes that I submittedOnce my husband had his surgery I submitted the operative note that they requested and was told that it would be business days before I would hear something for the hospital policy that I have with thembusiness days later I am STILL getting jerked around and I can't get a straight answer from anyone when I callI have called every day the week of April 24th without any satisfactionI have demanded to talk to supervisors and was hung up on instead of getting to speak to a supervisorI asked repeatedly how the office notes that I submitted for the denied accident claims were good eno
This company is a scam Been paying for over years on this policy They cheat you when you actually do file a claim Their customer service is horrible, called everyday and didn't get anywhere This company is the absolute worst everWish I never got this policy Such a waste Even tried to file a complaint against them but was told they don't handle any complaints against insurance companies Not sure why I see others listed on the page but they didn't accept mine Don't waste your money on any of their policies because they are liars and cheats
I Aflac accidental policy and injured my foot/toe while on vacation 7/22, pain, swelling, difficulty walking on it became worse I went to *** on 8/1and I had a fractured to Submitted claim, they paid for the fracture but denied m office visit because I didn't go within hour As I stated to Aflac, number I called to see if it was covered, they stated the fracture and office visit is covered I told them I was away on vacation and did not get it checked right, the girl states it was covered, nope denied with a letter stating I didn't get help within I explained to them that I never received what was what wasn't covered and any stipulations and explained to them I was told it was coveredI filed an appeal and denied again I called and told them that I wanted what was, wasn't covered and again I received only certificate and Privacy policy which is what I received in the beginningFinally after several calls I finally get what's covered, one page says fracture benefit says if treated by a doctor within days and another page says within hours
They really need to get their stuff correct, so be cautious with Aflac
The auditior is requesting cms from my providers which all of the providers have told me they do not give those to patients only the billing comp
I filed some injury claims with Aflac as I had done before and they are trying to not pay on my claim even though they are covered in my policyCiting that they need CMS or UB-04's.I called Aflac because I had never heard of those and didn't know what they wereI spoke with a representatives she explained what they were and told me that myself or the auditor can request themI went on ahead and have reached out to the three different billing companies for the injuries that I filed a claim on and they stated that they do not provide those to patients and that they only give those to the billing insurance companiesThey also stated that they do not put on letter heads about why they do not provide cms they said it is not apart of their protocolI called Aflac and spoke to a representative and told her what they said and pro
1)Non-Payment of a short-term disability claim 2)Misinformation when I've inquired the status of the claim 3)Requiring new information unprecedented
I am a independent contractor, working for myself, which is what I stated when I applied for my Short-Term Disability policy and was granted in At that time, I was with a *** company, licensed and hanging my license under that firm I was assigned as the contact for that company for others who obtained their policies, who also hung their licenses under that companyThe other policy holders who obtained a policy while at that firm no longer have a policy that was obtained when at that *** companyI am the only one nowI have done work, this year, as an independent contractor, for an agent who works at that firmAs a Independent Contractor, I work for various individuals and I am paid by various individuals
I have paid for my premiums myself from the onset of the policy
In October of 2016, I filed
Paying insurance premium for hospitalization coverage.Unable to recieve benefit.Constantly requesting information previously sent or new info
Purchased insurance policy for hospitalAdmitted in February unable to receive benefit as promisedConstant request to resend information or provide new informationPremiums have been paid, Expect benefit
Terrible company period ! they take your money each week and will not pay claims and lie straight to your face ! stay away from this company is my advise
AFLAC advertisements and presentations are deceptiveThey do not state that you must see a medical professional within hours of your accident or your coverage is voidedMy wife fell over a bike in our yard and suffered multiples aches and painsOnly after all of her other injuries healed did she notice that her shoulder wasn't getting betterOnce she realized she was actually injured she had her shoulder examined by a physicianShe eventually went through both rehab and surgery-neither of which AFLAC covered since we missed the hour windowWe appealed, they denied a 2nd timeWe filed a complaint with *** *** and they posted their patented "please contact us so we can resolve this" responseWe contacted-they did not respondAt allMy employer has since stopped doing business with AFLAC and replaced them with one of their competitorsGood riddance
New born child not covered when told they would cover it for days
When I Signed up for Aflac Hospitality I was told that my newborn child would be covered for daysI live in Indiana which is automatic stateI called them to confirm this before the birth of my Child and they told me to send over proof of lifeAfterwards the birth I sent in documentation and they said I would have to fill out an application firstFilled out application for my new childNow they are saying that because the agent that sold my employer the insurance is not from Indiana they will not cover it
I joined AFLAC year and a half ago I have been paying the accident protection I finally got an accident and they said I had no coverage
At this time I'm pretty upset and I would like a full refund from AFLAC considering I paid them and they said I do not have any coverage I paid a year and a half I have not had to use them in that for year and a half and when it came time to finally needing them they said I did not even have coverage and that the money that I had paid out of my paycheck did not even get to them I want my money backAnd I do not want to use AFLAC anymore
The representative did not follow procedure when I cancelled my policyI was not billed for a whole year and then all of a sudden money is taken out of my paycheck for a policy that I CANCELLED a YEAR earlierI contacted him and of course was given excuses...this was in SeptemberI continued to email/call until December, and then his supervisor got involved and I did not hear from him againHe lied to me EVERYSINGLETIMEIt is now January and I am still working to get my money backThey took it from me like nothing, but want me, and our payroll person, to jump through hoops to get it backI sent my pay stub that shows it was taken out but they apparently need moreWhy do you need more than that? You didn't need anything to TAKE MY MONEYThey are all either incompetent or devious or bothSTAY AWAY FROM AFLAC!
I don't recommend getting the hospital policy All we have gotten is the run around I don't feel we are going to get out $$ even after we have sent everything in
Aflac will not pay out our claim, properlyWith much communication, after months, still nothing finalized
on 2/23/my daughter, who is a dependent under the Aflac accident insurance plan, had suffered a head injury while at schoolShe was taken to doctor, who direct admitted her to a hospital in cape Girardeau for testing, and treatmentI drove her there, miles to hospitalwe went to her room, they did CT of her head, and an XRAY of her armThey paid out for both of those, with much frustrationHowever, they have not, and seem to be pushing this off, the hospital stay and transportation allowancePer the Aflac insurance manual, it reads paying $for any hospital admission hours or greater; she was admitted for over hours, which I provided documentation, several times, with confirmation receivedThey have not paid the travel allowance eitherThis reads within my Aflac coverage manual being $600, for greater that miles distance, as I noted it was m
Absolutely Awful Company with highly deceptive advertising and BOLD lying!
On the Aflac Accident Policy website, they advertise that a person breaking their leg, going to the hospital via ambulance, being admitted, having surgery and getting a cast on the leg gets $the very next dayWhat a total load of Baloney!! If you added up all the benefits for each item, it adds up to less than $for this fictional personAnd getting it the next day? I'm rolling on the floor laughingIt takes months
weeks ago, I broke several limbs, was transported to the E.Rvia ambulance, was admitted, spent the night, had two surgeries, forty x-rays, metal casts, follow up doctors visits and on and on and onI have received a grand total of about $and even that was a month long fight as they refused to recognize that I spent the night claiming billing codes were confusing themYeah rightAnd this was even after the hospital and doctors both told them as muchAflac realized I wasn't going away and finally paidThe payout to premium ratio isn't in your favorBelieve meAVOID THIS TOTAL JOKE!!
So far my experience with Aflac has been terribleGranted I have been with them for little under a year, in my time of need this insurance company has failed me, and continues to do soAfter submitting a claim for a common surgical procedure that kept me out of work for about weeks, I filed a short term disability claimI had expectations, hence their commercials and promises that I would have some money arriving in time to take care of the billsThen you find out that you don't qualify for their "One Day Pay" because, wellYou make up some excuse; it is basically the same thing Aflac did
Like most of us, I live pay check to pay check, so you can imagine how missing weeks of pay would definitely have had an impact on my financial situation
After clearly submitting my claim under the "Short Term Disability" claim link, (which by the way their website is terrible as wellIt is almost designed to not work half the timeI had a hard time getting these links to workJust today 1/24/I was trying to "Upload" yet another document (my W-2's) and the link was not working properly.), and faxing itI received a letter saying that Aflac would not cover me because this wasn't an "Accident"I obviously found that weird so I decided to contact Aflac and try and figure out why I was receiving this letter
After speaking with a representative, and basically being falsely accused of improperly filing the claimI was able to get the representative to refile it under the correct claim sectionThis honestly is such bullI filed it onlineThere are two separate links to file your "Accident" claim and "Short Term Disability" claimOn top of that, right on the application they make you fill out what policy/s you have or are usingI had check marked the boxes that read "Accidental Policy"/ "Short Term Disability"(Which was my mistakeBut in my defense I have both policies and it wasn't clearly stated which one they wantedI just thought you checked bothRegardless both were checked.) I just can't accept that this claim was misfiled by the system and/or manually misfiled by their claims handlersBut let's give them the benefit of the doubt
Fast forward a few weeks, still no movementSo here I go, I begin calling more frequently, getting the run around being told I needed to submit this and that document now my W-2's that I didn't need before now were needed etcAlso, when I chose my policy it was my understanding that my rate was based on the amount I chose from their table rates of what you thought you made a yearThey're supposed to base your benefits of off the rate you picked.....At least that was the explanation when I bought the policyNope!!! These documents needed business days to be reviewed.....***??? Seriously? It got to the point to where I called pretty heated and began to take it out on Miss ***, this representative decided to hang up on me
So, I called back to report the incident and see if I could have my case escalated, spoke with a different representative who informed me that now they had sent out to my doctor a "Doctor Questioner" and where waiting for this back?!?! I ask what type of questioner, they respond, "It's to check on if you have had a preexisting condition/s regarding the matter I was claimingI didn't realize that they had exemptions if you happen to have had some issues that may have been related to your current issue in order to disqualify you from receiving the benefit that they are charging you for every pay period
At this point I ask to have my matter escalated to a managerWho promised me that he/they would keep me informed and would move this thing alongThat happened for about a weekTwo weeks later I received another letter saying they are closing my claim because they never received this frigging questioner backAfter a day and a half I had the medical clinician from my doctor's office speaking to an Aflac rep on three way
I literally have done more for my own claim than what Aflac has done the entire like 5-months this has been going onThey finally receive this questioner on the 12th it is now the 24thStill, no wordI call back, on the 23rd they inform me that they have supposedly sent out on the 22nd a letter asking for now my w2'sAgain, why would they have you pick out a rate to pay monthly based on a rate of a benefit of your choosing and then switch it around to try and tell me you're going to base it off of what I make a year not the rate I've been paying for every month? *** is that? So, I get home try to upload this documentNo luck, the link is no good*** you Aflac!!!!
So I still don't know if I am approved, will get any benefit/s or know if this matter will be resolved next week or in two monthsThey are still asking for more documentation and by the way, since this happened months ago, I've been back to workI will update this with the end resultI am truly disappointed in the services and cust
The customer service waits are long...the representatives are not really informed The and the advertisement of one day claim pay or quick pay is not what you really need there service for stdI've been off a total of almost weeks and won't receive any money even a decision till I go back to workWhich is not goodand they don't seem to Care
Horrible company and worst customer service ever! Have accident policy for myself and my husband with them and have had to speak with at least 4-different reps and gotten almost nowhere after being on hold, cumulatively, for hoursI have explained to all of the people I have spoken to that I have been unable to get an itemized hospital bill OR UBform from hospital's emergency room where my husband was first treated for his injury in APRIL, which is holding up the rest of the claim processing Even though forms were filled it out with a regular blue ink pen and scanned in pdf format, Aflac is claiming they're "illegible" but no one from Aflac advised me that it was supposedly "illegible" until I called them and have resubmitted several timesSo frustrated that I can't get the benefits of my policy which I paid into for the last few years
Claim XXXXXXX denied because they stated it was an illness code which it was NOT so I went the doctor and he said it's not an illness so he put another injury code and they declined that claimThis company is about making money off of honest people's misfortuneSTAY FAR AWAYIM GETTING AN ATTORNEY AND WILL STSRT A CLASS ACTIONAFLAC HAS *** TOO MANY PEOPLEMY DAUGHTER HAS *** and I'm out of work and can't afgord her suppliesIf something happens to her it's going to be uglyMy attorney said we have options
I started with the disability policy in September While signing up with my Aflac Representative I informed her that I was taking out this policy for the maternity benefits I informed her that we were actively trying to have a baby at the time, but that I was not currently pregnant I asked her if I would be covered by the Aflac disability benefits if I were to become pregnant the following month of September, which would be when my policy would go into effect She informed me that yes I would be covered I ended up getting pregnant in September and carried on with my Aflac Insurance
When I was about months pregnant I was looking through my benefit package and noticed that I would only be covered if my due date was ten months after beginning my policy I called my Aflac Representative to ask her about this I informed her that I was pregnant and that my due date was May 25th I told her that I had noticed that I was required to have a due date months after the beginning of my policy and that I would not be months out and that I was going to cancel my policy if I was not covered She reassured me that I would still be coveredAfter having my baby I entered a claim to my policy My claim was denied I informed Jamie that it was denied and she again reassured me that it should not have been denied and that she would figure out what was going on She then had me enter an appeal for my claim It was again denied for the same reason, I was not due months after my policy beganI would never have gotten the short term disability insurance through your company had I not been reassured multiple times by my Aflac Representative
I have called my rep and she will not call me back She said that she put in to have my premium refunded and when I called Aflac they told me that she had called and requested but was told that she needed to send in a letter and that she had never followed through with sending a letter I sent in my own letter
I understand that I should have looked into the policy more, but when I signed up I was given no paperwork that I could read through, only her continuous reassurances that I would receive a payout kept me in this policy I have requested a refund of my premium It has been a month and a half since requesting I have been told they would make a decision days from their receiving my letter Each person I talk to at Aflac has given me a different story I am at my wits end with this company and would never recommend them to any one Their customer service is a joke They will not give me any information over the phone and just keep saying that they will send me a letter in the mail I receive the letters around days after the conversations and they are generic letters that give me zero answers
Too bad I could not leave this company with a zero star review
*** stole $and would not return
I have been getting ran aroundon a claim that I have filed and previous claims based on documents that I have submitted as requested
I was denied an accident claim for February of for an accident that my husband sustained due to them also diagnosing him with carpal tunnel while they were still figuring out the damage to his armThey denied it based on the office notes that I submittedOnce my husband had his surgery I submitted the operative note that they requested and was told that it would be business days before I would hear something for the hospital policy that I have with thembusiness days later I am STILL getting jerked around and I can't get a straight answer from anyone when I callI have called every day the week of April 24th without any satisfactionI have demanded to talk to supervisors and was hung up on instead of getting to speak to a supervisorI asked repeatedly how the office notes that I submitted for the denied accident claims were good eno
This company is a scam Been paying for over years on this policy They cheat you when you actually do file a claim Their customer service is horrible, called everyday and didn't get anywhere This company is the absolute worst everWish I never got this policy Such a waste Even tried to file a complaint against them but was told they don't handle any complaints against insurance companies Not sure why I see others listed on the page but they didn't accept mine Don't waste your money on any of their policies because they are liars and cheats
I Aflac accidental policy and injured my foot/toe while on vacation 7/22, pain, swelling, difficulty walking on it became worse I went to *** on 8/1and I had a fractured to Submitted claim, they paid for the fracture but denied m office visit because I didn't go within hour As I stated to Aflac, number I called to see if it was covered, they stated the fracture and office visit is covered I told them I was away on vacation and did not get it checked right, the girl states it was covered, nope denied with a letter stating I didn't get help within I explained to them that I never received what was what wasn't covered and any stipulations and explained to them I was told it was coveredI filed an appeal and denied again I called and told them that I wanted what was, wasn't covered and again I received only certificate and Privacy policy which is what I received in the beginningFinally after several calls I finally get what's covered, one page says fracture benefit says if treated by a doctor within days and another page says within hours
They really need to get their stuff correct, so be cautious with Aflac