Run away from them as fast as you can! My husband and I have a policy with AflacWe were in a car accident, and submitted a claim on our policiesI submitted everythingAfter not hearing anything for a while, we made multiple attempts to contact our agent, all which failedShe never tried to get back to usI submitted a request for help to the websiteWhen we finally received a response it was that they needed the police reportIt had already submitted it, but I sent it again, via mail as they couldn't take another upload to the site for whatever reasonWhen we finally received a response on that it was that they needed a legible police reportThe copy I sent is legible, and far better than the originalThis is just another tactic to not pay on a claimFrom my experience they will do anything possible to not pay a claimForget the one day pay out or any payment at all from what I have seenI would recommend staying away from this company and never getting a policyIn my opinion it's a waste of money and a scam!
I have been an AFlac customer, with policies, for over yearsI first used a policy this last year,and received notice of cancellation last month
I have been paying Aflac $monthly since for policies; Cancer, Short term disability and Hospitalization I carried the policies between 2002-as wellI became very ill last April and my dr suggested I use the SD policy ($1000/month)Aflac made it very difficult, but with enough calls/faxes/letters, I was able to collect until 12/ I then received a letter of cancellation due to nonpayment Aflac claimed that I was months past due? I immediately faxed and mailed bank statements (twice) I called countless times, as I had a hospitalization claim in at the time (still do), and each rep denied getting the letters They now ignore all my calls, have never explained how they are coming up with these figures, and my claim has been ignored, although my last check was cashed (Jan 2018)
Cancelled policy several months ago but Aflac continues to deduct premiums Called to cancel again today sat on hold for over minutes without being able to talk to a representative No way to contact corporate and I am very disappointed with lack of service and resolution I expect a resolution and a refund
Aflac is extremely easy to enroll, but completely impossible to be granted a claimI have been denied again and again due to "pre-existing conditions." Even after speaking to a large number of different representative with Aflac, they still have not made it clear what time period applies with a pre-existing conditionAlso, every time I speak with anyone, they tell me I will receive a call, I have NEVER received a call from anyone from Aflac
I have strong doubts that my condition falls under pre-existing
I first enrolled in Aflac in October Open Enrollment through my employerThis month I turn XX years oldI feel I am good healthUnder the definition of pre-existing, at my age in life, there will not be anything I could be approved for a claim, everything would be a pre-existing conditionNow another season of Open Enrollment has passed by, due to IRS rules, I am forced to pay premiums for a policy that will never cover anything I might encounter
If I knew now that Aflac would never cover any of my future conditions, I would have never enrolled with Aflac
Aflac is a complete SCAM, with all these negative reviews, I am surprised they are allowed to remain in businessI have voiced my concerns to me HR Department in hope they will drop Aflac
HORRIBLEMy husband and I have a policy for Hospital IndemnityWe checked several times with my husband's HR department, they kept saying we have to get the policy number from Aflec, but Aflec says they have no record of usI spent hrs on the phone with them today, they refused to let me speak with any management or supervisor regarding my issueI'm recovering from surgery and need to file my claim and this has been a horrible experienceDo not trust them
I have a policy through Aflac and became very sickI contacted my agent and a claim was startedI have been waiting for the company to issue my short term disability check and was told to wait the to daysI have been in contact with my agent about this and he assured me that Aflac will get this settled quicklyI even signed up for direct deposit hoping it would go through fasterI called the company this morning and was told my claim was kicked out of the systemI asked why and was told it wad kicked out because the claim was filed within the day periodI was never told about this on the illness part of my policy, only on the injury partHow is a person, that was as sick as I was, put an illness on hold and wait for the day mark? I was out for solid weeks, Dr excuse too, I missed these weeks of work and now I get nothing! I am filing this complaint against Aflac for a lot of missing information about my policy and for not contacting me that my claim won't be issue
Denied legitimate claim over and over, paperwork shuffle and word gamesminutes to hour and a half wait time for response from phone callsNo customer service, cancelling policies
VERBALLY INFORMED THAT POLICY WAS CANCELLED & NOT NOTIFIEDPAYROLL DIRECT DEPOSIT CONTINUE TO BE PAID TO AFLAC PRIOR TO VERBAL NOTIFICATION
FROM AUG-DEC 2013, HAD US GOVT PAYROLL DIRECT DEPOSIT TO AFLAC USING AFLAC BANKING INFO: *** BANK ROUTING#XXXXXXXXX, ACCOUNT#***TRANSFER TO DIFF DEPT IN AUG 2016, HAD TO SETUP PAYROLL DEDUCTION AGAINTRANSFER TO CONTRACTOR POSITION IN JAN 2017, SETUP DIRECT DEPOSIT AGAINCALLED AFLAC IN MARCH 2017, FOR VERIFICATION OF RECEIPT OF FUNDS FROM FEB TO CURRENTIN 2017, AFLAC RECV $153, DIRECT DEPOSIT FOR $ON FEB 28, MARCH 15, MARCH VERIFIED BY PAYROLL DEPTWAS INFORMED BY CUSTOMER REP THAT MY POLICY WAS CANCELLED IN AUG 2016, HOWEVER LAST PAYMT RECV WAS IN OCT REPLIED THAT AFLAC IS CURRENTLY RECV FUNDS VIA DIRECT DEPOSIT CURRENTLY & WHY AFAC DID NOT SEND OUT A NOTICE OF CANCELLATION TO MY HOME? REP COULD NOT ANSWER & TRANSFER CALL TO DIFF REPAFTER SPEAKING W SEVERAL REPS, NOTHING WAS RESOLVED & WAS TOLD TO CONTACT LOCAL R
Worst company EVERCustomer service employees are blatant liarsHave had my short term disability claim for nearly weeksEvery medical record there is has been sent to them, but aren't good enough because there is nothing in there for them to deny meSo they just keep stalling claiming they need more records when there is no more to provide
I wouldn't give them one star I have been getting the "we didn't receive that fax" for the past monthI broke my arm on Labor Day, and I'm still waiting for a disability check!
Cancelled my policies as of 10/01/account was being paid via automatic deductions from pay check,company has failed too notify my employer that I no longer have their services so that the deductions can stop so as of 11/30/I'm still having deductions taken out of pay check being paid to Aflac because they have failed to contact employer which is only way that employer can stop deductions if Aflac contacts them personally.I have reached out to Aflac every week since 10/24/and have yet to see results.Contacted employer on 11/29/and they say they have not heard from Aflac on my behalf
I had a baby in August and called Aflac to ask if the policy I paid for for months covered the deliveryThe first person I spoke with on November 20th looked up my policy using my employee numberI had asked specifically if my plan covered my C sectionShe told me it did and told me what forms I needed to sendI ran all over the city and spent all day on the phone trying to get the documents needed for the claim and faxed them throughI spoke to several people over the course of a week who all asked for my number to access my policy, looked at my forms which I had submitted and told me what I still needed to complete the claimOne person told me I needed an admit diagnosis code after sending pages of all the codes from my admission so I called medical records at my hospital who did not understand what I was asking forI called Aflac back minutes later to ask exactly what it was that I needed where they again looked up my policy and looked over my paperworkThis person told me I didn't need anything else that what I provided was sufficient enoughI called on December 5th and asked about the status on my claim yet again and was told it would be processed by midnightI call again on December 6th and they tell me my claim was not approved because my policy didn't cover the deliveryI spoke to several people over the course of a week and was told that my policy did cover delivery and never once was told there was any issues with my claim and policyI am very upset because I would think with providing my personal information to look up my policy and having a couple people go through the forms I submitted to ensure I wasn't missing anything, I would have been told at some point in the beginning that it wasn't covered under my policy so I wouldn't have wasted my time gathering documents
AFLAC phone system states over an hour wait times and I've waited up to hours before to reach customer service before hanging upI've filed a claim that was coded as illness which has a day period and the claim was for an accident that I have day period and have filed an appealThe overall AFLAC service needs an overhall as they are taking our money and not assisting us in our claims
Product_Or_Service: Disability Insurance
Account_Number: XXXXXXXX
claims disappear off of website without any explanation
I have been with this company for over years in the past weeks I have had to accident claims that I have filed just disappear off of the "claims" part of the websiteThere hasn't been any review of the claim, it is just disappearswhen I call I am told that they never received the claim and to re submit itI have done this with the same results
I changed my Aflac policies to my employer 1/1/2017, I found that Aflac was still billing my credit cardI contacted the agent and the company with no resultsAflac agents work on commission and don't seem to communicate with other sections of the companiesI canceled all my accounts 1/1/they are still billing my credit cardThere is no way to change my credit card information on their web siteThere is one gentleman I am working with now that I am hoping can resolve my issues so I don't need to take further actions
Total scam companyAfter Years of paying for their policies, the one time I applied for help on my short term disability, I was declinedNumerous documents provided to them and even from my primary DoctorAlways Declined
Always an excuse why they would not pay and always given the run aroundWhen things got more complex I never received a call back from my local RepEven after numerous calls
Save your money and get a better medical plan
I am not being helped and not getting my claim for my daughter who had to get stitches from a dog bite
I have paid Aflac for two years at dollars a week which equals $3,I have never used the service until this July my daughter had to go to the hospital and get to stitches from a dog biteI filed the claim and still to this day which is now 9/17/they are wanting more and more information which I provided them everything the hospital will give meWhich is a detailed invoice that they send to every other insurance company with the Attending physician's name and everything that was doneNow they are wanting a diagnosis report which I explained to them that it was a dog bite and she had to have stitches that was the diagnosisI have provided them with a lot of my own money to me almost thousand dollars is a lot of money and then to pay a claim out of almost $dollars I have to do all the work with talking to the hospital and doctors is not worth itThis i
DUE TO SOMEONE'S MISTAKE AT AFLAC, I HAVE NOT RECEIVED MY FULL DISABILITY BENEFITSI WAS TOLD TO BE PATIENTBUT IT HAS BEEN OVER MONTHS WAIT NOW
I PURCHASED VARIOUS AFLAC INSURANCE THRU MY JOB IN (CANCER, LIFE, DISABILITY, ETC)
IN I WAS REAR ENDED BADLY, IN A CAR ACCIDENT, AFLAC REIMBURSED ME FOR THE ACCIDENT BENEFITS NO PROBLEMBUT I RECENTLY HAD TO HAVE SHOULDER SURGERY DUE TO THE NEVER ENDING PAINI DOUBLED CHECKED MY DISABILITY BENEFITS WITH MY REP, AND SHE VERIFIED EVERYTHING WAS GOOD TO GO,SO I SENT ALL REQUIRED PAPERWORK DAY BEFORE MY SURGERYFIRST MISTAKE FROM AFLAC: THEY DEDUCTED DAYS FROM MY PAY, STATING THIS WAS NOT DUE TO ACCIDENT, SO I SUBMITTED DOCTORS LETTER CONFIRMING THIS WAS IN FACT DUE TO AN ACCIDENTTHEY NEVER CORRECTED IT
2ND MISTAKE: THEN AFLAC ALSO DENIED THE REMAINING OF MY BENEFITS STATING I WAS NOT COVEREDMY REP EXPLAINED TO ME THAT DUE TO SOMEONE MAKING A MISTAKE IN THEIR OFFICE (CREATING A DOUBLE POLICY#, AND THEN DELETING THE
BEWARE DO NOT INVEST IN AFLAC THEY DO NOT PAY I HAVE PAYED OVER YEARS YEARSSSSSSS WITHOUT ONE ACCIDENT I NEED THEM NOW I FELL HAD EMERGENCY BACK SURGERY DENY DENY DENY THATS ALL THEY R GOOD FOR I WORK FOR *** IN *** I WILL LET ALL MY COWORKERS AND BIG BOSSES AWARE THEY REFUSE TO PAY ME A CENT AFTER ALL THE MEDICAL INFORMATION WAS SENT BY MY SURGEON ALL 3,PEOPLE WILL KNOW I WILL TELL EVERY SINGLE OPERSON I COME INTO CONTACT DO NOT GET AFLAC DO NOT GET AFLAC SUCH A SHAME HUGE SCAM !TAKING INNOCENT HARD WORKING PEOPLE MONEY YOUR COMPANY IS A JOKE THIEVES YOU SHOULD ALL BE ARRESTED!
Run away from them as fast as you can! My husband and I have a policy with AflacWe were in a car accident, and submitted a claim on our policiesI submitted everythingAfter not hearing anything for a while, we made multiple attempts to contact our agent, all which failedShe never tried to get back to usI submitted a request for help to the websiteWhen we finally received a response it was that they needed the police reportIt had already submitted it, but I sent it again, via mail as they couldn't take another upload to the site for whatever reasonWhen we finally received a response on that it was that they needed a legible police reportThe copy I sent is legible, and far better than the originalThis is just another tactic to not pay on a claimFrom my experience they will do anything possible to not pay a claimForget the one day pay out or any payment at all from what I have seenI would recommend staying away from this company and never getting a policyIn my opinion it's a waste of money and a scam!
I have been an AFlac customer, with policies, for over yearsI first used a policy this last year,and received notice of cancellation last month
I have been paying Aflac $monthly since for policies; Cancer, Short term disability and Hospitalization I carried the policies between 2002-as wellI became very ill last April and my dr suggested I use the SD policy ($1000/month)Aflac made it very difficult, but with enough calls/faxes/letters, I was able to collect until 12/ I then received a letter of cancellation due to nonpayment Aflac claimed that I was months past due? I immediately faxed and mailed bank statements (twice) I called countless times, as I had a hospitalization claim in at the time (still do), and each rep denied getting the letters They now ignore all my calls, have never explained how they are coming up with these figures, and my claim has been ignored, although my last check was cashed (Jan 2018)
Cancelled policy several months ago but Aflac continues to deduct premiums Called to cancel again today sat on hold for over minutes without being able to talk to a representative No way to contact corporate and I am very disappointed with lack of service and resolution I expect a resolution and a refund
Aflac is extremely easy to enroll, but completely impossible to be granted a claimI have been denied again and again due to "pre-existing conditions." Even after speaking to a large number of different representative with Aflac, they still have not made it clear what time period applies with a pre-existing conditionAlso, every time I speak with anyone, they tell me I will receive a call, I have NEVER received a call from anyone from Aflac
I have strong doubts that my condition falls under pre-existing
I first enrolled in Aflac in October Open Enrollment through my employerThis month I turn XX years oldI feel I am good healthUnder the definition of pre-existing, at my age in life, there will not be anything I could be approved for a claim, everything would be a pre-existing conditionNow another season of Open Enrollment has passed by, due to IRS rules, I am forced to pay premiums for a policy that will never cover anything I might encounter
If I knew now that Aflac would never cover any of my future conditions, I would have never enrolled with Aflac
Aflac is a complete SCAM, with all these negative reviews, I am surprised they are allowed to remain in businessI have voiced my concerns to me HR Department in hope they will drop Aflac
HORRIBLEMy husband and I have a policy for Hospital IndemnityWe checked several times with my husband's HR department, they kept saying we have to get the policy number from Aflec, but Aflec says they have no record of usI spent hrs on the phone with them today, they refused to let me speak with any management or supervisor regarding my issueI'm recovering from surgery and need to file my claim and this has been a horrible experienceDo not trust them
I have a policy through Aflac and became very sickI contacted my agent and a claim was startedI have been waiting for the company to issue my short term disability check and was told to wait the to daysI have been in contact with my agent about this and he assured me that Aflac will get this settled quicklyI even signed up for direct deposit hoping it would go through fasterI called the company this morning and was told my claim was kicked out of the systemI asked why and was told it wad kicked out because the claim was filed within the day periodI was never told about this on the illness part of my policy, only on the injury partHow is a person, that was as sick as I was, put an illness on hold and wait for the day mark? I was out for solid weeks, Dr excuse too, I missed these weeks of work and now I get nothing! I am filing this complaint against Aflac for a lot of missing information about my policy and for not contacting me that my claim won't be issue
Denied legitimate claim over and over, paperwork shuffle and word gamesminutes to hour and a half wait time for response from phone callsNo customer service, cancelling policies
VERBALLY INFORMED THAT POLICY WAS CANCELLED & NOT NOTIFIEDPAYROLL DIRECT DEPOSIT CONTINUE TO BE PAID TO AFLAC PRIOR TO VERBAL NOTIFICATION
FROM AUG-DEC 2013, HAD US GOVT PAYROLL DIRECT DEPOSIT TO AFLAC USING AFLAC BANKING INFO: *** BANK ROUTING#XXXXXXXXX, ACCOUNT#***TRANSFER TO DIFF DEPT IN AUG 2016, HAD TO SETUP PAYROLL DEDUCTION AGAINTRANSFER TO CONTRACTOR POSITION IN JAN 2017, SETUP DIRECT DEPOSIT AGAINCALLED AFLAC IN MARCH 2017, FOR VERIFICATION OF RECEIPT OF FUNDS FROM FEB TO CURRENTIN 2017, AFLAC RECV $153, DIRECT DEPOSIT FOR $ON FEB 28, MARCH 15, MARCH VERIFIED BY PAYROLL DEPTWAS INFORMED BY CUSTOMER REP THAT MY POLICY WAS CANCELLED IN AUG 2016, HOWEVER LAST PAYMT RECV WAS IN OCT REPLIED THAT AFLAC IS CURRENTLY RECV FUNDS VIA DIRECT DEPOSIT CURRENTLY & WHY AFAC DID NOT SEND OUT A NOTICE OF CANCELLATION TO MY HOME? REP COULD NOT ANSWER & TRANSFER CALL TO DIFF REPAFTER SPEAKING W SEVERAL REPS, NOTHING WAS RESOLVED & WAS TOLD TO CONTACT LOCAL R
Worst company EVERCustomer service employees are blatant liarsHave had my short term disability claim for nearly weeksEvery medical record there is has been sent to them, but aren't good enough because there is nothing in there for them to deny meSo they just keep stalling claiming they need more records when there is no more to provide
I wouldn't give them one star I have been getting the "we didn't receive that fax" for the past monthI broke my arm on Labor Day, and I'm still waiting for a disability check!
Cancelled my policies as of 10/01/account was being paid via automatic deductions from pay check,company has failed too notify my employer that I no longer have their services so that the deductions can stop so as of 11/30/I'm still having deductions taken out of pay check being paid to Aflac because they have failed to contact employer which is only way that employer can stop deductions if Aflac contacts them personally.I have reached out to Aflac every week since 10/24/and have yet to see results.Contacted employer on 11/29/and they say they have not heard from Aflac on my behalf
I had a baby in August and called Aflac to ask if the policy I paid for for months covered the deliveryThe first person I spoke with on November 20th looked up my policy using my employee numberI had asked specifically if my plan covered my C sectionShe told me it did and told me what forms I needed to sendI ran all over the city and spent all day on the phone trying to get the documents needed for the claim and faxed them throughI spoke to several people over the course of a week who all asked for my number to access my policy, looked at my forms which I had submitted and told me what I still needed to complete the claimOne person told me I needed an admit diagnosis code after sending pages of all the codes from my admission so I called medical records at my hospital who did not understand what I was asking forI called Aflac back minutes later to ask exactly what it was that I needed where they again looked up my policy and looked over my paperworkThis person told me I didn't need anything else that what I provided was sufficient enoughI called on December 5th and asked about the status on my claim yet again and was told it would be processed by midnightI call again on December 6th and they tell me my claim was not approved because my policy didn't cover the deliveryI spoke to several people over the course of a week and was told that my policy did cover delivery and never once was told there was any issues with my claim and policyI am very upset because I would think with providing my personal information to look up my policy and having a couple people go through the forms I submitted to ensure I wasn't missing anything, I would have been told at some point in the beginning that it wasn't covered under my policy so I wouldn't have wasted my time gathering documents
AFLAC phone system states over an hour wait times and I've waited up to hours before to reach customer service before hanging upI've filed a claim that was coded as illness which has a day period and the claim was for an accident that I have day period and have filed an appealThe overall AFLAC service needs an overhall as they are taking our money and not assisting us in our claims
Product_Or_Service: Disability Insurance
Account_Number: XXXXXXXX
claims disappear off of website without any explanation
I have been with this company for over years in the past weeks I have had to accident claims that I have filed just disappear off of the "claims" part of the websiteThere hasn't been any review of the claim, it is just disappearswhen I call I am told that they never received the claim and to re submit itI have done this with the same results
Most claims pay in a couple of daysA pure liePay for coverage and then fight to get paidNot worth itA scam at best
I changed my Aflac policies to my employer 1/1/2017, I found that Aflac was still billing my credit cardI contacted the agent and the company with no resultsAflac agents work on commission and don't seem to communicate with other sections of the companiesI canceled all my accounts 1/1/they are still billing my credit cardThere is no way to change my credit card information on their web siteThere is one gentleman I am working with now that I am hoping can resolve my issues so I don't need to take further actions
Total scam companyAfter Years of paying for their policies, the one time I applied for help on my short term disability, I was declinedNumerous documents provided to them and even from my primary DoctorAlways Declined
Always an excuse why they would not pay and always given the run aroundWhen things got more complex I never received a call back from my local RepEven after numerous calls
Save your money and get a better medical plan
I am not being helped and not getting my claim for my daughter who had to get stitches from a dog bite
I have paid Aflac for two years at dollars a week which equals $3,I have never used the service until this July my daughter had to go to the hospital and get to stitches from a dog biteI filed the claim and still to this day which is now 9/17/they are wanting more and more information which I provided them everything the hospital will give meWhich is a detailed invoice that they send to every other insurance company with the Attending physician's name and everything that was doneNow they are wanting a diagnosis report which I explained to them that it was a dog bite and she had to have stitches that was the diagnosisI have provided them with a lot of my own money to me almost thousand dollars is a lot of money and then to pay a claim out of almost $dollars I have to do all the work with talking to the hospital and doctors is not worth itThis i
DUE TO SOMEONE'S MISTAKE AT AFLAC, I HAVE NOT RECEIVED MY FULL DISABILITY BENEFITSI WAS TOLD TO BE PATIENTBUT IT HAS BEEN OVER MONTHS WAIT NOW
I PURCHASED VARIOUS AFLAC INSURANCE THRU MY JOB IN (CANCER, LIFE, DISABILITY, ETC)
IN I WAS REAR ENDED BADLY, IN A CAR ACCIDENT, AFLAC REIMBURSED ME FOR THE ACCIDENT BENEFITS NO PROBLEMBUT I RECENTLY HAD TO HAVE SHOULDER SURGERY DUE TO THE NEVER ENDING PAINI DOUBLED CHECKED MY DISABILITY BENEFITS WITH MY REP, AND SHE VERIFIED EVERYTHING WAS GOOD TO GO,SO I SENT ALL REQUIRED PAPERWORK DAY BEFORE MY SURGERYFIRST MISTAKE FROM AFLAC: THEY DEDUCTED DAYS FROM MY PAY, STATING THIS WAS NOT DUE TO ACCIDENT, SO I SUBMITTED DOCTORS LETTER CONFIRMING THIS WAS IN FACT DUE TO AN ACCIDENTTHEY NEVER CORRECTED IT
2ND MISTAKE: THEN AFLAC ALSO DENIED THE REMAINING OF MY BENEFITS STATING I WAS NOT COVEREDMY REP EXPLAINED TO ME THAT DUE TO SOMEONE MAKING A MISTAKE IN THEIR OFFICE (CREATING A DOUBLE POLICY#, AND THEN DELETING THE
BEWARE DO NOT INVEST IN AFLAC THEY DO NOT PAY I HAVE PAYED OVER YEARS YEARSSSSSSS WITHOUT ONE ACCIDENT I NEED THEM NOW I FELL HAD EMERGENCY BACK SURGERY DENY DENY DENY THATS ALL THEY R GOOD FOR I WORK FOR *** IN *** I WILL LET ALL MY COWORKERS AND BIG BOSSES AWARE THEY REFUSE TO PAY ME A CENT AFTER ALL THE MEDICAL INFORMATION WAS SENT BY MY SURGEON ALL 3,PEOPLE WILL KNOW I WILL TELL EVERY SINGLE OPERSON I COME INTO CONTACT DO NOT GET AFLAC DO NOT GET AFLAC SUCH A SHAME HUGE SCAM !TAKING INNOCENT HARD WORKING PEOPLE MONEY YOUR COMPANY IS A JOKE THIEVES YOU SHOULD ALL BE ARRESTED!