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
terrible customer service I have tried to get ahold of [redacted] for months, have left messages with her phone, sent emails, got ahold of corporate and no return calls or emailsI have been trying to cancel my policy, and I can not get ahold of anyone to do so
I have been trying to have my name removed from our policy since this past DecemberI have dealt with two women who keep telling me the deduction will be reduced the following paycheck of my husband'sI am still waitingI am tired of getting the runaround!
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 [redacted] TOO MANY PEOPLEMY DAUGHTER HAS [redacted] 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
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 have been a customer of Aflac since January I have Critical Care, Cancer, Short Term Disability and Hospital Indemnity Insurance policies with them.On January 26, I filed a claim for hospitalizations for my son in One of the claims paid successfully The other two are still in the pending statusI called when I saw that the claims had not all been paid to find out what was going on, and was told that the paperwork I submitted did not show clearly So I resent the itemized hospital bill (which) is what I was told was not legible and was then told by the representative that it was received and what she saw was legible and that she would be sending it over to the imaging departmentI called the next day to see if this had been completed and was told yet again that the paperwork could not be seenI again sent it to an agent and they said they would send it to imaging and that I should wait for them imaging department to upload about hours and then claims should b
My policy should have been canceled back in - no one ever followed up All these years I've been paying into something I believed was canceled and no one has ever bothered to see if I was alive, but they gladly took my money I do NOT work for Aflac, and obviously their only interest is this $$$$$$$$ Now I'm having a [redacted] of a time trying to get refunded!!! Not ONE Representative ever was concerned about questioning me and why claims haven't been filed all these years (because I was under the assumption it was canceled), and now they're telling me policy clearly states paperwork should have been filed OK, so I DON'T work for Aflac, should they not be responsible for inquiring with ME??? BILLION dollar company and they can't just do the right thing and refund me my money Greed
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
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 They do everything not to pay youYou pay them for years, then have an accident, surgery and are out of work and they deny deny deny You have to appeal and then they find every reason still, to not pay you Canceling after three years of being ripped off by them The commercials are total lies Very disappointed They don't even deserve one star There is no online way to check claims if you are part of a company (ridiculous)Customer service support is a joke Be prepared to be on hold and get switched over and over I even sent them my entire medical file so that there would be no questions, what a waste of my time Excuses excuses excuses I am reporting them to my company so that they drop them They tell you what you want to hear upon signing up and then when you need them, it's a different storyA joke I WISH THERE WAS A CLASS ACTION LAWSUIT BECAUSE I WOULD JOIN [redacted]
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? [redacted] is that? So, I get home try to upload this documentNo luck, the link is no good [redacted] 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
This company is the worst insurance company ever, we have been waiting a month from a response that a claim we filed in October, we keep getting the run aroundWe was suppose to get a response in days that was October 24, Needless to say they don't care!!!!
Unbelievable that this company falsely advertises that they will have your claim paid by next day and I after seven weeks haven't been paid my claim of $They keep lingering me with lies and liesShall be reporting them to the Insurance Commissioner on their negligence of paying my claim with excuses!!! I strongly suggest you NEVER buy their insurance services
My complaint is with the Auditor who is reviewing my claim and NOT DOING HER JOBCustomer Service will not tell me her name or let me speak with her I submitted a claim for short term disability and it was denied May 2, 2017, I requested the claim be reviewed a second time and submitted the proper paperwork On May 10, I was told the claim would be reviewed in hours May 11, the auditor requested additional info and my doctor provided it that same morning May 16, I called and was told the auditor had not yet reviewed the claim and I should call back in hours May I called and the claim had still not been reviewed I asked to speak with the auditor and was told that was not allowed and I couldn't even know her name The service rep confirmed the doctors notes had been received on the 11th and she emailed the auditor to request expedited review and then told me to call back in hours May 19, 8:22am my time, 11:22am their time, I was told the
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: [redacted] BANK ROUTING#XXXXXXXXX, ACCOUNT# [redacted] 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
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
Hospital Claim Still Outstanding After Months I originally enrolled in this plan effective 10/1/ On 11/16/2016, I saw my primary physician, Dr [redacted] XXX-XXX-XXXX for an inflamed sebaceous keratinous cyst on my lower back At that time, I was placed on antibiotics with a follon 11/21/ At that appointment, he referred me to a surgeon, Dr [redacted] for immediate surgery to be performed the same day The procedure was done in his surgical room of the surgeon's office to open up the cyst to drain the massive infection I submitted a claim for this procedure, but was denied Even though it was a surgical procedure, it was not performed in a hospital After allowing time for the infection to drain and the site to heal, a follow up appointment with the surgeon after the holidays indicated that surgery was required to remove the entire cyst, foreign body, and surrounding areas This surgery was performed on 2/8/in Peconic Bay Medical Center a h
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 Aflac accidental policy and injured my foot/toe while on vacation 7/22, pain, swelling, difficulty walking on it became worse I went to [redacted] 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
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
terrible customer service I have tried to get ahold of [redacted] for months, have left messages with her phone, sent emails, got ahold of corporate and no return calls or emailsI have been trying to cancel my policy, and I can not get ahold of anyone to do so
I have been trying to have my name removed from our policy since this past DecemberI have dealt with two women who keep telling me the deduction will be reduced the following paycheck of my husband'sI am still waitingI am tired of getting the runaround!
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 [redacted] TOO MANY PEOPLEMY DAUGHTER HAS [redacted] 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
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 have been a customer of Aflac since January I have Critical Care, Cancer, Short Term Disability and Hospital Indemnity Insurance policies with them.On January 26, I filed a claim for hospitalizations for my son in One of the claims paid successfully The other two are still in the pending statusI called when I saw that the claims had not all been paid to find out what was going on, and was told that the paperwork I submitted did not show clearly So I resent the itemized hospital bill (which) is what I was told was not legible and was then told by the representative that it was received and what she saw was legible and that she would be sending it over to the imaging departmentI called the next day to see if this had been completed and was told yet again that the paperwork could not be seenI again sent it to an agent and they said they would send it to imaging and that I should wait for them imaging department to upload about hours and then claims should b
My policy should have been canceled back in - no one ever followed up All these years I've been paying into something I believed was canceled and no one has ever bothered to see if I was alive, but they gladly took my money I do NOT work for Aflac, and obviously their only interest is this $$$$$$$$ Now I'm having a [redacted] of a time trying to get refunded!!! Not ONE Representative ever was concerned about questioning me and why claims haven't been filed all these years (because I was under the assumption it was canceled), and now they're telling me policy clearly states paperwork should have been filed OK, so I DON'T work for Aflac, should they not be responsible for inquiring with ME??? BILLION dollar company and they can't just do the right thing and refund me my money Greed
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
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 They do everything not to pay youYou pay them for years, then have an accident, surgery and are out of work and they deny deny deny You have to appeal and then they find every reason still, to not pay you Canceling after three years of being ripped off by them The commercials are total lies Very disappointed They don't even deserve one star There is no online way to check claims if you are part of a company (ridiculous)Customer service support is a joke Be prepared to be on hold and get switched over and over I even sent them my entire medical file so that there would be no questions, what a waste of my time Excuses excuses excuses I am reporting them to my company so that they drop them They tell you what you want to hear upon signing up and then when you need them, it's a different storyA joke I WISH THERE WAS A CLASS ACTION LAWSUIT BECAUSE I WOULD JOIN [redacted]
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? [redacted] is that? So, I get home try to upload this documentNo luck, the link is no good [redacted] 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
This company is the worst insurance company ever, we have been waiting a month from a response that a claim we filed in October, we keep getting the run aroundWe was suppose to get a response in days that was October 24, Needless to say they don't care!!!!
Unbelievable that this company falsely advertises that they will have your claim paid by next day and I after seven weeks haven't been paid my claim of $They keep lingering me with lies and liesShall be reporting them to the Insurance Commissioner on their negligence of paying my claim with excuses!!! I strongly suggest you NEVER buy their insurance services
My complaint is with the Auditor who is reviewing my claim and NOT DOING HER JOBCustomer Service will not tell me her name or let me speak with her I submitted a claim for short term disability and it was denied May 2, 2017, I requested the claim be reviewed a second time and submitted the proper paperwork On May 10, I was told the claim would be reviewed in hours May 11, the auditor requested additional info and my doctor provided it that same morning May 16, I called and was told the auditor had not yet reviewed the claim and I should call back in hours May I called and the claim had still not been reviewed I asked to speak with the auditor and was told that was not allowed and I couldn't even know her name The service rep confirmed the doctors notes had been received on the 11th and she emailed the auditor to request expedited review and then told me to call back in hours May 19, 8:22am my time, 11:22am their time, I was told the
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: [redacted] BANK ROUTING#XXXXXXXXX, ACCOUNT# [redacted] 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
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
Most claims pay in a couple of daysA pure liePay for coverage and then fight to get paidNot worth itA scam at best
Hospital Claim Still Outstanding After Months I originally enrolled in this plan effective 10/1/ On 11/16/2016, I saw my primary physician, Dr [redacted] XXX-XXX-XXXX for an inflamed sebaceous keratinous cyst on my lower back At that time, I was placed on antibiotics with a follon 11/21/ At that appointment, he referred me to a surgeon, Dr [redacted] for immediate surgery to be performed the same day The procedure was done in his surgical room of the surgeon's office to open up the cyst to drain the massive infection I submitted a claim for this procedure, but was denied Even though it was a surgical procedure, it was not performed in a hospital After allowing time for the infection to drain and the site to heal, a follow up appointment with the surgeon after the holidays indicated that surgery was required to remove the entire cyst, foreign body, and surrounding areas This surgery was performed on 2/8/in Peconic Bay Medical Center a h
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 Aflac accidental policy and injured my foot/toe while on vacation 7/22, pain, swelling, difficulty walking on it became worse I went to [redacted] 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