Aflac
Reviews and Complaints

My wife was admitted into the ICU for the entire month of April and then to a rehab hospital for 2 weeks and required dialysis all that time and for months going forward. She was in cardiogenic shock and attached to bypass machines(ventilator, ECMO, CRRT, IABP while we waited for her body to recover. I thought that this would be, obviously, critical care. After filing my claim, in early June. I had to call every week to see what the progress was on the claim and was told they were escalating it and to call back next week. I was escalated 3 or 4 times. After finally speaking with a supervisor on my last call we have been denied. Even though there had been conversations about having my wife on a transplant list for a heart and kidneys because she recovered so well(thankfully) she doesn't qualify for assistance with her "non-critical illness"? If I had contacted them just a month earlier maybe they would cover her because her kidneys had yet to recover.

I had a partial nephrectomy due to a mass they found on my kidney and I filed a claim but they said since it wasn't found to be a spreading cancer tumor they don't cover that. I got aflac to cover situations like this. I got the accident and also critical illness and they wouldn't pay anything to me. I was hospitalized and had surgery to get it removed and was also out of work for 6 weeks to recover. They wouldn't even cover any of the hospital stay or anything. I am very VERY disappointed in aflac. They make billions of dollars and won't pay out on a claim because it ended up being a very rare carcinoma that isn't one that spreads cancer.

Cancelled disability policy pd 161153 at the end of April 2022 .was to keep eye coverage .PF168729 . billed in May for both policies figured must have cancelled too late . I retired may 13 from allegheny county emergency services and no longer need the disabilty coversge .but now the payment was taken again. From my checking account that caused a overdraft . I am retired and no longer need disability . and need my money returned

I had a claim a while back and I had spoke with the operator about how to deliver funds I spoke with operator not once but twice stating them to them clearly that I did not want my funds directly deposited and they assured me more than once that they would not be directly deposited and what had happened was my ex girl at the time or whatever I did not realize that she put me on a bank account and when the money was deposited she took every single dime there was after me clearly stating to the operator not once but twice to mail it and not to directly deposited it so I am without what should I do? I would like to have all recordings of interaction between me and The operators which I still do this day have not received or heard anything about I don't believe this is fair I even went to the extent of getting police report proving to Aflac that this had nothing to do with me or my doings and I'm still out $4,000 I don't think this is not even remotely Fair.it clearly shows on my bank statements of whose card did all the depositing and getting the money out of the account I need my money

I had a STD claim which I was, of course, denied. The case manager, Avonte Cooper, has been the most unprofessional and incompetent person I have dealt with. During my leave, she closed out many of my portal messages without responding and on her letters she did not include a direct contact number. She lied to me and stated that she sent my ADA form and Return to Work Form to my employer; however, after I contacted an HR representative and Health Benefits coordinator they confirmed Avonte never sent forms. Avonte confirmed, in the only message that she ever responded to, that she had sent forms to my employer and to this date I am unsure who she initially sent this confidential information to. I am also unsure if my employer should make a determination on ADA request forms. I have contacted the customer advocate line more than thrice and requested to speak to Avonte Cooper’s supervisor and have yet to receive a callback. Additionally, I sent a message on the portal and sent an online complaint form but no one has contacted me.

I recently reviewed my claim details online and Avonte denied the ADA portion of my claim but she never sent a letter to confirm this nor provide an explanation why it was denied. Aflac has the most unprofessional and incompetent case managers. I am in the process of appealing my claim denial with Jeffrey Jones which seems to be a lot more competent and intelligent than Avonte. I am hopeful he can review all information and resolve the claim by approving. This all could have been avoided if Avonte would of been more forthcoming with all forms, communications, and processes. She has been the main cause of stress and anxiety, during my return to work transitional phase. Her supervisor has not contacted me and it appears they reinforce Avonte’s maniacal way of operating.

I have been paying Aflac for multiple policies for 2 years, I went to start a claim and it said no coverage, I have spoken to multiple customer service representatives, Milka on 5-27-22, Tanya on 4-8-22, confirmed it with Sharney on 4-8-22, all stated my coverage is confirmed, but when I went to file a claim, it stated no coverage, I had set up initially for direct deductions out of my baking account, noticed it was not being taken out so I started calling and sent in 3 month payments at a time, each payment was confirmed by the customer service people every time as stated above

I paid in good faith for years for short term disability.

I fell ill to a disease and was unable to continue to do my work. It’s on going.

I filed 3 times and was denied each time.

The first two times Aflac indicated that I just needed to jump through the normal hoops.

On third attempt they declined claim based on that I’ve already been denied with no other recourse.

This company took and kept my money by telling me that they would insure a percentage of my wages should I succumb to disability. Then failing to honor their contracts.

I had serious back an neck injury at work few years ago had aflac work injury insurance an like many others they kept giving me the run around an still to this day ive yet to receive anything that was due, so now i'll be going to bbb to file a complaint, stay far away from this place, this was around 2014 in january 14th the date of injury an incident

My Husband and I have filed claims for both of us for several months and have not received our payments.

I have had all three forms filled out by the Employer, Dr, & each of us for each Claim and uploaded into the system with proof showing that it been received by the Aflac system. They're very own system; Only to hear from them that they don't have it. I have also sent the police Report 4 Times they as for from a Rear-ended Hit & Run that happened to us.

My Husband has 7 Claims, I have 5 Claims. That's $ needed to pay bills.

It has been a total disaster dealing with Aflac, My Rep has gone to bat for me on Several occasions and now she is no longer there. Due to the way they handle Business & the overload of Complaints was to much.

I have had so many issues from my payments being sent back, to policy being cancelled by accident, to Me being taken off & then put back on, my premium payment not applied to my premium; But to my Husbands. I can go on and on. Now, I want my $ and will Fight to get it.

I live in Arizona and have contacted the State Rep for Aflac who is Rude & didn't want to hear the Truth about the problems Aflac has.

I was admitted to the hospital after going in the hospital for a surgery. My surgery ended being cancelled because I ended up having a mild heart attack. I was admitted in the hospital for 3 days. Aflac is denying my claim because they claim the way i was billed by the hospital i was only in the hospital for observation and in the ER for 3 hours. on 2/16/22. Then in the hospital on 2/17//22 for 8 hrs and then in the hospital on 2/18/22 for another 8 hrs. They said it doesn't look like a 3 day stay. This is a bunch of bull. My paperwork clearly say i was admitted on 2/16/22 and discharged on 2/18//22. I emailed and faxed every possible document to support my clam and it keeps getting denied. I swear AFLAC is full of it and a complete joke.

They don't answer the phone or return emails. Their website says it won't let me file a claim. I have been a paying customer for years. The automated voice mail just goes in circles without ever putting me in touch with a representative. I have tried to file this claim online and on the phone. I have also tried their website chat with a rep link and I have emailed them several times without reply. The website says that I will get 24 hour access to speak with them, but that does not seem to be the case. I want to speak to a human being to sort it out and explain why the online form won't even let me put in my basic informantion or I want to cancel all three policies!

WTH Is going on with you people? My policy number is POC1G8L5. My claim has been denied AGAIN! My aflac agent said that you should be paying this claim. First you said The last SD claim paid on this policy was paid through the treatment date July 7, 2021. The first denied claim contained a beginning treatment date for both the employer and physician statement was October 20, 2021 through the next expected release date February 28, 2022. The second denied claim falls within this same range with a beginning treatment date January 4, 2022. In this case, the max benefits have been paid previously on claim# [protected]. For this reason no further benefits are due. This is not true. You only paid me for one week on that claim. Your policy reads Separate periods of Disability, resulting from the same or a related condition and not

separated by 180 days or more, (MINE IS) are considered a continuation of the prior Disability. Once

the maximum Total Disability Benefit Period has been paid, you will not be eligible for a new

Total Disability Benefit Period for Disability due to the same or a related condition, until 180 (It has been well over six months)

days after you: (1) have been released by a Physician from the prior Disability, (I Showed proof That I was released back to work last week in June 2021) I have pancreatic cancer and My oncologist does NOT want me going back to work till Mid April 2022. Mt Aflac agent sent them info and they looked at it again and you people only paid me for two weeks when I should have been paid for Three months. Please explain this.

I filed a hospital claim for spine surgery and I provided the necessary documents from the hospital (UB04) and I have not had any luck getting in touch with anyone at Aflac to find out why I am not getting any help with my claim. You can not talk to anyone, they divert you through the robo messenger advising you to go online to the web site and I have sent several emails and still no contact. If you request a call back you never get it so there is no way to communicate with Aflac. I am at a point now that I will contact the State of FLorida Insurance Commission to rattle their cage if I can not get any help elsewhere.

I received a tacit denial to my recent prostate biopsy procedure: meaning, I have a malignancy in my prostates, and had to under go the required biopsy for "Watchful Waiting". I had to pay a combined out of pocket cost to the facility and to my doctor, totaling over $1, 450.00. One of the instructions for filling the wellness claim form was to not sent receipts with the claim. I felt abandoned by Aflac when I received a check for $110.00 today, December 17, 2021. That is a tacit denial to my claim. I went for the second part of the procedure on Wednesday December 15, 2021 to have a chest x-ray, a cat scan and a bone scan. I had to pay $348.99 die the deductible and mailed in that claim on today Friday December 17, 2021. I will probably get only $10.00 for that. How could Aflac let me down like this?

Your claims service IS TERRIBLE. Calling is of no help at all. Play phone tag all day. Can't find chat.

AFLAC states that they issued a check (allegedly, I've never seen it or been provided with a check number or copy) on at least claim [protected] (4 policy claims submitted, 2 apparently paid). After contacting AFLAC by September 14, 2021 on the status of the claim, I was advised that: 1) It was improperly issued (death information of Stephanie was provided with the claim) 2) Sent to the wrong address (again, not following directions submitted with the claim; I am her husband and executor of her estate) 3) The check would be re-issued (though perhaps still to the estate) When I called in October for the status, I was told that the check was in the queue to re-issue the week of October 25th... Why it takes 45 days to re-issue a check is beyond me (and surely against Insurance Regulations). It's now November 11th and guess what - the check is not re-issued. Please do the following: 1) Re-issue the check as promised 2) Have a Vice President or higher contact me about this claim 3) I can be reached at 817.566.3713
preferred_resoultion : AFLAC honor the claim it has already paid but can't seem to pay properly...

I have Aflac supplemental insurance for over 3 years now I pay almost $30 weekly I have filed two claims just this past year one for my wellness visit that was denied three times and then finally accepted I received a $50 check that was not able to be cashed any where I was told I would receive a direct deposit it is over two weeks nothing my second claim filed same day as first is still denied for an injury with an er visit and X-rays I sent paperwork multiple times to multiple people first several times they stated they couldn't read it but when in the phone with them after they received it via email they state they can read it then it's denied they need further info they received the discharge summary what else they need they state a diagnosis code well geez look it up I am a nurse work in healthcare and I am definitely fully aware now that Aflac is a scam someone getting rich on someone else's dime I have never seen a company so hard to get thru to or get a straight answer I'm done with them I will keep my $30 a week and that duck can quack up someone else's paycheck

I have been on hold for the past hour. Have tried repeatedly to file a claim on line for the past week all to no avail. I was hospitalized and have been out of work for the past month.

My agent was able to help me get an online account in an attempt to file this claim... the process stops at 40%. This is my first time attempt to file a claim in the tow years I, have been paying for my policy.

I took the policy because my husband did home repairs for a living. Back in January 2020 My husband got injured and became paralyzed and has been in a wheelchair ever since. Back in April 5, 2021 my husband fell out of his wheelchair and had neck surgery while the policy was in effect. Now after months of run around Aflac doesn't want to pay the claim.

I sent Aflac every single document that they ask for just as I had done with the previous claims. His doctors in the billing department are fully aware of me obtaining information from his records that our insurance companies ask for. In the past they've paid out our claims to us they've obtain all documentation related to the injury.

Just recently Aflac has been putting us off by allowing the claim to exceed past 28 days by waiting that long for it to be in review so they can close out and deny it. (It's been over 4 weeks and the claim is still in review.) and for some reason they've been demanding that we sign over authorization to obtain my husband's records. My attorneys have advised against this because there are open court case legal proceedings with additional parties involved regarding my husbands accident in his medical records that does not pertain to Aflac whatsoever.

I uploaded multiple letters to Aflac when I filed the claim with these concerns that Aflac is already been notified of because the concern is that they are illegally requesting that you sign over authorization to disclose his medical history which is an extreme violation of HIPPA under this new condition. Aflac will not respond to me with what additional medical documents they need but yet they want to keep denying the claim instead of paying it out? JUST because we won't sign that form that I'm not comfortable signing?

Also Keep in mind Aflac has already paid for my husbands hospital stays in the past without any issue even though it's been difficult going back and forth with the hospital's billing department to get the documents that Aflac needed.

It is so unethical for a company to solicit a business, offer coverage, acccept premiums, then when a claim is filed, imply to the policy holder that they HAVE to have THEIR signed authorization form from the policy holder or the claim won't get paid. Honor policy holder's accident coverages in the contract and pay their claims! Ask for more documentation of treatment if that's needed. Request more information in his records RELATED TO AFLAC if that's what's needed. It is illegal to refuse to pay a claim to a policy holder and retaliate against the policy holder just because they are refusing to sign over their medical records. You guys have NEVER ASKED ME TO DO THIS IN THE PAST? What's changed? My husband and I have every right to protect our privacy under HIPPA.

Attached is the accident policy benefits due showing proof of the benefits my husband is eligible for, highlighted items of what's specifically listed in the policy of the benefits that Aflac is supposed to pay out to us, screen shots of Aflac wrongfully advertising their products and services on social media (which in my opinion shows that I've been deceived because Aflac does not do what they actually advertised), the facts of what Aflac stated in our contract agreement of what they do with our personal information, and me exercising my rights under HIPPA to refuse to sign that authorization form that they requested based on those conditions.

Here's to a long miserable road to recovering compensation for my injuries.

I injured my back at home, my employer carries aflac as their short term disability provider I was unable to work due to severe pain and the type of work I perform, I followed all my doctors instructions to the tee, called aflac to start the process of short term disability, was given very little information over phone by case manager tranishia kelly in fort lauderdale fl phone number 954-626-8283 at time time of call, who did a deplorable job as a case worker and should not even be employed as a case worker to say very least, she gave me attitude from the very first hello. Was eventually turned down for my claim of only two weeks pay, because of her fault of not giving me all information needed to complete my claim correctly, my wife and I before all this were considering obtaining aflac insurance, but now will never even consider it, and will do everything in our power to make sure everyone is informed of the terrible service I was provided by aflac, by posting this on social media over entire country, hopefully resulting in loss of revenue and hopefully closing of company as a whole, i'm sorry, but will not miss income, only very upset with terrible service provided by case worker and aflac as a whole. And will also be informing employer of terrible service I was provided by the company they chose as their provider. You have commercials on television saying how wonderful aflac is when in turn aflac only takes money but finds any loophole to not have to pay people who are hurting and need their pay. (not meaning myself) aflac is just another greedy company who steels from the needy for corporate greed. Nasty nasty company! Start date of claim 3/22/21 through 4/6/21, case number 00246951, and reason of injury was placing 24 lb grandson into crib resulting in bulging disc in lower back causing extreme pain and sciatica. Will also be seeking lawyer for resolution if not taking care of. Name of patient daniel banker cell number [protected] if no answer please leave message, unable to use phone on job.