Aflac
Reviews and Complaints

I canceled my accident policy in July 2019. A month later I called to ask about reinstating the policy. I was told that as long as I paid for the premiums for July and August that there would be no lapse in the policy . It would be as if I never canceled it. I've been calling and on hold for a long time to find out that they changed my effective date and I can't put in any claims for July. I am extremely disappointed after I was told that there would be no problem filing a claim for an accident for end of July. They need to answer questions consistently. I was told different answers from several customer service representatives.

I've been complaining trying to get Just to straighten out for three years you take my money every month why I was working Through the company I quit the company and found out that they was a month behind I've been dealing with y'all to get it fixed did not want my stuff to go Aaron default paid the bill I half someone was sending me the form so I can get my Crimea where they not charge me for the rates for the months I am tired of dealing with people I asked for somebody from the office so I can deal with this personally you send me to demand a natural set it and she was the Eg I asked for somebody from the office so I can deal with this personally when I called in the first time to complain to years ago you contacted your agent he come to my work said he will get the paperwork sent out to us haven't seen none of it but y'all still getting paid so this is Your policy to take my money and not pay none out I still do not know what the results were they shall come up with I do not know how to read or write that well as usual probably see this is why I need somebody that I could talk to and person that has authority to get this stuff straightened. You can contact me at 803 360/7333 Or email me at [protected]@ yahoo.com Let's see if this goes anywhere

I first received AFLAC at my new job. My employer allowed them to come in to sell their product it is not offered thru work. First issue, the agent sent the wrong amount so payroll made an error and I received a paper for hundreds of dollars now owed to my employer. When I spoke to my agent who was emailing HR but would not answer me, she said, "well is there claims you can put in for some money back"
here is the issue, I put in several claims and they are denied. Also for my husband. Some claims were paid but not completely. I WANT TO CANCEL THIS DISGUSTING POLICY. I know have a broken foot that was an accident went to the ER and because of the break sent me to and Orthopedic Surgeon. He did xrays for himself and gave me an aircast and knee wheeler to use. THEY NOW TELL ME SORRY ITS A VISIT you get $50. REALLY? there is nothing that says that he is a different doctor and it is not a follow up its a orthopedic surgeon because there was not one at the hospital the night I went in. My agent and her assist are rude and maybe email back if they feel like it. I said I am contacting the insurance department and want these horrible policies cancelled but noone will help me

I have a short term disability policy with Aflac. I have been paying for this for over a year now. When Aflac rep. came into my work, she told me that claims were paid with in 24 48 hrs once the claim is filed.in June of 2019 I had surgery for gal bladder removal and hernia repair. I went and looked up reviews for Aflac claims processing. To my surprise There were a lot of complaints about Aflac not paying short term claims. So I figure this was going to be a problem and guess what. I was right. After faxing the same document 4 times because there was always something wrong with it NOT being filled out correctly. The 24 to 28 hrs became 7 to 10 day. I also had to call daily to find out if the forum was filled out correctly because if not I would of had to wait to get something in the mail. Because Aflac does not contact you if there is a problem. They do it by mail. even though they have a email address. I am very disappointed. I paid for something I feel this company never had any intension of ever paying a short term claim/ Save your money don't get aflac

I was basically scammed out of over 900+ dollars for a policy that I can not use. And will never be able to use due to me not planning on returning to work ever. Basically I was advised by not 1 but 2 Aflac affiliates that I could keep the policy and use the policy but in fact im not. I requested a refund request from the day I stopped working in Jan 2018 as I have not used or filed any claims and was advised by phone today they sent me a check for $125. This request took over a month and still had not been completed the day I called over the 30 day mark that I was advised it would take. The customer service rep said she pushed it through but I'm not sure how they decided to only give me 125 out 900. It just doesn't seem right that their own ppl don't know their policy rules and can give incorrect information and basically scam ppl out of money. I specifically scheduled a meeting when I was leaving my job with the rep to ensure something like this happened and was advised I could keep the policy for future use and that it would just b based off of my current pay. I then was advised again by their customer service that I could keep this policy but couldn't keep my other policy. I made it very clear I was leaving to my employer to stay at home with my baby. I was looking forward to that money to take care of my child's necessities that I could not afford and instead of telling me I could keep it the policy but wouldn't b able to use it and give me the option of giving them money I could have saved for my child they took it. Sound like a scam to me and now I'm stuck with no claim money and premiums down the drain. I really can't believe this I really truly thought this company was honorable.

Aug 2018 looking for insures to help if I cannot go to work after I have my baby, I was trying to get pregnant. I found you the liars aflac. Your agent called we asked first thing if we could not be covered no deal. I found out I was pregnant. Liars aflac agent still looking in to it, said yes I promise you can be covered. I said I am pregnant are you sure yes. We meet with the liar; my mom and husband and I all got the aflac increase threw the business. That day we where on are way to the 3d ultrasound the agent knew this. We asked are you sure I samantha will be covered after having the baby if the doctor said I need to be off for any reason from having the baby? Yes, he said. March 2019 getting ready to have the baby the lier calls and ask how everything is good i'm read any day. Lier agent asked do you need to be off yet? I said no feel-good doing hair, let me know I said ok. 3/14/19 I had my baby. Called the agent liar on monday after the doctor's visit I got a not to be home un till may 2019. It has been heelll ever after with you liars. Can't get the form to lode from my phone laptop nothing worked. To agent "o I can help do it" "o I am so posted to do the form?" he did it with my husband name I had filled out the form wrong he did not catch it? This all took 1 week? Re did the form with my name form done. Wrong need to re do it I didn't change the # on it? You agent did not catch that? 1 more week later ok I know the 8-day grace time! So, we redo the clam form my name my # doctors not all good? Not good can you give us your taxes for 2 years ok, so we did that. Week 4 april 2019 we need this tax form 2 tax form? Ok we did that week 5? Boss of agent lies calls me asked me why the doctor has me off work I told him I had a baby and he want me off my feet? New letter 2day after talking to him! No not covered preexisting no pay? What called the liar agent that singed us up knew I was have a baby before we singed up! No not paying me why last week you said in and email it was good I should get paid out soon!? Now I am looking for a lawyer and filling an appeal? I feel lied to and used, I got the run around then this you aflac are liars and do what ever to get the money?!

I went to my credit union account and I paid my dental insurance and accident insurance April 5, 2019. I look they trying to take more money on April the 12th

[protected]

OverviewAccount Access
Account SummaryTransfer FundsScheduled TransfersTransfer HistoryHistory Search
Bill PaySelf Service

Available Balance:
$ 59.36
Actual Balance:
$ 157.19
YTD Dividend:
$ 0.00
Previous Year Dividend:
$ 0.00
Transfer Funds
eStatements
Account Detail
Export Transactions
Set Alert
Print Transactions
Pending Transactions

History for *0800=90 (Apr 1, 2019, through Apr 30, 2019)
Previous Next History Search History Refresh

Date
Description
Check#
Amount
Fee
Balance
Apr 12
Transfer To Share 20800-00-Online Banking Transfer

$ -80.00
$ 0.00
$ 157.19
Apr 12
Transfer From Share 20800-00-Online Banking Transfer

$ 80.00
$ 0.00
$ 237.19
Apr 10
PLANNET MARKETING 470-443-9330 GAUS

$ -19.95
$ 0.00
$ 157.19
Apr 06
UBER TRIP HELP.UBER.COM CAUS

$ -17.46
$ 0.00
$ 177.14
Apr 06
UBER TRIP HELP.UBER.COM CAUS

$ -6.00
$ 0.00
$ 194.60
Apr 06
AT&T *PAYMENT [protected] TXUS

$ -85.30
$ 0.00
$ 200.60
Apr 06
INT*INTELETRAVEL.CO [protected] FLUS

$ -39.95
$ 0.00
$ 285.90
Apr 05
AFLAC COLUMBUS OT [protected] GAUS

$ -36.90
$ 0.00
$ 325.85
Apr 05
AFLAC COLUMBUS OT [protected] GAUS

$ -38.10
$ 0.00
$ 362.75
Apr 04
ACE CASH EXPRESS IN [protected] TXUS

$ -555.00
$ 0.00
$ 400.85
Apr 04
GRUBHUBBONGOUTBBQ GRUBHUB.COM NYUS

$ -25.23
$ 0.00
$ 955.85
Apr 03
MTV SERVICES LLC PORT ST LUCIE FLUS

$ 25.00
$ 0.00
$ 981.08
Apr 03
MTV SERVICES LLC [protected] FLUS

$ -25.00
$ 0.00
$ 956.08
Apr 03
GCS [protected] -DepositTrn

$ -100.00
$ 0.00
$ 981.08
Apr 02
SSA TREAS 310 -XXSOC SEC

$ 937.00
$ 0.00
$ 1, 081.08
Apr 01
KFC G135316 MIAMI FLUS

$ -8.34
$ 0.00
$ 144.08
Apr 01
MCDONALD'S F7135 MIAMI FLUS

$ -9.41
$ 0.00
$ 152.42

Member Service Support: 305.545.0744 or 877.595.0744
Monday - Wednesday: 8:00am to 3:00pm
Thursday and Friday: 8:00 am to 4:00 pm

I would like a refund 38.10 plus 38.10 and 30.90 plus 30.90 equal.

38.10
38.10
30.90
30.90

138.00. which would be double charged

I had short term disability insurance with Aflac and had back surgery six months ago, and have been denied coverage for lack of supporting documents from the doctors. I have have been very active in getting these documents from the doctors office for them for the last three months (the doctors office is getting tired of my calls, they have more important things to do. Thanks Aflac.) Everytime they get them they are posted to the wrong claim, lost, or need more documents. Yesterday they posted on their online message center they need all the same documentation over again. This has gone on so long, several of the agents have called this an old claim.

I was interested in obtaining dental insurance for myself and my daughter since my employer doesn't offer this.
I spoke to aflac and decided to use them for dental. After hearing my options, I decided on a plan, I gave all personal info, debit number for drafts, etc...
I was curious as to what other customers thought so read many reviews and was overwhelmed by feeling I made a mistake so I called back and spoke to two separate reps to make sure this would be cancelled immediately and my account not be drafted. Mind you, this was all in a matter of a few hours after setting up the policy. I got an email at 2:14pm confirming the cancellation. They still took money out of my account! Upon contacting customer service they told me the policy was still active! A refund is only given through regular mail which they said can take up 7-10 days.
Unbelievable.

I need to know what specifically has been paid for, and what will be paid for given my current treatment plan. All she kept saying was basically tautology - "you get your benefits that are the benefits you get." - Could not tell me how much money I could expect _ I need to make some real decisions about whether or not I can afford to take time off from work- that's the whole purpose of this policy, and she could not tell me.

Later, when she gave me her registration number, she said " k as in [censored]" !
And she resisted giving me a supervisor. How quickly do you think I can get this onto social media.

Hello,

I started with my company in October 2017 where we are immediately given disability. I have been reaching out to William Verbrugge since my hire date and he has not been able to complete the process for me. Each time he requires we have a phone call in which he never makes it to or just doesn't respond.

Today is the FIRST day I've been able to get William on the phone. It's been OVER ONE YEAR! He apparently never completed my enrollment and now I'm not eligible for coverage for my pregnancy, which is ridiculous because its the broker's error. I asked him to ask for a backdated original enrollment date since this is his error and he just laughed at me. I'm also a broker and know this is possible. Also as a broker, this man is giving the rest of us a bad reputation.

I'm requesting an org enrollment date of my hire date per my company handbook as well as to have someone coach William on follow up and customer service as him laughing at a pregnant woman who he has ignored for a year now isn't acceptable.

Crystal Stoneman

Their polices are misrepresented and oversold at point of sale. Aflac causes unnecessary delays in processing claims. They say if you get in an accident and go to the doctor they pay you. Aflac claims say day pay. I have been waiting almost a moth on a simple claim. I was in a car accident, went to the doctor, provided police report and proof of Dr visit. and they still want more information such as the "doctors notes and codes" seriously? I have filed a complaint with the department of insurance in Georgia and would suggest anyone with a problem do the same. I would also file with the sate that you are in as well. Hold then accountable!

The duck commercials are very entertaining but not completely truthful. I guess I am guilty of not reading the fine print but I think an 8 yr policy holder deserves better.

I broke my ankle in 2014 & was advised to have a plate & multiple screws. The pain persisted & as a matter of fact the Otho doc told me that he didn't think he did me much good. I suffered through until late 2016 when I was then advised to have total joint replacement. In January 2016 I had the surgery. I went through the Physical Therapy & returned to my part-time job (semi-retired). The pain later returned & in November 2018 sought yet another Ortho doc. After multiple x-rays, MRI's & bone scans I was told that replacement joint was lose. The doc & I agreed that a revision/replacement was necessary. I researched the manufacturer but found no evidence of class action suits for product failure.

The surgery was performed on 12/7. As I am currently in recovery & will start PT soon. I sent over 30 pages of documentation to Aflac. I received payment of $190 & $300. With this being a 10 week period off work, I knew that I couldn't pay my bills like the commercials boasted. So, I contacted Aflac only to discover that revisions aren't covered. Since I am only part-time, I make nothing during the 10 weeks.

2014 surgery pay out was $698
2017 surgery pay out was $1, 098
2018 surgery pay out was $490

Cook the duck & don't paint a false sense of security.

I was a member since 2012 last September I file a claim for my son hospitalization he was 2 week come and go sick and body was hot and skin was dry brittle dehydrated and vomiting when the doctor check it she said it need to be confined and monitor for possible internal organ dehydration. so i file the claim for it since September until now I following up regarding my claim it said it still in their independent Medical doctor I wonder we have already completed all the doc and still they are reviewing it what happen to aflac

I have been a loyal aflac customer since 1996. I've had to file 2 claims during that time and both times had absolutely no problem at all. Dealt with customer service and was extremely happy with the way I was treated. 2013 was the last time I contacted aflac for any type of customer related needs until about 2 weeks ago. I was not attempting to file a claim but actually look into increasing my current coverage and possibly get dental and/or vision insurance. I also wanted to pay my premiums in full for one year. I attempted to contact customer service which is where by concerns have been generated. I called and even emailed customer service and have had little to no help. I attempted to contact the agent who handles my area who coincidentally is also the agent who signed me up in 1996. I am extremely concerned with the current aflac customer service! I truly hope things change soon or I will be seeking out a different company for my accidental insurance coverage along with dental/vision

I have been off work for a little over a month now and Aflac has denied my claim ... I am to have an ivc filter removed in November and I have had pain like a heart attack numerous times. . My primary care doctor refuses to recode it for my ivc filter migration first ... i am not trying to get over on anyone i just am going to lose everything because of the aflac denial and wrong coding ... i need any help i can get

Wow where do I begin? I have always been an advocate for Aflac. Encouraging my employees to sign up for their services. I myself had the cancer policy and in 2008 ish we found out that our daughter was "high risk" for cancer. At our open enrollment I spoke with our agent about what we were told and she told us that we could "buy up" our initial diagnosis benefit amount from $5000/$10000 to $10, 000/$20, 000 if we felt that would be a better option as our daughter was 11 at the time. I agreed and signed up. Fast forward to 2018. My husband was diagnosed on 8/26/2018 with Renal Cell Carcinoma. We received the initial diagnosis benefit payment of $5000. I called and said no I was supposed to receive $10, 000. I explained how I had "bought up" the initial benefit. The customer service rep said that she could see where I bought it but something happened in the convergence of the policy and I would need my agent to call and get it fixed. I called the agent. Waited for her call back, she called me then called Aflac. This was around 8/30/2018. So here we are on 10/15/2018 and we still do not have the other $5000 that I have been paying for for the last 10 years. I keep hearing it should be paid wait 5-7 days. I emailed my agent on October 11, 12, and again today the 15th and I have yet to get a response. It has been 47 days and still no resolution. My husband had surgery on the 24th of September to remove part of his kidney. We spent three days at a Cancer Institute 3 hours away from our home. I have 3 days of a motel which was over $400 I have medical bills that I have to pay and I have to vacation time to take to cover my lost wages for the 3 days. Not to mention my husbands wages that he has lost from the surgery and the 3 weeks after surgery while he is healing. This is unacceptable and as the Human Resource Manager at my company I be looking into different options and filing a claim with the Department of Insurance.

I requested to downgrade my policy due to hardship at this time, i called the customer service to help me on July 2018 and they had me fill up a downgrade request form and i fax it over to them. after a couple of weeks, i got a letter on August 6, 2018 stating that a new application needed must be submitted and an associate will contact me. Nobody contacted me until i called the customer service again on 8/26/18 and they told me to call the agent that went into my workplace, they gave me the number, i called him several times, left a voicemail, no call back from him. He finally texted me back on 9/28/18 stating to call him anytime. I called my agent today 10/1/18, still no answer, left a voicemail again. This is very frustrating. I would not recommend this company to any of my co workers, In fact im ginna tell them to cancel their policy because of this. Thank you.

Paul Martinez
Policy number POS9A0B9
Short Term Disability.
[protected]@yahoo.com

I asked for whole life imsurance from your agent at open enrollment...I got whole life in addition i got several other insurances that I DID NOT ask for...i am now and have been charges for these things since june 1, 2018...I asked to cancell sent form multiple times but policy still is not cancelled...and i am still being charged for these services that i didnt want never use and and cant seem to cancell...i dont want any dealings with this poolicy..