Aflac
Reviews and Complaints

Being a registered nurse, I find your newest television commercial in the operating room where a patient is about to undergo surgery to be extremely offensive.

Your portrayal that patients are made fun of after they go under is unquestionably misleading regarding the conduct of healthcare professionals, not to mention fearful to patients.

Shame on you...

It is beyond frustrating to have supplementary insurance that is suppose to help you when out of pocket expenses occur. Aflac has yet to pay me since I've filed a Cancer Claim. It has been one thing after another. First I was told my coverage would not cover Cancer then another representative said, yes I do have coverage and I need to file a claim immediately. She even helped me submit the forms and required documentation and now waaayyy after 14 days I am being question about a pre-existing condition, I have medical documentation that I have been recently diagnosed with Cancer, who would lie about something like that!?! I am terrified, scared, depressed and financially struggling because I can barely work. On top of being sick Aflac has yet to pay me. I guess when an unexpected illness happens, Aflac doesn't really step in like they say they would. I just want to be paid so I can pay my bills and my mortgage. I hate being sick and thought that Aflac was going to help was the only good thing about this sickness, but they're letting me down. Please just help me, especially since I've invested into your business.

My parents paid premiums for older Aflac LTC policies for many years. My father died before he could use his policy and now that my 84 year old mother needs her benefits, I’m told that she doesn't qualify because she is in the 'assisted living wing' of the care center rather than the 'nursing home wing'. The company is the SAME, the price is the SAME and the care is the SAME, yet a 150-foot difference in location prevents her from claiming her benefits?

My mother has Alzheimer's that has been diagnosed by a physician.

She requires 24 hour supervision (Custodial Care-as they call it in the benefits section of her policy) and she will never be able to live on her own or return to her home.
Her meals are prepared for her.
She requires assistance bathing, washing her hair and maintaining her surroundings.

The care center has sent several claims to Aflac and they have all been denied based on her 'location'. When I have called to discuss/clarify/appeal her needs related to the claims, I'm given brief generic answers or the wrong answers. Not one representative has said they will reach out to the care center or doctor for more information. Why does Aflac even have an appeals process if they don't investigate or seek out documentation?

Because she has 3 years of 'nursing home' benefits left, our only hope might be to move her to the other wing. Aflac will then be required to pay her benefits, so their current denial will have been and exercise in futility since it won't save their company any money.

The only one that will suffer from the move is my mother. She has high blood pressure and doesn't do well with change. She also enjoys the ladies that join her for meals and she enjoys the view from her window. Moving her will mean new 'ladies' and a new 'view'; neither of which will be beneficial to an Alzheimer's patient.

BUYER BEWARE! Aflac insurance is a complete rip off. I signed up in December 2015 for the Accident and Hospital Indemnity policies, Accident for obvious reasons, but hospital because my boyfriend and I were planning on marrying, and he has health issues. Just a little background on me so you can understand my complaint better. In June 2014 I started have the worst pain in my life. It was like a migraine but 10x's worse. I went to Vanderbilt Hospital and after CT scans, MRI's and an angiogram, I was diagnosed with RCVS. Ever since my diagnosis for this disease, and prescribed proper medication, I've been fine. Fast forward to March 2016. I started having tenderness on the right side of my forehead and what felt like stabbing in my brain. I go to my primary dr and tell her. She refers me to a neurologist. The neurologist sends me for a CT scan, the results come back abnormal. He sends me for an MRI. MRI results come back I have a skull based tumor. The neurologist refers me to a neurosurgeon. The neurosurgeon recommends removing the tumor asap because of how rapidly it's growing, and he knows this because he is based at Vanderbilt. He looked up my imaging from 2014 and saw there were no signs of a tumor then. May 2016 I have a craniectomy done. The tumor is sent to the Pathologist for a biopsy. July 2016, I'm diagnosed with Langheran's Cell Hystiocytosis. I file a claim on my hospital indemnity policy for being hospitalized for 4 days. First I'm told Aflac has to have a copy of the UB04 form. This form is the form the hospital sends to your actual medical insurance company for billing. Nevermind that everything on the UB04 form is the same exact information that the hospital statement you get has. That's their first stall tactic. So I finally get those and send them in. Then Aflac tells me I have to send them a copy of my medical records from Dec. 2014 till Dec. 2015. The second stall tactic. I get that paperwork and send that in. I actually sent them till April of 2016, so they could see where I first complained to my dr in March about the stabbing pain and tenderness, and her referring me to a neurologist. So after chasing all this paperwork around, they come back and say my claim is denied because it's a pre existing condition. Seriously?! So I call to speak to a rep, that tells me the same thing and I ask her who makes these decisions and she responds the "claim auditors". My response is, what kind of education do the "auditors" have? Do they have PHD's? How many years did they study neurology and oncology? They are trying to tell me I have walked around for 2 years with a tumor between my brain and skull. Really?! Nevermind the information I sent of my imaging from 2014, where no tumors were found. Because I was diagnosed with RCVS in 2014, which caused me headaches, and complained of tenderness and head pain in March 2016, that we found out to be a tumor and a whole completely different disease, and neither of these diseases are remotely related, they are trying to say my surgery was due to a pre existing condition. I'm not done fighting with them, but ultimately I feel like it's going to be a big fight, like probably getting a lawyer involved. This insurance is a joke and the company is nothing but a rip off. I will never recommend Aflac to anyone and will seek out anyone I can to warn them before wasting hard earned money on garbage.

I have Medicare Part A and D, no part B, so hospital visits are covered 100%! When a rep came in and told me what they pay for and how it could benefit me i was excited! I signed up for 2 plans n a year and a half later, signed up for another! As always, everytime someone was sick/hurt, we would goto the hospital n afterwards, submit a claim! 99% of the time they would only need the discharge summary and test result or order for the test, and the claim would be paid! Now, over 3 years in, they feel I've submitted too many claims and are refusing to complete the processing of any claim without a UB-04 or HCF1500 bill, which isnt available for weeks after a visit! I guess 1 Day Pay is CRAP wen you have to start jumping through hoops! And on top of it, I cant cancel! Some crap about a federal contract! So im stuck paying $60 a week for something that won't cover me! If im in the hospital for 2 weeks, cant work, and have to wait another 2-3 weeks for "the right paperwork", how would i pay the bills in between? Isn't that the reason i pay for the s**t? You should put on your commercials and paperwork that there's a limit! B******t!

Purchased coverage for hospitalization, which covers if admitted to hospital. I was hospitalized for 3 days, submitted all necessary documents to Aflac which promises 24hr payment. 4 months later I am still fighting to get claim paid. Every time I call I get a different story from its being processed to needing more supporting paperwork. It's not that complicated ! I was hospitalized, I have a policy to cover that, I submitted ALL required documents.

I have paid for accident insurance for years with AFLAC. On a Friday, I fell hard coming off of my front step, falling into concrete yard stones, and had a burst fracture in my spine. The doctor said I needed surgery and they put screws and a cage around 3 vertabra with a hook for support. On the day of my accident, when I fell I laid in the yard screaming uncontrollably. I was in excrutiating pain. My husband called an ambulance which took me to the emergency room, and I had surgery a couple days later. Aflac is now denying my claim stating it was not caused by an accident, but rather an illness. I fell, fractured my vertabra in my spine. I have previously had no illness, no broken bones, and when I fell, I literally felt the horrible pain of my fracture, and I knew what had happened. In one of the tests, my bones were found to be a little soft, not osteoporosis, and not severely, and it has never culminated in any bones breaking, and I have fallen, been in car accident, I skate, jump on trampolines, ride thrill rides, but because one comment on a test, AFLAC jumped on a band wagon stating it was not caused by an accident. I wish they could feel what it is like to fall and fracture a vertabra when they impact with garden stones on the ground bending spine so hard, and waiting in pain for an ambulance. I fell hard, and it was an accident. If not for this accident, I would not have a fractured spine. I don't know what to do. They give you no information whatsoever, just a denial letter. So frustrating. Be wary about paying for accident insurance that does not pay, when you have a terrible accident!

As I have stated in a prior complaint ... because of Aflac my family will be homeless. I understand what my policy states now... not the point. Aflac told me that I could have another claim even though I didn't have two weeks of work in between my claims. Then they sat on it for a month, aflac even didn't notify me that my work didn't pay them til the last minute so that my policy would lapse. I used to be a big supporter of Aflac ... lots of people at my work had nothing good to say. Now I know why and unfortunately this lesson is going to cost us everything. We won't even have a car to live in. AFLAC has no compasion for my family and the situation. Aflac keeps saying because I had pulmonary embolisms in my lungs towards the end of my back claim, that they are a continuation of my back claim. They are not. They are completely separate codes and everything. Now that I have to cut my physical therapy and recovery time short to go back to work early ... I may just end up completely disabled. This has caused me so much stress I can hardly breathe. If I do end up disabled from this Aflac will be one of the of the two places I am going to sue. AFLAC HAS NO HEART ... if they wanted they could take two weeks out of my claim ... but they do not care about their clients.

First let me say Aflac paid a claim for my back already ...
At the end of my back claim I went into the ER and was diagnosed with MULTIPLE pulmonary embolisms and one masive saddle embolism in my lungs. I was in the hospital for 10 days. I almost died. Getting out of the hospital I called Aflac and after considering my new set of problems they said yes I could file a separate claim for my lungs ... I just need enough time to go to physical therapy to get my lungs in shape to go back to work. They told me what I needed to get paperwork wise and I did. Then they sat and waited for 3 weeks not giving me an answer until 6-12-15 at which point I had been waiting for a month and a half with no money. I am our only income. If they would have told me last month NO I would have drug myself to work anyway ... now they tell me my lung problem is a continuation of my back problem and that they would have never paid because I should have gone back to work for 2 weeks in between claims. Now I cannot pay for anything. I am almost 2 months behind on rent ... can't make my car or phone payment ... and really this could end with my family in the street. Just because they told me a lie and kept me waiting for over a month ... maybe I should camp out on Aflac doorstep ... our whole family ... I really am just so hurt and don't know what to do.

Agent Nicole May, from a city in CA, came to check into our hotel, on business, a day after the visit of a wonderful rep named Robyn, who is really hoping to get our business . After stomping up to the counter while I was preparing guest receipts, she was extremely nasty to me as I tried to be pleasant with her while checking her in. She even threw her ID at me, the whole time refusing to speak, claiming finally that she "had had a long day." It's a good thing I don't file frivolous assault lawsuits. She was expecting a delivery of boxed Aflac materials and demanded that I "get back there and look for them." Initially, I didn't see her little box amongst our huge, delivered, boxed furniture. She coldly told me I'd better wake up the manager and find her box because she was going to leave at 6:30am. After saying a lot more nasty things, she went to her room. I found her little box shortly afterwards, because why should HER nastiness affect MY good customer service skills? She called down again to tell me what I could do with myself regarding her boxes. Why don't people realize that they're representing their company when they're on travel? If it were up to me, I would never, ever use a company that hires suchlike people.

AFLAC is a great company with great products, and unlimited income potential. The problem they have is that there are many unscrupulous managers. The State Operation where I worked had many of them, from the State Manager on down. I, along with several other agents/coordinators, had our hard earned accounts "reassigned" to thee spouses of the managers above us. This happened for many years. They are finally starting to crack down on this. In the meantime, many agents, such as myself, have been robbed of a large part of the income we should have been receiving. We can never get this back. It is hard enough to secure accounts. To have your managers steal them from you is inexcusable. AFLAC needs tomake sure an account is reassigned, it is done for legitimate reasons, and not to enrich managers who are already making much more money than we are!

A representative from Aflac named Joanna called requesting to speak to the person who handles employee benefits. After explaining to her that I could take her information for future use, which she gave me, but that we are not interested in changing companies, she wanted to know if she could drop off materials for the person, I told her yes, and she replied she needed to get approval from the specific person. I explained to her that he has requested not to receive sales calls and she replied "I don't even know why I am having this conversation with you." I told her, again, that she could drop off materials for the manager to peruse at his convenience and she hung up on me. So for what it's worth, Aflac or whoever, her name is Joanna and her phone number is [protected].

It's a scam. It's a revolving door. The top 2% make it and the rest either struggle or fail. Hardcore sales. They only give you 2 months
then cancel your contract. In the time I was there I had 2 small groups and some other big ones in my sales pipeline. Guess it wasn't enough. They dissed me and will probably get themselves some paydays from my work. They also expect you to recruit people. It was unprofessional. My so called district manager didn't have a clue about what he was doing. They thought it was cool to bad mouth other people that came and went before me at meetings in front of everyone. My manager also insulted me with strange comments I'd rather not repeat. He was an unqualified and disrespectful person. The general public and most businesses don't like Aflac. Go ask if you don't believe me. Constant cold calling and door knocking hitting the same people over and over again. It's not an easy sell right now with everything up in the air over insurance. I would stay away from this crappy opportunity unless you already have businesses lined
up and know the management at the office you applied, otherwise you're going to get screwed.

I was admitted to a hospital for a illness and it was deemed a disability by my doctor and i was told my aflac agent it was covered and all i had to was submit all the paper work. And i did that while i was in this hospital for 60 days no payment when i got out i went to the agent and was told that the adjusters denied the claim saying it was not a disability in their eyes. When my doctor signed paper work and it is a disability in the medial icd codes. And my blue cross short term disability covered it as a short term disability and covered it with out any questions. Who are these adjusters? Are they doctors? Do they have the right to change a diagnosis? This is discrimination when they say they are going to cover anything that is deemed a disability. Them they change there minds because they don't like the diagnosis.

My policies with AFLAC originally began on 9/12/12. Due to mishandling of my policies, both were terminated shortly after that date and I was never informed Only after checking into it because I became pregnant, I realized and reactivated both policies on March 5th 2013. On June 18th, I was informed by an AFLAC representative REF # Q01WC82 that both of my policies were again inactive/terminated. Caller stated it was because no payment was received for March, April, and May. I was advised to call my employer. I spoke to the Human Resources Director at Wellington Retreat on this date, who informed me that they have proof of invoices paid to AFLAC through 4/1/13. Furthermore, she called AFLAC Ref# Q01WDY5, again payment on their end was verified. Please note: that on March 18th, I called into AFLAC and enrolled in AFLAC ALWAYS. I provided a VISA credit card and was ensured that payment deductions would be taken once my employer made their last invoice payment, which should have been in April’s invoice. To my knowledge, payment was being made on my VISA. I have documentation to prove this.
I also spoke to a supervisor at AFLAC customer service, Mr. Troy Coler REF# O010B0C on this date, in attempts to gather more data. He stated that my credit card information was removed from the system and therefore, my policy was terminated. Please be advised: I NEVER REMOVED MY CREDIT CARD INFORMATION. In addition, this is contradictory of my previous call to AFLAC as stated above. I am currently 24 weeks pregnant and was depending on the moneys I would receive through my short term disability policy. At this time, I have no policy.
Lastly, I spoke with Kristina Bergman, who is an AFLAC representative that originally enrolled me in these policies. She is aware of the continuous mishandling of my health care and offered me apology on behalf of AFLAC. This company has caused me a tremendous amount of unnecessary stress to both me and my unborn child. Furthermore, I do not feel comfortable having my health care in your hands.
At this time, I am requesting a FULL REFUND of payments provided to you since 9/2012. I have paid you a few hundred dollars and have had my policy inactive throughout most of the time. The constant confusion and mishandling as led me to believe that this company is not representing themselves as promised. I will not pay for something I never received, nor do I feel I should be held liable for your mishandling. I have documents and proof that indicate I took the necessary actions to ensure my policy remain active. Also, I never received any kind of notice from AFLAC that my policy would be terminated. I do not want my policy active at this time, as I do not feel comfortable placing my health in the hands of this company.
On 6/27/13, I spoke with Escalation Services Lakesha M, who informed me that my request has been DENIED. My refund in the amount of over $600.00 is being denied stating that, “I could have filed a claim in that time.” The fact is, I couldn’t have filed a claim because my policies were inactive most of the time. Furthermore, They stated “they apologize that the system failed and did not register my Visa Credit Card and therefore, my account was terminated. So because their system was not operating correctly, they have taken my money and have left me with no coverage for my short term disability (maternity leave). This company stole my money and did not provide me with any services. I have just seen their have been over 400 complaints in the past 1 year filed against them.

Back in january i was hospitalized with acute bronchitis / asthma. I spent six days in the hospital. Aflac rep told me he would send the proper paperwork which he did, doctor filled them out and was mailed back. After he received them he tells me a letter would be sent back to me if they need additional info. I got a letter of course. So i called the hospital because they requested my discharge records from hospital (Hospital was sent the same letter it said) , but administration at hospital didn't receive anything. The last letter i got told me that they have closed my claim until they receive what they asked for. This is the end of may, i still have not gotten any help from them, and i am starting to get bills that are needing payment. My best advise for anyone thinking of getting aflac insurance - - don't! You won't get any help! They suck!

Aflac is a great company. You just need to know how to file forms and what documents you need to get from your providers. You also are given policies in the mail that you need to actually read. Aflac gives you a ten day free look to make sure you understand what you are buying. They also have a wonderful website full of information and their customer service department are very helpful. Ok. If you go to the emergency room of a hospital with or without admission, the hospital uses a form that you can get a copy of after about a week called a UB04. These form shows the charges for everything you had done...ambulance ride, tests, medicines, lab work, treatments, equipment, admission/discharge date, surgery, days in hospital, intensive care, just ER visit, etc. Submit this with your Aflac form and generally that will be all you need for that visit. If you are treated by a physician or urgent care then you need the 1500
HEALTH INSURANCE CLAIM FORM to go with the claim form. This form basically has the same type information as the UB04. Both forms include diagnoses. Again, you would normally have to wait about a week or two before requesting copies of the forms. Normally, I just tell the providers that I want the forms for my medical records if they ask. They do not charge for a copy of today. That could be different in your area. Once I submit that form by fax, and my claim form, thru Aflac's website because it is easier, my check/s are in my hands within a week or so. Hope this helps. Remember, read your policies. Once I learned what Aflac needed to verify my claim, it was easy. I wouldn't expect my homeowners insurance to pay me for a damaged house without coming out to see it and do an estimate of value. With these forms, I find that I end up getting paid more money on things I didn't know would be covered because Aflac has the total information and because I have multiple policies, they cross check my coverages and pays me on all of them that it applies to the incident, even though I didn't file a separate claim on the others.

So I get the run around which is the big piss off. I go to sleep one night wake up not knowing what was going on have spots in my arm which got infected swelled and I had to have surgery to get rid of the infection I was hospitalized. Get down to it first claim they say skin disorders are not covered. Talk to rep riley hicks she says well try spider bite in which I say I do not know what caused it she says well they may cover it so I go and have the doctors put possible spider bite deny again they do not cover spider bites or insects bees ect. So they review it deny again So I contact aflac phylis on here one of there claim reps calls me. And get this when I bought it I get a story of how poisin ivy is covered which is an alergy and skin condition which I got denied for. So this claim rep calls and tells me my doctor says it was a sickness well no it was not never had a fever or any signs of the flu my arm was effed up I am a collision tech/painter deal with solvents and dust. She tells me insects, aracnids, dust allergys, spring time allergies and so on are not covered they are a sickness. And I say well so is poisin ivy it is an allergic reaction to the oil on the leaf it is a skin condition and she tried to tell me that was different And when I said my doctor had no idea what the cause was as neither did I she hung up on me very effing professional. Sorry aflac poisin ivy is a allergic reaction which I for one am allergic to you said you cover any accident when I bought this policy and when I got hurt which I do not give a dam how it happened because I am not a needle junking or drug addict and never go to the doctor my doc even sent me a form seeing if I still wanted him to see me because I had not seen him in several years if that tells you how much I go this policy sounded good to me to cover the unexpected well it did not and now I am stuck with 1200 in deductables and out of pocket expenses merry christmas from aflac but hey they covered my disability on it a whopping 220 dollar check for 8 days off of work you do the math suppose to be 70 percent of my pay 11.50X 64X .70= yah not 220 actually 515.12 so they short me 295 plus 120 first doc visit 30 follow up 30 follow up 30 follw up and 3000 for hospitilization. Glad I had such great coverage thanks for having me under your wing instead of aflac you should be called ahfuk cause your coverage blows. Well it wasn't deemed an accident o.k. so I inflicted they damage and wanted to be off work for almost two weeks thats not what we said well yes you just did . Crock of crap check out these pics does this look like a illness.

I received letter from Aflac-payment Alliance International which informed me about $50, 000 lottery prize that I’ve won and in order to claim that prize I had to cash the check that was enclosed within that letter and use that money to pay taxes, that check proved to be fake and I’m in $4k debt now.