Aflac
Reviews and Complaints

I was in the hospital for a new illness and aflac tell me its pre existing and ut wasn't. Ran all over got the papers they needed still no pat for hispital ambulance or shot term. Aflac us a quack insurance company. I advise everyone not to accept thus run aroun lying company!

I am a teacher and am having a huge problem with AFLAC. They simply refuse to pay for my short term disability. HAs anyone successfully sued AFLAC? I need a good lawyer. I am not going away AFLAC!

I am going through the same thing, I had 2 seperate surgeries performed with one surgical intervention on April 28th. AFLAC has given me the run around for months, since May 09 also. One surgery was for a pre-existing condition that I was already scheduled to have surgery for. Before the surgery I developed a new non pre-existing issue that also needed surgery. Both surgeons agreed it was in my best interest to do both with one opening then to have me opened twice. When I appealled based on the new issue not being pre-existing they told me to have my surgeon write a letter to that regard and they would approve it. I got the letter, then they wanted something else, this has gone on for months. Each time I prove what they wanted they find something else for me to do. Now they want a doctor to explain something from my surgical notes that they have had since May 25th, now they have a question about that. This has gotten to the point where I feel I am being harassed by AFLAC, I have proven over and over again that the new condition was not pre-existing, letters from doctors, EOB's, c-scan results, meeting with a representative and now they come up with another thing. AFLAC as far as I am concerned is a legalized savings account for a corporation, they dont keep their word and they make everything difficult. I have lost so many hours from work to leave and get letters from doctors, spend hours on the phone and drive all over the place for their newest request. I was out for 4 weeks and my doctor even wrote a letter that I was out that long because of the non pre-existing part of the surgery. Trust me dont spend your hard earned money with this company and their duck, go with a customer caring company like Colonial (aflac's biggest competition), AFLAC is a bunch of quacks !

I've never had a problem with Aflac everytime I ever needed them they helped me okay. I just went out on disability on the 10th of this month and I've already recieved my payments. Sorry anyone else is having problems but they treated me okay.

I sneezed and threw my back out. I had a hard time getting Aflack to settle up for my week of lost wages. I tried to file a complaint with bbb they would not get involved. I contacted the state insurance regulation board and finally got a check. I feel Aflack wants a reputation they don't deserve. I still have a policy with aalack because i feel all insurance companies have the same policy deny, deny, deny until you get a state agency or an attorney involved and force them to pay !

I am a single mom who was diagnosed with a rare, genetic cancer at age 32. I had signed up for AFLAC at work. I ended up having 12 surgeries, being in the hospital for around 5 months, and AFLAC always paid for every single treatment and hospital stay. No hassles. I think some people don't read their policies or take the time to file a proper claim. My experience with this company has always been positive.

I have been dealing Aflac for a month know, I have TIA ( mini strokes ) . I had one rep to actually listen to what I had to say, I could hear her tapping her keyboard looking at my information, I was asked to call back Monday . And yet again more paper work and to hear that I had this condition before and my claim probably would be denied. Know I am totally lost . Because I have TIA and this can happen at anytime my claim might be denied. But this was not explain at the time of me purchasing the of the insurance . Call the young lady who sold the insurance and still wanting for her to call me back. Know they had NO PROBLEMING taking their MONEY out m check . But I am getting the FULL RUN AROUND to get paid . That one day stuff they talk is a JOKE and so is that four day . If was not for my husband and mother I don't know what I do . Thanks for letting mr share .

I am reading some of the complaints/reviews it is utterly discussing that some of you think people don't read their policy. I have read and read my policy and nothing has happen. They lie and lie but if they don't get the your payment, its a big problem. How dare anyone pass judgement, just because you got paid without the hassles that others are enduring. It's really bad I had surgery on 08/28/15, yet to receive anything from them. I keep signing the same paperwork over and over. So don't just everyone because you didn't have any problems. You're one of the few that got paid without a fight.

Aflac you are disgusting after reading all of these you are truely a scammer how do you thieves live with your self remember what you did to those poor people when you get bad things happening to your loved ones it's all on your shoulders. You brought it on your self

Terry wilson/ nashville, tn.
I slipped a disc in my lower back 1/10/15. On 1/15/15 I was taken out of work for 7 days by an orthopedic. I faxed the proper aflac forms then aflac sent by mail a request for my 2013 w2 tax info I faxed my tax return. A week later I called aflac they informed me I faxed the wrong information. No one from aflac bothered to let me know. I faxed my 2013 w2 form on 2/14/15. On 2/20/15 I call aflac they verify they received the 2013 w2 forms. On saturday 2/21/15 I receive a letter 2nd request for 2013 w2 form. The letter was dated 2/11/15 the envelope the letter was mailed in was dated 2/17/15. Ok my point aflac claims to pay most claims in 4 days if it takes them 6 days to get a letter they typed in the mail then there is no way they can pay in 4 days. I used to feel secure having aflac now I'm just scared they will financialy ruin me if I have a serious accident!

AFLAC is a waste of money! I was diagnosed with a right side ing. hernia in Sept. that happened while I was moving shelving in my garage at home. The problem happened on a sat. went to my dr on Monday (had annual check up that day already). Dr checked and referred me to a surgeon. Had the repair done and had the surgeon submit the claim for me. The claim was denied saying they needed a copy of the chart notes from the first dr, and a diagnosis code showing hernia due to bodily injury. I got the notes from the dr. and asked about the diagnosis code. As per my dr. there is no such code. So I appealed the claim and submitted the notes. The claim was denied again! They tell me it's not in the notes (it was). and there is no proof it was an accident. How are you supposed to prove that? Maybe the duck needs to watch you.. who knows.
As I told them on the phone I do plan on telling my 10, 000 coworkers what a waste of money this plan is.

I have filed 3 accident claims in 3 years, 2 for my husband, 1 fir me. All ER visits. I think if you claim a broken bone or other injury, you have to have gotten treatment and filed claim within 1 year. It cannot be pre-existing. If you're filing for short term disability for childbirth, the policy has to be in effect 9 months. Read, read, read your policy! I have 3, and have read them from cover to cover. Thst way, i know ALL the requirements. If it is a work injury (a hernia from unloading boxes at work is a WORK INJURY, THERE FOR IT IS A WORK COMP ISSUE). not sure if AFLAC pays for work comp. But see it from their viewpoint... you say it was am accident caused at work unloading boxes and you didn't file the REQUIRE REPORTS to the employer, yet you want AFLAC to pay you JUST BECAUSE YOU SAY SO? DUH, i wouldnt be surprised when they didn't pay . wow...

I broke my nose in May 2013, was seen in the ER, provided them with the visit note and later ENT note with plan to do surgery. Because an Xray was not done at the time of ER visit, (my nose was obviously broken) they are refusing to pay for facial bone fracture under accident policy. They are asking for a CT. It is too late. I have submitted 4 Dr's notes saying I have a fractured nose!

My experience with my clients is the opposite, they tell me about all the exciting moments of receiving checks from AFLAC quickly. AFLACT: 70 cents out of every dollar AFLAC is paid out. My suggestion is have your agent contact AFLAC to find out what the proper documentation is needed. Or call AFLAC direct at 1-800-go-aflac

Aflac doesn't cover prescriptions. HIPPA doesn't cover anything about social security numbers. It's only about how your medical information is handled. Aflac wouldn't ask for your bank statement to show you bought medicine because it is not a covered benefit. So what is this about? It doesn't make sense. Sorry.

I have been trying yo get Aflac to STOP taking money out of my check since July2012 my husband passed away and they are still charging me so I decided to just cancel curbing open season the are still stealing my money and have not answered calls paid me my money back I'm going to take their ### to court because this has been going on 7 months.Just ridiculous for a company to be able to STEAL people money and get away with it

the person above is correct your company can only make a change request unless your in open enrollment period...

Contact your agent... you can get the info from your boss. Because of tax laws, your aflac policy is not supposed to be cancelled mid plan year unless you leave the company. Your boss can authorize it to be ok for you to cancel but you both would need to talk to your agent about that.

I agree with the complaints. Insurers are contacting company and were fed up with the improper handling of claims process.

I worked for Aflac for 4 years. I was a National Convention qaulifier amongst many other fancy awards.
I had to quit this company because the way we were enrolling people for a large account I had was unethical.
When I left the company, they people in my upline apparently defamed my name and made up lies to make themselves look better. What a shame. These people were teaching us how to do this type of enrollment and then had the nuts to say the oddest things about me when I decided to walk away from their scam. The client called me up to tell me what they said.
We are currently sending our complaints and seeking top notch representation.
Aflacs main attorney is trying to swindle his way out of the defamation part by stating State and Regional coordinators are independent contractors...but we all know that isnt the 100% truth. Aflac appoints these folks to leadership roles and tells them to soley represent Aflac. Then these individuals are to go down to our accounts and take them over when we leave. Then they go and destroy an agents name? they cost me a job because of the crazy things they said.
We are going to the department of insurance and are considering making signs and marching outside since Aflac did not want to take responsibility for the damage they caused.
good luck folks- stay away from this company. It is a strange pyramid.

I am alarmed that folks would freely post complaints without contating the company directly allowing them the opportunity to address discrepancies. I believe it is simply too easy to bad mouth companies without offering them the opportunity to correct the core issue.

I got a denial leter saying my claim was not covered by an accident.It was not submitted for an accident, was supposed to be for perventative health care which you have been covering.And i am very unhappay with your service on other employee at my co.that has not been paid promptly.
I would appreciate if someone would take care of this problem
charlie wharton
killingsworth pest control inc.
3 chestnut ave se
fort walton bch. fl.

I am a licensed Insurance agent and have seen this problem over and over again by Aflac agents. I know I was contracted with them for about 2 months before I cancelled my agreement with them.
You absolutely have a claim against the agent. That is why we as insurance agents carry errors and ommissions insurance. It is like malpractice insurance. If we make a mistake you the policy holder do not have to suffer for it.

I have problem with them and will not have anything to do with them I an in norfokl VA
and at one time call about a policy and no one ever return my call I gust one they rip you they do not talk to any more
Thant my 2 cent worth

over charged on policy, removed children whom were over the age requirement. the billing charge was not lowered. i had to go to my work and have the right charge presented. never was reimbusrt for the previous months. could not get thecustermer service rep. to understand the owed me from july to december of 2009. approx. $23.00 per bi-weekly six months worth of back pay. which is approx. $256.00.

The company that I work for, allowed AFLAC to come in and offer coverage to their employess and a group rate which is suppose to be a lower rate than it would as an individual plan. what happens is the payroll dept. deducts your fees however you set it up. Mine is on a weekly deduction for example. AFLAC bills and sends the invoice once a month to the company, it is the companies responsiblity to send the payments to AFLAC to pay the monthly premiums.

If bills are sent to you from AFLAC, you can bet your bottom dollar that the company for which you work is deducting these fees, but are not sending in the money that they they are taking from your pay check.

tata.aig.life.inshurance.policy.about my husband.reply soon.

As an Aflac employee for 10 plus years working daily with billing issues, if your employer were forwarding your payroll deductions in a timely manner, you would not be billed at home. We offer an extended time for these premiums to be remitted prior to contacting policyholders. Our contacting you directly is aimed at protecting our policyholders.

i had a problem like that too...but my company was lying to me...i asked for a copy of all the payments that was sent and guess what...my policies were not being paid on time from my company...i was wondering why i was getting bills at home if i pay from my check at work. ask aflac to send you a copy of your payment history they are really good about trying to please us customers...and the customer service are really friendly...i hope this helps.

I would like to know when will configuration be done. When will the portal be working properly? When will the provider be getting paid for the service that was done? When will we be seeing the correct reimbursement?

Had a heart attack, after faxing hundreds of documents and getting false information every time i call. I dont think ill ever get anything from them.dysfunctional customer service never has any answers . Im done, i give up! They got my money and bent me over lying cheating and stealing their way out of a claim, buyer beware, aflac is a scam...

Aflac agent tells my wife who just found out pregnancy with home test agent tells wife to sign up for insurance and that she would be paid & others have been paid as long as she hasn't gone to DR yet. when claim was filed, agent tells wife sorry must be covered for 10 months. agent lied to get wife to signup & get commission! need to find lawyer

Aflac needs to get their [censored] together and the representatives all to be on the same page its a constant [censored] show dealing with this company...this is my second claim that i have had issues with...they are very negligent with customer paperwork

Why is AFLAC long term care so popular in Japan?

Total disrespect thru the entire 3 interviews, never called back on time, never followed up with me and only pay thru PAYPAL so they can easily put an immediate hold on all your money immediately. Stay away...OR Good Luck!