I've had Aflac for about 9 years. Teachers don't get disability from the state. I pay about $200 for disability and cancer (had to get a separate policy for cancer cause I guess it's not a disability). For 9 years I've paid about $18,000! I put in a claim last month for my surgery. I only received $66 a day. If I would've saved that $200 a month into my own account I would have had over $18,000 in my account plus interest. I canceled AFLAC today.
In my experience there is no way to fill out a claim form that meets their standards. Every Claim I have sent has ended up with them claiming that the information was not correct. They ask for my doctor's information, and additional information related to my claim. After many phone calls to find out why the claim was not paid customer service will promise to look into it and then they will never call you back. If you are persistent they will tell you to start again. I have accident, cancer and insurance to cover heart attack.
LEVITTOWN, PENNSYLVANIA -- Very frustrated about what information to submit??? I have Invasive Metaplastic Breast Cancer. I have had a mastectomy, reconstruction surgery has begun, home nurse visits, I will be getting chemo. What do I submit for the hospital, surgery, anesthesiologist, plastic surgeon, surgeon? I don't know what to submit but they sure know how to turn down a claim for not submitting proper paperwork. WHAT DO YOU WANT FOR EACH SUBMISSION AFLAC?
REDDING, CALIFORNIA -- I purchased AFLAC specifically for orthodontic supplemental coverage for my son. I was told I would pay into this for one year and at that time would be eligible for braces for my son. I was told this by my representative Mark ** in the Redding area. After we had X-rays done and a consult, the dentist office states we aren't eligible because I hadn't paid into it for two years. Now I'm on the hook for X-rays and consult visit. I was completely lied to. To top it off, the representative doesn't return calls and has essentially disappeared.
SACRAMENTO, CALIFORNIA -- They said my pre-existing disability is not covered. I was told by the agent I was covered but now they say I was denied. This is crazy so they was just taking money out my check and I just deal with. I really need an attorney to look into this scam as company. I don't care if you're Fortune 500 company. They are scamming lying cover ups. I hate Aflac and hope the company crumbles.
GEORGIA -- My fiancé purchase Aflac's Critical Care Plan on his job as a supplemental insurance, the agent explain to employees that if they considered this policy it would pay $20,000 if they ever experience one of the following: Heart Attack, Stroke, Cancer and Organ Transplant. Well after having the policy for 4 year on December 2014 he had to have a pacemaker implanted in him due to the fact of him having complete heart block, or AV Block.
After his stay in the hospital we filed the Critical Care claim, at first we were thinking that in a couple of days (as little as 3 days, what a lie!) he would receive a check. We contacted Aflac after two week pass and were told that they needed more information; the usual paperwork needed so that the claim could be paid. We provided every item they requested and was assured that we would get a check in the mail totaling $20,000.
The next week we received a check Wellness check for $50, and afterward a letter arrived requesting more paperwork. I went here and there to retrieve what they said was needed, sent it in and waited. In about week we receive a letter stating that the claim would be denied base on the policy only covering him if he had actual had a serious heart attack that left him half dead.
I question them stating that his life was saved due to the emergency surgery and the pacemaker put in, I was then told "that he is not eligible for payment based upon the doctor was able to sustain his life" and we should be thankful. I then ask the agent what would have happen if he had died, she then told me that "there would be no need to file the claim if he had died he would not be critical."
We have submitted 2 claim forms stating that he had a MI, the doctor refuse to change it Aflac somehow contacted the doctor's office and they changed the claim form after 2 months. It is things like this that "BIG" insurance company depend on to help them practice "BAD FAITH." Nothing like have proof for your records.
I have received 20 letters explaining to me why the policy can not be paid, 1st we were told he didn't have a heart attack, to the point of he did not have a Myocardial Infarction but just a simple AV Block. We went back and forth and each time they use these same excuses. I contacted the GA Commission of Insurance and filed a claim against Aflac, of course they would agree with the bigger company rather than the little people.
So we have been going it alone with Aflac, one thing Aflac don't realize that people read and study - that's what I did concerning his diagnose and the medical terminology states that in order to have a Complete heart block, AV block or a 3rd Degree block a Myocardial Infarction would have had to occur.
We will hold firm to the claim regardless of how the doctors, GA Insurance Commission and Aflac work together. I have sent letters asking why the policy was denied when it meets all the qualification on the policy. What they sent to use was "Aflac will only pay for Myocardial Infarction or a Heart Attack" - this was mailed to us and highlighted.
I went to the medical website and looked up AV Block and what cause it and it stated that it was cause by one of two Myocardial Infarction, the seriously one requiring pacemaker to live. I too highlighted this and sent it to them, not sure what my outcome will be, regardless we will fight until Aflac pays to have the medical terminology changed. My fiancé has not return to work and we have doctor's bills coming from left to right. One thing I am proud to say is that his primary insurance company (BCBS) is true to the words, that's why they don't have to put "fake" advertisements on television.
It is our perceptions that Aflac never really intend to pay for these claim, they might pay small claims, but large claim they give the client the run around in hope that the client will roll over and take their tactics. Why pay for a claim and when you really need it, they find all kind of made up excuses to not pay.
BAKERSFIELD, CALIFORNIA -- In 2012 I had worked for a school district and when I left I took my Aflac policies with me. Most of you know as you get older your balance is not as good as it used to be. I had fallen because of my dogs and had multiple injuries. Aflac paid at first, after recovering from that incident I was injured again when a horse stepped on my foot and broke it. From that point on they were harder to deal with. Every fax sent in ended up getting misplaced.
My last claim was lost multiple times. When I called about it the next thing I knew I was getting letters asking for office notes from the doctor's office, letterhead from the company I work for and copies of my paychecks proving my income. Basically I was made to feel like I was being called a liar. I sent in everything asked for.
Finally I gave up and it has been a hardship. I have heard more complaints than I have good about Aflac and I feel that by responding with such a positive attitude at the very beginning I may have led some people into purchasing a policy. I apologize for that, I do know that Aflac monitors this site and responds on it frequently. So again I was wrong and so many others were right.
ARIZONA -- Denying hospital indemnity. According to policy, a 23-hour minimum stay is required (admitted to hospital). The UB04 I submitted clearly is for over 23 hours, yet they are denying claim based on number of hours of observed care my husband had, which was 19 hours. Where in our policy does it say anything about observed hours... nowhere! Lying, cheating, incompetent, waste of money and my time trying to get these morons to pay up. They misdirected the claim to cancer... not our mistake... theirs, I've re-filed this claim 5 times. I've been lied to at least 3 times. Would love to kick that duck in the butt so hard that my foot comes out of his beak!
SAGINAW, MICHIGAN -- Hearing lots of complaints about AFLAC but they all seem to be about the short term disability coverage. I had no issues with the STD coverage attached to my Accident policy. In fact, didn't even know I had coverage. AFLAC's best feature is their Sickness & Hospital Indemnity policies as I have both. Have made tons of $$$ having this policy, paying for Dr visits, MRIs, CTs, EEGs, EDGs, colonoscopies, pain clinic procedures, surgeries, etc...
They also let you claim back years. Now I'm claiming up to 6 years back, things I didn't even know I could get money for. You just call AFLAC and they spend as much time as needed telling you all the benefits or each policy and each year that you haven't claimed. Loving Aflac these days! These policies also pay well if you have to be in the hospital or undergo anesthesia.