Aflac Insurance - Page 3

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To all the AFLAC haters!
Posted by on
Hello all,

I have read a lot of complaints about a lot of companies. What a bunch of whiners! Every service or products have pros and cons. Most Insurance policies have fine print and exclusions. Buy and be educated. One of you claim your AFLAC policy won't pay enough or not at all. Did you follow the instructions when you filed your claim? Did you increase your coverage to cover your new wage? Did you read your entire policy or just trust what someone said to you. AFLAC pays out almost. 70 cents on every 1.00 dollar of premium collected. No other supplemental Insurance company can say that!! Why did colonial change their name to UMUM??? Too much Bad Press?? Look up the 10 worst Insurance companies in 2009. AFLAC is no place to be found!!! Allstate is #1 and Unum is #2. The county employee that was complaining said something about a scheduled surgery, could that have been pre-existing? What waiting period did you choose? What Benefit period did you choose? Get the facts on any policy and know how it works BEFORE you need to use it. That goes for anything!!

Google most ethical Insurance companies and see what you find. Now google the worst. Write back soon with your results.......
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User Replies:
madconsumer on 05/21/2009:
sounds like a bunch of red tape to get coverages paid.
Anonymous on 05/21/2009:
The business I work for dropped AFLAC two years ago when they refused to pay on properly submitted claims. Even when our so-called agent declared the forms correct they were still denied. We had to sue them in court to pay.
ejack053824 on 05/21/2009:
Mr. fighting a no-win battle in here with us on this AFLAC insurance. Pretty much all of us would wipe our arse with the policies that were issued because that's all the paper is worth.
bopeddy on 05/27/2010:
What's funny is that the complaint is about your company, yet you want to talk about other companies. You quote Allstate, but what you won't disclose is that the survey of "worst" companies was authored by ambulance chasers, I mean tort attornies, and is related to the home/auto end of the biz, not benefits. Allstate and Unum smoke AFLAC, or shall I say your MLM scheme that you got cookin at AFLAC.
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Misrepresentation Of Coverage
Posted by on
NEW YORK, NEW YORK -- I sat down with an Aflac representative while I was pregnant. I asked specifically what if I have complications and cannot return to work after 6 weeks. I was told that I would have a payable claim. Well, I did have complications requiring a C-Section and I cannot work for 8 weeks minimum and I was told that they would not pay the claim since I was pregnant when I applied for coverage.

I pay $55 per month for this insurance and I am going to cancel it.
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BobJohn on 09/09/2008:
Just me, but I thought that you can't buy insurance on an existing condtion (or complications of that condition) without some kind of extra rider. I didn't know you could buy any type of health insurance for $55/month. Salesman sounds rather unethical though.
jenjenn on 09/09/2008:
When you apply for disability coverage, you must go through evidence of insurability. I'm surprised they approved you for coverage with your existing condition. They are almost never covered.
Grtcvg4u on 12/02/2008:
If you purchased a policy while you were pregnant (pre-existing condtion) AFLAC would have paid for any medically necessary time off work prior to delivery but not for the actual 6-8 week maternity leave. If you had an accident or other illness during that time, your AFLAC would have covered you so it is good that you had it just in case something unexpected happened. Unfortunately it is too late for you now but in the future I always recommend reading your policy.
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Don't Buy It Waste Of Money
Posted by on
NORTH CAROLINA -- My daughter was spider bite and almost 3 weeks still nothing. First our representative gave us the wrong fax number and it took her a week to get us the right one. Then she says she faxed all of the info in but I called and Aflac has no record. today which makes it 3 weeks since the accident they said they got it on the 5th of sept and she said she re-faxed it on the 2nd. They still say they don't have anything and now she is telling me that she called and they do have it but since it was a holiday its behind. I asked her when they got it and she says she don't know but they are doing the claims from the 3rd of sept and mine is a couple days behind.

Well.....if she faxed it on the 2nd and they got it then why are they doing claims received on the 3rd and mine is not looked at yet. Too much funny stuff and we are very skeptical. I was also told that if I wanted to cancel I had to wait until the re-enrollment period. You cannot cancel anytime you want!!!

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jktshff1 on 09/08/2008:
I thought Aflac sold car insurance.
sabletaz on 09/08/2008:
I know, I wanted to cancel but, I had to wait until open enrollment came around. This was back in April when I first contacted AFLAC about canceling. They told me not until Sept '08. Guess what? It's September and I am canceling now.
Ponie on 09/08/2008:
Are you trying to submit a claim for medical charges to Aflac? I've heard Aflac doesn't pay these type charges. They pay $$ for time lost from work.

jktshff1, you've got your little 'animals' mixed up. That's the gecko that sells car insurance. :)
jktshff1 on 09/08/2008:
thanks ponie, the duck does medical also?
Oklahoma5 on 11/03/2008:
Aflac does pay for spider bites on the accident policy. Why don't you call Aflac corp for verification of the receipt of your claim? 1-800-992-3522

ejack053824 on 11/03/2008:
I've been injured and have a big crack in my this covered? LOL!!
DebtorBasher on 11/04/2008:
I don't know of any insurance companies that would allow people to cancle before the re-enrollment period. This is for their protection to prevent people from taking insurance only when they need it, then canceling it after they get what they want.
Anonymous on 11/04/2008:
I can cancel my auto insurance anytime I want. I cancel my homeowners insurance anytime I want. I can cancel my health insurance anytime I want. What the heck are you talking about Basher. You like live in bizarro world or something.
Grtcvg4u on 12/02/2008:
Sometimes things happen, Agents are human beings. It sounds like your Agent is trying to help you and Aflac will pay you for that spider bite and any other valid claim you have in the future. This delay is not the norm, I can assure of that. And no, you cannot legally cancel your policy until open enrollment, that is not an AFLAC rule, that is an IRS rule and your employer would be liable if you canceled your policy mid plan year.
Frankferrari35 on 12/05/2008:
I'm going to be honest I am an Aflac in the Bronx and Iv'e personally seen the Cancer Plan pay one of my clients $90,000 in one year and the Accident $3,000 after owning the plan only 2 weeks. Woman with the spider bite I don't know what agent helped you but I know that I help my clients to the fullest and I have never had problems getting them their money. Honestly I can understand how you can be angry but it's a simple two page claim form and you get your money in less than a week you should have been able to do it yourself but that's why I give my clients my cell number in case of any problem. I am happy I work for a company that helps people when they need it,especially when people are thanking me saying "thank god I had Aflac, your the best"
****If received through the company at a group rate it is so damn worth it it's not even funny****
AngelicaW on 01/18/2009:
Actually, you can cancel anytime you want. As long as your policy is not paid as pre-tax through your employer. If it is set up this way, then you can cancel outside of open enrollment as long as your company authorizes it by way of a letter on company letterhead. This is not Aflac's rule, it has to do with the way companies pay wages and use pre-taxed dollars for benefits such as insurance. As long as your company writes a letter on your behalf allowing you to cancel outside of open enrollment, attach your own letter requesting the cancellation and fax it to: 800-448-8922. And as for agents not faxing things in to the main claims line, its always best in my opinion to cut out the middle man and fax your claims directly to 877-442-3522. And as for the second comment up there, no, Aflac does not solely offer Short Term Disability...
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Aflac is a joke.
Posted by on
I have been paying Aflac for ten years and never had to make a claim. When the time came that I did need them, it has been a wild goose chase that has been going on for months. I have paid in over ten thousand dollars and I get no help what so ever from their customer support. It's the same runaround week after week. No end in sight. Save your money. Avoid Aflac at all cost.
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Anonymous on 10/26/2009:
Exactly WHAT is the claim for? What does your insurance policy say?
emmac on 10/26/2009:
We've had afflac to and made claims without any problems at all. Sorry for the inconvience. You might want to take another look at your policy.
laklisa on 10/26/2009:
Did anyone else catch the phrase "wild goose chase"? I giggled a few minutes over that one, considering that Aflac uses a goose for their commercials?
MSCANTBEWRONG on 10/26/2009:
Actually they use a duck...but a funny "no pun intended" moment.
laklisa on 10/26/2009:
Duck...goose...still funny :) Hope you get help fire from Aflac!
Prv8J0k3r on 12/24/2009:
You need to contact your agent not customer service. I'm an agent and anytime I enroll anybody I always tell them to contact me whenever they have a claim to make. This kind of instance is exactly why you have an agent utilize his knowledge and experience, it can make all of the difference in getting a claim filed and paid. If you don't know who your agent is contact the HR dept at your work or go to and click on find an agent and it will give you every office in a 50 mile radius. Agents don't mind filing claims...the money isn't coming out of our pockets and it's only going to make our clients happy. The longest I have ever seen it take to pay a properly filed claim is 7 days.
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Filing Claims Or Denied Claims Or Delayed Claims Due To Run Around Techniques
Posted by on
SOUTH CAROLINA -- If you have problems getting claim paid from any insurance company follow these steps...

1st when dialing in to home office ask for supervisor of claims.

2nd go up chain of command if necessary.

3rd if not satisfied write a letter to company about claims and finally file a complaint with your States insurance Commissioner the last is a legal consultation... Any insurance policy should state clearly that they "promise to pay"
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jktshff1 on 04/19/2008:
The policy should state what they promise to pay for.
sabletaz on 04/19/2008:
I agree with jktshff1...
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Aflac - 72 hr Turnaround on claims
Posted by on
COLUMBUS, GEORGIA -- I recently filed a claim with Aflac and I was expecting it to take 2-3 mos to get my check. Imagine my surprise when about 3 days later I was looking at a Claims Check made out to me from Aflac!
Wow! That was fast! Great Job, Guys! Keep up the good work!

I don't what that other ladies problem was, perhaps she failed to read her policy. I know when I first got mine, I thought if my accident policy had a hospital benefit that it would cover me for any trip to the hospital. It wasn't until I read my policy, that I realized that like a tool, my policy had a right and wrong way to be used.
Thank God, I didn't listen to that lady and cancel my policies. Otherwise I would have really been up a creek...without my DUCK!
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WordToTheWise on 01/29/2007:
Hmmmmm. I see that you are from Columbus. Would that be Columbus, Georgia, aka Aflacville since that is where their worldwide headquarters is? I believe Aflac stands for American Family Life Assurance of COLUMBUS. I also noticed you used some technical jargon in your post...would that post have any vested interest???
Of course it does.
Dave R on 03/20/2008:
I am not from Columbus, GA. I live on the West Coast. I am also an AFLAC rep, and have been for almost 10 years so nothing to hide here. On the West Coast it takes a few more days vis snail mail. Each claim can take a different amount of time to complete. Over the years it seems as though AFLAC has put a priority on Cancer claims and disability claims. I assist my clients with their claims about 75% of the time. Some are more independent that others and require less assistance. I have noticed that most complaints come from individuals that are trying to manage their own claims, in other words, not being assisted by the agent that sold them their policy. My first suggestion to anyone that is having trouble with a claim is to make your agent earn his/her money. They got paid a commission and renewals to sell you your insurance policy, they earn that money when you have a claim. Keep that in mind if you are considering adding AFLAC insurance. If you are buying a car, be sure to go to a car lot with a good reputation. The sales pitch might be good and sound awesome, but its the follow-up service that will keep you happy.
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