Aflac Insurance Consumer Reviews - Page 3

COLUMBUS, GEORGIA -- I have had Aflac short term disability and cancer supplemental insurance for years and have always had a great experience every time I submitted a claim. I have had to use the short term on 3 different occasions over the last 7 years and never had any issues with getting paid in a timely manner. Most recently I have been diagnosed with a rare disease that has had me out of work for 7 months and Aflac has paid me without any question every time I submitted a claim or continuing disability claim.

In reading some of the complaints that have been submitted it sounds as if the contract that was presented to you was never read. It states in the first few paragraphs that there is a waiting period for the policy, mine is a 14 day one, so I didn't get any payment for the first 14 days I was out of work. In fact if I recall the salesperson that went over the plan with me before I signed up said I had choices on which waiting period I needed. He also showed me what, based on my salary, the daily payment rate would be to me if I were to become disabled. It also will state in the contract the cancellation terms.

So no matter what plan you go with if you don't read the terms before signing on the dotted line then don't get upset with the company when they follow them and don't pay you for that waiting period time. I also don't understand why any reputable doctor wouldn't be able to fill out their portion of the claim form. All it asks for it the SIC code of your illness which any real doctor should know and what date the doctor expects you to return to work. If a doctor can't fill those simple questions out then you should probably find another doctor.

The forms Aflac has you fill out are easy compared to the ones that the State Disability has. The claim form for the state I live in are 3 pages long asking all kinds of questions to the doctor. Even the continuing forms for the state are harder than the forms Aflac has. I am sure that Aflac has salespeople that are unscrupulous just like any other company and those people will try to scam you into buying as many policies as possible but once again it's up to the patient to know what policy is going to be beneficial to them not someone else telling what you need.

I think Aflac is a great company and a great supplemental insurance to have when you need a little extra help with paying the bills when you are out of work due to illness or injury. I would recommend it to anyone. No I don't work for Aflac. I am a legitimate customer of theirs in case any of those not so bright complainants are wondering.

SANTA ROSA, CALIFORNIA -- I have been an Aflac policy holder for over 10 years with a cancer policy. I have never had a problem with being reimbursed annually for my preventive procedures. Recently, due to a bank error, my monthly premium payment bounced and I did not know about it until my next bank statement. Aflac waited over 6 weeks to send me correspondence which I responded to immediately and they cancelled my policy anyway for lack of payment.

After numerous phone calls and letters I was told I could get it reinstated with a payment and completion of a very long reinstatement form. I made that payment and filled out the very long form and just today received a refund check (they did cash my check) stating that I had not signed somewhere in the 30+ pages they send to me to complete. So now they are saying I have to complete the 30+ pieces of paperwork and send another check.

This administrative nightmare is over a whopping total of $18.30 which was the monthly payment owed. I now have decided to see this as a "blessing in disguise". I will be cashing the refund check and allowing the policy to lapse. Clearly if Aflac cannot handle this simple problem where I am trying to "give" them money without it taking 6 months, 3 letters, and at least a dozen phone calls then how could I possibly hope to get any help from them if I ever have a claim when I am ill?

Just in case the person reading this thinks I am just a "complainer", rest assured that I did everything I could to try to resolve this problem (locally and nationally) but have decided to give up. My bank, which was the original source of the problem, took my calls, admitted they made an error and handled their end of it within 24 hours. I had one other autopayment to a credit card company that was also affected. They took my calls and took care of the situation within 24 hours.

I have over 30 years of experience running large customer service departments and am currently a small business consultant. If you are considering Aflac, don't. When you are ill you'll need a company that is helpful, not one that never answers the phone, returns calls, or swamps you with unnecessary paperwork. Go find an insurance company where the claims and paperwork are handled locally; that's what I plan to do.

RICHMOND, INDIANA -- Typical post from an idiot who receives a check from Aflac in three days and therefore anyone who has a complaint is a fool. What a moron! Aflac sucks. Just try to contact the call center. Be sure to block out about 60 or 70 minutes of your day though. I have always suspected there were only three phones at the call center and two people answering. You do all of the paperwork for them and they simply decide whether they want to pay or not.

My policy was not cheap and by the time I make all of the trips to get paperwork filled out and signed and then faxed, it definitely comes out in their favor. Aflac has lied to me on numerous occasions and if I hadn't kept detailed records, they would have screwed me bad. Go cash your Aflac check, fool. But let me assure you that they're not doing you any great favor.

AUSTIN, TEXAS -- It's funny they advertise approving claims within 4 days. Took them a month to say they got the paperwork I had sent in twice. Maybe 20 phone calls and at least 10 different reasons of why they did not have it or one of the times they said they only received a claim form and no other paperwork. Then later on another call they said they had received the paperwork. They finally send a check for 500.00 and they did not pay for something I sent paperwork in for.

I called again and she goes "You're right we did not pay you for that." So a week or 2 later I get another check of 250.00. Someone I know who had the same exact accident and surgery has received or 1000.00 so far and he did not submit the paperwork they had forgot to pay me for. AFLAC IS A WASTE OF TIME AND MONEY. You would be BETTER OFF SAVING MONEY IN YOUR OWN ACCOUNT THAN PAYING THEM.

COLUMBIA, SOUTH CAROLINA -- In November 2011 I signed up for the Aflac critical illness and hospital indemnity plans after hearing their spill during my company insurance sign up. At the time I was seeing a cancer doctor for MDS [a form of bone marrow cancer] and informed the sales reps of it and was told if I signed up during the registration Aflac was waiving all pre-existing conditions but if I did had a pre-existing condition I would need to wait 6 months before filing a claim.

In January I was diagnosed with MDS and filed a claim in May 2012. My claim was denied because Aflac stated there was no evidence to support my condition as being malignant. I appealed and was denied a 2nd time because of it being a pre-existing condition because I was being seen by a doctor at the time I signed up. I contacted my company representative for Aflac back in November 2012 and was told I was misinformed but to send her the paperwork and she'd try to push my 2nd appeal through.

As of March 18th nothing has been done, so on the 24th I filed complaints with the BBB, Idaho Department of Insurance, Idaho Attorney General, and my company HR department. I also sent my complaint to a local TV investigative team. I am telling others about this because I believe a company should stand behind their what they say and Aflac isn't. I have even sent Aflac 2 letters from individuals present in the meeting that heard the sales reps tell me Aflac would waive any pre-existing conditions.

My effective date was 11/1/2010 and I went to the doctor for a CONSULT on the 23rd and was not diagnosed with anything. I had a diagnostic test done on 12/2. My claim was denied because AFLAC said that I was diagnosed on the 23. I got my records I wasn't diagnosed with anything. So I called them and asked why exactly my claim got denied. Because I was diagnosed. I asked with what? "Please hold," and I held for 1.5 minutes. "Oh you were treated...."

No I wasn't. What was I treated for? "Oh please hold for another minute." So I did. "Oh you can't have a sickness within that 30 day waiting period." SO apparently you can't even see the doctor for a visit within that 30 days...it's a scam. Wouldn't pay for this crap. So now I'm out $500+ and I got denied. What a great company.

PENNSYLVANIA -- As I write this review I am in pain and uncomfortable as well as irritated. I have 3 Aflac policies... One through work and two from several years ago. The one I am complaining about is Short Term Disability which costs me 23.00 every pay or between 40 and 60 per month. It is for 1500 month policy. Less than half of what I earn but enough to keep the lights on. If they would actually give it to you. I am going back to work next week and Aflac is still claiming they have work on my claim to do.

I planned the surgery I had done to the best of my ability, and they have done nothing but cause stress. Needless to say I'm not thinking everything is just fine like the sales men and the advertising suggests. It's been a pain in the butt to say the least of the expense and their policies. I will be dropping them as soon as I get my check...if I get my check. And I will be telling everyone at my county job to do the same! I feel like duck for dinner tonight, but it looks like leftovers by candlelight for me!!!

IOWA -- Our company started with Aflac in early 2007. The rep here is good, but even he was frustrated at how incompetent the corporate office has become. I will explain. Each time we had an employee drop the plan it took months for AFLAC Corp to remove them from the billing. So we paid the billing short with a copy of the dropped status a check with the account number listed in the memo portion of the check.

November, December of 2007, January and February of 2008 they cashed the checks but in turn sent everyone in our company a letter stating that the company has failed to make the payments and their insurance will lapse unless they pay ALAC directly. They sent our company a notice for those months also that they were canceling our policy due to nonpayment.

We have been in numerous phone conversations with the rep and their corporate office. The rep understands but the corporate people can't figure out the problem. Needless to say we are now canceling what I think is a decent policy, but incompetence can ruin a company. I would not invest in their stock or their product until they get control of their corporate office.

I recently experienced a difficult surgery that confined me to my home and rehabilitation. I was not able to work and it took time for me to take care of myself. Thanks to Aflac, I was able to pay some bills that relieved my stress. This is not the only time I have been helped. When I received treatment for breast cancer in Houston, Aflac was also there to assist me with treatment expenses and travel. Now that I am a senior, I'm thankful for the purchase of my three insurances with Aflac in my younger years. Thank you, thank you!!!

AFLAC came to my place of business in the intention on picking up customers in the middle of 2009. The agent I talked with at this particular time explained to me all the particulars of my policy. I had to have surgery on my foot in May 2010. Before I had surgery I called AFLAC and inquired as to whether I would be covered for this particular surgery as it would mean I needed to be out of work and off my feet for at least 6 weeks.

I asked for a packet of information and all forms needed to present to my surgeon so I would be prepared paperwork-wise when I did have surgery. I was assured I was covered by the person I talked to at that time in the local office in Franklin, Virginia. My physicians sent all required completed paperwork to AFLAC at least 6 times. On July 6, 2010 I called the main office and asked what the problem was when I did not receive any disability payment. I was informed at that time my policy had been rescinded and would be issued a check for the premiums I had been having taken out of my bi-weekly paycheck.

I called the main office today July 20, 2010 and was told I would only receive one day of disability pay. I plan on contacting the BBB as well as many governmental departments to report AFLAC for this travesty. My advice to anyone who is contemplating AFLAC-DON'T. They scam people while collecting your money and making promises they do not intend to keep.