I have had Aflac for 5 years and it has paid out every time I have needed it. I worked for a school district in California and if you get hurt while off the job, you cannot get state disability because school employees do not pay into it. I took out Aflac and it has been awesome. When I left the school district, I took my coverage with me to my next job. I would not be without it. It's easy to use, I have always filled out the papers myself, turned my paperwork into my doctor and my work and faxed the paperwork in myself, within a few days the claim will be processed and I receive my check. I love it. :)
My mother had a stroke on the 18th of October 2010. I received the paperwork to file for her short term disability, and after having to pay the doctor $300 to get it filled out, I submitted it to Aflac. By mid-November they had sent a check but the amount was only $240, not even remotely close to what it should have been. As it turned out, they only prorated the payment from the date of the stroke to the 30th of October when the doctor signed the form. A question regarding when she would be going back to work was left blank by the doctor because she won't be returning to work.
After taking the form back to the doctor to fill out he question on the form, I faxed it back to Aflac. Aflac then said there was white out on the form so they did not pay. Then in December I had her transferred to another hospital, and the doctor then filled out another form for me, which I faxed on the 23rd of December. They claimed they never received it. It was then faxed again in January, finally they said they cut a check on the 11th of January, it is now February 2nd and nothing.
Amazingly enough I received everything else from Aflac but somehow the check gets "lost". Now they say in order to reissue another check, they need my mother's authorization. I find all of this very frustrating because in the mean time, I'm the one paying my mothers COBRA premiums on my teaching salary. These people pay into these policies and trust they will be there when they need to use them, how shameful that it should take so much just to get what is theirs by right. I would rather someone just come out and say "we're not going to pay your mother" than to just have people continue to lie to me.
Now I have to figure out a way to put my disabled mother, whose speech is slurred from the stroke, on the phone with an Aflac representative to tell them she authorizes them to re-issue a check. How about a little common sense - why wouldn't someone re-issue a check, why does it need an authorization? Just do the right thing for God's sakes Aflac!!! Do the right thing!! Seriously I don't want to have to get an attorney, but if that's what it takes to do right by my mother, I will!
I am very disappointed and feel I was lied to and scammed to believe Aflac is something great when in fact it is NOT! Like normal, a representative came out and presented all the Aflac policies to me and my co-workers. ** made them sound great! I had been having trouble with my hands, so when he asked if I would be interested in Short-Term Disability, I let him know that my hands are falling asleep a lot and I think it might be due to carpal tunnel syndrome. He told me that I should definitely get it but I have to wait until June to get the surgery done (this was in January) so it does not seem as pre-exsisting. I told him I would.
I did not get the surgery done until August and was told today, after waiting over 30 days, that my claim has been denied because in April I went to the doctor for symptoms of my hand falling asleep. He made it clear I had to wait until June to get the surgery done which was fine, but I asked him at least 3 times if I go to the doctor will I get denied, and he repeatedly told me NO. I was LIED to!
Now I am responsible for a $4,000.00 bill and not paid a dime for any lost wages. I am disgusted and cancelled my policy right away. Oh and I have another policy with them and was told I have to wait 90 days before the end of the year to cancel but was never told that when I signed up. So now they are continuing to take my money and I don't get crap from them. Nice. Horrible. DO NOT sign up! All you will get from Aflac is stress and a headache!
COLUMBUS, GEORGIA -- The female, I am not going to call her a lady, made AFLAC the next coming. Well jumping ahead one year. A doctor at the VA hospital diagnosed me as being in the first stage of kidney failure. My kidneys are working at a level 3. That was in May of this year. Because I drive for a living, I can't drive. I've been out of work since June 20th of this year.
I called my AFLAC representative about three times she return my call once. When I told her about the trouble I was having, she was going to check her resource and would call me back later that evening or the next day. I guess now my science is not what it used to be but 24 hours should have past at least a couple of months ago.
Now my next step was to call a local office in Houston, Texas - 713 677 0760. I was told that the person was out of town and would be back the following Monday anyway, no call. Is there somebody we can call, like the State Attorney General's office?
FORT COLLINS, COLORADO -- I have needed to use my AFLAC insurance twice over the last 10 years and I cannot say enough GOOD things about their response: FAST payment, MORE money than I thought would be paid, NO HASSLE! The first time I needed it, I was ill because of a pregnancy.
AFLAC does have a waiting period from sign-up to maternity leave (so that you don't sign-up just because you're pregnant). But, this medical leave was during a pregnancy and within 2 weeks of filing my doctor's paperwork (which was simple paperwork), I had a check in hand via the mail. Then after I gave birth, they were "johnny-on-the-spot" again with the check for my maternity leave (coverage of 6 weeks, if I recall correctly).
BTW: I let the policy lapse for a year, and during that year, I was out on a different medical leave. I really missed that coverage (could have used the income replacement), so AS SOON as I was back at work, I renewed my coverage and I will never let it lapse again (that was 3 years ago)!
COLUMBUS, GEORGIA -- I was talked into getting Aflac by my co-workers. I just found out that I have a brain tumor that needs surgery. this was scheduled and I continued to work until my doctor felt I could no longer do my job. I was told by my doctor that he wanted me off work and I asked for some time to give my employer time to adjust my work load. He gave me two weeks.
I received the forms from my agent who said to have the doctor and my employer fill them out. He said that Aflac can't receive them prior to my date of disability but to send them to him and he would forward on my date of disability which he did. I was told that there was a one week waiting period. On the 7th day I received a letter from Aflac stating that they needed a completed form from my employer and physician. This was completed two weeks prior and forwarded by my agent in on my date of disability.
I called and spoke with a representative who said they received the papers but were not accepted because the date the doctor and my employer signed them was prior to the date of disability! Are you kidding me??? The first question on the form asks " first date of disability". What does it matter when they signed the papers??? I asked them to show me where in the policy it states this and was told it doesn't. When I questioned them, they said it was on the form requirement.
They are making my doctor and my employer refill the form just so they can change the date they signed it. OMG!!! All they needed to do was call my doctor and employer and verify but NOOOOO, I have to do the work for them. They refused to pass me on to a manager or to the audit department. They are an uncaring and unfeeling company and the representatives remind me of Spock.
I had a horrifying experience with Aflac. I was pregnant when I signed up for a policy. I was assured by the sales representative in front of my employees that if anything went wrong, I would be covered throughout my pregnancy. This was not the case...
Upon experiencing severe abdominal pain, I was informed by my doctor that it was either my own and my child's life or my job...they were unsure of exactly what was wrong with me. Waiting for my claim to be processed was a very difficult time. I did not lose my home once but twice in this period of time. So not only was I jobless, I was pregnant and homeless. I became so far behind in my bills, I have never truly been able to catch up - still struggling to pay my car payments.
When I filed a claim, I was told that pregnancy is a pre-existing condition but it was not the pregnancy. My gall bladder had become so filled with stones, they were escaping and causing me severe discomfort, breathing problems, and difficulty moving. However the true root of the problem was not discovered until the morning after I gave birth.
I re-submitted my claim at this time, praying they would approve it because I never had any gall bladder issues, but once again was denied they stated that mental issues were not covered. It was not mental issues, it was my gall bladder. They did not process my claim correctly! When I called them they did not offer any explanation, only that I was denied. I was so frustrated by that time I was unable to find a lawyer that had any experience in dealing with this type of claim.
I am very disappointed in this company and its methods of getting people signed up. I was assured that if anything new came up I would be covered. I do not suggest buying into their policies! I am still suffering from the lack of income during that period of time.
AFLAC DOES NOT LIVE UP TO THEIR HYPE!!! Put in a claim for Short-Term Disability on 4/9/14 and received confirmation that it was received and am still waiting for payment or updates on the status!! Have tried to call to speak with them for TWO DAYS now, but yesterday they COMPLETELY CLOSED their CLAIMS Customer Service for a HALF the day for a meeting and are now closed entirely today for Good Friday! This from the company who's big ad campaign right now is all about how fast people receive payment for their claims!!
They are putting my health and my family's well-being at risk by their actions with my claim. Their payment is my only source of income because I can't work due to my illness and I have nothing until they live up to their end of my policy and pay out my claim! I say extremely poor customer service and one VERY UNHAPPY CUSTOMER!!
INDIANA -- I was diagnosed 10 years ago with hip dysplasia. I was told some day I would need a hip replacement. I want to have that surgery in the next two possibly three years. I do not have Aflac, but I'm considering purchasing it in anticipation of this future surgery. Will Aflac pay such a claim and if so, how long do I have to hold the policy before I can make this claim?
COLOMBUS, GEORGIA -- Aflac works! I purchased coverage for my spouse and me many years ago. It was the best decision I made. In the past 5 years, he has been hospitalized many times for a heart condition. Following each visit, I submitted the required hospital records and doctors form and within 5-7 days received checks. No questions asked!
Last February, I had a fall from the icy running board of a truck. My knee was damaged and I had to have knee replacement. I applied for my short-term disability and have been out of work for 4 months with two more, possibly to go, and the checks arrived as promised. I know of many people that have wonderful Aflac rescue stories. So to the naysayers, I say contact your agent directly or a regional office and get help because Aflac works!