Aflac Short Term Disability

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Aflac you should be ashamed of yourselves!!
Posted by on
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 mothers 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 reissue a check. How about a little common sense, why wouldn't someone reissue 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!
     
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Chris on 2012-02-14:
Kelly25... get a lawyer. The same thing happened to me when I had hernia surgery and tried to collect from my Aflac disablity and accident policies. I was off work for over a month and they did send me approx 700 dollars on my disablity claim, but my accident policy listed open hernia repair as a flat $1250 pay out. They never paid, they just kept requesting more information from my doctor. After going 30 miles to the doctors office and sitting in the waiting area for hours, I would fax the information to them only to receive the same letter in the mail time after time. I finally called and told them they needed to get the information themselves - I was tired of doing their job for them. They denied my claim approx a week later. You think you are having trouble trying to collect on your policy - just wait til you try and cancel your policy... I had to go to a lawyer to finally get them to cancel my policy and quit taking money out of my paycheck - The way they are treating you is not stupidity or laziness.... It's a methodical and intended way to wear you down and get you to do like me... just finally say "It's not worth my blood pressure going through the roof in order to deal with creeps like this." If anyone does a class-action suit against these criminals - I will be willing to join! - I will pray for your Mom!
Darlene on 2014-02-27:
We have had a bad experience with Aflac as well. We sent our claim in on January 2nd, three weeks later we still had not heard from them. My husband called and they said that they were behind because of mlk holiday. When it did come it was not the right amount, we called and they said to send more paper work. So we did. Another small check came and it is still not right!! So frustrating. Very disappointed
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Unsympathetic Customer Service
Posted by on
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 Dr felt I could no longer do my job. I was told by my Dr 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 Dr 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 forwrded 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 Dr 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 Dr 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 Dr 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.
     
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Anonymous on 2011-04-13:
The reasons the forms can not be completed by your employer and physician is because disability status can change. If a person has a surgery scheduled and is working until the surgery date then there is always the possibility that the surgery may be postponed for whatever reason. Aflac reps do not deny you access to speak to a supervisor. They probably told you that a supervisor well tell you the same thing they did. Supervisors can not change the policy requirements. The claims auditors can not take phone calls because there job is to process claims. If something needs to be comminicated to them then that is the CSR's job to inform them. You are not doing their job by getting the paperwork. That is your responsibility to be sure the proper paperwork gets turned in. They will gladly help you if you submitted an authorization form. In fact, federal law requires they have an authorization to request your information. However, it is a much quicker process that you get it yourself. Please understand that the people you talk to have a very difficult job. It is very difficult trying to help someone who wants to yell at you, talk over you and interrupting you while you are trying to talk and argue about everything.
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Very Disappointed!!
Posted by on
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. Eric 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 Dr. 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 Dr will I get denied and he repeatedly told me NO. I was LIED too! 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!
     
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Anonymous on 2010-09-15:
"does not seem as pre-exsisting"
clutzycook on 2010-09-15:
there's always a waiting period before insurances like that will pay for anything. If it's diagnosed before the waiting period expires, it's classified as pre-existing and they won't cover it no matter when you have it treated.
Anonymous on 2010-09-15:
I though pre-existing conditions were outlawed by obamacare?
Nohandle on 2010-09-15:
A representative came to your place of business and you mentioned you were already having problems. He suggested you sign up, knowing you had a problem, and you were home free at that point. All you had to do was wait for an approximate 6 months to have the surgery done so you would be fully covered. Do I have it right at this point? It appears to me you knew you had a problem beforehand and were led to believe your lost wages would be reimbursed if you waited for the surgery. Is this correct? If so, it appears you thought you would be reimbursed, so signed up. Shame on you.

We offer AFLAC at my office for anyone interested. The company pays NO portion of the premium, it's just a deduction from their payroll check. The company also receives no kickback, if that's what it's called. A check is sent in monthly for all employees who signed up. If they decide to cancel for whatever reason then the deduction is not made after that point. We do have to wait until the end of the current month.

I've never heard of being told you must wait 90 days to cancel. You really need to check into the agent and not blame AFLAC. It appears he is full of it. Request your company do this.
olie on 2010-09-15:
Did the surgery work? Your typing is excellent.
Charlie007 on 2011-03-14:
I too was recently visited by an Aflac agent and I signed up for a Short-Term Disability policy. When I signed up, the agent gave me a brochure specifically for that policy (the green brochure). Luckily, I do not have anything that is pre-existing that I would need to conceal. However, I am accident prone and want to make sure that my family and finances are protected when/if something happens.
This post compelled me to really understand what I am paying for. So I opened the brochure and READ it. Clearly stated in the material provided by the agent was:
“Pre-Existing Condition Limitations: A Pre-Existing Condition is an illness, disease, infection, disorder, or injury for which, with-in the six-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Disability caused by a Pre-Existing Condition or reinjuries to a Pre-Existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage.” -Aflac form A57575
Your doctor must have told Aflac the truth; your issue was “pre-existing.”
The blame of “shame” is absolutely misdirected.
Skye on 2011-03-14:
I have Aflac through my work. Your absolutely correct Charlie, there are limitations for the first six months. It's always wise to read everything before signing anything, to protect yourself and educate yourself.
Darlene Ulozas on 2011-11-07:
Be careful what you are told by the representative. The fine print in my contract was VERY different than was told to me verbally. Luckily I read all fine print in all my mail.
fraud on 2013-01-23:
Yup, if you had tried to claim a prexisting condition as new, that is considered insurance fraud.
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StarStarStarStarStar
I Love My Aflac
Posted by on
Rating: 5/51
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 can not 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 :)
     
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Alain on 2012-11-01:
My wife has Aflac short term, as well. on the one occasion she needed it, they were prompt, easy to file with and provided excellent consumer service in general. Looks like they did a good job for you, too.
Brenda Spath on 2013-03-31:
I have had AFLAC since approximately 2003 and when I signed up for it I really didn't think I needed the cancer policy but the agent let me know how important that one is so I went ahead and signed up for that one too.
Well, in 2010 I was diagnosed with Stage 4 Small Cell Carcenoma Lung Cancer. I am here to tell you without AFLAC, I would have not been able to pay any of the medical bills that were not covered by my health insurance and would have most lilely lost my house and my car.
Thank you AFLAC for saving my stuff! I tell anyone and everyone that will listen to me about how great AFLAC has been for me!
Thank you AFLAC and I will never be without it!
Brenda Lambert on 2013-10-17:
Love Aflac. I only had the policy for one month before having my fall which resulted in surgery. Without Aflac help I could not have made it through till payday. Thanks Aflac for saving my life
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What Happen To Companies That You Could Trust
Posted by on
Rating: 1/51
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 lease 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 generals office.
     
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Steven on 2012-08-13:
I'm sorry about your condition, I hope you are able to get better. If you have a disability policy, you can submit an initial disability claim form which is a 4 page form, which includes 1 page for your employer to fill out and two pages for your doctor. You can also call their customer service at 1-800-992-3522. No need to contact the attorney general, the customer service reps are glad to help anyway they can.
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Great!
Posted by on
Rating: 5/51
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)!
     
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Aflac is not all its quacked up to be
Posted by on
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 childs 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 preexhisting 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 resubmitted 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.
     
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Alain on 2010-06-17:
You might want to talk to your state's insurance commission. They will often review cases like this.
CaptainSpaulding on 2010-06-17:
I would never trust a company that uses as its logo and advertising icon, a duck with the voice of that irritating pest, Gilbert Gottfried!
PodMonkey on 2010-06-20:
So... is gall stones an issue with pregnancy? I'm confused.

Also, if you're going to base your insurance decisions on the appearance of a logo which is designed to be remembered, then you're a fool.
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Aflac Does Not Live Up To Their Hype!!
Posted by on
Rating: 1/51
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!!
     
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Aflac works
Posted by on
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!
     
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MSCANTBEWRONG on 2009-11-09:
Thanks for the review. Nice to hear positives!!
chris on 2012-02-14:
Maybe it was because you have an agent that does his or her job and actually is honest... if you have to call the company or send anything directly to the company, you are fodder for the cannon... if you don't believe just try it. Submit one claim directly to the company without going through a buddy-agent, then repost your experience. AFLAC SUCKS!
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Will Aflac pay on a hip replacement surgery on a pre-existing hip dysplasia condition?
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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?
     
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Skye on 2010-07-25:
The only one who can answer this question for you, woud be AFLAC. I don't think this is a question that can be generally answered by anyone, other than Aflac. Just give them a call and speak with them.
JumpinJ on 2010-07-25:
I have health insurance that will cover the cost of the surgery itself - that is not an issue. My question is would this claim on a pre-exisiting condition on a new Short Term Disability policy through Aflac be honored or denied?
Skye on 2010-07-25:
I apologize, I first read your review differently. Again, what you are asking, only they can answer. You need to speak with them about the concerns you have.
Skye on 2010-07-25:
OP, I was just thinking about something. When I signed up in 2001 for short term disability insurance, through my job, I don't think the Aflac representative asked me if I had any pre-existing conditions. Of course this was 9 years ago.
clutzycook on 2010-07-26:
I imagine they will with proper documentation from your physician. Call Aflac and find out, though.
Aflac4ALL on 2010-09-30:
I am a licensed Indiana Aflac agent. First of all, does your employer offer Aflac or do you own your own business? Aflac's Short Term Disability policy is only offered through businesses and not on a direct consumer basis. The application will ask if you had been diagnosed or recommended to have surgery that has not yet occurred. You will need to list it the type of surgury recommended and underwriting will review it and advise what to do. It is not a denial upon application as you will most likely be covered under the policy for other future disabilities as well but for pre-existing conditions as a general rule, you will need to wait over 12 months under the policy for your particular surgery. The clause is as follows pertaining to pre existing conditions for Indiana policyholders in regards to your question: Pre-Existing Condition Limitations: A Pre-Existing Condition is an illness, disease, infection, disorder,
condition, or injury for which, within the 12-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would
ordinarily cause a prudent person to seek diagnosis, care, or treatment. Disability caused by a Pre-Existing Condition or reinjuries to a Pre-Existing Condition, including deliveries for children conceived prior to the Effective Date of coverage, will not be covered unless it begins more than 12 months after the Effective Date of coverage. If you would like any additional help in setting it up through your employer or if you have any other questions, please feel free to contact me at: 847/738-2205. There also is a hospital plan that can be purchased directly that would cover you but you would need to wait 6 months before your surgery could be paid. Hope this helps. Regards, Joanna
Xylie on 2010-11-12:
I have read several times in this thread/reviews that "Pre-Existing" is not,are not,will be denied,period.The Aflac etc insurance people/agents that say to wait,blah blah,just want a policy.You have the surgery,then guess what?You get stuck with the huge huge bill and have to pay it.Wait till obama care kicks in,or go on disability or medicare and get addition coverage,but make darn sure it pays.We pay $220.00 a month for my hubby,with a pre existing heart condition/4 way by pass in 1987,and it is through AARP and is United Health Care.They pay 100% of everything.We never pay 1 dime on anything.We've NEVER had 1 problem.He's 84 now.
oars81 on 2010-11-15:
Each state has different policy language, but I believe in most states that the benefit would be payable after the described waiting period on pre-existing conditions. I believe that Xylie has absolutely no idea what she is talking about. contact a local agent and they will fill you in on your states details
Colleen on 2013-08-14:
I have read your post and all the others and I just had surgery done in July and was told by Aflac that my surgery was due to a pre existing condition. And that was because I consulted with a doctor back in 2012 and so now I was denied and have to ask my doctor to let me go back to work early from my recovery since I have no income coming in thanks to Aflac
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