Aflac Consumer Reviews - Page 2

EL DORADO HILLS, CALIFORNIA -- Every week, sometimes twice a week, another new face representing Aflac comes to waste our time trying to sell us door to door insurance. Each time we ask them not to return. They keep coming, a new person, normally 2, each time. I hate this company now, and by proxy, the people representing them. Each time I get more irritated, and next time I just might put the next solicitor's head through the glass door. If you work for Aflac selling insurance of all things door to door, you should really take a look at your life and be sad about the events that led you to work for Aflac. 1 star and I'm not a customer, nor will I ever be a customer now.

OHIO -- When getting ready to have my second child I called Aflac to make sure everything was good to go on my policy on regards to maternity leave. They were also made aware that I no longer worked at my recent job and that I would be paying out of pocket for insurance. So for 10 months following me not working there you collected money. I then called multiple times to confirm what I had to do to receive maternity leave pay. Each agent said everything was good to go and even gave a date when to expect first check. Well when that date came I was told no I would receive nothing. You guys took my money under the premise that I would receive benefits as promised. You guys were dishonest and have zero integrity. Maternity leave was the main reason I got Aflac.

To ask for every dollar I paid into this is the least you could do to fix the horrible lie every agent told me. I am going to leave a review on every site I can so everyone knows Aflac is too good to be true.

You crooks for taking money under false pretense and liars for confirming this lie every time we talked on the phone. I will never get Aflac again. I would like a complete refund of any and all money you received. I was pregnant and had this to help me get by. That is pathetic. You kicked me while I was down and that is low.

WI, WISCONSIN -- After being in the hospital for sickness, I applied for my benefits from Aflac. They gave me the typical runaround. It took over 3 weeks once receiving my claim to even process it. It took numerous calls and email to customer service to get them to even look at it. At first, they blamed me for not doing a quick claim. Customer service then said that I could not file a quick claim on a short term disability claim.

Customer service agents could not give me a date when they would look at my claim. They could not give me the same date when they did receive my claim. It was a new computer system. The agent who sold the policy does not deal with claims. I had to contact the agent on my policy which was 600 miles away. I tried to call and email the agent. They did not return calls or my emails. Contacted my HR, who contacted the agent and to find out he does not handle any claims. I had to contact someone else in that office. You would think he would have forward my concerns to someone in the office.

I contacted a friend who sells Aflac and he says that Aflac should be paying me my claim. Aflac denied my claim saying I was not out the 8 days. Actually, by the selling person, I was out more than that. Nowhere in the policy I have or their standard policy online does it ever say 8 days. I dropped them, I used to have 3 policies with them. I now have none. Buyer be aware.

NORTH CAROLINA -- One of the "benefits" to the Hospital Indemnity coverage is a $50 "wellness benefit". What they DO NOT tell you is that it goes by year, NOT the fiscal year of your insurance plan-i.e. ours goes from July 1 to June 30. So when we did the first claims in June of last year, they did NOT pay for the one in Oct of this year.

Last year when I had a hospital claim, it took them THREE MONTHS to pay it and I felt like it was almost more pain than I was in at the hospital to get them to pay, even though they had MORE than enough to pay it from the beginning! Why did they have to have tiny details of how much the hospital charged when they had proof of me being there and how long and what for?? Of course they had to deny 2 or 3 times wanting more information. Their ads LIE about getting paid quickly!!!!

ST LOUIS, MISSOURI -- In January I filed a Critical Illness claim. The claim was approved for payout and was to be paid out via direct deposit. After several days and not seeing the deposit, I called customer service. After several, unsatisfactory, calls into customer service, one agent decided to verify the account number. It was at that point it was discovered THEY missed a number in the account number.

Now, how this could happen after receiving a voided check AND the account number on the direct deposit application is still a mystery to me. The agent placed a stop payment on the transaction. Then I was advised that the money could not be reissued to me until the transaction rejected back to them. That could take at least 5 to 7 business days; goodness knows how long it will take them to reissue the funds after they get them back. Why couldn't they issue the funds to me since we know it was their error; there is nothing to research! I am not doing anything fraudulent! They have ZERO clue when I would get my money. Funny, they haven't stop taking out the monthly premium while this is resolved. To put a cancer patient through all of this stress is simply unreal and uncaring.

PUEBLO, COLORADO -- I was hospitalized 11/20/18 at 10 a.m., and released 11/21/18 at 2 p.m. Had a heart procedure done because they thought I had a heart attack. According to our policy verbiage, in order to make a claim, you need to be admitted for at least 24 hours. The procedure I had done, was listed as being covered. My wife made a claim, and whomever did the data entry, screwed up the hours of care, and the claim was denied.

My wife and I then started the journey of getting every document requested by doctor and hospital. The hours of care were even listed. They again denied the claim. As of now, I am cancelling my "policy" simply because they are committing fraud. I'm filing a complaint with the BBB and will attempt to get my money back from this fraudulent company. We are also filing a fraud complaint with our State AG.

COLUMBUS, GEORGIA -- Family member became very ill after taking a prescribed medication while covered due to an allergic reaction. Also fell and struck head causing a subdural hematoma during the onset and prior to going to the Dr. which required surgery.

Several different employees of Aflac said she would be covered as sickness and fall/injuries occurred before her policy terminated. Kept getting the run around about filing more and more documents. End result was still being denied even after appeal. Beware process to get answers took 4 months from when injury occurred and final denial..they'll take your money from past 18 years and find every reason to deny a claim!!

ODESSA, TEXAS -- I had to comment because the comments here are not even close to what my family has experienced. My mother died of lung cancer in the 1980s. Aflac kept my dad from going into debt during this hard time. He actually ended up with MORE MONEY than they had to spend. It was such a relief to not add $$ burdens on top of the pain of watching a loved one die from cancer. They pained in a timely manner. 27 years later, my dad got lung cancer (neither were smokers) and the above scenario happened again. I can't say enough good things about this company.

PENNSYLVANIA -- I have submitted 2 claims with Aflac 1. regarding an accident, and the other regarding a death.

Both times they have made this process miserable. Not only does it take an act of God to get them to cover a claim. They require that you do all of this while you are grieving a loss.

As if you do not already have enough on your mind to deal with. I would send information, forms, documents several times, and always they needed more.

Do yourself a big favor and DO NOT USE THEM!!!!!!!! YOU WILL REGRET IT!!!!!
If I could give zero stars, I would

CHICAGO,IL, ILLINOIS -- I had a hysterectomy on 12/8/17. And sent in my claims. Aflac denined my claim stating this was a pre-existing condition. Which it was not. My doctor sent in all the doctors notes and other paperwork showing it was not a pre-existing condition and they have contuined to denine my claim. I have appealed this and spoken to a supervisor. I don't understand why they won't pay me out the money I am owed. I feel like no one is even looking at my paperwork. It's one excuse after another. Aflac appears to be a very shady company. I am off work for 6 weeks and I'm already stressed. But to deal with there horrible customer service and the auditor who never calls me or my doctor office back is even more stressful. Is there anyone that can help me? Or should I just cancel my policy all together