I have two policies with Aflac... short term disability and accident. After paying thousands of dollars over the years to Aflac I finally needed them this year when I hurt myself and had to have surgery for a hernia. I was off work for over a month and after many denials of my claims and several months, all I received was approx: 700 dollars.
My accident policy alone lists my hernia surgery as a 1200 dollar payout. I was so angry I called Aflac to cancel my insurance with them and was told that I couldn't cancel til the next open date which will be sometime in November... what's worse is she also said they would continue billing me right on through to next year and there was nothing I could do about it... I HATE Aflac!!!
MYRTLE BEACH, SOUTH CAROLINA -- I have AFLAC for my dental policy and although they are very easy to file a claim with, what you get back is pennies compared to what you spend. I had 1200 dollars worth of work done on 2 teeth and they only reimbursed me $75.00. Also I think that the way AFLAC works is insane. The fact that you have to pay in full for all your services first and then file a claim with AFLAC is crap. That is not the point of insurance. If I have the money to pay for my services why the hell do I need the insurance?! It just doesn't make sense. AFLAC needs to redo how they work things. My policy is up in April and I am cancelling immediately.
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 I 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 for got 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 -- I too heard the long drawn out sales pitch from an AFLAC representative who came to my work. I purchased 4 different coverages that they had covering everything from short-term disability to critical care. I became ill prior to 10/1/13 and missed my first day of work that day. I have been to specialists and had tons of tests in order to locate my health problem. I have filled out paperwork after paperwork with all of the doctors that I saw.
In 3 months and 8 days I have received 1 check for $433.00. They request paperwork, I complete or have completed and fax in. All of their letters state that claims will be processed within 7-14 days. Basically what that means is within that time they will figure out how else they can put you off without paying you. I contacted them today requesting the status of the money they owe me. They told me it would be 30 days and the last paperwork I sent them was on Dec. 27.
So, other-words, DO NOT count on getting your monies owed within a reasonable time at all. All of their commercials are a JOKE. If you do not have money in the bank you are screwed because you will definitely be starving and have had your power turned off and your car repossessed before that day comes. My health condition means that I will probably not be able to go back to work so counting on any type of peace of mind by having AFLAC is definitely out of the question and a complete farce!! Good luck if you bought into their crap and hope and pray that you will never have to use them.
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GLENDORA, CALIFORNIA -- I have the accident policy from Aflac for my whole family that essentially amounts to supplemental insurance over and above my regular Blue Cross plan. My 8 year old son broke out some front teeth doing flips on our trampoline this past year. A clear accident. We rushed him to the hospital to stop the bleeding, and then were sent to an orthodontist to handle the dental trauma.
After my Blue Cross paid, I was out $3,800 out of pocket. Upon submitting all paperwork and doctor's reports, Aflac only paid $105, citing the accident required dental treatment, which they do not cover. The agent stated, "If your son had broken his arm, we would have paid $3,500 for this claim, but broken teeth, only $105." Thanks Aflac for nothing! A complete waste of money.
I have had an AFLAC Accident policy with a sickness rider since 1998, and except for the $60.00 per year for my physical I have never made a claim on it. That was, until now. I had surgery in August, and then again in December. I was told by the agent that sold me the policy that they wouldn't cover my claim because I'm a teacher, and I had the procedure during the summer.
Then the reps came to school during open enrollment period and I explained my situation, plus the fact that I'd be having surgery again in a month. They "called the company," who said that I'd be covered for both, and told me they'd e-mail me the proper form. It was not the correct form, after I had the doctor fill it out (x2).
I called the customer service number and they told me what form I needed. I had to go back to the doctor and have them fill the new ones out. I called the representative and told him that I had had enough of AFLAC and I wanted to cancel it (I've certainly paid enough over the years) and he sent me a cancellation form. I called customer service just to be sure that was the right paperwork this time, and they told me my company would suffer tax consequences if I cancelled now. He never told me that.
While I realize this may sound confusing to read, it has been even more confusing to experience! One mess-up after another. The message on the customer service line tells you to go to AFLACNY.com for online information. There is no AFLACNY.com... you go to the main site. The rep's name on my page when I finally do get logged on is incorrect. The errors just go on and on. I'm sorry, but come November, I'm finished with AFLAC. I'm lucky I have patient office staff at the doctor's office!!!
[Note: Author is an Independent agent contracted with Aflac.] TO THE FEW AFLAC NAYSAYERS... I have read your reviews, but the negatives are so skewed: AFLAC claims process is VERY simple, YES, documents are required but they have to be to support the claim and prevent fraud. They are just the standard stuff: A simple 2 page claim for the claimant and physician to complete and authorization to release medical info page to be signed.
And your AFLAC representative can do the rest (they will make sure it's done right!), just give him or her the paperwork with proof of treatments (receipts), and to the AFLAC Claims Department it goes, BY FAX... CLAIMS are paid QUICKLY, in as little as three days (5 day average). Plus, the Accident plan has 20+ cash benefits with only a few limitations, up to 6 follow-up treatment visits and 10 phys. therapy treatments... but you can file multiple claims, there are specific sum injury payouts, accidental life-insurance, and a wellness benefit to offset some premium.
Family coverage is also available to children up to age 25, no student requirement! They are all outlined in the brochure given to you, and the agent is accessible for questions, before or after the presentation, etc. There is too much to mention here but all in all they are a a GREAT long-term investment with stable rates and the ease of administration and service is great. AND if you cannot reach your agent for some reason, call AFLAC directly and or visit www.Aflac.com. So before you criticize, get the AFLACTS!
***It's Insurance for Daily Living*** Illness is the number one reason for bankruptcy. 100,000 families went bankrupt last year as a direct result of cancer. 1/3 of people battling cancer last year were in financial distress. In 2007, 72 million working-age Americans struggled to pay medical bills. People don't realize that they need to shoulder 20% of thousands of dollars. ***AFLAC HELPS***
NORFOLK -- Our bright, energetic, handsome son graduated from college as a Mechanical Engineer at only 22 and began interview with numerous companies. He noticed when he would put on a tie, a small lump in his neck. The doctors thought it was a clogged lymph node, and a round of antibiotics would take care of it. In the meantime, he landed a fantastic engineering position with a Fortune 500 company, rented a beautiful apartment, bought an expensive new car. Once settled into his new life.. he opted to have that bothersome lump removed.
There are no words to explain the feelings you go through when the news of Cancer is delivered, especially when the diagnosis is your child's. It was aggressive, and after a year of numerous surgeries and treatments, it had moved to the vocal cords, then to the lymph nodes, then tumors appeared in the neck, and the cancer was spreading into his shoulder. We were losing the fight, we were losing our son.
AFLAC has benefits that allows their policyholders to be seen at a major Cancer Center, and pays for experimental treatments. We chose DUKE Cancer Center, and AFLAC was with us the whole way. They paid $300 for EVERY single treatment, they paid $300 for EVERY day in hospital, they paid thousands towards surgeries, they paid for 1 pill that cost over $5,000, they paid the co pays, they paid the deductibles, they even paid for our hotel room while we were away from home.
THEY PAID US OVER $30,000 THOUSAND DOLLARS!!! They allowed us to be seen at one of the best hospitals, by one of the best surgeons, and receive the best treatment in the US that has allowed us to have our son here today... Cancer free after a 2 year fight for life. The money also paid for that apartment, and new expensive car... because those bills come monthly regardless of your ability to pay. AFLAC is truly a Life Saver!
ARIZONA -- Denying hospital indemnity. According to policy, a 23 hour minimum stay is required (admitted to hospital). The UB04 I submitted clearly is for over 23 hours, yet they are denying claim based on number of hours of observed care my husband had, which was 19 hours. Where in our policy does it say anything about observed hours...no where! Lying, cheating, incompetent, waste of money and my time trying to get these morons to pay up. They misdirected the claim to cancer...not our mistake...theirs, I've re-filed this claim 5 times. I've been lied to at least 3 times. Would love to kick that duck in the butt so hard that my foot comes out of his beak!
SAGINAW, MICHIGAN -- Hearing lost of complaints about AFLAC but they all seem to be about the short term disability coverage. I had no issues with the STD coverage attached to my Accident policy., in fact, didn't even know I had coverage. AFLACs best feature is their Sickness & Hospital Indemnity policies as I have both. Have made tons of $$$ having these policy, paying for Dr visits, MRIs, CTs. EEGs, EDGs. Colonoscopies. pain clinic procedures, surgeries etc...They also let you claim back years...Now I'm claiming up to 6 years back things I didn't even know I could get money for. You just call AFLAC and they spend as much time as needed telling you all the benefits or each policy and each year that you haven't claimed. Loving Aflac these days! These policies also pay well if you have to be in the hospital or undergo Anesethia.