Aflac - Page 2

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1.5 out of 5, based on 15 ratings and
49 reviews & complaints.

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Aflac Dental Policy: Not Worth It
By -

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.

Aflac The Worst
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- Its 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 your 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.

StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

Company Response 01/10/2014:

Hi Electriclade, I’m Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I'm so sorry that you're having an unpleasant Aflac experience. Please email your contact information to us at so we can assist you immediately. Please copy and paste the following in the subject line of your email:
Electriclade 2014-01-09 post.
In the body of the email, please include your contact information, and any other pertinent information so can assist you super fast.
Thank you,
Aflac Phyllis

Lies, Lies and More Lies
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

Beware - Aflac only pays out for certain accidents
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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 orthodon'tist 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.

Uninformed Agents
By -

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 for online information. There is no 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!!!

Get The Aflacts!
By -

[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 you agent for some reason, call AFLAC directly and or visit

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********

AFLAC Truly a Life Saver!
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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 lymphnode, 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 lympnodes, 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!

Scurge of the Earth
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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 solicitors 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.

Scam artists
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ANYWHERE, FLORIDA -- 2 Aflac reps came in selling policies. I was 4 months pregnant and had just come off of bed rest and was back to work. They tx me about their disability policy which sounded great! My concern was that if I went back in bed rest towards the end of my pregnancy would I be covered. Absolutely I was assured! I also took an accident policy on my husband and kids because he was between jobs.
I went into premature labor at 6 mos and delivered by emergency c-section. My baby was I. The NICU for 100 days. When I tried to utilize my policy I was told flat out "they never should have sd it to you knowing you were pregnant because there is a 10 month waiting period for maternity.
That was my 1 and only experience. I recommend you stay away from Aflac.

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