Preview Review

Next Review

Aflac Consumer Reviews

Most Popular | Newest | More Options >
More filter options:
Critical Care Policy Intentionally Practice "Bad Faith"
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

GEORGIA -- My fiancé purchase Aflac's Critical Care Plan on his job as a supplemental insurance, the agent explain to employees that if they considered this policy it would pay $20,000 if they ever experience one of the following: Heart Attack, Stroke, Cancer and Organ Transplant. Well after having the policy for 4 year on December 2014 he had to have a pacemaker implanted in him due to the fact of him having complete heart block, or AV Block.

After his stay in the hospital we filed the Critical Care claim, at first we were thinking that in a couple of days (as little as 3 days, what a lie!) he would receive a check. We contacted Aflac after two week pass and were told that they needed more information; the usual paperwork needed so that the claim could be paid. We provided every item they requested and was assured that we would get a check in the mail totaling $20,000.

The next week we received a check Wellness check for $50, and afterward a letter arrived requesting more paperwork. I went here and there to retrieve what they said was needed, sent it in and waited. In about week we receive a letter stating that the claim would be denied base on the policy only covering him if he had actual had a serious heart attack that left him half dead.

I question them stating that his life was saved due to the emergency surgery and the pacemaker put in, I was then told "that he is not eligible for payment based upon the doctor was able to sustain his life" and we should be thankful. I then ask the agent what would have happen if he had died, she then told me that "there would be no need to file the claim if he had died he would not be critical."

We have submitted 2 claim forms stating that he had a MI, the doctor refuse to change it Aflac somehow contacted the doctor's office and they changed the claim form after 2 months. It is things like this that "BIG" insurance company depend on to help them practice "BAD FAITH." Nothing like have proof for your records.

I have received 20 letters explaining to me why the policy can not be paid, 1st we were told he didn't have a heart attack, to the point of he did not have a Myocardial Infarction but just a simple AV Block. We went back and forth and each time they use these same excuses. I contacted the GA Commission of Insurance and filed a claim against Aflac, of course they would agree with the bigger company rather than the little people.

So we have been going it alone with Aflac, one thing Aflac don't realize that people read and study - that's what I did concerning his diagnose and the medical terminology states that in order to have a Complete heart block, AV block or a 3rd Degree block a Myocardial Infarction would have had to occur.

We will hold firm to the claim regardless of how the doctors, GA Insurance Commission and Aflac work together. I have sent letters asking why the policy was denied when it meets all the qualification on the policy. What they sent to use was "Aflac will only pay for Myocardial Infarction or a Heart Attack" - this was mailed to us and highlighted.

I went to the medical website and looked up AV Block and what cause it and it stated that it was cause by one of two Myocardial Infarction, the seriously one requiring pacemaker to live. I too highlighted this and sent it to them, not sure what my outcome will be, regardless we will fight until Aflac pays to have the medical terminology changed. My fiancé has not return to work and we have doctor's bills coming from left to right. One thing I am proud to say is that his primary insurance company (BCBS) is true to the words, that's why they don't have to put "fake" advertisements on television.

It is our perceptions that Aflac never really intend to pay for these claim, they might pay small claims, but large claim they give the client the run around in hope that the client will roll over and take their tactics. Why pay for a claim and when you really need it, they find all kind of made up excuses to not pay.

Replies
WORST EVER- WILL NEVER RECOMMEND
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DALLAS, TEXAS -- When our agent came into our workplace to sell the policies November 2018, I informed her up front that I was going through 5 years of infertility and that we were planning a fertility procedure at the beginning of the year. She was told that if it failed we would be adopting within the year. She told me not to worry, all of that would be covered with my 6 weeks of leave so long as I didn't get pregnant OR THE BIRTH MOM didn't get pregnant before my 30 day wait from the time the policy went in to effect.

I paid $60 a month starting in December 2018. JUNE 14, 2019 I called to let them know I was adopting and needed to right paperwork to fill out for the disability part. I was then told... after 7 months... that it wasn't covered. I was PISSED. I cancelled my policy and was told by the kind representative on the phone to ask for a refund because I was sold the policy on false pretenses. I understand that generally disability does not cover adoption, however, I have never adopted before, nor had short-term disability, so I did not know that at the time...which is why I asked the "professional" before purchasing. Had she been up front, I wouldn't even be writing this review because I never would have purchased the policy to begin with.

I called to follow up on 6/26, 6/28, 7/29, 8/8. EVERY time I called in, the wait time was over an hour. I was told numerous times "the paperwork has been forwarded to the proper place" but they would give me no details. On 7/29 they informed me that after SIX WEEKS, they finally sent a letter to the agent who sold me the policy and it was sent 7/22. I also called her every time I called Aflac to let her know what I was doing. I left messages every time and not only didn't get a call back, but she claims she never got the calls. I called again on 8/8 to see what her response was and was told she had not responded. When they finally got her on the phone she said "I don't recall that conversation". All she had to do was make that statement and they denied my refund. I have been told over and over again that I had coverage it just wasn't in my policy and that's why they refuse to give me a refunt. They don't seem to care that my concern is that I never should have been sold the policy to begin with because I asked if it was covered and was told yes... otherwise I wouldn't have wasted my money. I was then told I would be contacted by ANOTHER supervisor by 1:15 PM at the latest. It is now 2:30 PM and I have yet to get a phone call.

I am so annoyed that a multi-million dollar company has the power and the audacity to take advantage of people. I am more annoyed that our Aflac agent is able to get away with what she did simply by saying "I don't recall". SHE DOES RECALL, she just knows she will have repercussions of her own if she is caught selling policies in this manner so instead, she is acting like it never happened.

My employer is also the treating physician for my infertility so they knew my plan for possible adoption before I ever bought the policy and even my medical records show the history. I have offered to send documentation to Aflac from my employer showing that was one of my questions as well as copies of my records to prove what I am saying is true but have been told that won't work, it needs to come from the agent directly. So basically, the agent can lie to cover her own butt and that's valid enough to keep me from getting a refund. I am so annoyed. I have a newborn baby coming within the next 2 weeks and am not getting paid while I am out. Not only am I going without pay, I can't get a refund, they have continually wasted my time, they are very unprofessional on the phone, they lie, and I am just so disappointed to have fallen for this scheme. ABSOLUTELY INSANE. DO NOT USE THEM!!!!

Replies
Manipulative, Predatory, Liars,
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ENCINO, CALIFORNIA -- On 7/9/2019, Aflac insurance, along with their representatives including but not limited to ** District Sales Coordinator, An Authorized Representative of Everwell Aflac Los Angeles - North, WellWorks Employee Benefits, 4500 Park Granada Blvd. #202, Calabasas, CA 91302, CA License **, along with their associates attended the company I work for offering benefits. In particular they were offering their maternal packages, and used manipulative and fraudulent sales tactics in order to influence me to sign up with their program.

The party informed me that when I have a baby, that Aflac would cover my pay for maternity leave, along with coverage of my hospital stay. The party informed me verbally, that there were no "loophole" or "hidden requirements" and that the coverage would take place limitedly when we were to sign up with the program. They provided us with the form that I will attach, and nowhere in the form does it state and requirements or standards to follow. The party verbally promised us that this is the best plan for someone trying to begin a family, and that this is the coverage we would need.

I had asked to see the fine print before I signed to which the party stated that there is no fine print and we will receive a full package after we signed up. This statement was completely fraudulent, misleading, inaccurate, and predatory, because on 8/13/19 I discovered that I was pregnant with my first child, and informed Aflac that I was and would be needing to take my maternity leave in April when my baby was due.

On 3/1/19, my doctor placed me on disability due to severe back pain, pregnancy arthritis, insomnia, and severe sciatica. On 4/15/19 I gave birth to my son via C-section, and stayed at the hospital for 5 days due to having the surgery. Afterwards, I had submitted the $5,000 hospital bill, which Aflac had stated that they will cover, to Aflac, only to be denied stating, that "I became pregnant too soon". I have contacted the Aflac representatives informing them of the deceive, in which they stated that there was nothing that they could do, and to appeal the claim.

I had filed an appeal, one month postpartum with a newborn in my hand, and stuck with a 5,000$ hospital bill, to which Aflac denied my appeal. Not at any time did any representative state that I had to become pregnant at a specific time, even with the information that I had provided them regarding my pregnancy. They provided me with paying me a partial of my salary for maternity leave, yet refused to pay the 5,000$ hospital bill, that they stated they would cover. This is completely disgraceful, deceiving, fraudulent, and manipulative. I feel extremely taken advantage of, especially since this is my first child being born. The Aflac representatives saw the opportunity to sell a fraudulent package, and took advantage of my excitement to start a family.

Replies
Disability Income Insurance
StarStarStarEmpty StarEmpty StarBy -
Rating: 3/51

CROSSVILLE, TENNESSEE -- Years ago when I was relatively new to employee benefits, AFLAC benefits seemed like a reasonable idea. However, as I learned the markets and different types of policies and their competition, my assessment of AFLAC became a lot more critical. First thing EVERY buyer needs to know... Every AFLAC policy is an INDIVIDUAL plan. This means that these plans ARE subject to underwriting and coverage can be declined. It also means that ANY condition deemed pre-existing may be excluded from coverage INDEFINITELY. In addition, ANY claim under an individual policy may be declined for the first TWO years following purchase.

The second thing people need to know is that INDIVIDUAL disability plans ALWAYS cost more than an employer sponsored GROUP disability plan. What's the difference between INDIVIDUAL and GROUP insurance plans??? Individual plans are owned by the insured. So they are totally portable and one can continue maintaining coverage simply by paying the premium even if one changes jobs and the new employer will not do payroll deductions.

Group plans though, are owned by the sponsoring employer. So if one leaves the sponsoring employer, they cannot take the policy with them. (However, if they are under a disability claim and they are terminated, or should they be on claim and their employer terminate the plan, their benefits continue for as long as the policy provides.)

THINGS to KNOW about GROUP DISABILITY PLANS... First, they are NOT subject to underwriting. In addition, there are restrictions defining what can be considered 'pre-existing'. Moreover, Group Short Term Disability plans often have NO 'pre-existing' conditions whatsoever provided the insured is actively at work when the policy takes effect. Another thing to know about group disability plans is that usually one can purchase Group Short Term Disability WITH Long Term Disability and $50,000 of group term insurance for LESS than it would cost them to purchase ONLY Short Term Individual Disability.

Replies
Advertisement
Took Over 8 Months to Recieve Any Benefits and They Were Half of What Was Due Because of Age Which They Did Not Notify Is of by Le
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NATCHEZ, MISSISSIPPI -- My husband had open heart surgery in January at a cardiovascular hospital where all the beds were CCU but because the bill said regular bed they were not going to pay, the entire floor is the heart unit intensive care rooms, private with specialty cardiac nurses but these people still would not pay. Had to get the CEO's secretary to send them a description of entire hospital before these idiots finally paid, it took 8 months. Then I filed another claim for 5 more days at same place for another heart attack with stents placed in arteries in chest. They still have not paid but half of this and I again cannot get through to them that he was in cardiovascular unit. They still owe $600.

I am telling anyone who may be thinking of getting a policy with Aflac, don't do it, not worth it. Yes they drop the benefits to half at age 70 but you still pay same premiums, they do not drop them. Fair??? Don't think so. I am on hold now with claims and to drop this policy immediately. The effort to collect is not worth the money, the little they pay that is. I will tell anyone who will listen this company is horrible and I hope everyone will drop out and show them we can make a statement and not permit people to treat us like we are nothing, all they want is your money but don't bother trying to get any back. I will be reporting them to Better Business Bureau also. Just wanted what was due us, no more.

Also, we have had cancer policy since 1970's and intensive care policy since 1998, have made only 2 claims on the policy in this time until this claim for this year and has been a nightmare. People, not worth it. All the money we have paid in premiums for these years mean nothing to these people, THEY DO NOT WANT TO PAY AND WILL MAKE IT SO DIFFICULT FOR YOU. I am sure they hoped I would give up, not me but have had enough now. Not worth it.

Replies
Buyer Beware
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FT COLLINS, CO -- I had a hysterectomy on May 4th. It is now May 30 and I still have not been paid for the disability. Here are the order that lead me to this massive headache. I called Aflac 4 weeks before my surgery to tell them what I was getting ready to have done, and to make sure my ducks were in a row so that I could heal after surgery and not have to worry about the money coming in. (Isn't that their bit, we pay your bills so you can recover.- don't hold your breath) I told them every form I had, and they told me that I was good. I asked if ANY additional information should be included on the claim and was assured I shouldn't.

After my surgery my doctor office filled out their required for with medical codes and all that and faxed the packet over on the 6th. About a week later I called to check up on my claim and they said they got the claim but not the employee information (it was included in the claim) So I asked my doctor's office to re-fax and they did, about 3 days later I called to make sure they got it. They said they didn't so I had to go to work to get another claim form filled out and fax this one myself. Which they still didn't get. So I had to send a picture after I called to check the next day. (Three faxes from two different sources went missing, interesting)

After that they needed a W-2 which I was told by the representative that my claim would be finished in about 24 hrs. (I still have the email) I then called over the next couple days to follow up with no information. Finally I was so frustrated I asked to speak with a manager after my 4th phone call with no information. He said that they claim should be good to go by the beginning of next week. (It isn't surprising)

They now need all 3 doctors notes from my visits. I have had this policy for about a year, I also work in the medical profession with insurance. It is absolutely ridiculous that they do this to people as if losing my uterus at 32 with no children isn't horrible enough. I have to deal with their nonsense. Please beware!

Replies
Denied Claim
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ATLANTA, GEORGIA -- I signed up for Aflac in January of 2017. My policy did not become active until March of 2017. In August I found I was pregnant and the baby would be due in March of 2018. I did not have any problems but at 24 weeks pregnant my water broke and I was admitted into the hospital. I had an emergency c-section at 25 weeks. My son was place in NICU and he will be there possibly until March. This is extremely hard on any parent. It's been a month and I have not returned to work and I probably will not be back until April depending on when my son can come home. I go to the hospital everyday to see my son. So I filed my Aflac claim in December the asked for the documents. When those was sent they asked for my tax return, w9, and last pay check stub. I called in January 3rd to check the status of the claim. They said they have all the documents and they will process the claim. I called back today January 8th and they said my claim was denied because there is a 10 month waiting period for child birth. I informed them that the baby came at 25 weeks he wasn't due until March. I will be out until April will they not pay a portion since it's January and I will still be out. The representative told me no. I said okay can I cancel my policy. So she typed some notes and placed me on hold to cancel the policy. I've been on hold now for 45 minutes. So a representative just answer the phone and told me that they transferred me to the wrong department. So she proceeded to transfer me, she said it she only take about 2 minutes. Which it did, and the representative who I spoke with to cancel my policy was extremely nice. She understood what I was going through and howI travel to see my son everyday. She said I can reinstate my policy anytime within the next two years. I told her I wouldn't because it basically a waste of money. I can't afford to give away money and then when I need you, I can even get a portion. She cancelled my policy and said she will keep us in her prayers. Even though I liked her a lot I will never reinstate my policy because of my experience with them.

Replies
In 2012 I Gave Aflac 5 Stars, 3 Years Later Maybe a Minus 5 Stars
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BAKERSFIELD, CALIFORNIA -- In 2012 I had worked for a school district and when I left I took my Aflac policies with me. Most of you know as you get older your balance is not as good as it used to be. I had fallen because of my dogs and had multiple injuries. Aflac paid at first, after recovering from that incident I was injured again when a horse stepped on my foot and broke it. From that point on they were harder to deal with. Every fax sent in ended up getting misplaced.

My last claim was lost multiple times. When I called about it the next thing I knew I was getting letters asking for office notes from the doctor's office, letterhead from the company I work for and copies of my paychecks proving my income. Basically I was made to feel like I was being called a liar. I sent in everything asked for.

Finally I gave up and it has been a hardship. I have heard more complaints than I have good about Aflac and I feel that by responding with such a positive attitude at the very beginning I may have led some people into purchasing a policy. I apologize for that, I do know that Aflac monitors this site and responds on it frequently. So again I was wrong and so many others were right.

Replies
Advertisement
Aflac, Rude Representative & Incompetence
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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... nowhere! 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!

Replies
Aflac Coverage
StarStarStarStarStarBy -
Rating: 5/51

SAGINAW, MICHIGAN -- Hearing lots 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. AFLAC's best feature is their Sickness & Hospital Indemnity policies as I have both. Have made tons of $$$ having this 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 anesthesia.

Replies
Top of Page | Next Page >

Aflac Rating:
Star Half star Empty star Empty star Empty star
1.6 out of 5, based on 44 ratings and
76 reviews & complaints.
Contact Information:
Aflac
1932 Wynnton Rd.
Columbus, GA 31999
800-992-3522 (ph)
www.aflac.com
Product/Services
Compare General Insurance Companies