Aflac - Page 3

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1.4 out of 5, based on 10 ratings and
44 reviews & complaints.

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Aflac The Worst
Posted by on
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.
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Aflac Needs Better Training for Employees
Posted by on
Rating: 1/51
CHESTERFIELD, VIRGINIA -- OK....So two years ago Aflac comes to the workplace and puts on a show...I bite and get it.....Two years later I get into a car accident through no fault of my own...I spoke with my Aflac representative and she told me she was coming back to my work the next Tues. During that time I went and got doc reports and everything I could think of to get this thing through at a cost of $20.00 for paperwork fees. The next Tues. I got with my representative and she told me everything looked in order. Three weeks later I call just to check on the claim because it seemed to be taking a [little] longer than expected...I was told that a letter had been sent to me requesting the police report...I never got a letter..Even if I did, why send it to me..I don't have a police report, the police do. I was then informed that I would need to send in the report..I said Isn't that your job at Aflac? Then I was asked if I had a number for the police dept. so that they could get n touch with them to request the report. Um, the only number I have for the police is 911. So, to make a long story short, I am still waiting for this claim to go through. Aflac does not make it simple for someone who is worrying about medical bills and their health to file a claim. It seems that they would rather have you the customer do it for them, and if not, they will just deny you.
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Anonymous on 2014-05-25:
Did you include an authorization form giving them permission to contact the police department? There is more than one police dept/sheriff's dept? Chances are there wasn't enough info for them to know what agency to contact. It is not difficult for you to get this.
Happy mom on 2014-06-21:
I had an experience which made me wonder about aflac, but it found that by communicating with my agent everything worked out ok. My son was in bad car wreck he was in hospital for 2 months and they paid him $41000 dollars due him for the policy's he had. This was paid over the 2 months. As a responsible adult it is your responsibility to provide information to agent to get payments in timely fashion, when they don't get information needed it slows down the process.
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God Bless the Duck
Posted by on
Rating: 5/51
TOMS RIVER, NEW JERSEY -- Having moved into a new area at the young age 0f 55 and starting at a new dealership because my previous place closed down I confronted a fellow worker who was out on disability but had no coverage, it was at that time the Aflac representative appeared in our show room and after his talk gave us a symbol of your company (the duck),after careful consideration of my self and my families history of diabetes I decided to give Aflac a try and enrolled in 3 policies, well neeedless to say after 2 months in I came down with a rare condition called charcot foot (fractured foot from diabetes) having been out for allmost a total of 5 months I can honestly say had it not been for the duck and me looking at it everyday and of course your great coverage I might be very close to being in the poor house, any one who thinks they don't need any kind of insurance policy to protect themselves in the event life throws you a curve better get themselves A DUCK and take a long hard look at it and your self. AFLAC AFLAC / I can now return back to work with piece of mind .
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Screwed Me Over
Posted by on
Rating: 1/51
BROWNSVILLE, TEXAS -- I had an accident at home and was out of work for 20 days. I made the claim and paid 25 dollars at the doctor for the paperwork. Aflac took 3 months after I took them everything they asked for and they send me a stupid 40 dollar check. I've been with them for 2 years now paying them 40 dollars a month and they send me a stupid 40 dollar check. They still charged me the month. Then where's the help.
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trmn8r on 2013-03-09:
What size check were you expecting, and what explanation were you given for the difference?
clutzycook on 2013-03-09:
It depends on the kind of accident you had, if you were hospitalized, and the kind of coverage you have with them. I have Aflac through my husband and when I had our youngest child last year, they spelled out in the benefits summary exactly what they needed and how much I would get, which was paid relatively quickly after I filed the claim.
Aflac Phyllis on 2013-03-15:
Hi, santiago_barajas17, I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I'm so sorry that you've had an unpleasant Aflac experience. Please email us your contact information at Please include your my3cents profile name in the email.
Thank you,
Aflac Phyllis
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Flexible spending account
Posted by on
Rating: 1/51
Easy to start hard to get money back even though it's my money. First claim was denied, reason was not enough money in account. I understand that. Resubmitted claim later, again denied, reason already submitted, though it never was paid. Next claim dened, said receipts were not legible though the agent said there was nothing wrong with them.
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Insulting Commercial
Posted by on
I hate your new commercials! I would never buy anything you sell as I have to change the channel when one comes on. Annoying and stupid! Stop thinking the public finds this funny or interesting! I'm sure those poor birds agree with me. PUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU
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old fart on 2011-06-25:
I agree, the AFLAC duck should have been turned into a roast years ago.
Anonymous on 2011-06-25:
They fired Gilbert gottfried, and got someone else to do the Ducks voice. And the new voice is lame.
old fart on 2011-06-25:
Wally... the whole concept is lame..!
trmn8r on 2011-06-25:
Right. Gilbert and the duck are interchangeable.

Look at the title - "Insulting Commercial - Stupid Annoying Duck"

Tell me that by substituting "Gilbert" for "Duck" it doesn't mean the same thing. Go on!
madconsumer on 2011-06-25:
the commercial is doing exactly what was meant. getting peoples attention.
Venice09 on 2011-06-25:
I don't know why people always say attention is a good thing. If something annoys me enough, I tune it out. And I have a feeling I'm not alone.
old fart on 2011-06-25:
Mad....Flashing yourself in the middle of a crowded church would get attention too!

This about as senseless as the AT@T "Hey Marcel" commercial
trmn8r on 2011-06-25:
Venice, I can hear you but your voice is waning!
jktshff1 on 2011-06-26:
Seems it's working....folks are talking about Aflac...and that is what advertising is all about.
Teresa on 2013-08-23:
Your speech therapist is the poorest example of someone in our field. NO SLP would ever conduct if trying to teach someone to stutter like this girl. Your commercial is a joke...I wish you had taken the time and consulted with a professional before you made a laughingstock of yourself. The actress is horrible too. She knows nothing about speech therapy...and who does therapy with a duck anyway?. Can't wait for it to be off the air.
Teresa Clement ms, CCC-SLP
Certificate of clinical competence, speech/ language pathologist.
Lona Cornett, CCC/SLP on 2013-09-14:
This commercial is a slap in the face to the hard-working professionals who provide speech therapy. What an embarrassment!
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Informative Info
Posted by on
I have all great things to say about Aflac. They pay claims within 7 days and my representative is Fantastic!
I just thought I would explain a few things though as I just ran into a problem. My Boyfriend injured his back and "toughed it out" for several days before going to a chiropractor. After a few weekly visits to him he ended up in physical therapy with a specialist. Had to have MRI done and has long past 10 visits. I just filed his claim for him and it was denied.

Here is why:
You must seek medical attention within 3 days of an injury. No toughing it out no matter how small you may feel it could be! You will not be paid if you don't!

Also you must have your DR refer you to a physical therapist within 30 days of that injury! You will not be paid if you don't!
To sum it up: Even if you have a sliver- see a Dr! god forbid a week after you pull out the sliver it becomes infected and you have to go to Dr's and follow up visits- You will not be covered! You Must Seek Medical Attn Within 3 Days of All Accidents!!!!!!
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Alain on 2010-12-12:
"Toughing it out" can also lead to injury becoming much worse.
kisnluvn on 2010-12-13:
True Alain! But you know how men can be lol. I just thought I'd post this info so people know NOT to Tough it out AT ALL- EVER!
I wish we had known this ahead of time- now I will make him go to the dr for every little cut, bruise etc.
Alain on 2010-12-13:
I have to plead guilty to this type of behaviour in the past, kisnluvn. My wife has convinced me to be more sensible these days! Nice review and thank you for it!
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Tired of the run around
Posted by on
My husband was presented at work Aflac, he thought this would be great in case something might happen and he would need it. My husband told the representative that he had a history of high blood pressure and he has been on meds since 18, she helped him pick out a specific policy just in case. Well 2 months later my husband needed a stint put in one of his arteries we did file a claim because we were told he had to wait to have this policy for 6 months. Then my husband went back to the doctor and had to have an emergency quad bypass. We then filed a claim in April of 2010, all papers were sent in by us and the doctors, but every time we called Aflac we were told, well we don't have enough info, so we got all the info and sent it, still not enough, it is now Nov, and we still don't have an answer, all we want is an answer to this claim, we are still paying into this and it has done nothing for us, my husband had to go back to work early because we couldn't live off one paycheck, the doctor was not happy and neither are we. Please fix this Aflac, we just want an answer.
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Steve1977 on 2010-12-01:
I hope everything is OK with your husband. What info are they requesting? They are not giving you the run around. When it comes claims sometimes additional information is needed depending on what your policy states and depending on the application questions when you took out your policy. Always be sure to read your policy and read the application that you sign, regardless of what your agent tells you.
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The Same Old Run Around
Posted by on
My wife's father recently died (Sept. 2010) due to an electrocution on the jobsite. My wife and I sent in all necessary papers per the supervisor. Since everything was filed and recorded we are yet to receive benefits. We were told that they have to submit a review to the attorneys??? We sent in police reports that stated what/when and how the accident happened....toxicology reports that were clear of any illegal substances, investigation report from OSHA, Med records showing good physical health and still nothing.

I know they are not in the business to pay out but while the money is sitting in an interest bearing account that is to be paid to my she entitled to interest made on money that is legally hers? Med bills are building, funeral home is hounding us! does anybody have any advice for us.

Thank you
Matt & Tarin Saroka
JMSaroka@yahoo. com
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Anonymous on 2010-11-03:
Hope they pay out soon. I was named primary beneficiary on my boyfriend's policy, and the ins. co. never said anything was not OK with that when he submitted the paperwork, but when he died, they said I could not receive the benefit because I was not a spouse. He should have been told that when he submitted the policy paperwork as he was counting on me receiving it, He could have made other arrangements with another ins. co. had we known.
jktshff1 on 2010-11-03:
FIRST, get your personal info off here.
SECOND, get yourself an Estate Attorney NOW. Cost a few bucks, but worth it. Ask your friends.
Good Luck
leet60 on 2010-11-03:
+10 jktshff1. Get yourself an estate attorney is exactly the thought that I had. They will not only be able to run interference for you on the medical bills and any other outstanding debts of the deceased but a letter from any attorney gets the attention of insurance adjusters.
Steve1977 on 2010-12-01:
I'm sorry to hear about your loss. "The review of the attorneys" that you are confused about is that you must submit legal documents naming you the executor of the estate in order for their legal division to review to determine if that is valid to release information. Releasing information without that would be a privacy violation. That is federal law. I'm sorry to here about your frustration but Aflac tries to find every reason to pay a claim. If you haven't already done so you should submit the documentation naming you the executor and once that is done call customer service and to get specific information on what is covered and what information is needed.
chris on 2012-02-14:
Steve1977, and once Mr.561 provides all the correct documentation and calls customer service for specific infor and what else is needed, he will be given the same load of crap that he has received so far... more double talk and promises and more delays and more frustrations... THIS IS NOT AN ACCIDENT - THIS IS BUSINESS AS USUAL... read the other comments. Mr561, get a lawyer! That's when their game playing will stop - not until!
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Worst Company Ever!
Posted by on

My husband purchased a policy through Aflac due to an upcoming surgery. The agent told him it would cover his disability for the time he was off (6 weeks) His surgery was in November 2009 and as of today August 2010, we have not received anything from Aflac but the runaround. We had received 2 letters (in May 2010 and June 2010) stating they needed records from July 2009. Why? His surgery was in November. We even spoke with a so called Manager and was still not told a reason why they needed those records. So, we went ahead and faxed all requested information in July, I have called 3 times since July and we always get the same answer, "This claim in under review" Come on, like it takes that long to review records. Starting next week, our lawyer will be taking this over.

The customer service reps have no information what so ever, but they are very nice. That is about the only nice thing I can say about this company. The management staff needs a few classes in customer service, and not to mention some information about the company itself, they were very ignorant.

I would NEVER recommend this company to anyone. I will make sure I tell everyone I know what an AWFUL company this is.
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Weedwhacked on 2010-08-13:
I'm surprised they let you take out a policy knowing about the surgery. They normally hope you don't make a claim. They will probably deny the claim saying it was a "pre-condition."
Helpful on 2010-08-13:
I was about to say the same thing as WW. Most insurance doesn't allow you to make a claim for a certain length of time just to protect against this scenario.

Get a copy of your policy and read it carefully.
jen1357 on 2010-09-01:
The reason your claim is not being paid is because you took out the policy because of something that was already planned for your husband. Had you not already known that he would have to have a surgery and something did happen after the policy was purchased that was not already diagnosed or recommended at the time of purchase Aflac would pay the claim. The reason they will not pay on something that is already planned or recommended is because they would have to raise the rates extremely high to cover their losses on every person that decided to purchase a policy only because something already has happened.

Aflac is to protect you on something that may happen not on something that had already happened. Your complaint is like purchasing auto ins. because of an accident that has already happened and expect the ins. company to pay for the damage that happened previously to you purchasing your policy.

If you really did disclose to the Aflac agent that you were purchasing the policy to cover a surgery that you already knew would happen and they advised you that the Short Term Disability would cover your husbands already planned surgery, they were incorrect and I would report them to Aflac immediately.
oars81 on 2010-11-15:
what you are describing would be the same as crashing your car, then saying crap I should have car insurance. Then going to the closest car insurer and getting car insurance. then once you get the car insurance, you are pissed cause they will not pay for the repairs to your car that happened before they were insuring your car. It is ridiculous to expect an insurance company to pay for that.
It's not AFLACs fault that you didn't get the insurance prior to your condition onset. However if your agent told you that it would be covered, then that is bad business on the agents part, not the companies part.
Charlie007 on 2011-03-14:
They are requesting records from July to find out if there was anything pre-existing. Read the brochure that the agent gave your husband when he signed up. There you will find the definition of "Pre-Existing Limitations."
ObamaCare won't kick in until 2014 so "pre-existing conditions" are still going to be a huge factor in getting paid by Aflac or any other insurance company.
This definitely sounds like a pre-existing situation.
Chris on 2012-03-15:
If you all read this post correctly, it stated that " The agent told us it would cover his disability." This company is a complete fraud
Jack on 2014-04-03:
1. Obamacare has no effect on supplemental products. Companies offering supplements can have pre-existing condition clauses.
2. If the agent told you the disability would be covered, they lied. The policy, which most people tend to NEVER read, tells you everything you need to know.
3. Yes, I am a broker and Aflac is my #1 supplement I sell. I am contracted with others, but they just don't compare to Aflac.
4. There ARE people in the world that will try to rip you off. Aflac agents are self- employed. I have, and probably will again, refuse to work with agents who I believe are unscrupulous.
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