OGDEN, UTAH -- I would give it 0 if I could. I was a good customer for 4.5 years and when I got married I called in today (September 9th) during our company's "open enrollment" period to cancel because I have full coverage on my husband's insurance. They would not let me cancel. They told me I had to wait till next June!
Even though they told my supervisor a few months ago that she needed to wait till September for our company's open enrollment. We work for the same company! Do they just make this stuff up as they go? I feel like we are getting the run around. Whatever it takes to get more money from us. Never again!!! Think twice before you deal with this company. Too many bad reviews.
E TAUNTON, MASSACHUSETTS -- I was diagnosed with breast cancer and required a mastectomy. Within 2 weeks I had my check for first occurrence of cancer. I received $150 a day times 10 days to have a visiting nurse come in to check on my surgical drains. I received a pre-determined amount of money for every procedure performed. Money for biopsy, surgery itself, prosthesis, predetermined amount of money for anesthesia during surgery. Aflac did everything they said they would!!!
As far as my short term insurance from my employer, I received that 9 weeks after surgery. I would have been in such a jam financially, if not for Aflac, Every step of the way was easy. I do remember getting the impression that employers may have different plans that provide different benefits. My experience with Aflac was so positive my kids always say I should become an Aflac representative when I semi retire!!
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.
TOMS RIVER, NEW JERSEY -- Having moved into a new area at the young age of 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 family's history of diabetes I decided to give Aflac a try and enrolled in 3 policies. Well needless to say after 2 months in I came down with a rare condition called charcot foot (fractured foot from diabetes).
Having been out for almost 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 peace of mind.
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.
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.
LORAIN, OHIO -- I have a short-term disability policy with AFLAC. I was told by a representative that they could not read the doctor's writing and as a result they "assumed" the primary diagnosis was seizures last year and according to policy it was "associated" with headaches and that diagnosis was "paid out." I asked him did he and his supervisor have M. D. behind their names and why my physicians were not contacted for clarification. Nobody even bothered to check the diagnostic codes! Totally incompetent! Because I said something, now they are requesting doctor records. They are so unethical and make decisions by the seat of their pants!! Maybe a class action is in order, huh?
I worked for Aflac and after a few months a few agents started getting scared because I did to much business so they started slandering me in government emails which is highly illegal. I have federal laws that protect me but they are so stupid it is sick. I am a native American doing business on my own reservation and they still fired me because they are too darn stupid to look at the federal laws. Now they are sending me a bill saying I owe them even though there are thousands of dollars of my policies in force. They are so chicken sh*t they have a clause in their contract that they can fire you for no reason. Now they claim they are going to sue me if I don't pay it! What a bunch of losers!! Can't wait to see them in court because I will fight them SOB's tooth and nail. If this happened to anybody out there lets get a lawsuit against them unethical SOB's!!
There seems to be two problems I have found with Aflac. 1. They seem to roll through a number of agents. 2. Their claims services seems designed to wear down the claimant. I believe company greed causes both of these observed problems to occur. Without the agent who sold you the policy actively engaged, you have no local service representative. You will find you are on your own when the event you bought the insurance arises. I was asked to have Doctors fill out forms and re-file and explain details and get additional information on three separate occasions with weeks going by between company requests. Their claims service as well as their company goal is to not aid in paying claims. They spend an inordinate amount of money advertising when compared to other similar companies and I expect them to continue do so, but not with my money.
Dot your I's and cross your T's with these people, they only tell you what they want you to know just to get you to sign up...For example Your taken while on the job but it's not a work injury, your taken to the local hospital ER. Then your put out of work for 5 days, the doctor puts you back to work for about two weeks then takes you back out and so on for 3 months.
Guess what your stuck with the in this case some are more than $810.00 ambulance ride, and because the Doctor does not keep you out for 15 days straight you nothing. You must be out for 14 or 15 consecutive days before you get a dime..
Good luck with these people ...