Aflac - Page 3

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1.7 out of 5, based on 12 ratings and
46 reviews & complaints.


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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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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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AFLAC is INCOMPETENT!!
Posted by on
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?
     
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Do not work for them
Posted by on
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!!
     
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Better to Aflac policies
Posted by on
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.
     
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Failure To Tell
Posted by on
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 ...
     
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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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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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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 wife...is 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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