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Aflac Short Term Disability Consumer Reviews

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Where to Start - Terrible Company
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

COLUMBUS, GEORGIA -- Where to start? Three years ago an Aflac representative came to our workplace and convinced us all how much we needed Aflac. So I signed up, for short term disability and accident, even paid extra for one day pay. Well the representative who sold us everything up and quit, and we all got letters in the mail saying our policies were cancelled for nonpayment... What???

Our money was coming out of our checks. Well apparently the Aflac representative messed up paperwork with Piedmont who takes money out of our check and pays AFLAC, or at least is supposed to, they weren't. So another representative joins the company and shows up at my work, and says he is going to fix everything. So as far as we know he does. Money is coming out of my check, 60 plus dollars for three years.

That representative quits. As far as we know, no new representative comes over and a bunch of our guys want to sign up but nobody knows who to call. I leave multiple messages with Aflac out of GA, and send multiple messages since we are in Harrisburg PA and I assume have no representative.

Finally I get someone on the phone. About two months into emailing them and leaving messages I have surgery and need to use my short term disability. I have never filed a claim so this was my first. The first positive contact I have with Aflac is somehow getting through to a customer service person named Wintress.

Finally someone who actually takes pride in their job. She informs me that I do in fact have disability but the second Aflac representative who said he fixed everything never reactivated my Accident policy, WOW!! I had been paying the premium to Piedmont for 2.5 plus years and there was no policy. Good damn thing I didn't need it huh?? So Wintress got me Piedmonts contact number to find out where all my missing money is. She then sent me the short term claim papers so I could get started on my claim.

Once I got the paperwork completed, I faxed it all in. That was January 18, today is the 26th. It is still not showing online! Processing claims in 4 days? Bologna! Now they have all kinds of excuses... MLK day delayed processing, snow in Georgia last week delayed processing, now today, they told our representative (who Wintress was able to find out who he was and put me in contact with him) that claims processing is running 7-10 days behind.

But they obviously can't do the math because they set my claim to be reviewed on 2-1, that is 14 days after receiving the paperwork. Then how long after that will they pay? 4 days, 7 days?? Meanwhile I went without pay because I had some stupid false sense of security thinking that AFLAC was a company with integrity that actually did what you paid them to do. Well they don't.

I would highly suggest if you are looking for a short term company, look elsewhere. Aflac has horrible call centers, long customer wait times. Apparently only one person there actually cares about her job, and they absolutely falsely represent how they process their claims. They don't care because they already have your money.

I have had Aflac short term disability for approximately 3 years, and have never filed a claim. I had surgery and had to file my first claim. Well, to start out, they never answer the phone, they keep you on hold for 40-60 minutes or a message comes up saying they will call you back and you will not lose your place in line and that never happens.

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Thank God for Aflac!
StarStarStarStarStarBy -
Rating: 5/51

BANGOR,ME, MAINE -- I have NEVER had an issue with Aflac. I have had an accident policy for 9 years and added short-term disability 6 years ago. I have had 4 surgeries in that time frame, the most recent being Sept 7th, 2016. The longest I waited for a check was 2 weeks and that was my own fault, because my paperwork from the doctor was dated a day off so I had to resubmit. That was 4 years ago.

If I upload my info I am typically paid with direct deposit within 48 hours. I submitted ALL my knee surgery paperwork which included physician and employer statement, continuing disability form, (as this accident happened back in January), so it's considered the same claim, and my operative report, my mileage(I had to travel over 50 miles so I was paid $600 ), and also hotel bill for my husband (they paid $125 per day for the person that travels and stays with you).

I submitted all this through fax last Saturday, September 24, and when I went online to my Aflac page (everyone should set theirs up to monitor status so you know what is going on), at 5:30am on September 30th, I have a check for $7,490 that was issued yesterday's date to be deposited into my checking account in the next two days. This depends on your bank. So in 4 business days mine was taken care of. Don't ever count weekends or holidays folks!!!

And the number one problem with people's complaints is they never read their policies. Can't find your policy?! Then set up your Aflac page online and download it! If you can read you can figure out what is covered and how long you have to wait for things to be in effect are on your first page of what YOU signed up for. I always look at my co-worker's claims at my job, because they never read what they have!

For short-term disability, they only pay until the anticipated date back to work the doctor fills in so if you are out longer than you and your doctor thought you need to submit a new physician's statement with the new anticipated date. I signed up for 6 months of short-term for full-time disability and 3 months for part-time, which does not have to be used all at the same time for same accident/illness. You just can't do a new claim on something else until you have either used all available time or doctor fully releases you back to work. Hope this helps.

So to every Aflac policy holder, before you have your surgeries or put a claim in, first look at what you actually have for coverage and it will save a lot of headaches. They say ignorance is bliss! Not when it comes to your health!

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The Worst Experience Ever
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ATTLEBORO, MASSACHUSETTS -- My experience with Aflac has been a pure nightmare. Their twisted antics and conniving ways to not process and payout claims to individuals with legitimate illness is disgusting. I purchased three policies with Aflac last September. One for hospital, accident and disability. In the latter part of November of last year, my Primary Care Physician sent me to an Orthopedic doctor because I requested a ** injection.

After receiving the ** injection and following up with that doctor, he did X-rays and stated that I should have knee surgery in the near future. I decided to have knee surgery in June of this year. At that time, I had Aflac for 9 months. I had all the paperwork requested from Aflac filled out and in place. When I filed the claim, they continued to reject it and request information several times or to say that they have not received it. Finally, after my PCP filled out and questionnaire stating that this was not a pre-existing condition, the claim was processed and paid.

Now, Aflac is demanding that the money be returned because they believe the claim was paid in error because it is pre-existing because I complained about pain to get a ** injection which lead up to a knee surgery. This is not the case at all. Aflac does not want to pay out claims. They only want to take people's money. Even though they received the questionnaire back from my PCP stating that this was not pre-existing, they are still calling it this. I have been so stressed out dealing with this matter while trying to recover from a painful knee replacement. I have contacted the Insurance Division in my state to intervene in this matter. I am on a disability and I cannot afford to pay back the disability since I have been paying my bills with it. I will never use Aflac again.

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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 text 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 in the NICU for 100 days. When I tried to utilize my policy I was told flat out "they never should have said 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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Aflac Does Not Live Up To Their Hype!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AFLAC DOES NOT LIVE UP TO THEIR HYPE!!! Put in a claim for Short-Term Disability on 4/9/14 and received confirmation that it was received and am still waiting for payment or updates on the status!! Have tried to call to speak with them for TWO DAYS now, but yesterday they COMPLETELY CLOSED their CLAIMS Customer Service for a HALF the day for a meeting and are now closed entirely today for Good Friday! This from the company who's big ad campaign right now is all about how fast people receive payment for their claims!!

They are putting my health and my family's well-being at risk by their actions with my claim. Their payment is my only source of income because I can't work due to my illness and I have nothing until they live up to their end of my policy and pay out my claim! I say extremely poor customer service and one VERY UNHAPPY CUSTOMER!!

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3 Claims for One Surgery - Short Term Disability Is a Joke
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I am DISGUSTED by the customer service at AFLAC. I filed a claim on my short term disability policy on 8/20/19. Unfortunately, my HR department filed the claim before the date of the disability so it was denied. I had them resubmit the paperwork which they did. On 9/16/19 I called AFLAC to confirm a new claim was filed. They advised that the new claim was filed but it was missing the physician's statement. I faxed a copy of the physician statement and also uploaded same via email that same date. I called for the status today (9/18/19) and was advised the claim was denied because it was previously paid.

When I questioned further, they said that it was not previously paid but the fax copy was illegible. I said I emailed a copy which they customer service representative agreed they could read. However, she advised me that I must file a NEW claim (FOR THE THIRD TIME) because there was no mechanism for the claim to be re-reviewed!!! THREE Claims for one surgery??!! Is there truly no mechanism for someone to say "hey there's a mistake here, we will look at it again"? I am requesting my office and my doctor to submit a THIRD claim. Rest assured that after this claim is paid, I will re-evaluate my relationship with AFLAC, but at this point, I cannot recommend to anyone that they take a policy out with this company.

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What a Joke
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FL -- I have been waiting a month now on my Short term disability claim and still no answers as to when it will be done. Every time I contact the customer service I get the runaround on this. I am completely disappointed as I have no income coming in after a broken elbow and paid to have the assurance of some income if an accident was to happen and I would be out of work. I am close to becoming homeless due to this and there is no sympathy from them at all while my file sits on someone's desk waiting to be looked at.

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No Short Term Disability Payout
StarStarStarEmpty StarEmpty StarBy -
Rating: 3/51

In April of 2018 I filed a Short Term Disability Claim via Aflac, and the process was grueling to say the least. My initial claim was denied, then I was advised to resubmit my claim, which I did, and that process dragged on until I submitted a review about my negative experience online, and low and behold, the claim was paid 24 hours later (June 14th, 2018).

Flash forward to February 2019, I file another claim FOR THE EXACT SAME CONDITION, and here we go again! First, an Aflac claims representative told me that since this claim was practically identical to the previous claim, it should expedite quickly. That was almost 4 weeks ago! I was told that additional documents were required, which I provided, then I was told that my claim should be processed within four business days from the receipt of those documents. That was nearly 2 weeks ago. I recently called the Aflac claims department yet again, and I was told that my claim was being reviewed by the legal department. Legal? Really?

At this point I am at my wits end with Aflac and their Short Term Disability Plan. I plan on pursuing this claim to the bitter end, but I also plan on cancelling my policy. On the contrary, Aflac's Accident Plan is very efficient, and the claims are processed in a precise and efficient manner, exactly as advertised.

In essence, if you plan on choosing an Aflac Short Term Disability Plan, well, don't take my word for it, simply read the other reviews...

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Consumer Beware!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

BELLINGHAM, WASHINGTON -- Concerning Aflac short term disability. SAVE YOUR MONEY AND JUST PAY YOURSELF... So I decided to do ahead with the major foot surgery I needed since I thought could use this great short term disability right. For 2 years prior to my surgery I loaded up with all the bells and whistles coverage. My representative had really sold me on this stuff and I thought it was gonna be great. Hahaha. Foolish man, I let Aflac take 160.00 per month for all my coverages for all that time; (when return to work Aflac will no longer be getting any more of my money). CONSUMER BEWARE. AFLAC NOT AS EXPECTED!

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I Got Paid!
StarStarStarStarEmpty StarBy -
Rating: 4/51

GEORGIA, OKLAHOMA -- I really can't believe what I'm reading! All these negative reviews about Aflac after I've just had such a positive experience with them. I just broke my tibia and fibula and had to get surgery. I have been paying into Aflac for a few years at this point and had never filed a claim. It took two weeks for me to get any money but that's my fault because I had no idea what I was doing. Once I contacted my agent Gena ** and she got the ball rolling in the right direction I had money in 24 hours! I'm still filing for continued disability through them and so far so good.

The only reason I didn't give a 5 star rating is because trying to contact the headquarters is absolutely ridiculous! They give you the option of holding (over an hour most times) or they will save your place in line and call back. That makes it very difficult when you're standing at the bank trying to cash a check for $5000.00 and the bank can't get anyone to answer the phone to verify that the check is authentic. That's the only problems I've had since I've filed my claims. If you have the option to buy this insurance I say do it! It's inexpensive and honestly, if I didn't have the disability insurance I don't know what I would do or how I would make it through this.

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Aflac Short Term Disability Rating:
Star Star Empty star Empty star Empty star
1.9 out of 5, based on 20 ratings and
27 reviews & complaints.
Contact Information:
Aflac
1932 Wynnton Rd.
Columbus, GA 31999
800-992-3522 (ph)
www.aflac.com
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