Aflac Complaint - Better to Aflac policies

Posted by leet60 on 2011-04-14:

You hit two points right on the money:

"Their claims services seems designed to wear down the claimant."

"Their claims service as well as their company goal is to not aid in paying claims. "

Despite what any insurance agent will tell you when trying to sell you a policy, the company is in business to make a profit. Claims representatives receive training from most companies in how to find criteria to deny a claim, making it as difficult as possible for the insured to receive benefits.

This is not only Aflac, but most insurers.

Posted by sjacobs3377 on 2011-04-17:

I'm sorry but it sounds like you did not send in the information needed. What information are they asking for? They can request the information needed from the doctor but they need an authorization form due to Federal privacy regulations. Leet60 does not know what he or she is talking about. Were you there for there training? No you were not, but I was. They are instructed to find every reason to pay. I am no longer there due to moving out of town but I've noticed something about customers in every industry. There are going to be those that have to complain when it they have no valid complaint.

Posted by leet60 on 2011-04-19:

@sjacobs3377. You are correct, I was not there with AFLAC for the training. I worked for other insurers, as a claims representative for over 12 years, and without exception, across 4 different insurers, this is exactly what I experienced.

While legally this is a "bad faith" practice it is more widespread than most believe. Several of the companies I worked for paid bonuses and incentives to lowball and/or deny claims. Many states have began to legislate against this practice.

There is good information here if you want a reference:

http://www.senmorgancarroll.com/blog/sb10-076-insurance-bonuses-to-deny-claims

Posted by sjacobs3377 on 2011-04-19:

leet60, I apologize for how my comment sounded. I didn't mean any offense. I can understand where you are coming from but I can assure that Aflac does not do that. I read the webpage you provided the link. I don't understand how the companies could get away with it. I was not there so I can't say about other companies, I can only say about my experience. I can see were you are coming from. But in my experience, most people don't take the time to read the coverage they sign up for. For example, people getting upset because they have an accident policy and they were treated for a flu. No insurance covers everything and people need to know what they are paying for before they have to use it. We are all guilty for not reading policies, contracts, etc. And it is difficult to help someone over the phone because they tell you one thing and you help them based on that and then what they send in is completely different from what they told and then they are upset because it is not covered. I can go on and on. But my point is that they are an ethical company and more people have had a positive experience than negative and the negative is not the company's fault.

Posted by jktshff1 on 2011-04-19:

sia, how are you able to "assure" that Aflac does not do that"?

Posted by sjacobs3377 on 2011-04-19:

I used to work there.