Preview Review

Next Review

Aflac Insurance Consumer Reviews - Page 2

Most Popular | Newest | More Options >
More filter options:
Ripped off by AFLAC
By -

LOS ANGELES, CALIFORNIA -- AFLAC is it real or too good to be true? Every firefighter has been approached by several insurance representatives that have claimed that they have the right product for your needs. We all have seen the commercials where you see an injured person in a cast sitting there and the AFLAC quack with money. If you are injured and cannot work, AFLAC will take care of those little things. This may be true for some but not for many.

I have always paid my premiums on time, believed if you do the right thing it will come back. What you are not told by AFLAC is that you need to maintain your personal medical records and when you have a claim and the documentation your claim may be denied. This specifically is what you need for an accident claim.

Follow-up care (included a list of treatment dates on the doctors letterhead or prescription note pad…this includes copies of the medical bills). Physical Therapy (Include a list of physical therapy treatment dates on a doctor's letterhead or prescription pad and copies of the bills). Employer's Report or Occupational Report – 166's (if your injury happened IOD).

X-Ray Report – (if there was a fracture). Police Report – (if you were driving a vehicle involved in a traffic accident). Ambulance (Proof of such an ambulance bill or service invoice). Crutches, Wheelchairs, Leg braces, Back Braces – Include proof of any ambulatory device. Hospitalization – (Itemized billing from the business office of the hospital if you were there for over 24 hours due to an accident).

Operative report – Include this report from your doctor if surgery was required to treat your injuries). Accidental Death- (Include a copy of the death certificate). What they do not tell you is that you will only get reimbursed for six doctor visits and six physical therapy visits. I was not informed of this till I gathered 45 physical therapy visits and 15 doctor visits for one shoulder incident. I still have several years of two bad knees to battle with them.

If you have an IOD accident they may pay your claim. Personally it took over three months to get copies of billing and doctor's reports from TriStar. In the event of a death of a member you must prove that you have the durable power of attorney, copies of marriage certificates just to access records.

If you have a Personal Recovery Plus policy, you need all of the above in addition, it is up to you or your family to see that all of the paperwork is completed and still the claim may be denied. The Personal Recovery Plus policy only covers heart attacks, stroke, coronary artery bypass surgery, end-stage renal failure, major organ transplants, major third degree burns (not 1st & 2nd ), coma and paralysis.

Please note that there is a difference between a heart attack and cardiac arrest and cardiopulmonary arrest and that is only one will pay you on your claim. The money is not much but the principle is. My advice to you is to check your policies very close so your families will not have to endure more losses. The loss of my husband is devastating and knowing he wanted me to be taken care of and not taken to the cleaners by AFLAC. If you do not like what you see only you can change it. I did and cancelled my remaining policies with them.

Replies
No Problems. Just Poorly Informed
By -

PASADENA, CA -- I have been an AFLAC agent for six years. I am surprised to hear that some have been unhappy about the service or products. To ** from Houston of Houston, TX on 9/10/2008. It is impossible for AFLAC to lose a fax. Their system is completely electronic. Faxes are viewable on computers only after they are received. Each fax is chronologically logged.

If you send a fax to ensure that it was received note the time and verify with AFLAC that it has been received or print your confirmation. Just give the representative the date time and phone number they can track the fax. Many times multiple pages will go through the claimant's fax at once resulting in “a page missing” at AFLAC. Your money is worth assuring that the pages feed through the fax properly.

The customer service representatives are required to give full first names at the beginning of each call and last name when asked. As with any business, problems do arise. You may also ask for a tracking number. A tracking number creates an ongoing log until your issue is resolved.

Ask the representative to repeat the questions you asked during the call and to review their answers to your questions that is the information that will be within the tracking number. The next time you call give the representative the tracking number. I would never stop paying my AFLAC, which I purchased before I became an agent. Claims are usually promptly paid within three days and I have a check in hand within 10 days.

To ** of New York, NY on 9/9/2008. I am sorry that your agent didn't explain the Short Term Disability to you very well. Here's how it works. Any claim in the first 30 days for sickness (pregnancy included) is considered pre-existing. All sicknesses claimed in the first 30 days require a waiting period of one year. No claims will be paid for that year for that illness.

If you take a maternity leave due to complications of the pregnancy within the first 10 months you own the policy here's how it works. The day you take leave is the first day of your elimination period. AFTER your elimination period is exhausted AND BEFORE the baby is born is the first day you may claim. Your claim ends the day the baby arrives because you haven't owned the policy 10 months.

If you have owned the policy for 10 months or more at the time of a claim; your claim begins the day after the elimination period is exhausted and ends on the day you are released from the doctor's care to return to work or the benefit period you purchased is exhausted, even if you take more time off to be with the baby. Short Term Disability Accidents occurring after the effective date are payable immediately.

To ** in NC on 9/8/08. Your agent sucks! Anyway the claims fax number is on the bottom of all claim forms. The reason you couldn't cancel is because you participated in your company's Section 125 Cafeteria Plan. You are required to participate for one year and should have signed paperwork that stated that you were aware of this rule.

To ** in Portland Oregon. I offer my condolences to you for the loss of your wife. You're agent should have informed you that AFLAC is not a primary insurance plan. It is designed to assist with paying the co-pays, deductibles and out of pocket expenses associated with being ill.

All AFLAC claims require documentation. The hospital bills, history and physical, and chemotherapy records and receipts should suffice to process the claim. Each claim is broken down by the payable event i.e. chemo, radiation, hospital stays, etc. If you discover paperwork that you don't think you were paid for event though you no longer own the policy you may still submit a claim for uncollected benefits. The claim form alone is not enough information to process a claim.

To ** in Frederick, MD on 7/19/2006. Your company is jerking you around AFLAC does not collect funds for the Dependent Care Account. It is held by your employer after deducting from your paycheck and the employer cuts a check to you from their account. Many times I have had companies using the employees'™ funds to float the business. It sounds like this is what has happened to you. As long as you submitted for reimbursement each month after the care was provided you should have the money back.

Many people don't understand the getting started in dependent day care is expensive to get started. Example 1/1/2009 you pay the caregiver and your deductions also begin. On 1/31/2009 you may claim for the first month. 2/1/2009 you have to pay the care giver and you deduction for the second month continues. 2/10/2009 you'll receive the first reimbursement. You've already paid four months in five weeks before the first reimbursement. Good luck to you all!

Replies
Claims and Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I filed an accident claim which took multiple emails, phone calls and faxes to resolve plus several weeks of my time. My agent flat out lied to me and I caught her in that lie. Finally got that resolved and now I called to ask a question about my life insurance policy and they lied straight to me yet again. BUYER BEWARE!!!! GO WITH ANOTHER COMPANY AS I WOULD NOT RECOMMEND AFLAC TO MY DOG AT THIS POINT!!!! If I could rate at no stars I would!!!

Replies
Worst company to deal with
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

INDIANA -- This company is a joke. They advertise next day pay, they never pay. They will take your money in premiums but will not pay out when it is time. DO NOT get your policy here.

Replies
Advertisement
Aflac Negative Reviews
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I have had Aflac for 10 years and have never had to file a claim. Upon reading these reviews, I've decided that I will never file a claim with them. I'll be cancelling my insurance immediately. It's unfortunate the way they do business from the countless requests for "more information" to the rude customer service reps. I will save my money and place in a savings account each month and I'll just file a claim with myself. I guarantee you it will be paid. Good luck all.

Replies
It's a Hassle to Cancel and Easy to Join. They Make It Easy to Get Your Money and Harder to Get It Back.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DALLAS, TEXAS -- I signed up for Insurance in December and tried to cancel because I realized I have to pay out of pocket first and then they will reimburse me and I just didn't have the upfront cash. The first time I called and cancelled it wasn't done. The second time I called to cancel they said they didn't see any notes of me canceling and charged me. Told me in order to get that money back I would have to fax them a letter stating what happened.

I decided it was too much of a hassle and forget it. It was just $30. Then I was charged the 3rd month and when I called and explained everything all over again they told me this time they had notes and would send me a refund check. They never explained that I would need to send a signed written note again. A week or two later (now) they send me a letter instead of my money saying that I have to send them a signed written authorization to verify that I want to cancel. What?

Was my word of mouth over the phone 3 times not good enough? Did the fact that I gave them all the security information they needed to know that I am the policy holder? Did I not already give you over $200 a month that I never used? And you are telling me you can refund me back my lousy $30 (only by check, of course).

They make it very easy by going through your bank and having all access to your account to take my $30 monthly but when you want your money from a mistake that they made you have to go through a process. This is the worst service I have ever had and I will tell my company that employs over 300 people, that let them come in monthly and offer their services, to not receive anymore services from this company because of the turmoil they will take you through. It is cheaper and the customer service is better with a real insurance company and less of a hassle!

Replies
AFLAC is a scam
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

COLUMBUS, GEORGIA -- About nine months ago during open registration at my place of employment AFLAC put on their Dog and Pony show about what great supplemental health insurance they were and how they would help pay your bills, etc. What AFLAC doesn't bother to tell you is that they make filing a claim that they will accept as difficult as possible. They have already denied a perfectly legitimate claim from me. I was looking into filing a claim for my wife, who was recently injured at work, when I discovered that AFLAC expects you to provide their claim form to the physical while you are being treated for the accident.

So while you are in the middle of an emergency you are expected to stop, logon to the AFLAC website, sign in, download and print the claim form. Perhaps AFLAC thinks you should download and a keep a copy of their accident claim form on your person at all times in the event that you might have an accident sometime in the future. Most of us don't have time to make an appointment with an attending physician after an accident to have them fill out an accident claim form, and most physicians are too busy treating the patient to take time to fill out AFLAC's accident claim form. Is this a criminal action?

Sadly no, but it goes beyond unethical. I understand that AFLAC is in business to make a profit, and I am sure they do quite well by making it as difficult as possible for its customers to file a claim. They might want to add the requirement that the accident form be signed with the blood of a Virgin, during the dark of the moon. The board of directors should be all over that idea. Anything to sweeten the bottom line and up those bonus dollars.

Replies
Do Your Homework
By -

I have been an agent with AFLAC for over 5 years. After reading several of these complaints I am very upset. AFLAC is one of the most ethical companies I have ever worked for. They don't try to find ways to not pay claims like heath insurance companies do. As consumers, you need to do your homework when purchasing the products. As agents, we only can give so much information when presenting to companies or employees. Employers tend to not want us to be there for very long. Our products are black and white. We ask questions upon signing up clients and based on their answers a policy is issued.

Like any company you have good and bad. If you go to a restaurant that you really like the food, but the server was horrible, are you never going back again? It is also your responsibility to read your policy when you receive it. I have heard people complain that AFLAC doesn't pay, but then when you get into the details you find out that they misrepresented themselves or didn't give all the info. They just want to vent because they didn't get paid! This isn't insurance to make money, it is for protection in the event you are hurt or sick.

I could go into soooo many stories of how it helped people in such a time of need, etc. but I don't have enough space. As Americans we always want to complain, but how about sharing when things do work. There are bad agents out there but there is also a great deal of us out there busting our butts for our clients. We do everything from A to Z. From enrollment, claims processing, wellness benefits and making sure you are getting the correct payment.

I bet if I called on all of you complaining I would find that you either didn't have all the info together or didn't tell the truth when you enrolled. AFLAC only has a one year look back for pre-existing, so remember, if you went to a Dr. and were diagnosed with anything within a year and purchased a policy then tried to file a claim, of course it is going to be denied! It's pre-existing! Most people only hear what they want to hear anyway, so I bet most of these complaints are due to not hearing what they were told or trying to get away with something when they know they aren't being truthful.

My own brother's wife signed up for AFLAC (disability) after going to the dr. and being told she would need a hysterectomy. When she filed the claim it was pre-existing. She new this, but hoped it would pay anyway. There is a reason we are a Fortune 200 company. We really do help people when they need us.

Replies
Advertisement
Aflac Are A Bunch Of Crooks!!!
By -

In January of 2010 AFLAC sent some agents to my job and I like an idiot signed up for Life insurance. Boy was that a BAD DECISION! My employer was taking out money from my paychecks and I THOUGHT everything was OK. In MARCH 2010 I got a letter from AFLAC stating that my policy had been cancelled due to my employer not paying the premium. My employer had cancelled checks of what they had paid.

The local representative told me that it was AFLAC's fault because they had not gotten the correct paperwork into my company's accountant. Because the original representative had quit! I was told in the first week of May that it would take 7-10 days to get a refund. My company gave me 1 month's worth of reimbursement because AFLAC was supposed to send them a check NOTHING!!!

So I called the representative she stated that a check was mailed out to me instead of my company which she stated would get the refund check since they are the ones who paid the premium. She stated that the check was mailed out on the 20th of May. Well it's the 1st of June and I still have nothing!!!

I called and spoke to a supervisor at AFLAC and he was the rudest person I have dealt within customer service. I then spoke with the representative again and all I got was "what do you want me to do?" They are all a bunch of crooks and I am going to seek the advice of an attorney. This has gone on since March. Thank GOD I didn't die and left my family with this big MESS!!!

DO NOT GET AFLAC!!! If they cannot send a simple refund check what makes people think that they will receive the services they are supposed to? Thanks for letting me express my OPINION about what a crummy outfit AFLAC really is!!!

Replies
AFLAC is ripping off my 69 year old dad
By -

My dad is a recently widowed 69 year old man who is getting the run-around from AFLAC. He has been paying on a whole life insurance policy for the past ten years, all for nothing. In May 2009 AFLAC sent him a renewal form giving him the option of terming his policy or rolling it over to a whole life policy. He chose to roll it over and mailed the form back THE NEXT DAY.

A couple weeks passed and he heard nothing from AFLAC. He called corporate and learned via a recorded message that his life insurance had been termed. He called AFLAC and they told him they never received his renewal notice. Granted he should have made a copy of the form and sent it back certified mail, but again he is 69 and recently widowed.

To this day he has not received his form to fill out. He has called AFLAC 5 times to get a status on this form. He finally got frustrated and I stepped in. Conveniently, even though I had his tracking number, policy number, date of birth, and SS# they would not tell me anything. I asked them if they could just fax me the form so he could get it filled out and sent back and conveniently again the agent told me it is not a form they can fax to me.

I called a local agent I used to deal with and she at least called Corporate and they told her the form was mailed out July 21, 2009. It is now August 4th and he has still not received this form!! My feeling is they just paid out on my step mothers' policy when she passed away, and since dad is 69 they are hoping he passes away before he can get the form signed!

We are at our wits end with this company and the complete run-around they are giving to my dad. I would not sign on with AFLAC if someone else paid my premiums! Tomorrow we will call them together just so they can tell us "it's in the mail"! A smart agent/representative would issue another form for the man to fill out. But it appears there aren't many smart agents at AFLAC!

Replies
Top of Page | Next Page >

Aflac Insurance Rating:
Star Half star Empty star Empty star Empty star
1.3 out of 5, based on 15 ratings and
39 reviews & complaints.
Contact Information:
Aflac
1932 Wynnton Rd.
Columbus, GA 31999
800-992-3522 (ph)
www.aflac.com
Product/Services
Compare General Insurance Companies