Aflac Short Term Disability Consumer Reviews - Page 2

LITTLE ROCK, ARKANSAS -- I just got Denied for short disability due to a "pre-existing condition" for back pain primary care physician related to scoliosis, before I went to doctor on 5/11/2018 I hadn't been to the doctor in 7 years, just doing wellness check up for insurance discounts for job for the last 4 years. All check up was fine, now that I have short term disability need to back pain that has been diagnosis now as a condition that requires surgery. I am LIVID!!

I am appealing this, simply because my MRI and X-Rays was done all in the last week and the results is I need surgery from the surgeon my primary physician referred me to. Monday morning I'm cancelling this short term disability claim that is not helping people when they need the most, why offer it when this company will quickly deny a claim for pre-existing condition... DO NOT BUY THIS SHORT TERM DISABILITY CLAIM... Now what I'm I suppose to do wait another 6 weeks for the denial letter.

COLORADO -- Claim submitted for left knee disc damage. Sent in all supporting documents, refusal for payment. MRI diagnosis meniscus disc tear. Degenerative arthritis, well I'm over 50 years of age. That is expected with age, but the tear is not. They declined to pay claim. Went to cancel policy, they said it was not purchased in my state I reside. I have never resided in another state nor did I purchase a policy out of state. There's another loophole they can use.

I did thank Aflac for taking my premiums for the last year, it was in good faith on my end. Another BIG company profiting from policyholders! Would not recommend to anyone. I have never posted a online before this, but buyer beware.

STERLING, COLORADO -- Aflac's emails and commercials are all lies! When they say a claim will be processed in 3-5 days it is a bland outright lie and they know it. It is closer to 13-15 days. So if you are like me and depending on your claim to help you get through while you are off work, don't depend too much. They need to be more upfront when you submit your forms on how long it will actually take.

CAPE MAY COURT HOUSE, NEW JERSEY -- A relative was diagnosed with a terminal disease this past July 2015. Completed paperwork August and faxed in. It is now December and no payment has been made. My relative passed away and Aflac will not talk to us because we are not the policy holder. Really?? Asked for a copy of Will, we sent it along with death certificate. Still no action. That was a month ago. Do not buy Aflac Insurance.

1953, GEORGIA -- So after getting all the paperwork in my claim for being out for hernia surgery was denied. I have been given no reason. The website says see messages, but there are no messages. Of course after reading all of these posts, I'm less than confident that I will be paid. My BF is a personal injury PA so I'm going to ask him to take a look, even though I've never asked for his help ever but this is wrong!

COLUMBUS, GEORGIA -- I was talked into getting Aflac by my co-workers. I just found out that I have a brain tumor that needs surgery. This was scheduled and I continued to work until my doctor felt I could no longer do my job. I was told by my doctor that he wanted me off work and I asked for some time to give my employer time to adjust my work load. He gave me two weeks.

I received the forms from my agent who said to have the doctor and my employer fill them out. He said that Aflac can't receive them prior to my date of disability but to send them to him and he would forward on my date of disability which he did. I was told that there was a one week waiting period. On the 7th day I received a letter from Aflac stating that they needed a completed form from my employer and physician. This was completed two weeks prior and forwarded by my agent in on my date of disability.

I called and spoke with a representative who said they received the papers but were not accepted because the date the doctor and my employer signed them was prior to the date of disability! Are you kidding me??? The first question on the form asks "first date of disability". What does it matter when they signed the papers??? I asked them to show me where in the policy it states this and was told it doesn't. When I questioned them, they said it was on the form requirement.

They are making my doctor and my employer refill the form just so they can change the date they signed it. OMG!!! All they needed to do was call my doctor and employer and verify but NOOOOO, I have to do the work for them. They refused to pass me on to a manager or to the audit department. They are an uncaring and unfeeling company and the representatives remind me of Spock.

My mother had a stroke on the 18th of October 2010. I received the paperwork to file for her short term disability, and after having to pay the doctor $300 to get it filled out, I submitted it to Aflac. By mid November they had sent a check but the amount was only $240, not even remotely close to what it should have been. As it turned out they only prorated the payment from the date of the stroke to the 30th of October when the doctor signed the form. A question regarding when she would be going back to work was left blank by the doctor because she won't be returning to work.

After taking the form back to the doctor to fill out the question on the form, I faxed it back to Aflac. Aflac then said there was white out on the form so they did not pay. Then in December I had her transferred to another hospital, and the doctor then filled out another form for me, which I faxed on the 23rd of December. They claimed they never received it. It was then faxed again in January, finally they said they cut a check on the 11th of January, it is now February 2nd and nothing.

Amazingly enough I received everything else from Aflac but somehow the check gets "lost". Now they say in order to reissue another check, they need my mother's authorization. I find all of this very frustrating because in the meantime, I'm the one paying my mother's COBRA premiums on my teaching salary. These people pay into these policies and trust they will be there when they need to use them, how shameful that it should take so much just to get what is theirs by right. I would rather someone just come out and say "we're not going to pay your mother" than to just have people continue to lie to me.

Now I have to figure out a way to put my disabled mother, whose speech is slurred from the stroke, on the phone with an Aflac representative to tell them she authorizes them to re-issue a check. How about a little common sense, why wouldn't someone re-issue a check, why does it need an authorization? Just do the right thing for God's sakes Aflac!!! Do the right thing!! Seriously I don't want to have to get an attorney, but if that's what it takes to do right by my mother I will!

I am very disappointed and feel I was lied to and scammed to believe Aflac is something great when in fact it is NOT! Like normal, a representative came out and presented all the Aflac policies to me and my co-workers. ** made them sound great! I had been having trouble with my hands, so when he asked if I would be interested in Short-Term Disability, I let him know that my hands are falling asleep a lot and I think it might be due to carpal tunnel syndrome. He told me that I should definitely get it but I have to wait until June to get the surgery done (this was in January) so it does not seem as pre-exsisting. I told him I would.

I did not get the surgery done until August and was told today, after waiting over 30 days, that my claim has been denied because in April I went to the doctor for symptoms of my hand falling asleep. He made it clear I had to wait until June to get the surgery done which was fine, but I asked him at least 3 times if I go to the doctor will I get denied, and he repeatedly told me NO. I was LIED to!

Now I am responsible for a $4,000.00 bill and not paid a dime for any lost wages. I am disgusted and cancelled my policy right away. Oh and I have another policy with them and was told I have to wait 90 days before the end of the year to cancel but was never told that when I signed up. So now they are continuing to take my money and I don't get crap from them. Nice. Horrible. DO NOT sign up! All you will get from Aflac is stress and a headache!

I had a horrifying experience with Aflac. I was pregnant when I signed up for a policy. I was assured by the sales representative in front of my employees that if anything went wrong, I would be covered throughout my pregnancy. This was not the case...

Upon experiencing severe abdominal pain, I was informed by my doctor that it was either my own and my child's life or my job...they were unsure of exactly what was wrong with me. Waiting for my claim to be processed was a very difficult time. I did not lose my home once but twice in this period of time. So not only was I jobless, I was pregnant and homeless. I became so far behind in my bills, I have never truly been able to catch up - still struggling to pay my car payments.

When I filed a claim, I was told that pregnancy is a pre-existing condition but it was not the pregnancy. My gall bladder had become so filled with stones, they were escaping and causing me severe discomfort, breathing problems, and difficulty moving. However the true root of the problem was not discovered until the morning after I gave birth.

I re-submitted my claim at this time, praying they would approve it because I never had any gall bladder issues, but once again was denied they stated that mental issues were not covered. It was not mental issues, it was my gall bladder. They did not process my claim correctly! When I called them they did not offer any explanation, only that I was denied. I was so frustrated by that time I was unable to find a lawyer that had any experience in dealing with this type of claim.

I am very disappointed in this company and its methods of getting people signed up. I was assured that if anything new came up I would be covered. I do not suggest buying into their policies! I am still suffering from the lack of income during that period of time.

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!!