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Aflac
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143 complaints
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L
5:59 am
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Aflac - denied accident claim

I have paid for accident insurance for years with AFLAC. On a Friday, I fell hard coming off of my front step, falling into concrete yard stones, and had a burst fracture in my spine. The doctor said I needed surgery and they put screws and a cage around 3 vertabra with a hook for support. On the day of my accident, when I fell I laid in the yard screaming...

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B
8:14 pm
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Aflac - claims denial

As I have stated in a prior complaint ... because of Aflac my family will be homeless. I understand what my policy states now... not the point. Aflac told me that I could have another claim even though I didn't have two weeks of work in between my claims. Then they sat on it for a month, aflac even didn't notify me that my work didn't pay them til the last...

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B
11:52 am
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Aflac - our family will be homeless because of aflac lies

First let me say Aflac paid a claim for my back already ...
At the end of my back claim I went into the ER and was diagnosed with MULTIPLE pulmonary embolisms and one masive saddle embolism in my lungs. I was in the hospital for 10 days. I almost died. Getting out of the hospital I called Aflac and after considering my new set of problems they said yes I could file a separate claim for my lungs ... I just need enough time to go to physical therapy to get my lungs in shape to go back to work. They told me what I needed to get paperwork wise and I did. Then they sat and waited for 3 weeks not giving me an answer until 6-12-15 at which point I had been waiting for a month and a half with no money. I am our only income. If they would have told me last month NO I would have drug myself to work anyway ... now they tell me my lung problem is a continuation of my back problem and that they would have never paid because I should have gone back to work for 2 weeks in between claims. Now I cannot pay for anything. I am almost 2 months behind on rent ... can't make my car or phone payment ... and really this could end with my family in the street. Just because they told me a lie and kept me waiting for over a month ... maybe I should camp out on Aflac doorstep ... our whole family ... I really am just so hurt and don't know what to do.

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Update by Brenda Hilger
Jun 17, 2015 2:24 pm

Thank you I sent you an email

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2:36 am
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Aflac - very rude $ nasty agent

Agent Nicole May, from a city in CA, came to check into our hotel, on business, a day after the visit of a wonderful rep named Robyn, who is really hoping to get our business . After stomping up to the counter while I was preparing guest receipts, she was extremely nasty to me as I tried to be pleasant with her while checking her in. She even threw her ID...

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Aflac - stealing accounts

AFLAC is a great company with great products, and unlimited income potential. The problem they have is that there are many unscrupulous managers. The State Operation where I worked had many of them, from the State Manager on down. I, along with several other agents/coordinators, had our hard earned accounts "reassigned" to thee spouses of the managers above...

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G
12:39 pm
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Aflac - poor salesmanship behavior

A representative from Aflac named Joanna called requesting to speak to the person who handles employee benefits. After explaining to her that I could take her information for future use, which she gave me, but that we are not interested in changing companies, she wanted to know if she could drop off materials for the person, I told her yes, and she replied she needed to get approval from the specific person. I explained to her that he has requested not to receive sales calls and she replied "I don't even know why I am having this conversation with you." I told her, again, that she could drop off materials for the manager to peruse at his convenience and she hung up on me. So for what it's worth, Aflac or whoever, her name is Joanna and her phone number is 214-253-3120.

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4:27 pm
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Aflac - sales consultant position is a scam.

It's a scam. It's a revolving door. The top 2% make it and the rest either struggle or fail. Hardcore sales. They only give you 2 months then cancel your contract. In the time I was there I had 2 small groups and some other big ones in my sales pipeline. Guess it wasn't enough. They dissed me and will probably get themselves some paydays from my work. They...

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N
11:17 am
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Aflac - not covering a claim

I was admitted to a hospital for a illness and it was deemed a disability by my doctor and i was told my aflac agent it was covered and all i had to was submit all the paper work. And i did that while i was in this hospital for 60 days no payment when i got out i went to the agent and was told that the adjusters denied the claim saying it was not a disability in their eyes. When my doctor signed paper work and it is a disability in the medial icd codes. And my blue cross short term disability covered it as a short term disability and covered it with out any questions. Who are these adjusters? Are they doctors? Do they have the right to change a diagnosis? This is discrimination when they say they are going to cover anything that is deemed a disability. Them they change there minds because they don't like the diagnosis.

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S
2:36 pm
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Aflac - stole my money and did not provide services

My policies with AFLAC originally began on 9/12/12. Due to mishandling of my policies, both were terminated shortly after that date and I was never informed Only after checking into it because I became pregnant, I realized and reactivated both policies on March 5th 2013. On June 18th, I was informed by an AFLAC representative REF # Q01WC82 that both of my policies were again inactive/terminated. Caller stated it was because no payment was received for March, April, and May. I was advised to call my employer. I spoke to the Human Resources Director at Wellington Retreat on this date, who informed me that they have proof of invoices paid to AFLAC through 4/1/13. Furthermore, she called AFLAC Ref# Q01WDY5, again payment on their end was verified. Please note: that on March 18th, I called into AFLAC and enrolled in AFLAC ALWAYS. I provided a VISA credit card and was ensured that payment deductions would be taken once my employer made their last invoice payment, which should have been in April’s invoice. To my knowledge, payment was being made on my VISA. I have documentation to prove this.
I also spoke to a supervisor at AFLAC customer service, Mr. Troy Coler REF# O010B0C on this date, in attempts to gather more data. He stated that my credit card information was removed from the system and therefore, my policy was terminated. Please be advised: I NEVER REMOVED MY CREDIT CARD INFORMATION. In addition, this is contradictory of my previous call to AFLAC as stated above. I am currently 24 weeks pregnant and was depending on the moneys I would receive through my short term disability policy. At this time, I have no policy.
Lastly, I spoke with Kristina Bergman, who is an AFLAC representative that originally enrolled me in these policies. She is aware of the continuous mishandling of my health care and offered me apology on behalf of AFLAC. This company has caused me a tremendous amount of unnecessary stress to both me and my unborn child. Furthermore, I do not feel comfortable having my health care in your hands.
At this time, I am requesting a FULL REFUND of payments provided to you since 9/2012. I have paid you a few hundred dollars and have had my policy inactive throughout most of the time. The constant confusion and mishandling as led me to believe that this company is not representing themselves as promised. I will not pay for something I never received, nor do I feel I should be held liable for your mishandling. I have documents and proof that indicate I took the necessary actions to ensure my policy remain active. Also, I never received any kind of notice from AFLAC that my policy would be terminated. I do not want my policy active at this time, as I do not feel comfortable placing my health in the hands of this company.
On 6/27/13, I spoke with Escalation Services Lakesha M, who informed me that my request has been DENIED. My refund in the amount of over $600.00 is being denied stating that, “I could have filed a claim in that time.” The fact is, I couldn’t have filed a claim because my policies were inactive most of the time. Furthermore, They stated “they apologize that the system failed and did not register my Visa Credit Card and therefore, my account was terminated. So because their system was not operating correctly, they have taken my money and have left me with no coverage for my short term disability (maternity leave). This company stole my money and did not provide me with any services. I have just seen their have been over 400 complaints in the past 1 year filed against them.

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4:10 am
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Aflac - no help

Back in january i was hospitalized with acute bronchitis / asthma. I spent six days in the hospital. Aflac rep told me he would send the proper paperwork which he did, doctor filled them out and was mailed back. After he received them he tells me a letter would be sent back to me if they need additional info. I got a letter of course. So i called the hospital because they requested my discharge records from hospital (Hospital was sent the same letter it said) , but administration at hospital didn't receive anything. The last letter i got told me that they have closed my claim until they receive what they asked for. This is the end of may, i still have not gotten any help from them, and i am starting to get bills that are needing payment. My best advise for anyone thinking of getting aflac insurance - - don't! You won't get any help! They suck!

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H
Nov 22, 2013 3:35 am

I am fighting with AFLAC becaue my current, (an older policy) includes bee sting. Instead of telling me what part they cover, they keep refusing my claim and telling me to put the back in for the things they cover...but they won't tell me what those things are. I think they just don't want to pay on the policy even though I am covered.

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M
Oct 24, 2013 3:35 am

Call Aflac directly and a real live person will walk you through the claims process - taking as much time as you like. All forms can be downloaded from the computer and you can fax them in yourself after filled out (usually 2 pages). A receipt from the doc or hospital is needed for the right codes that the insurance industry needs to appropriately interpret and account for your claim. Its easy - 1. download and print out claim form. 2 fill out and have doc sign. 3. keep original receipt with codes designating the nature of injury/illness 4. fax in. 5. wait for the check to come within 4 days. This is not hard.

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C
2:24 pm
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Aflac - what forms to supply

Aflac is a great company. You just need to know how to file forms and what documents you need to get from your providers. You also are given policies in the mail that you need to actually read. Aflac gives you a ten day free look to make sure you understand what you are buying. They also have a wonderful website full of information and their customer service department are very helpful. Ok. If you go to the emergency room of a hospital with or without admission, the hospital uses a form that you can get a copy of after about a week called a UB04. These form shows the charges for everything you had done...ambulance ride, tests, medicines, lab work, treatments, equipment, admission/discharge date, surgery, days in hospital, intensive care, just ER visit, etc. Submit this with your Aflac form and generally that will be all you need for that visit. If you are treated by a physician or urgent care then you need the 1500
HEALTH INSURANCE CLAIM FORM to go with the claim form. This form basically has the same type information as the UB04. Both forms include diagnoses. Again, you would normally have to wait about a week or two before requesting copies of the forms. Normally, I just tell the providers that I want the forms for my medical records if they ask. They do not charge for a copy of today. That could be different in your area. Once I submit that form by fax, and my claim form, thru Aflac's website because it is easier, my check/s are in my hands within a week or so. Hope this helps. Remember, read your policies. Once I learned what Aflac needed to verify my claim, it was easy. I wouldn't expect my homeowners insurance to pay me for a damaged house without coming out to see it and do an estimate of value. With these forms, I find that I end up getting paid more money on things I didn't know would be covered because Aflac has the total information and because I have multiple policies, they cross check my coverages and pays me on all of them that it applies to the incident, even though I didn't file a separate claim on the others.

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J
3:39 pm
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Aflac - not covering on accident

So I get the run around which is the big piss off. I go to sleep one night wake up not knowing what was going on have spots in my arm which got infected swelled and I had to have surgery to get rid of the infection I was hospitalized. Get down to it first claim they say skin disorders are not covered. Talk to rep riley hicks she says well try spider bite in...

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Aflac - scam

WATCH OUT!!! These are a complete scam!! They (like many corrupt/fony businesses) constantly advertise in Newspaper- "The Augusta Chronicle" claiming to by a connected to "Aflac", when they are NOT, and they don't really hire anyone -OR PAY anyone that works hard for them, they ripp off unsuspecting new employees, and make false promises about real...

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A
2:12 am

Aflac - lottery scam

I received letter from Aflac-payment Alliance International which informed me about $50, 000 lottery prize that I’ve won and in order to claim that prize I had to cash the check that was enclosed within that letter and use that money to pay taxes, that check proved to be fake and I’m in $4k debt now.

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Jun 17, 2012 3:35 am

Yeah, those kind of things are major scams. This is why it's so important to do your research on these kinds of things since they're floating around all over. A real lottery is one that you actually enter that doesn't involve you cashing any form of check to receive, that should've been a huge red flag for you.

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M
5:07 am
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Aflac - rip off

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 AFLC 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 it's 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.

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L
Nov 03, 2014 3:35 am

Basically you wanted them to pay you just because you said so. I only know AFLAC by the claims of mine that have been paid. But you naturally don't have the form when going to ER..ok, makes sense. And ER docs will NOT fill out AND form if you didn't have it with you during treatment.. why you ask? Because by the time you show back up to ER with the form can be hours, days or even weeks later. In the meantime, he/she has seen hundreds of patients and the doc doesn't know or recognize you. So, to get the form filled out, you need to go see your regular doc for a follow up appt, but you won't do that. REGARDLESS that you were to GET a followup and didn't want to PLUS you can get ur form done than.
Wow!
And YOU are upset that they won't pay basically just because YOU SAID SO!
READ YOU PLAN, FOLLOW THE RULES, and you be pleasantly surprised!

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V
8:23 pm
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Aflac - steals

BEWARE! AFLAC scams! AFLAC denies access to my FSA funds! AFLAC collects funds bimonthly into my FSA, then denies the use of my debit card at physicians and dentist offices! When I call to complain, they say, "Oops. We made a mistake, " and vow to correct it. But they don't. Repeatedly. By making it so extremely difficult to access MY hard-earned money, they are hoping I will eventually give up and they can keep my funds at the end of the year. This behavior is so unethical - Amos must a Bernie Madoff clone!

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H

Its the duck's fault.

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M
10:50 pm
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Aflac - refuse to pay claim

To make a long story short aflac look's for ways not to pay their depts, i can't believe a company with those cute commercials could be so evil minded.

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C
Mar 29, 2013 3:35 am

Aflac is a great company. You just need to know how to file forms and what documents you need to get from your providers. You also are given policies in the mail that you need to actually read. Aflac gives you a ten day free look to make sure you understand what you are buying. They also have a wonderful website full of information and their customer service department are very helpful. Ok. If you go to the emergency room of a hospital with or without admission, the hospital uses a form that you can get a copy of after about a week called a UB04. These form shows the charges for everything you had done...ambulance ride, tests, medicines, lab work, treatments, equipment, admission/discharge date, surgery, days in hospital, intensive care, just ER visit, etc. Submit this with your Aflac form and generally that will be all you need for that visit. If you are treated by a physician or urgent care then you need the 1500
HEALTH INSURANCE CLAIM FORM to go with the claim form. This form basically has the same type information as the UB04. Both forms include diagnoses. Again, you would normally have to wait about a week or two before requesting copies of the forms. Normally, I just tell the providers that I want the forms for my medical records if they ask. They do not charge for a copy of today. That could be different in your area. Once I submit that form by fax, and my claim form, thru Aflac's website because it is easier, my check/s are in my hands within a week or so. Hope this helps. Remember, read your policies. Once I learned what Aflac needed to verify my claim, it was easy. I wouldn't expect my homeowners insurance to pay me for a damaged house without coming out to see it and do an estimate of value. With these forms, I find that I end up getting paid more money on things I didn't know would be covered because Aflac has the total information and because I have multiple policies, they cross check my coverages and pays me on all of them that it applies to the incident, even though I didn't file a separate claim on the others.

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M
12:34 pm
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Aflac - denied claim

My partner's sister passed away in march of this year and left everything to her ; knowing she had a paid to date policy with aflac for hospital i. C. U care since the 70's made her day thinking she could pay off bill's still owed out, my girlfriend had to pay the hospital for the records to be sent to aflac twice with all the proof of her i. C. U visit's ;...

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J
10:06 pm
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Aflac - hospital indemnity

Aflac hospital indemnity policy is snakeoil insurance if you have ever had a previous hospitalization. They look for reasons not to pay and dare you to do something about the situation

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C
Mar 29, 2013 3:35 am

Aflac is a great company. You just need to know how to file forms and what documents you need to get from your providers. You also are given policies in the mail that you need to actually read. Aflac gives you a ten day free look to make sure you understand what you are buying. They also have a wonderful website full of information and their customer service department are very helpful. Ok. If you go to the emergency room of a hospital with or without admission, the hospital uses a form that you can get a copy of after about a week called a UB04. These form shows the charges for everything you had done...ambulance ride, tests, medicines, lab work, treatments, equipment, admission/discharge date, surgery, days in hospital, intensive care, just ER visit, etc. Submit this with your Aflac form and generally that will be all you need for that visit. If you are treated by a physician or urgent care then you need the 1500
HEALTH INSURANCE CLAIM FORM to go with the claim form. This form basically has the same type information as the UB04. Both forms include diagnoses. Again, you would normally have to wait about a week or two before requesting copies of the forms. Normally, I just tell the providers that I want the forms for my medical records if they ask. They do not charge for a copy of today. That could be different in your area. Once I submit that form by fax, and my claim form, thru Aflac's website because it is easier, my check/s are in my hands within a week or so. Hope this helps. Remember, read your policies. Once I learned what Aflac needed to verify my claim, it was easy. I wouldn't expect my homeowners insurance to pay me for a damaged house without coming out to see it and do an estimate of value. With these forms, I find that I end up getting paid more money on things I didn't know would be covered because Aflac has the total information and because I have multiple policies, they cross check my coverages and pays me on all of them that it applies to the incident, even though I didn't file a separate claim on the others.

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L
Sep 08, 2012 3:35 am

I had surgery back in June and filed my hospital indemnity claim. I sent in ALL necessary paperwork for the claim. It is now September and I have received NOTHING. When I contact them, they state they are waiting on doctor statement though it was included in the original claim. I am sick and tired of AFLAC not wanting to do good on their claims. I have been reading sooooo many complaints online on this company. I had no idea other people were dealing with this too. They sucker us poor people who are just looking for additional cover as a "just in case". It is not fair or right. I agree with this complaint.

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1 0
N
11:49 pm
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Aflac - not paying claim

I have paid into to AFLAC policy for three years, luckily I had never had to make a claim in the past. Recently I became ill and my doctor suggested that I stay out of work for 3 weeks. I filed Short Term Disability form and it was denied. They claimed that my doctor completed the paperwork incorrectly. I asked the doctor to re-do the paper work to their specs and it was denied again. This time AFLAC adjuster claimed that they called my doctor and she told them that I was off my choice and not for illness.
My doctor swears that this is not true especially since she is the one who filled in the form stating that I was physically ill. Which I am.
I use to rest assured thinking that AFLAC had my back - now I know that they will do anything to NOT pay a claim!

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B
Mar 14, 2022 3:35 am

Yes Aflac is not paying my claim either and now I am locked into paying via payroll deductuion until next open enrollment when I can dump this policy.

I called twice to make sure they would pay the claim if I stayed overnight in the hospital I was told yes twice but they would not give me anytig in writing. Now they say that even though I stayed overnight in the hosptial they need a itemized bill with the room charge on it. The hospital said the surgery I had includes a room for the night and they don't split it out. But they can itemize a pill I took for 70.00 but they can't itemize what the room charge was. How ridiculous. They said the surgery was like a package deal all one price which includes the room - it shows a admit date and a discharge date and that isn't enought to verify I stayed overnight. Looks like it is time to get an attorney.

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M
Oct 24, 2013 3:35 am

Short Term Disability pays when you are out of work for 30 days to 3 months. 3 weeks is only 21 days. What Aflac did was legal and outlined explicitly in your policy. 3 weeks off the job doesn't give you a claim on STD. However - an illness policy would have paid you cash for all dr visits, the diagnosis and and cash for each diagnostic exam!

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C
Mar 29, 2013 3:35 am

Ask to see a copy of the form that the doctor submitted. May be just a clerical error from doctor's office.

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