Aflac
Reviews and Complaints

My name is Sonia Lewis and I have been an Independent Agent with AFLAC since 2009. During this time, my Regional and District coordinators changed frequently and the level of leadership was very questionable. I was one of very few people of color, specifically Black and I often wondered why. There is a "good old boys system" within the leadership structure and with agents. There is a lot of stealing of accounts and no legitimate assistance for helping agents build their book of business. I was sold a dream that is far from possible without the right structures and support from upper management being in place and investing time in agent development. I want to sue AFLAC or at least my local organization who has managed to push me out by serving me with a 30 day notice, not once but twice. The new management has used unethical and unprofessional methods to communicate desired outcomes to agents, specifically veteran agents. I have a lot to share with an attorney who can sift through a lot of information that has transpired over the past 8 years. From racial biases, gender biases to basic general practices like but not limited to taking account from new agents and so much more. I need someone to listen to the litany of issues and complaints that I witnessed/experienced first hand. I can be contacted at sonialewis37@yahoo.com

The complaints need to be made toward individual coordinators/agents. Not AFLAC. AFLAC is a great company and has been an unbelievable experience for me for the year and half I've been with the company. Are there unethical people within the organization? Of course. But the company? Does the right thing. In my opinion you are defaming ethical agents which are by far the majority, at least in my state, which is Tennessee by the way. All businesses have a pyramid structure of leadership. Pyramid has a negative connotation because of the schemes that circulate where people just pass money around. This is not a pyramid scheme just like other businesses are not. Look, selling AFLAC is no different than other jobs, it ain't for everybody. I along with many others are making an honest living doing it the right way and just supporting our families and working hard. It would be nice if people didn't try to hurt others because of their inability or sour grapes or whatever it REALLY is.

Reading these stories makes me laugh. This scenarios can be ANYwhere... law office... doctors office... police station. By golly, we have sexual harassment EVERYwhere! Regarding the unethical writing of business, that is ridiculous. As agents under our State Dept. of Insurance, we vow to NOT write shady business. Why fall in with the rats and go with the flow? Report them! That is what you are suppose to do! Are there unethical agents? Of course! As there is crooked lawyers, corrupt cops and shady politicians! You all make it sound like AFLAC is a shady company where all corrupt and liars work! Get real people! We are held to a higher accountability of ethics. If you see it going on, then REPORT IT! Our SSC does NOT tolerate unethical practices. Do we fame always? No. Do we win against other States? Not always! But our business is flawless, our policyholders are taken care of and we are able to sleep at night. Aflac is an ethical company who want ethical agents! And regarding their claim paying, I have seen them pay BEYOND what the policy states. Why? Because they can!

An Aflac Agent lies! I was an agent for this company. While being trained, I worked with an agent who would do anything to sell a policy. ANYTHING. There is a specific exclusion in AFLAC's policies regarding auto racing. He would tell people it only counted if you were racing for money. I called AFLAC, and they said it applied even if you were injured as a spectator walking through the pits!
Sexual harassment is common in this company. Just ask the former SSC of Iowa, who was sued by his admin for sending her naked pictures of himself. How about one of his former RSC's who was alternated between telling his admin she was so fat he was going to send her to Weight Watchers, or that she didn't wear clothing tight enough to show off her t*ts.
AFLAC stinks! Run away from this company as fast as you can!

I don't know who your State Sales Training Coordinator was, but I have never heard another agent speak about his Aflacexperience with stories like yours. First, most first year agents don't make alot of money. Second, we are never encouraged to lie or make things up. Aflac has a fraud unit, and if you experience or know about fradulent activity, you are supposed to report it. I'm surprised you didn't do that since it is on the agent website and there are often postings to remind agents of their ethical duty to report fraud.

I worked for aflac for a year in marriottsvile, and i enjoyed making big $$$, but i got to the point were i was seeing these poor old people that im trained to enroll and seeing their struggling eyes.. I want teveryone to know that AFLAC IS A SCAM.
We are trained to tell people about fake claims, and FAKe insidences that supposedly occured "the last holiday" and everyone is trained to say the same thing, so people start to think about it amd we hand out fake diagrams and fake previous claims that the potential customers start believing after a preasuring presentation..
so a lot of people end up signing up a for that we are telling will not be submitted untill we get an answer the next day, but the agents enter it anyway and make it all finalized.
then they are telling everyone that due to an irs law, they can not cancel for a year and they are locked in. these customers try to get out, but they are locked in because they employer is worried about the irs laws and does not let them get out of it. their only way out it through termination..
PEOPLE, IVE been there, and DONE THIS
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I DONT KNOW HOW TO MAKE THIS MORE CLEAR
they pay out, but 80% of the things are not covered once it actually occurs.
and yes some people do get a nice payout, but that was a 1 time case in the year that i worked there, and bu the way, I worked in the STATE headquarters and out office was #1 in thge country.
sorry for the grammer erroe, just typing on a lunch break at my new office job.

First of all AFLAC does not charge according to your wages, if you are referring to the disabilty policy, you are eligible to purchase units based on our annual income before overtime. If they lowered your units it is because you did not give your correct annual income. When you file a disability claim our emplyer has to fill out a claim form which asks what your base salary is before overtime and if it is less than what AFLAC has on record then they will lower your units to coincide with your income. I am just commenting on what you wrote, if there is more to it let me know. I too live in Louisiana and I am familiar with all of the policies that are offered in this state by AFLAC and this compaint that you have written about can only pertain to the disability. I would get all of your facts straight before filing complaints and lawsuits. Also, if you were under the assumption that you could be covered by disabilty to include your overtime income the one to blame is the agent that signed you up, they must not know that they are doing or didn't explain it well enough.

I am also seeking an attorney to represent me in a wrongful termination suit based on an implied employee/employer relationship (though we are deemed independent contractors but if in management not treated as such) against Aflac. Any assistance in providing name(s) of an attorney firm that has successfully won a court case or out-of-court settlement in such an action would be greatly appreciated. I can't leave details here as if they get wind of this, my contract will be cancelled and renewals terminated, as is their standard practice if/when someone complains of such treatment. Please help.. anybody?

My name is Frank Collatt. I am from Abbeville, Louisiana, and I also have had my share of problems with AFLAC. I now have a retained attorney who is investigating claim(s) of AFLAC charging a Premium based on your Gross Pay, yet when and if benefits are paid out, they want to drop your "units" to your base pay and/or lower. Then they hold payments for a long time before they actually pay them out. I am not alone with this complaint, and I also know several people that worked for AFLAC, and have heard their horror stories during their employment, as well as after they left AFLAC.

My phone number is [protected] ClassAdvocate if you will be kind enough to call, maybe we can assist each other with these matters. I also was mis-led, and remain 100% disabled. You may call anytime between
8am and 10pm central time. I will be more than happy to discuss this matter with you, as well as inform you as to who my attorney is. My attorney has also talked to the State of Louisiana Insurance Commissioner, as well as other attorneys, and I do not plan to drop this matter at any cost. Thank you

Sincerely,
Frank Collatt

I was in the hospital for a new illness and aflac tell me its pre existing and ut wasn't. Ran all over got the papers they needed still no pat for hispital ambulance or shot term. Aflac us a quack insurance company. I advise everyone not to accept thus run aroun lying company!

I am a teacher and am having a huge problem with AFLAC. They simply refuse to pay for my short term disability. HAs anyone successfully sued AFLAC? I need a good lawyer. I am not going away AFLAC!

I am going through the same thing, I had 2 seperate surgeries performed with one surgical intervention on April 28th. AFLAC has given me the run around for months, since May 09 also. One surgery was for a pre-existing condition that I was already scheduled to have surgery for. Before the surgery I developed a new non pre-existing issue that also needed surgery. Both surgeons agreed it was in my best interest to do both with one opening then to have me opened twice. When I appealled based on the new issue not being pre-existing they told me to have my surgeon write a letter to that regard and they would approve it. I got the letter, then they wanted something else, this has gone on for months. Each time I prove what they wanted they find something else for me to do. Now they want a doctor to explain something from my surgical notes that they have had since May 25th, now they have a question about that. This has gotten to the point where I feel I am being harassed by AFLAC, I have proven over and over again that the new condition was not pre-existing, letters from doctors, EOB's, c-scan results, meeting with a representative and now they come up with another thing. AFLAC as far as I am concerned is a legalized savings account for a corporation, they dont keep their word and they make everything difficult. I have lost so many hours from work to leave and get letters from doctors, spend hours on the phone and drive all over the place for their newest request. I was out for 4 weeks and my doctor even wrote a letter that I was out that long because of the non pre-existing part of the surgery. Trust me dont spend your hard earned money with this company and their duck, go with a customer caring company like Colonial (aflac's biggest competition), AFLAC is a bunch of quacks !

I've never had a problem with Aflac everytime I ever needed them they helped me okay. I just went out on disability on the 10th of this month and I've already recieved my payments. Sorry anyone else is having problems but they treated me okay.

I sneezed and threw my back out. I had a hard time getting Aflack to settle up for my week of lost wages. I tried to file a complaint with bbb they would not get involved. I contacted the state insurance regulation board and finally got a check. I feel Aflack wants a reputation they don't deserve. I still have a policy with aalack because i feel all insurance companies have the same policy deny, deny, deny until you get a state agency or an attorney involved and force them to pay !

I am a single mom who was diagnosed with a rare, genetic cancer at age 32. I had signed up for AFLAC at work. I ended up having 12 surgeries, being in the hospital for around 5 months, and AFLAC always paid for every single treatment and hospital stay. No hassles. I think some people don't read their policies or take the time to file a proper claim. My experience with this company has always been positive.

I have been dealing Aflac for a month know, I have TIA ( mini strokes ) . I had one rep to actually listen to what I had to say, I could hear her tapping her keyboard looking at my information, I was asked to call back Monday . And yet again more paper work and to hear that I had this condition before and my claim probably would be denied. Know I am totally lost . Because I have TIA and this can happen at anytime my claim might be denied. But this was not explain at the time of me purchasing the of the insurance . Call the young lady who sold the insurance and still wanting for her to call me back. Know they had NO PROBLEMING taking their MONEY out m check . But I am getting the FULL RUN AROUND to get paid . That one day stuff they talk is a JOKE and so is that four day . If was not for my husband and mother I don't know what I do . Thanks for letting mr share .

I am reading some of the complaints/reviews it is utterly discussing that some of you think people don't read their policy. I have read and read my policy and nothing has happen. They lie and lie but if they don't get the your payment, its a big problem. How dare anyone pass judgement, just because you got paid without the hassles that others are enduring. It's really bad I had surgery on 08/28/15, yet to receive anything from them. I keep signing the same paperwork over and over. So don't just everyone because you didn't have any problems. You're one of the few that got paid without a fight.

Aflac you are disgusting after reading all of these you are truely a scammer how do you thieves live with your self remember what you did to those poor people when you get bad things happening to your loved ones it's all on your shoulders. You brought it on your self

Terry wilson/ nashville, tn.
I slipped a disc in my lower back 1/10/15. On 1/15/15 I was taken out of work for 7 days by an orthopedic. I faxed the proper aflac forms then aflac sent by mail a request for my 2013 w2 tax info I faxed my tax return. A week later I called aflac they informed me I faxed the wrong information. No one from aflac bothered to let me know. I faxed my 2013 w2 form on 2/14/15. On 2/20/15 I call aflac they verify they received the 2013 w2 forms. On saturday 2/21/15 I receive a letter 2nd request for 2013 w2 form. The letter was dated 2/11/15 the envelope the letter was mailed in was dated 2/17/15. Ok my point aflac claims to pay most claims in 4 days if it takes them 6 days to get a letter they typed in the mail then there is no way they can pay in 4 days. I used to feel secure having aflac now I'm just scared they will financialy ruin me if I have a serious accident!

AFLAC is a waste of money! I was diagnosed with a right side ing. hernia in Sept. that happened while I was moving shelving in my garage at home. The problem happened on a sat. went to my dr on Monday (had annual check up that day already). Dr checked and referred me to a surgeon. Had the repair done and had the surgeon submit the claim for me. The claim was denied saying they needed a copy of the chart notes from the first dr, and a diagnosis code showing hernia due to bodily injury. I got the notes from the dr. and asked about the diagnosis code. As per my dr. there is no such code. So I appealed the claim and submitted the notes. The claim was denied again! They tell me it's not in the notes (it was). and there is no proof it was an accident. How are you supposed to prove that? Maybe the duck needs to watch you.. who knows.
As I told them on the phone I do plan on telling my 10, 000 coworkers what a waste of money this plan is.

I have filed 3 accident claims in 3 years, 2 for my husband, 1 fir me. All ER visits. I think if you claim a broken bone or other injury, you have to have gotten treatment and filed claim within 1 year. It cannot be pre-existing. If you're filing for short term disability for childbirth, the policy has to be in effect 9 months. Read, read, read your policy! I have 3, and have read them from cover to cover. Thst way, i know ALL the requirements. If it is a work injury (a hernia from unloading boxes at work is a WORK INJURY, THERE FOR IT IS A WORK COMP ISSUE). not sure if AFLAC pays for work comp. But see it from their viewpoint... you say it was am accident caused at work unloading boxes and you didn't file the REQUIRE REPORTS to the employer, yet you want AFLAC to pay you JUST BECAUSE YOU SAY SO? DUH, i wouldnt be surprised when they didn't pay . wow...

I broke my nose in May 2013, was seen in the ER, provided them with the visit note and later ENT note with plan to do surgery. Because an Xray was not done at the time of ER visit, (my nose was obviously broken) they are refusing to pay for facial bone fracture under accident policy. They are asking for a CT. It is too late. I have submitted 4 Dr's notes saying I have a fractured nose!

My experience with my clients is the opposite, they tell me about all the exciting moments of receiving checks from AFLAC quickly. AFLACT: 70 cents out of every dollar AFLAC is paid out. My suggestion is have your agent contact AFLAC to find out what the proper documentation is needed. Or call AFLAC direct at 1-800-go-aflac

Aflac doesn't cover prescriptions. HIPPA doesn't cover anything about social security numbers. It's only about how your medical information is handled. Aflac wouldn't ask for your bank statement to show you bought medicine because it is not a covered benefit. So what is this about? It doesn't make sense. Sorry.

I have been trying yo get Aflac to STOP taking money out of my check since July2012 my husband passed away and they are still charging me so I decided to just cancel curbing open season the are still stealing my money and have not answered calls paid me my money back I'm going to take their ### to court because this has been going on 7 months.Just ridiculous for a company to be able to STEAL people money and get away with it

the person above is correct your company can only make a change request unless your in open enrollment period...

Contact your agent... you can get the info from your boss. Because of tax laws, your aflac policy is not supposed to be cancelled mid plan year unless you leave the company. Your boss can authorize it to be ok for you to cancel but you both would need to talk to your agent about that.

I had a partial nephrectomy due to a mass they found on my kidney and I filed a claim but they said since it wasn't found to be a spreading cancer tumor they don't cover that. I got aflac to cover situations like this. I got the accident and also critical illness and they wouldn't pay anything to me. I was hospitalized and had surgery to get it removed and was also out of work for 6 weeks to recover. I am very VERY disappointed in aflac. They make billions of dollars and won't pay out on a claim because it ended up being a very rare carcinoma that isn't one that spreads cancer.

Aflac is a horrible company... average wait time on the phone is around 1.5 hours. We couldn't reach them by phone last week and were forced to set an appointment time for a call back. That was Thursday and our first option was today, Wednesday the following week. They gave us the option of Tuesday on the recording (right, you never speak with real people), but when we asked for Tuesday they set it for Wednesday at 10:15 AM. It's currently 11:03 and still no call. I tried calling again, and once again it's over an hour wait time. My mom passed several months ago and we have been trying to stop the drafts, but it's virtually impossible to reach anyone with that company. Read all the reviews on all of the sites, not just this one.. they are consistently rated poor by customers AND people who work for them! A consistent poor record... and as I read the responses from their reps in the threads above, even these people are shooting back and arguing, and placing all the blame on the clients! Read the responses, sounds like they are trained to constantly respond to nothing but complaints, they sound extremely defensive! LOL... horrendous company!

First off my frustration with AFLAC started many years ago. My wife and I pay them alomost 2k a year. A few years back I had a Heat Stroke / Heat Exhaustion which nearly killed me. They though I had brain damage and a blood clot in my lungs as well. Took me over three months to recover and get back to work. We called them and they said it was not covered because they "viewed heat stroke as a diliberate act". Boy was I pissed. Fast forward to now. I got hurt and require surgery and will be out of work for up to a month. Call them back to submit claim. I was told I will get a $125.00 payout. That's a joke.

I have short term disability with Aflac and just have surgery in July I have been calling customer service every day since the 16th of July in regards to my claim. After ten days and three faxes from my doctors office they stated my claim was good and going to an auditor today I call and was informed that I am now waiting for my agent to give them info on my claim. The person I spoke to today said that since I went to my doctor last June in regards to having this surgery it is per existing but needless to say I have been paying for short term for two years now. I'm sure that your duck is being taken care of during his rehab my bills need payed and I'm not getting anything from your company I just my have to rethink my enrollment next year Cjs

Meggs, I'm sorry for what you and your fiance is going through. I am not trying to sound rude but you are trashing the company but you are not giving any specific details. Alot of factors can affect a claim and policy. When did the policy go into effect? Initial disability claim forms has only one page for the employer and two pages for the physician. If there are further information needed other than date then they have to make sure there were no pre-existing conditions. The first thing you should do is read the policy very well. When a person signs up for a policy there are questions on the policy application that must be answered. The answers to these questions determine whether or not a person can be issued a policy. These questions and requirements on policy eligibility can differ from policy to policy and state to state. For example if the policy application asks if the person to be covered has been treated for diabetes in the last 12 months and the answer selected is no and then a policy is issued based on the information provided. Then when a claim is filed and the information indicates that the person was treated for diabetes then they have to request further information to make sure the policy was completed correctly. Once they get all the information needed they will pay if it is a valid claim. However, if medical records indicate the application was completed incorrectly, and if the questions had been answered correctly, it would not have been issued in the first place. If this happens then usually the policy will be canceled as if it was never issued and a full refund is given to the policyholder for all premiums paid minus any claims that were paid if any. How is this Aflac's fault because the policyholder did not answer the application correctly. When you sign up for a policy you should always listen carefully and make sure you understand the questions when you answer. Once a policy is issued and you get your copy you should READ YOUR POLICY! and it also usually has a copy of your application and you should read it carefully to make sure that it was answered correctly and that the agent marked the correct answers you told them. If you get a lawyer make sure you have a copy of your policy. If you go in front of a judge and the judge sees a copy of the policy, the policy application and the medical records he or she will want to know why you are wasting his or her time.

I'm not trying to be rude but I've noticed in several different business that most customer complaints are unwarranted! This includes myself. That is why anytime I have a complaint with any business, I always remain calm and polite. When you show people respect they are more willing to help with what they have the power to help with.

I've noticed with many businesses, most customers with legitimate complaints are usually more polite, understand and respectful. While most customers with invalid complaints are normally the loudest and rudest people ever. It is difficult to help people like that.

my fiance was diagnose with a dibilitating disease and has an aflac poilcy he filed his claim in june '10, here we are in november '10 and still no decision on his disabilty claim. He has now been out of work for over 6 months. Aflac kept asking for more and more medical records, they all have been provided by ALL of his doctors. Now they just keep saying the poilcy is in review, and he should have an answer within a few days, they have been saying that since sept '10. Oh and i failed to mention that they are still with drawing over $100 out of his account each month, but if he cancels the policy then they will deny his claim! Aflac is awful, i will never recommend them to anyone! bills are going unpaid, credit is ruined, and savings is gone! next step is for us to get a lawyer!

WJE,
First I am very sorr for our loss and frustration. I have been with AFLAC for 11 years, if you would like I would be more that happy to help you. Typically one of the first things that AFLAC will need is the death certificate. Also, was there a will? My email address is canell_shanna@yahoo.com. I have no problem giving you a phone number to contact me, but I do not want to give it in this setting. I will need some more information in order to look into this for you. I help people everyday and I love what I do and I love AFLAC. I understand your frustration with this matter as I have gotten frustrated myself with situations involving a policyholder passing away, but ALFAC does have guidlines to follow and they have to follow certain laws. Now that being said it usually is easier for an agent to get things done, all of my clients know that I handle all of their claims myself, I do not want them to have to deal with headquarters, not because of problems, but when I sell a policy I sell a promise and my promise is to be here when they need me and to live up to what I told them. Servicing to me is what I get paid to do.

Aflac is the worst company I have ever dealt with because they will give you no other phone number than their customer service number. My brother-in-law passed away in October. A claim was filed with Aflac and it was paid promptly but, I believe, in error. I have read the policy multiple times and dispute the payment amount. I am the power of attorney for my sister, the widow, who is in a nursing home. There is no executor because the estate was too small to probate. The widow inherited everything. Aflac customer service reps will not discuss the claim with me at all because they don't understand what to do when there is no estate executor. I sent all of the information they requested, multiple times, and the customer service department sent it on to their legal department. It has been over two months. I call regularly. They will not give me a phone number for the legal department. They will not let me speak to the customer service supervisor. They will not respond to my letters. One morning my wife called and a customer service rep. told her he would speak to me but not her. That afternoon, when I called, I was told they couldn't discuss the policy with me because the legal department had not yet reviewed my POA.
(This is a very old policy and I can't locate the agent who may have passed.) If anyone has a name and phone number that I can call to get to a person who will check into my situation, I would appreciate getting it. WJE

I have been a purchaser of many products and services and know that the presentations give by sales reps sounds good but its up to the people the purchaser to read what they are signing and have knowledge of things before they purchase. Aflac pays claims everyday. They save houses and keep families afloat. There are so many great stories about Aflac but there are also some that did not understand the entirety of their policies in the beginning and therefore are having problems. There is no delay processing with claims if there are problems like stated above additional documentation is needed for the claim; there is a app that is to be completed with any insurance policy issuance. There is a section in policies that indicate everything and every issue that anyone above is having that will give you answers to your questions. If you were expecting disability and don't have a disability policy you won't be paid for disability, someone at Aflac can help you whether its getting the additional information needed for your claim or explaining your policy to you you just have to be willing to listen and understand that your complaint is probably not valid after reading the policy verbiage. I am living proof Aflac pays you just have to get the correct policies that apply for you and read and learn about that policy. And for the denied torn muscle the $145 is payment for your incident but you should read your policy and you will see and understand why you received the payment that you did. Your complaint was not justified. Aflac pays valid claims and per the policy language.

Sorry, but there is more to your claim than you are letting on. If you truly had an injury, they would pay for the first visit and any other follow up visits up to a stated maximum number. If you want to be paid specifically for a torn muscle, I refer you to your policy language. It does NOT state that torn muscles qualify for a lump sum injury benefit. Also, you state you have been out of work for 2 weeks. The Accident policy is NOT a Disability policy; it doesn't pay you for days out of work; only for doctors visits, surgery and hospitalization. I'm sorry that you didn't read your policy after you bought it, but there is no scam here. Just someone who didn't bother to read what he had bought.

I agree with the complaints. Insurers are contacting company and were fed up with the improper handling of claims process.

I worked for Aflac for 4 years. I was a National Convention qaulifier amongst many other fancy awards.
I had to quit this company because the way we were enrolling people for a large account I had was unethical.
When I left the company, they people in my upline apparently defamed my name and made up lies to make themselves look better. What a shame. These people were teaching us how to do this type of enrollment and then had the nuts to say the oddest things about me when I decided to walk away from their scam. The client called me up to tell me what they said.
We are currently sending our complaints and seeking top notch representation.
Aflacs main attorney is trying to swindle his way out of the defamation part by stating State and Regional coordinators are independent contractors...but we all know that isnt the 100% truth. Aflac appoints these folks to leadership roles and tells them to soley represent Aflac. Then these individuals are to go down to our accounts and take them over when we leave. Then they go and destroy an agents name? they cost me a job because of the crazy things they said.
We are going to the department of insurance and are considering making signs and marching outside since Aflac did not want to take responsibility for the damage they caused.
good luck folks- stay away from this company. It is a strange pyramid.

I am alarmed that folks would freely post complaints without contating the company directly allowing them the opportunity to address discrepancies. I believe it is simply too easy to bad mouth companies without offering them the opportunity to correct the core issue.

I got a denial leter saying my claim was not covered by an accident.It was not submitted for an accident, was supposed to be for perventative health care which you have been covering.And i am very unhappay with your service on other employee at my co.that has not been paid promptly.
I would appreciate if someone would take care of this problem
charlie wharton
killingsworth pest control inc.
3 chestnut ave se
fort walton bch. fl.

I am a licensed Insurance agent and have seen this problem over and over again by Aflac agents. I know I was contracted with them for about 2 months before I cancelled my agreement with them.
You absolutely have a claim against the agent. That is why we as insurance agents carry errors and ommissions insurance. It is like malpractice insurance. If we make a mistake you the policy holder do not have to suffer for it.

I have problem with them and will not have anything to do with them I an in norfokl VA
and at one time call about a policy and no one ever return my call I gust one they rip you they do not talk to any more
Thant my 2 cent worth

I need to jump into this Aflac as This company has ruined my life. I have been fighting 3 years now to get 15 claims and way more . The only thing aflac does great is collect premiums. They even refuse to cancel this non working service and continue to start committing fraud on your credit card. Do not make the mistake of autopay and hope to stop when you realize you have been ripped off for years. I have full time help that I can't even pay after having horrible luck and broke my back for a third time. I had surgery last year and still need another. I might have been able to manage my business of 28 years if I had money coming in to pay my bills with this BS advertisement of same day pay. How about everything ever asked of me 20 times over to get emails for the 10th time that say your claim has been accepted but due to security reason we cannot mention the nature of your claim online. a letter will come to you with the information . Then nothing happens the whole piece of lies and garbage starts all over. I have worked on my story that is going public to all media outlet. The biggest liars and stallers of all are your agents or at least mine were. I read all of this before I got hurt and kept asking my agent the same questions the she has never answered. I told them when they did both presentations in my office they were being recorded on surveillance so they needed to be accurate on their answers. It was sort of a joking comment but my questions were so detailed as they seem to yes everything and make it sound so easy. After being in business 28 years and kicking Aflac out of my office at least once a year . They just did not seem to fit what I needed in case something happened. ^ years ago I crushed my hand with a forklift. Drove myself to the ER . I happen to know the top hand surgeon in the state if not country. She saved my butt when I was a teenager and again 6 years ago. she told me not to let then cut it off, just get a plastic surgeon to try and make it look like a hand and she will rebuild it. She did exactly that but it took a year of surgeries. That scared me enough to get supplemental insurance since I am raising my daughters myself. Aflac said all the right thing but delivered nothing. The more I read about this company being a scam the more I told my agent I was not comfortable giving that company that much money . She played me worst then all. I heard it all. I would not let a father I respect so much waste his money. to we are a fortune 500 company to my friend all get covered . Still never answered my first questions still played around throwing smoke screens on small claims that were never paid except the $25 BS doctor visit that no one should ever cash. That locks you into accepting their service you paid. perfect example after my first surgery when I was disabled and ran out of lies and excuses she actually offered me my money back which was substantially lower than what they owed me. I said ok I would rather take that then deal with yours and your companies lies forever. Then she changed it to I mean we can give you your money back to your last claim. lies again. I said that's fine I never cashed your $25 check. I read a while back from a previous agent never to make that mistake so yes I'll take the refund since you have not gotten one claim handled in over a year. Then the lies a BS got thicker. Here came the I'll walk you through everything fortune 500 blah blah blah. When they ran my company out of business I made sure to get her my credit card info so she couldn't use my payments as an excuse. She sat on that over a month with 4 email of mine saying I'm not seeing the aflac charges on my card what are you up to now. She responded your policy expired I can't do anything for you. That's funny I just recieved in the mail today from aflac that my company was no longer paying but to keep going without interruptions I had 30 days from now to set up payment. Then she tried several more lies to try and tell my what I paid for without skipping a beat was not going to be covered. Only i read all the complaints and tricks they would use I read the policies over and over making sure I understood everything she avoided telling me everytime I put her on the spot and asked the questions. Finally she just ignored after I sent her recording that I started conversations with this is being recorded. Her emails of lies and contradictions . Some other agent took over for her I already knew this guy would be a waste of time. i tried getting info on their dental policy for 6 weeks then this jerk says we don't really sell many of these. You couldn't tell me you were this useless 6 weeks ago? My friend took over as Aflac literally was putting me in the hospital with stress High BP created cushing's syndrome as I watched everything I ever built disappear due to a worthless service that owed me not one but 2 disability policies, hospital stay, how do you deny hospital stay ? talk about worthless. they make you chase down papers that take 6 weeks to get from the hospital . When you send that in they have to review and turn it down . It's incredible how horrible this company is. If anyone on here is praising this garbage company you either collected the $25 doctor visit and think wow this is the greatest deal . If you are one of those and cannot calculate how much premium that cost you than You belong as a client of these crooks . The others are either employees or paid to do it. which is probably $25. There is no way that This piece of lies and garbage company can so easily ruin my life and so many others rated 1 star have so many complaints get praising from anyone. They also owe me a TV. The balls they have putting their duck on TV advertising same day payout. I through a glass through the TV. The one thing that is going to happen if the legal system doesn't step in. I'm waiting for an attorney who has beaten them several times. Even better I ran into a friend in my industry a few weeks ago. We were talking I always make sure to mention why I'm in poverty so fast Never will I let the opportunity to mention Aflac's raping of my daughters college funds we needed to survive losing everything to lies and denials. He said I was thinking about them for my business. Not anymore he's not. Best part is he has over 200 employees. Don't you ever let anyone sign up with the devil duck.

I have a hospital policy was admitted from the emergency room to the hospital for 4 days first day I was impatient then I was put on observation they did not pay my claim because they said that I was not admitted, but admitted through the emergency room. I pay a lot through my job per year just to have aflac when I needed it they denied it I'm getting rid of it

I was doing yardwork and I had pain in my back I had an xray and an mri which revealed I had a ruptured disc after evaluation my Doctor scheduled me for surgery which I had. I also was scheduled for physical therapy. I filed a claim and was told by Klinette on March 20 2018 that I was not covered? I asked to be transferred to a manager which she would not do. For crying out loud I am on the phone for over an hour at this point. I told her I WANT TO CANCEL MY POLICY. She then has to transfer me? I get connected to Courtney and she says hold on and now I get connected to Kim, she wants to know why I want to cancel, I explain briefly an she says oh ok your policy will be cancelled on April 15th. What a joke then I go to the complaint site about Aflac and wow what a shame poor Phyllis works hard I guess all the money that is collected from consumers like myself pays for her overtime she must be overwhelmed. As a consumer I am disappointed and overwhelmed also. It seems like more time spent on hold with various calls and and no pay outs not even a call if something is in question.

my hubby had bypass surgery the 23rd of sept aflac turned us down saying it was preexisting disease that is far from the truth we paid on this faithfully for sometime now we hes got at least 5 -6 weeks more to recoup we need this reviewed and help is needed theres no way someone plans on having a heart attack and needed bypass surgery

Been with AFLAC 15 years paid THOUSANDS of dollars for coverage - never filed a claim. Suffered a severe ankle sprain, could not work, had surgery, submitted all forms from Employer, Surgeon - Claim denied based on their beliefs the doctors procedures were done surgically on what they could deem an accident. Spoke with rep as soon as I learned it was denied, got a very rude and heartless rep.
I would suggest other alternatives to this company. They make you go through every possible piece of scrap paper for info and provide them with it, only to have them make you wait out the 4-7 business days and deny you.

Someone please Roast that Goose on a open pit!

I had a baby on March 22 and was put out of work early due to hypertension. 3 weeks later I still had not recd a ck when I emailed and called about this I was told my agent was on vacation. The girl covering claimed the dr had not sent in the paperwork. Come to find out she sent the papers to the wrong fax number. Thank God I did her job for her of following up. Now I am still out due to issues and my agent is once again on vacation. Aflac only paid me for 6 weeks but in their system they say they paid up until June and they have no answer on how that happend. Now everything has been sent back in and they are now saying they have paid full benefits and they haven't so now I have to request they re evaluate everything. I have done more work getting myself paid and I have not once been able to speak to my agent. I do not recommend them for short term at all

They fu###d me over after time and 500 miles of driving and resubmitting claims they accept the disability part payout 30 percent of wages which was suppose to be 70 and deny the accident yep I meant to get hurt and go have surgery on my arm the agents sure sugar coated it when they sold me the policy.

Aflac is B.S. They sure like taking your money.
But cannot seem to help...
Costemer service or agent
Had to deal with them for over two months, promissed coverage the day of signature, was not true they baled and said the accident happened before coverage
They were taking my money for a month
.They are A joke

over charged on policy, removed children whom were over the age requirement. the billing charge was not lowered. i had to go to my work and have the right charge presented. never was reimbusrt for the previous months. could not get thecustermer service rep. to understand the owed me from july to december of 2009. approx. $23.00 per bi-weekly six months worth of back pay. which is approx. $256.00.

The company that I work for, allowed AFLAC to come in and offer coverage to their employess and a group rate which is suppose to be a lower rate than it would as an individual plan. what happens is the payroll dept. deducts your fees however you set it up. Mine is on a weekly deduction for example. AFLAC bills and sends the invoice once a month to the company, it is the companies responsiblity to send the payments to AFLAC to pay the monthly premiums.

If bills are sent to you from AFLAC, you can bet your bottom dollar that the company for which you work is deducting these fees, but are not sending in the money that they they are taking from your pay check.

tata.aig.life.inshurance.policy.about my husband.reply soon.

As an Aflac employee for 10 plus years working daily with billing issues, if your employer were forwarding your payroll deductions in a timely manner, you would not be billed at home. We offer an extended time for these premiums to be remitted prior to contacting policyholders. Our contacting you directly is aimed at protecting our policyholders.

i had a problem like that too...but my company was lying to me...i asked for a copy of all the payments that was sent and guess what...my policies were not being paid on time from my company...i was wondering why i was getting bills at home if i pay from my check at work. ask aflac to send you a copy of your payment history they are really good about trying to please us customers...and the customer service are really friendly...i hope this helps.

I would like to know when will configuration be done. When will the portal be working properly? When will the provider be getting paid for the service that was done? When will we be seeing the correct reimbursement?

Had a heart attack, after faxing hundreds of documents and getting false information every time i call. I dont think ill ever get anything from them.dysfunctional customer service never has any answers . Im done, i give up! They got my money and bent me over lying cheating and stealing their way out of a claim, buyer beware, aflac is a scam...

Aflac agent tells my wife who just found out pregnancy with home test agent tells wife to sign up for insurance and that she would be paid & others have been paid as long as she hasn't gone to DR yet. when claim was filed, agent tells wife sorry must be covered for 10 months. agent lied to get wife to signup & get commission! need to find lawyer

Aflac needs to get their [censored] together and the representatives all to be on the same page its a constant [censored] show dealing with this company...this is my second claim that i have had issues with...they are very negligent with customer paperwork

Why is AFLAC long term care so popular in Japan?

Total disrespect thru the entire 3 interviews, never called back on time, never followed up with me and only pay thru PAYPAL so they can easily put an immediate hold on all your money immediately. Stay away...OR Good Luck!