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2.0 169 Reviews

Aflac Complaints Summary

42 Resolved
127 Unresolved
Our verdict: When using services from Aflac with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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Aflac reviews & complaints 169

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5:07 am EDT
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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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LMHERE
Sumter, US
Nov 03, 2014 9:35 pm EST

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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8:23 pm EDT
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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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Heywood Jablowme
Atlanta, US
Oct 08, 2011 3:24 am EDT

Its the duck's fault.

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10:50 pm EDT
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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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Cat128
Myrtle beach, US
Mar 29, 2013 2:33 pm EDT

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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12:34 pm EDT
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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 ; she seem's to be getting the run - around and i can't believe a company i thought was in good - standing with it's customers wouldn't have so many unhappy client's including us ; i'm not writing just to be writing but i personally know everything we sent the aflac people covered 100% of her claim and when we call aflac it's alway's a different rep with unclear nonsense about her claim; as a honorable discharged disabled veteran i feel i have the right to call this company unpatriotic who only care's about lining their pockets and are clearly what's wrong with our country today.

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LARocc
, US
Aug 01, 2015 5:53 am EDT

I have paid for accident insurance for years. On a Friday, I fell 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, I fell, and was in excrutiating pain. My husband called an ambulance which took me to the emergency room, and I had surgery a couple days later. Aflac is now denying my claim stating it was not caused by an accident, but rather an illness. I fell, fractured my vertabra in my spine. I have previously had no illness, no broken bones, and when I fell, I literally felt the horrible pain of my fracture, and I knew what had happened. In some tests, my bones were found to be a little soft, but, not osteoporosis, and it has never culminated in any bones breaking, and I have fallen, been in car accident, I skate, jump on trampolines, ride thrill rides, but because one comment the doctor made, AFLAC jumped on a band wagon stating it was not caused by an accident. I wish they could feel what it is like to fall and fracture a vertabra when they impact with garden stones on the ground bending spine so hard, and waiting in pain for an ambulance. I fell hard, and it was an accident. If not for this accident, I would not have a fractured spine. I don't know what to do. They give you no information whatsoever, just a denial letter. So frustrating. Be wary about paying for accident insurance that does not pay, when you have a terrible accident!

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10:06 pm EDT
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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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Cat128
Myrtle beach, US
Mar 29, 2013 2:43 pm EDT

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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lnmcarthur
Richmond, US
Sep 08, 2012 6:36 pm EDT

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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11:49 pm EDT
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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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Bugsrabbit
palmetto, US
Mar 14, 2022 3:52 pm EDT

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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Miss Ethics
, US
Oct 24, 2013 10:06 pm EDT

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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Cat128
Myrtle beach, US
Mar 29, 2013 2:27 pm EDT

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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11:24 am EDT

Aflac stay away

When you pay into and insurance co. weekly, you expect to get help when you need it. aflac does not help. my husband is going to be off work for 8 weeks because of surgery. aflac paid him 966.00. that is supposed to fix everything. i want to know id they can pay their bills and buy groceries with that piddly ### amount of money. this co. is major rip-off if you ask me.

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CVFoote
Boardman, US
May 16, 2011 1:37 am EDT

Sorry to hear of your disatisfaction, however there may be many reasons for the amount that your husband recieved which might explain why it was not as much as you need. First and most importantly, disability is not intended to entirely replace lost income. The amount is often determined by state law
Your husbands benefit amount is determined by his salary, however he may have chosen a lesser amount as that is a choice that some make to at least cover some of their bills.
Another factor that may apply is your husbands "elimination period", which is the length of time you must be off work before your benefit period starts. Generally for a sickness, which is what your husbands surgery would be classified as, that period is 7 or 14 days. Some people choose longer elimination periods if they have sick leave.
Another possible reason for the amount is that the claim is paid based on how the doctor fills out the claim form. There are two questions on the form that are used to determine the EDOS (end date of service) which is the last day that the claim is paid for. The claim is paid for either, 1. the date of expected return to work or 2. the date of the next appointment. If your husbands doctor said that he could be off for 8 weeks but also put down that his next appointment was 4 weeks then the claim will be paid to the next appointment date. You can check on this by examing the EOB (explanation of benefits) which is attached to the check you recieved. You may also call your agent and ask them to determine those dates or other points that I have previously mentioned.
I hope that this will help you to understand, and possibly gain more money from your husbands claim.

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9:11 am EDT

Aflac job harassment

I don't have Aflac insurance. My complaint is their incessant harassment and spamming of my e-mail to work for their company. I posted my resume about a year ago for a computer programming position on a local job searching website (and once I found a job, I took it down), and since then I've been slammed with e-mails, phone calls, and voicemails from their company telling me they have a position available for me as a salesperson.

I have called back and replied to e-mails telling them I'm not interested. Then I told them to remove me from their mailing lists because I keep getting offers.

I tried calling back a last time because I got yet another voicemail, almost one year after I initially posted my resume, telling the person as nicely as I could that at this point I feel harassed, and would really appreciate it if they would stop all further contact with me.

The person I spoke to laughed and said he knows I need this job, and that I should be grateful that he even wants me. WHAT? Baffled, I told him that I have a fantastic career in computer programming and would NEVER need a job at Aflac! He then HUNG UP ON ME!

Seriously Aflac - go find people that actually need jobs and please leave me alone! I don't know how else to tell you no - but seriously NO I'M NOT INTERESTED.

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ryanrhone0000
, US
May 12, 2011 1:31 am EDT
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[protected]

Aflac Job harrassment has happened to me as well and it goes beyond several email spams per week that I mark as SPAM, forward to goverment anti-spam email addresses and try to unsubscribe, if possible. Many friends/colleagues and myself have experienced this harrassment after posting our resumes to online job sites, even securely when our contact info is not viewable, such as careerbuilder, monster, etc.

I also get CALLED at least once or more a week, usually in the evenings, sometimes two separate people calling the same night. They obviously don't read my resume or care, they just want me to "start a new career by working my way up and come in for an interview". They call you for an interview which is in fact a "seminar" where you and other people are shoved in a room with a video and pep talk about selling their insurance. The job has nothing to do with my current resume objectives, past positions or experience.

I've emailed and asked on the phone to be removed from their call and email lists and to be put on their DO NOT CALL list, but to no avail. Recently, I've been getting emails from silverman.region.hr@gmail.com, with replies sent to aflac-recruiting@yahoo.com.

Tonight was deplorable! A man from Silverman Region Insurance, an AFLAC affiliate/subsidiary, and American Family Life Assurance Company of Columbus, was very unprofessional and rude. When I asked to be removed from the list, I was yelled at to "THEN REMOVE YOUR RESUME FROM ONLINE!" and then the unprofessional male hung up on me.

He mumbled his name but his cell phone number is [protected]. I tried to call back, but there is a generic voicemail with no name or company, just the cell phone number. I was able to trace the number to a Baltimore address.

I've had major job boards try to block Aflac (and their subsidaries/afflilates, like Silverman, American Life ). However, many job boards require you to "unsubscribe" from the emails themselves, but most Aflac "reps" remove the unsubscribe. The latest email I received was signed, April Kennedy, Aflac Regional Recruiter, April_kennedy@us.aflac.com and had an unsubscribe. I did unsubscribe and will forward this message to her for escalation/resolution and see if anything can or will be done.

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3:26 pm EDT
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Aflac payment on claims

I have cancer again for the 3rd time and since november i've submitted at least 1 sometimes 2 claims per month. I would say that 8 out of 10 times i've had to call and have my claim re - submitted due to underpayment. Never have i been once over paid. Also, losing paper work has happened as well. I have complained repeatedly about this and was even told that i had to prove i still had cancer and was not going into the hospital for treatments just for monetary gain.
I finally received a call from a supervisor that assured me this would not happen again and she would be handling all my claims from here on out. Lo and behold, the next claim i was paid 400. 00 instead of 1000. 00. I tried to reach the supervisor and she has not returned my calls or emails. Next step is the insurance commissioner. I have had it with this terrible company and would advise anyone against buying any products from them. Ever.

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CatinCT
Stratford, US
Feb 20, 2014 9:43 am EST

I'm so sorry you of all people have to go through this. It all boils down to 1. do you know what is covered? 2. do you know what is owed prior to submitting claim? and 3. do you know how to argue? I'm telling you with EACH AND EVERY CLAIM - EACH AND EVERY CLAIM (can't stress that enough) I'm underpaid or denied - then I have to call them out on their BS (gosh I wanna spell that out in all caps) and they "fix" it. Not to mention they won't "call" you and say "hey, something wrong with your claim" noooooooooooooo you have to wait for them to "mail" you something...oh no no no...I call up THE NEXT DAY after submitting now and say "I sent you this, do you need anything else?" You have to know what is covered, what they owe you and you have to run your own collections department. I can't believe that would be too easy in your case - but it sounds to me you're a true fighter! :) God Bless. Praying for full restoration!

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Wpayton5599
Bolingbrook, US
Apr 13, 2011 4:26 pm EDT
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I am so sorry to hear about your illness. I cannot imagine what you are going through. It really sucks that you have to fight with this company and customer no service. I will say in my experience, this is the first bad thing I have heard about AFLAC. I would call and request a different supervisor if that one is not available. Also, do you have an agent? Agents can be extremely helpful in these cases. They are more than happy to do the leg work for you. Please get well soon. I am rooting for you.

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Aflac not paying on claim

I have been paying for a family cancer policy with AFLAC for over 20 years. My husband was recently diagnosed with cancer. I filled out and submitted the appropriate forms to get the claims process started and they paid the first occurence payout promptly. Since then he has had further surgery and daily radiation treatments for which we were to be compensated $100 each day. I sent copies of his treatment schedule which showed each day he had been seen for treatment and they said that was not proof he had cancer. This is after they got his initial diagnosis. Dealing with cancer is stressful enough without having to call and fax and wind your way through a series of recordings. I will cancel this policy and encuorage everyone I know to avoid doing business with a company that works so hard to create difficulties for their clients.

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Update by AZ teacher
Apr 10, 2011 8:24 pm EDT

Like anything else, the sales person will tell you something but when you follow up you find out you were semi conned.

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AT77
Gulfport, US
Jul 04, 2012 8:48 am EDT
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I filed a claim on 6/4/12 and still haven't received my money! It's 7/4/12 today (Happy 4th) Aflac keeps dragging their feet. Keep telling my claim approved and give me a check # but no check! Maybe sent it pony express cause they said it was dated 6/14. Really?

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golittleperson
Madison, US
Jul 09, 2011 4:47 pm EDT

I'm so sorry for your battle, but I have asssited with many cancer claims for my clients - a bit of advise - Make sure you resent the initial claim form first page EVERY time you send in information and make sure it clearly state continuation of a claim. Not being devils advocate but Aflac processes about 4 million in claims daily and that is a lot of paper to shuffle. If the receive information from you and think it is a new claim, you get the messages you have. Make sure that your situation is ongoing and you are routed to the correct dept. Ask you agent to help - you don't need the extra pressure and he/she should know what aflac looks for. Chemo and Radiation must be coded and $ on some plans for the chemo. Easily obtained by your md. For surgical proceedures I normally ask for the surgeons notes - makes it very clear and then the Itezmized bills show inpatient vs out and so on. Wish I was close enough to help you - lost my Dad and he had nothing! Sold a lot of cancer coverage and seen A Lot of $ sent out. You should receive everything in your plan, read it - and I'll bet the first check was more than you have invested. Know you are in a though time, been there - but Aflac works.

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willie herring
Kinston, US
Apr 11, 2011 1:25 pm EDT
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Aflac has been and continues to scam North Carolina residents with its alleged accident only policy it says accident -- then when you have an accident Aflac complains whether your accident arose from an injury independent of sickness or disease. Policy says accident only nothing about it does not cover sickness. The exclusions and limitations are written so that whether injury is sequential or concurrent no coverage. The North Carolina Attorney General should pursue punitive damages.

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Aflac claim

I had knee surgery October 20th. I filed my claim the following week. They sent me a letter requesting my physician's notes. My physician's admin sent the information. When I phoned AFLAC, they told me there was a income discrepancy between what I submitted & what the job submitted. They also told me, once they clear that matter up, they'd have to reimburse me for the money I had been paying at a higher premium. I sent emails to 2 agents & headquarters.
As of today, I'm still waiting for my claim to be disbursed, because my status continues to say pending. I'm so frustrated with AFLAC, I don't know what else to do!

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Aflac underpayment of claims

I work for a small company with few benefits. I elected to purchased an Aflac policy, Hospital, Cancer, and Accident. Three years later, I was in a major accident. This is where Aflac should step in right, since i couldn’t work (in hospital) and my husband couldn’t work ( truck driver ), it's been 4 months and I’m still fighting to receive all of my benefits. They underpaid me on at least half of my claims. I was supposed to just fax in the Police report ( to prove I wasn’t drunk at 8:00am) and the itemized bill. Well of course that doesn’t show everything. READ every page of your policy, if you don’t. They will give you a $300 "miscellaneous" benefit rather than the $1250 Thoracic surgery benefit you should get and when you catch these mistakes be ready to explain it over and over to countless customer service reps who have no clue what your talking about and only know to argue with you over technical terms. I have spent hours on the phone with these people. It was so baffling to them that I was involved in an accident and it would actually involve two policies. They shorted me on ICU benefits, Ambulance Benefits, and Surgical Benefits. READ YOUR POLICY or they will "miss" every other thing.

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teresatango
West Palm Beach, US
Jan 21, 2011 7:05 pm EST

It always helps to work with the agent who sold you the policy if you are filing a claim. I wouldn't dream of going it on my own, even tho I'm computer savvy and know quite a bit about insurance.

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Consumer5986
Laporte, US
Nov 23, 2010 10:24 pm EST

I was sold a sickness accident and cancer policy at work. The agent never said there was a 10 month waiting period before a claim could be made against the sickness policy. My wife had an operation 3 months after the policy started not covered our daughter had a newborn oh that's not covered trust me put the money in the bank and if something happens pay yourself you will be further ahead. Also the agent never returns calls but he sure was a pest when selling the policy!

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10:09 am EDT
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Aflac disability

I want to warn prospective clients of aflac: do not buy this disability insurance: they are a scam and worse. They take your hard earned money and give you nothing in return should you need to file a claim. I had surgery may 6, 2010 necessitating filing a claim with aflac, and being out of work on disability for 6 weeks. I was told by aflac they would pay one day of disability! Do not fall for their false claims! You will be scammed out of your money!

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kaz4137
Murfreesboro, US
Apr 06, 2011 12:21 am EDT
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I have been diagnosed with a stage 2 brain tumor and Epilepsy. I am no longer able to work due to these factors. I have been signed up for AFLAC's 6 month short- term- disability plan well before this all started. I wanted this in place figuring that amount of time would cover the gap while waiting for Social Security to come through if something like this were to happen. Unfortunately it has happened. They are refusing to honor the policy they sold me. They seem to be only full of excuses now. We have been contesting this since it began for almost 4 months now. We have also contacted the Tennessee Insurance Commissioner on the matter. He assures us that they are in the wrong here and will contact them on our behalf. We are still being refused by AFLAC. I have always had good experiences with AFLAC's accident policies in the past. This is the reason I was comfortable signing up for their disability plan as well. Never again for anything they offer in the future! If anyone out there has any additional ideas/suggestions for us to try, it would be greatly appreciated. Thanks for your time and attention. I hope your luck goes better than ours. Nathan Kazenske

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Aflac refuses to pay my claim

I suffered end stage renal failure several months ago and have submitted a specified event claim three different times. Aflac has not paid the claim and keeps dragging their feet stating they need additional information, even though my doctor and hospital has provided them with page after page. I would love to know if there are any class action suits pending against this company.

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fmcdowell
st louis, US
Jul 10, 2010 3:19 pm EDT

FRANK MCDOWELL ; I have 4 polises one of them is shert term disability and thay are tring to get out of paying me i have had thes polises for about 4 years without useing them you thenk thay would wount to keep paing custermers happy.Thats ok becouse starting monday i'm going to call them AGGEN and if i don't get enewair i am going to the better bisnes buro then i am going to call chanel 2 newes news and see if thay will help me!

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LAMONT LANCASTER
Laurel, US
May 30, 2010 3:26 pm EDT

THEY KEEP BEATING AROUND THE BUSH WITH MY CASE TOO. I HAVE SENT ALL THE PAPERWORK THE WANTED FROM ME AND MY DOCTORS AND THEY STILL WANT MORE VERIFICATION ATLEAST THATS WHAT THEY CALL IT.

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11:51 am EST
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Aflac inside ripoffs

I worked for Aflac as an Independent Agent for 2 years. What was to be my big account and the deciding factor in my insurance career was stolen by me regional manager. Rene told me he was handling the details and it was my account, that I had initiated. He opened the account behind my back and gave the thousands of dollars worth of business to one of his new District Sales Coordinators to help get their business started. After all, that guy was renting office space from Rene & I was working out of my car across town. Unethical, without morals or any character. DO NOT BUY OR SELL AFLAC IN OR AROUND VALENCIA, CA. I lost my car, career, and faith in the insurance business.

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5:34 pm EST
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Aflac beware! aflac scams!

Beware! Aflac denies access to 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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Naos
pinson, US
Jan 30, 2011 9:12 pm EST

umm it sound to me like you should be mad at your employer, not Aflac

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irish759
Morrisville, US
Jul 31, 2010 11:37 am EDT
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Aflac is a scam, my short term disability policy has been under review for 2 months. It takes about 15 days to get a letter from them when they need additional information, but two days when they need your premimum.

I had learned my employer made the deductions for the coveraged but failed to pay Aflac in time. Once I got that worked out, i had to have surgery. I was told prior to my surgery and this was after being insured for 6 months, that I had coverage and not to worry. I come home from a major surgery, which requires 3-4 mandatory bed rest only to get a letter stating my policy had be cancelled because my employer did not get the money to them in time.

Now we get that straighten out, and it takes them 30 days to review the documents, I was told on Thursday by one of their Supervisors my claim had been approved. Than on Friday at 4:35 pm I get a call from the same woman telling me my claim had been denied, management reversed the decsion because they wanted additional information. My agent does not return phone calls. This has effected my recovery to the point I was rushed to a cardiologist because my resting heart rate was off the charts. My physicians are mad as hell. This company is despicable. Buyer beware. I hae not given up, but be careful very careful they lie, cheat and will do what ever they can not to pay a claim.

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If it Quacks Like a Duck. . .
, US
Dec 10, 2009 4:51 pm EST

Aflac can't keep your FSA money because it's illegal and because they don't have it. When the money is deducted from you check it stays in your employer's bank account. Aflac just proccess your fequest and reimbures you from that bank account. If there is any money remaining from your FSA at the end of the year your employer keeps that money. Aflac makes no money at all from administering your FSA and receives no benefit what so ever from denying you access to your FSA funds.

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JohnAct
Queanbeyan, AU
Nov 22, 2009 6:47 pm EST
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LESLIE CHARLES GILROY (corrupt cop)
in company with
LLOYD STEPHEN GANZERLA
BELINDA JANE GANZERLA
EUGENE CLEVELAND GANZERLA
TRACEY ANNE GANZERLA
and others, robbed my wife and I
See the whole story here
http://austlawpublish.com/forum/viewforum.php?f=2

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Aflac cheaters

I purchased a cancer policy from aflac in 1990. It was SUPPOSED to provide a one-time payment based on the age of the policy. Shortly thereafter, I had a non-cancerous tumor removed. It was never diagnosed as malignant so my aflac agent advised me no to file a claim. I followed his advice.

In 2006, I was diagnosed with cancer. I talked with my aflac agent and he helped me with the paperwork and calculate what my payment would be, based on the 1990 purchase date. I filed a claim with aflac, never expecting any problem based on how honest the duck looks. Well, looks can be deceiving. They refused to pay the full amount because, according to them, I should have filed in 1990, when the amount due me would have been much lower since the policy was so new. Never mind that in 1990 it was a benign tumor, and my aflac agent told me not to file.

I negotiated with them for weeks and provided several medical reports that showed the 1990 tumor to not be cancerous. My aflac agent told me that he had told aflac about this situation and confirmed that he had indeed advised me not to file in 1990. Well, ducks must be very obstinate and dishonest creatures. I again was refused the full amount owed me.

Finally, I retained an attorney. He had about as hard a time as I did communicating with them. They changed their attorney working this case at least once and maybe twice. After several weeks of negotiations, the aflac duck finally offered a GENEROUS settlement that amounted to about 30%of what they still owed me.

My attorney suggested that I take it. He said the duck was notorious for its STALLING TECHNIQUES and that all we could do was have the case heard in court. This would consume so much money that even I won, I would lose. So as many probably have done before me, I settled. In the end, I would have gotten about as little without the attorney as I did with him.

I feel obligated to share my aflac experience with all who will listen. Perhaps I can prevent someone else from making the same mistake I did. Do not be charmed and bedazzled by the innocent looking duck. Look slowly and carefully at what is hidden underneath those snowy-white feathers. IN MY OPINION, if you are looking for a completely honest and straight-up insurance policy, I suggest you look elsewhere.

I am not bitter, but I surely hope that duck never crosses the road in front of me.

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Aflac looking for ways not to pay claims

My parents paid long term care insurance premiums for 20 years. At age 88 my Mom fell and would have seemed to qualify for what they were paying for "nursing home insurance". AFLAC used every technicality they could, interpreted the ambiguity in the old policy (which they don't sell anymore) to not play the long term care benefit. Each subsequent denial letter included a new reason for denial. They do not stand behind what their agents sell. They do not have any control over what their agents represent about them. The president does not take nor respond to complaint letters. He hands them down to those who get paid to deny. Don't put your life or income into AFLAC's hands. You will not be able to count on them

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frustrated with aflac
, US
Sep 14, 2016 7:57 pm EDT

Hello,

I'm also having trouble with an old AFLAC long term health care policy. My mother has Alzheimer's and needs 24/7 supervision, yet Aflac claims that she does not qualify for her benefits since the room she's in is not in the nursing home wing of the care center. It's sad because my parents counted on this insurance paying at least 3 years and now we find out it won't unless we move her.

Susan from Iowa

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5:43 pm EDT
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Aflac appointment setting

Appointment setting for aflac calling md, dc, va, and delaware. Most of the companies either have an aflac rep already, or simply dont want to offer aflac to their employees. Nathan promises to pay $300 salary a week and $50 per appointment set working from home. Worked for him and he let me go at the end of week two, saying he would send my pay. Its been a month and still no pay. Dont trust him

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gullabull
Duanesburg, US
May 09, 2012 9:26 am EDT
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were you working for Aflac and Nathan was your Boss? Can you tell me more? I am very close to taking this insurance class for NY so I can sell their insurance and I want to know from you what your advice is other than dont do it.

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Aflac - defamation

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...

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