Aflac

I can't think of 1 person who has every said anything negative about AFLAC. AFLAC is a very affordable insurance coverage for emergencies, it is super easy to process a claim, and customer service is TOP NOTCH!

i recently had to have part of my foot amputated and am receiving intravenous antibiotics and they denied my claim is this good customer service
i am a 60 year old man. haven't i suffered enough. MY NAME IS RONALD DEROBERTIS

Been trying to get a check re-issued for 6 weeks. The STATE of CA sent a letter saying AFLAC had money for me. (It was a group health/accident policy claim check that I lost during a move - and then forgot about b/c of the pandemic and other life-threatening matters). The phone # on the letter the STATE sent me got me to AFLAC "customer service" (not really service - really a call center that can't do much to tell you where your funds are).

Per the instructions I mailed off the required documentation. Followed up after 2 weeks as no check had arrived. Was told it had not been received and I could email it - which I did. Five days later no response (the gal specifically said she'd confirm receipt). Nope. Called back today - each call is digital hell and 15+ minutes of waiting to talk w/ someone that can't really help. They are good at asking questions though. They must hate working there is all I can say. I can't imagine being in a position where I couldn't actually help a customer.

After today's call I was basically told I would have to wait "up to 20 days" to see if a check shows up. "It comes from the finance department." Me: Can I contact them directly to confirm that they ARE PROCESSING the check. Her: No. Me: Can you tell me if the documentation that I sent in was actually received? Her: No.

Bottom line is I have to wait another 20 days to see if a check shows up and if not start over. Really crappy customer service. The sales agents sure know how to get you signed up though. Buyer beware.

I've been battling AFLAC for the past 9 weeks following my total knee replacement surgery. I've had a policy for close to 8 years and have never had this issue before. Part of the Hospital Indemnity benefits include surgical benefits. After 9 weeks of trying to get this benefit paid, FINALLLY they notify me that they (claimed) they changed the policy back in March (this is October-November-December) and removed this benefit. I recieved no such notification. I especially like how they put off answering my requests for the past 9 weeks (where i spent an hour on the phone weekly because nobody follows up on their claims to "escalate to a supervisor" -- No I had to call weekly to get a status) until after OPEN ENROLLEMENT is closed. I want to cancel this policy but I'm worried that since open enrollment is closed I'm stuck having my paychecks deducted to the tune of $300/month to go to these crooks. If your employer offers AFLAC, RUN RUN RUN! They used to be great; now they're slimy crooks. Avoid AFLAC like the plague. (because if you get the plague and try to claim it on your "critical illness policy" chances are they'll find a way not to pay your claim.

When I was asked at my job to sign up for this service, I thought why not give it a try, the lady who was helping me fill out the application was very good, she took all my information, but came back to me and said I couldn't apply because of my age I am 68 years old and probably in better shape than most, but it ends at 64, I've worked all my life and thought what the hell give it a try, they discriminated because of my age, most people think I'm in my 40's what an ignorant thing to do, they say I'm sure its business, I say its a lousy business, thanks for making older people feel like dirt.

I tested positive for Covid at a Doctors office.
I wasn't sick enough to get paid family leave?!???
Sorry I wasn't dying.
I was out of work for a week because you have to stay out for a week.
I lost a 40 hr paycheck. Thanks a lot Aflac!

My greatest point of disappointment with AFLAC falls into 2 categories:

1) a credit card or debit card payment transaction can take up to 14 business days to be debited from your credit card account; there is no authorization of the funds at the point of transaction generation from the phone customer service reps, you must remember that the money is earmarked for payment up to 14 business days;

2) You cannot make a one time, one month payment online.

My resolution - I will be sending in a money order for payment, so that I do not have to make constant mental notes of earmarked money in my credit card and debit card accounts. Funding will be at the point of money order purchase by me;

The result - more overhead for me, in the obtaining a paper money order, and its' sendout; more overhead for AFLAC, in the processing of the paper money order, opening the mail manually, crediting my account manually, etc.

In the age of instantaneous payment debiting, it is high time for AFLAC to update their infrastructure; spend a little on the infrastructure rather than spending all in on pushing the AFLAC duck in all medias for new customers. Focus on customer retention a little more, and focus on attraction of new customers a little less. After all, it is the ongoing customer base that generates the current revenue to pay wages, business expenses, and the like. At this point, the existing customers are sitting in the caboose of the train, whilst the new customers are sitting in the first class / business class of the train, with sleeping quarters.

Martin N. Allen
Aflac is the worst insurance company in the world! They are criminal and make arbitrary and capricious decisions that are in direct violation of their own policies. DO NOT GIVE YOUR HARD EARNED MONEY TO THESE CROOKS! I have been a policy holder for over three years and have always paid my premium on time and kept my policy in good standing. When I got injured and needed the benefits my policy is supposed to provide all I have gotten is a run around with one stall tactic after another to keep from paying me the benefits that I am due. I filed my claim over two months ago and to date I have only been paid $90.00 even though my policy is for $900 per month or $30 per day. Aflac denied my valid claim twice and when they finally approved my valid claim they are trying to get away with only paying me half benefit for 6 days even though I am still disabled and under doctors care! Aflac still owes me $1530.00 dollars to date and they are still stalling and trying to get out from having to pay me my full benefit. If I had saved my policy premium instead of giving it to Aflac, I would have more than enough money to get by until my return to work! I would have saved more money then they actually owe me and would not need their help! PLEASE DO NOT DO BUSINESS WITH THESE CROOKS, YOU WILL REGRET IT! I WOULD PREFER TO RATE THEM ZERO STARS!

Aflac was notified in NOVEMBER that my employee was terminated. Yet they continued to charge me for her policy. I notified my agent in NOVEMBER and she told me how to get her off the policy- so I mailed my payment with the requested information. Then they continued to charge me for December, January, February and March. When I made a 16 page document to let them know they owed me money, they sent a little- but not in full. They say they overpaid me- but according to my records, they still owe me. I have been an aflac member for about 10 years- ending my insurance this month (although- I wonder how long it will take them to figure it out and if I will have the same issues) My aflac rep was useless with any assistance.

I have had a cancer insurance policy that was sold to me when I was working about 10 years ago. Every now and then a credit card is involved in fraudulent changes I didnt make and then the fun starts as its not a simple task to just replace a card on file for auto billing.

When you call the are always way backed up in calls. Today the wait was almost 2 hours. The system lets you leave your number for a callback. When the callback comes, I have no idea its AFLAC. Caller ID says Crancall Ind SC. So of course I dont answer it. Then I see under voicemail...oh that was AFLAC!!!! You would think that with the terrible problem of spam calls, a world wide seller of insurance would think to put their name on caller ID so people would answer the call! But no....the name is not recognized so people dont answer and thus stay on the merry-go round to nowhere.

I wonder if they do this on purpose to just make you give up and drop your coverage. After all, all the premiums paid on a dropped plan is for the most part pure profit.