Report: #403540

Complaint Review: Aflac

  • Submitted: Sat, December 20, 2008
  • Updated: Thu, June 10, 2010
  • Reported By: warwick Rhode Island
  • Aflac
    1932 Wynnton Road
    Columbus, Georgia

Show customers why they should trust your business over your competitors...

my husband purchased an aflac accident family policy through work back in june of 2008, at first I wasn't happy about it but for ten bucks a week I figured we weren't wasting too much money. with the experience I am having with them I would cancel my policy even if it were free.

I was confined to the hospital for several days in november for a ruptured disk. when I returned home I called the aflac customer service # and spoke with a very nice gentlemen who told me my accident WAS covered and I needed to print out the necessary forms from their website and file a claim, so far everything went well.

I waited a few weeks for the hospital bills to arrive and faxed everything over on 11-30-08. I waited 4 days before I checked on the status of my claim. the website makes it very clear in at least 6 places that most claims are processed in 4 days.

there was nothing posted that my claim had been received so I called customer service again. I was told that the paperwork faxed on the 30'th wasn't processed yet because they weren't working on that day yet, they were working on 11-28, the was she said it was quite snotty and really inappropriate seeing she is talking to people who in most cases are quite ill and don't need an attitude.

finally a few days later my claim status finally said "processing" and it hasn't changed since, its now 12-20. so much for 4 days.

my dr. accidentally forgot to check of a box that says "was patient hospitalized", I had to refax the entire form, with the box checked off. and of course I had to wait the customary 8-12 days from the day I faxed it for them to actually scan it in and look at it. not to mention that from the day I originally faxed the form in until I was notified it was missing a checkmark in a very important box was 2 weeks later.

I like to call twice a week now to make sure there is no other dotted I or crossed T missing, and to check on what date they are working on. on 12-19 they were finally working on everything faxed on 12-9. thats what the rude customer service rep told me, after that she said updates were available online and I should check there instead of calling.

this is what your aflac premiums are paying for:

you will not get anything in 4 days and anyone who says otherwise is lying. they are consistantly processing all paperwork at least 7 days after it is faxed.

if you try to call customer service you will be on hold for a minimum of 30 minutes. after you explain what you want to a rep in the claims dept they will transfer you to another rep in the claims dept so you can start all over again.

after you are transferred 2 or 3 times you will be told they are still processing your claim. or they will get to it in time because they haven't made it to that day yet.

If you tell the rep that aflac states most claims are processed in 4 days they will tell you that you are mistaken, there is no way that aflac made any such statement at any time including on the website. I told that rude lady to check it for herself, she put me on hold while she checked the website and told me I was a liar and she didn't see it anywhere.

I do not yet know the outcome of my claim, I hope to find out before the sun goes supernova in about 5 billion years.

starting monday I'll call every day. :)

warwick, Rhode Island
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This report was posted on Ripoff Report on 12/20/2008 05:41 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Jim, let me try and help you...

AUTHOR: Janis - (U.S.A.)

I am NOT an employee of Aflac, but I AM an independent insurance agent, and I've been selling Aflac products (as well as Blue Cross, and some others) for over a decade.


First off, Aflac is NOT 'Accident Insurance.'  Yes, there is an Accident Policy, but it is only one of 14 different products that the company offers (depending on what state you reside in.)  Aflac also sells Cancer Insurance, Specified Health Event, Vision Care, Dental, Life Insurance, Hospital Indemnity, etc, etc.

You claim that the amounts paid on the Accident plan are 'not worth the postage.'  Really?  The Accident plan in my state pays $120 for the inital visit after an injury (remember now, this is NOT health insurance, and is not intended to cover the cost of the visit...your major medical takes care of that..this is merely extra money for you to help with any out of pocket costs you may have.  To be honest, the company doesn't care what you do with the extra money.) 

Okay, so there is the $120...then the six follow up visits after that ($35 each; total of $210), then the TEN physical threrapy visits per injury ($35 each; total of $350), plus $200 for a CT scan or MRI, $125 if you needed crutches, $200 if an ambulance was involved...and I'm not even getting into the Specific Sum Injury Benefits.  If you break a bone, Aflac pays a benefit depending on the size and location of the fracture.  (A recent claimant who I assisted received $900 for a spiral fracture of her ankle.  The $900 was JUST for the fracture.)

If you are admitted to the hospital because of an injury, the amounts are even bigger.  I had a client who fell while working on a telephone line.   He spent 6 days in the hospital (multiple fractures).  The hospital stay ALONE paid $1000 for the first night and then $250 a day every day after that, until he was released. 

You mention that Aflac needs to know how an injury occurs.  Is that really so difficult? Why would you NOT be able to document HOW the injury happened?  Aflac doesn't requre that the doctor or medical provider be PRESENT during your injury, only that you state to them how it occurred and that this is included in the treatment report.

I'm sorry you have experienced difficulty getting your claims paid.  Are you asking your agent (or any agent, for that matter?) to assist you?  If you have a legitimate claim, and were unsuccessful in getting it paid, I urge you to contact the State Sales Coordinator in your area and request assistance.    And please, if you are going to go naming agents by their first and last name in a derogatory manner, (which I would advise you against doing in the future; there are 2 sides to every story.) then at least have the courage to post your OWN full name.

Again, I am not an employee of Aflac; only an independent agent who likes and sells their products.   In my tenure as an independent agent, I have seen many, many large claims paid, and families and individuals who would have been in catastrophic financial situation if they didn't have the extra money Aflac provided. 

I wish you only luck in the future. 

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#2 Consumer Comment

This rings true here too...

AUTHOR: Jim in Montana - (United States of America)

At one time Aflac was a reputable business. Claims were paid quickly with a minimum of paperwork. Now, however they are only concerned with maximizing profits and minimizing expenses. Remember Aflac is ACCIDENT insurance. The last claims that I filed were rejected because the doctor could not state that the injury was definitely an accident. When I asked the doctor, he stated that that has always been the way they do reports, and they could not state the definite cause of an injury, since they did not witness it.

Just how many people are going to break their limbs on purpose? How many people can only have accidents in the presence of their doctor? This is a loophole scam that Aflac is exploiting to boost its profits in a bad economy.

Calls to the local rep (Missoula MT in my case) go unanswered and unreturned, Information left with the receptionist is mysteriously lost. Calls to the reps cell phone are also unanswered and messages are unreturned. Call the national office and they are routinely dropped. (I read a story about this phenomenon: If the calls are on hold too long, the call center staff gets punished, But the computer tracking software credits an answered call, even if it is hung up immediately)

Missoula representative Carla Fluery is completely incompetent in her job. Always at the company benefits seminars, touting the wonderful benefits of Aflac, trying to get new customers, but never answering direct questions about difficulty of getting claims paid. Never returns call or is at her office. Aflacs actual payouts are so minimal, that even if they were fully paid, rarely are they worth the cost of the policy.

For the several years that I had Aflac, I filed for every accident: broken bones, torn ligaments, sprains, cuts as well as the standard annual wellness payment. All for an accident-prone family. When I totaled the entire benefit, I would have been better putting the monthly premium in a coffee can. It seems that postage alone for resubmitting claims costs more that the payment.

Look elsewhere, or just save some money in a rainy day fund.

I don't know what has happened to this company, but from my side of the fence, this is corporate healthcare maximizing profits as the expense of the little guy. How could an individual possibly have the resources to sue a company like this over a few hundred dollars?

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#3 Consumer Comment

Steve, I disagree.

AUTHOR: Janis - (U.S.A.)

How long have you been selling Aflac products, Steve?  Your assertion that claims is 'constantly behind and slow' is simply untrue.


I not an Aflac employee, but I do sell some of their products as an independent sales associate, and I can tell you first hand that Aflac claims is the quickest I have ever seen (and I've sold for several other companies, including their competitors.)

Last week I had a claim paid in 48 hours.  I would suggest, Steve, that you educate your policyholders at the time of application, as to what they need to do IF they are injured or get sick (depends on which policy(ies) they are buying.)

One more comment:  I'm very impressed that an Aflac manager stepped up to the plate to offer help to the original poster. 

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#4 Consumer Comment

Aflac claim times

AUTHOR: Steve - (United States of America)

I appreciate what Garrett is saying and offered. That is the way it should be. I am an independant agent representing Aflac products. I love their stuff. I like to sell it. The claims system is constantly behind and slow. I never tell a prospective client about the 4 day claim process. I have never seen it. Even on my own simple claim of a broken tooth. I got paid within 3 weeks, and I submitted everything correctly.

I wish Aflac would move away from that 4-day claims paid claim.

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#5 UPDATE Employee

How's THAT for service?

AUTHOR: Pete - (U.S.A.)


I can tell you as an representative of Aflac, you've got it all wrong.

The previous rebuttal employee is a Regional Coordinator with Aflac, who has absolutely nothing to do with and is not responsible for your claim. Yet, while most people who weren't involved would stay miles away from an upset customer such as yourself, he is willing to help you in any way he can - including posting his phone number on this website! How's THAT for customer service? This response from Aflac representatives is more the norm, far more typical than the poor customer service you apparently received. BRAVO, Garrett!

If there is a delay in processing a claim, it's because it takes far longer to process and pay a claim than it does to deny one. Aflac pays far more in claims that anyone in the industry. I know that the good people at Aflac headquarters are doing their best to live up to the "four days". If you ever have a problem in the future, you can call your agent, or his/her coordinator. This info is available by calling customer service (which will call you back if your wait is longer than 3 or 4 minutes).

Good luck, Michelle!

District Sales Coordinator
Long Island, NY
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#6 UPDATE Employee

I want to help!

AUTHOR: Garrett - (U.S.A.)


First, I would like to apologize for the service that you received from our call center. Unfortunately, when you have a company with thousands of employees this can happen. However, it does not excuse this behavior.

I also want to apologize for the miss information. The best way to handle a claim is to work directly with your agent. This information can be provided by the company that your husband works. It can also be obtained directly from our main office.

I am a regional manager with Aflac. I have been with the company for over 8 years. I started in the field as a sales associate and I have worked my way to regional manager. I have hundreds of policyholders and accounts. I have personally filed hundreds of claims for people just like you and your husband. I can tell you that Aflac does work, and many times claims are paid within 3 days. The average is a week. The average for our competition is 3-4 weeks.

I strongly feel that your situation happened due in part by our call center and in part due to miss information. I completely understand your situation and I would like to offer my assistance. I will be happy to help you resolve this matter.

My office is located in Cranston and I live in Warwick. If need be I will meet with you in person and at a time that works for you to resolve this.

My office number is 401.461.3010 and my email is

Please contact me and let me help!
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