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 case, 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.
Aflac’s 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 in resubmitting claims is more that the payments.