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!

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.

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.

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!

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!