I have chosen to write a review on behalf of aflac regarding my short term supplement with them. I rarely write these but have chosen to put this information out there for other consumers to see what can happen if you don't pay attention to your insurance you are paying for. I have dealt with 3 different supervisors who still did not take care of my complaint!! So I filed a claim to use my supplement, first off when sending paperwork to them, they give you an option to upload documents to their site, well as odd as it sounds my upload button didnt work, so I called them to see why, it seems aflac tech support fixes that particular button so if you see it make sure it works, because the reps were telling me I had access to upload ONLY to find out tech support didnt further activate it for me!! IF aflac cares for their consumers who have services with them they would follow through with what they say! Spoke to a Val who promised a call back same day I called for an update on my claim, she DID NOT call me back, so I called back and asked for another supervisor, Dondra thinking she may have just been behind and would call me back, well the 2nd supervisor said she would reach out to Val and work with her. She said we need about 24hrs to process this complaint. I thought geez its taking longer again. So After going thru all this, I decided to email Val, who answered me and told me my claim can now take up to 14 more days, yet as of today, my claim was opened 2 weeks ago! Before my procedure date I proactively sent aflac this information which they said would be denied because you can not send claims in until first day of disability, I'd recommend NOT doing or if you call customer service they will yell at you and tell you not to send paperwork in until the first day off of work. So anyway back to determining whether or not this disability claim was going to help me or not, I am still waiting.......................I highly recommend that aflac not advertise certain 1 day pays, because as long as i have had my policies, it is not paid that quick as they say!! I hope the chief operators know their advertisements are exactly correct nad after I am done with aflac, I will be canceling policies and going to someone who appreciates my business!

August 18, 2016


Ref.: AFLAC Complaint / Disagreement with AFLAC

I am writing to bring a formal complaint against AFLAC where they have unilaterally denied my claim after collecting my premiums.

Initially, AFLAC made attempts to deny my claim on the basis of wrongful enrollment to this policy (I have AFLAC's internal email) which did not work in AFLAC’s favor. Then, I was offered a form on several occasions to get refund of my premiums. Later on, efforts were made to deny my claim by asking 15 years of medical records which again did not suffice. Finally, AFLAC decided to deny my claim on an incorrect recording of date of treatment at AFLAC’s end, despite my continual contesting of this inaccuracy.

AFLAC’s final denial’s basis is that losses began on or before the effective date of the policy which is NOT TRUE. In the AFLAC's letter dated 07/13/16, it was pointed out that my treatment dates were as 07/16/13 and 01/22/14 which are INCORRECT. On several of my correspondences to AFLAC, I have clarified that treatment date was 04/22/15 but I never received an acknowledgement of my letters or denial of my explanation.

On Feb. 22, 2016, I addressed another letter to AFLAC where I requested copies of all documents that I initially signed with AFLAC. No acknowledgement or response from AFLAC. On Feb. 22, 2016, another letter was addressed to AFLAC, I had also requested that my file be examined by the California Department of Insurance Consumer Division. This time also, no acknowledgement or response from AFLAC. All through the process, I wanted to be treated as a customer of AFLAC. And I expected answers and explanations of my questions as I always provided answers to AFLAC's questions. However, it appears to me that this long 14-month process of denial was unilateral and based on inaccurate information and I disagree with the basis of denial of my claim.

To this date, I am still requesting AFLAC for the following:

1. Please provide me in writing the proof of AFLAC's determination basis and unilateral selection of 07/16/13 and 01/22/14 as my treatment dates?
2. Please provide written explanation with respect to my request on 02/22/16 that my file be forwarded and examined by California Department of Insurance Consumer Services Division. No response yet from AFLAC
3. Requesting AFLAC to provide all documents that I initially signed when I enrolled with AFLAC so I can sit down with my counsel.

Sincerely,

Haroon Ahmed
Moreno Valley, CA 92555
Encl. 1. AFLAC letter dated 07/13/16 – No Benefits are due
2. My letter/Fax dated 11/30/15 - AFLAC Claims Dept. has incorrect Treatment Date
3. My letter/Fax to you dated 02/22/16 – Request file to be examined by CA Dept. of Insurance