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Aflac

4.7
59 complaints

Address

1932 Wynton Rd, Columbus, GA, 31999

Customers are extremely frustrated with Aflac's slow claims processing (taking weeks to months), inability to reach customer service representatives, and frequent claim denials requiring excessive documentation. Short term disability claims are particularly problematic, leaving customers financially distressed while waiting for payments they depend on for bills and living expenses.

Generated 5 days ago

Common Issues

45% (27)
waitingweeksmonths
30% (18)
no responseno call backcan't reach
20% (12)
deniedrefusedloop hole
25% (15)
disabilitynot paidbills
15% (9)
no updatedifferent answerslied

Complaints

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Terry odom

Jan 31, 2024
0

I found a cancer claim tier one cancer claim to $200 not much they paid me on the biopsy $75 the biopsy came back cancer but they refused to do anything they're asking me for 10 years worth of medical history all doctors so if I've seen a hundred doctors they want a hundred doctors full documentation which is bull crap the letter was sent to me on accident someone made a mistake they put 526 2013 and

11/8/2023 my cancer date was 11/8/2023 so that was my claim then right after I got another email requesting for the 11/8/2023 and 118 2023 and then I got a third requesting 118/20/23 which was correct I asked about it some guy that wasn't even from here in the US they were from out of the country couldn't hardly understand each other I asked him just about the letter and I said but I've…

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Rhonda Meyers

Jun 28, 2023
0

I cannot get anyone from customer to resolve my transferring my policy to the De Trust. I’ve spoken to 4 customer service people and 2 supervisors and no one returns my emails.

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Seyed Hashemi

Jun 7, 2023
0

Worst customer service

Worst experience with Aflac

The biggest mistake

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Larry P Messer⁹

Mar 29, 2023
0

Takes much too long to process cancer claims. Shouldn't be under review for 2 weeks before action taken.

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Jennifer

Mar 28, 2023
0

No help with my case non one help Han off the phone.very bad customer service.

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Barbara Salmeron

Nov 17, 2022
0

I have had 3 policies with Aflac for 20+ years. This year I was hospitalized three times, had two surgeries, 2 ct scans, 2 ultrasounds, multiple xrays, labs and meds given. I sent in the claim, waited 3 weeks to call to check the status of the claim I was told they needed a UB04 form, I submitted that, tok them another 3 weeks to even look at my claim.

When I called to check the status they tell me I was only being issued a $200 check. They claim my hospital stays were "obervation" when I was hospitalized for 3 days the first time and 5 days the second time. Clearly not observation.

They did not pay for any of my surgeries or any of the diagnostic testing I had done. TOTAL PIECE OF GARBAGE NOW!! They just take your money and do not care about anything else! was out of work for 2 weeks…

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Sara leger

Oct 26, 2022
0

This company is terrible and doesn’t give a damn about their clients. My husband and I have been waiting over a YEAR now for money Aflak kept pulling when we canceled. The lady I speak to always just says “I put it through as urgent just waiting for them to do something” i have tried calling higher ups and get no where.

We canceled September of last year but they continued to pull money for 7 months! Every month I’d contact her and she kept saying she’d take care of it. She finally did her job and the money stopped coming out but now we can’t get that money back. DO NOT USE AFLAC

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Jeffrey Lewis Jock

Sep 21, 2022
0

I was off work since August 2nd was no longer with the company I wasn't fired from the job but they kept asking for a separation letter. I can't get one because I was never fired from the job. I gave you 10 different things but it was never good enough.

I read other reviews from people and they said the same thing happened to them. You guys weren't trying to pay me. Just gave me the run around now I am behind on bills and rent because I was off for almost 2 months with no money.

I give you guys zero stars for the way I was treated. I'll never recommend you to anyone.

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Evelyn Delgado

Jul 18, 2022
0

Rude customer service agent. When I said ok thank you for your help, the agent just hung up, no thank you for contacting Aflac or can I help you with anything else.

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Mel Hobbs

May 2, 2022
0

When I call Aflac no matter what time of day all I get is We are closed. I even contacted a sales rep who tried to get customer service for me. He couldn’t get anyone to answer either. I’ve been with Aflac for many years but now I’m considering canceling my policy.

I’m very disappointed in Aflac.

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Monica Dixon

Apr 8, 2022
0

They do not want to pay my Short Term Disability Even after submitting Documents from Doctor Talked to Doctor I've submitted UB06. And Payment Authorization. They still keep lying to me Supervisors are lying about the situation saying We see you submitted Everything.

Then another says She'll call me back After 100 Decrease in my Credit Score and 3 Day Notice me and landlord call for a supervisor to say she will call me back After waiting for 45 Days Doctor Authorized Short Term Disability

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LDCropp

Mar 31, 2022
0

They do not review claims or pay in a timely manner.

I suspect they care more about stockholders than their policy holders.

Absolutely atrocious.

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Santell Hughes

Oct 28, 2021
0

Submitted a claim been off work for an accident and even had a surgery. No undated for 5 days. And when I called was told they were busy with other claims that it would take 9/10 days my services are do to be shut off and about to loose my insurance.

To be told they have an estimate date next week 9/10 days later. Sad I wish I had know this before hand, that the sorriest customer services I have ever seen. Nobody can call they all working from home shooting the bull.

I’m paying for a services to help in case something happened and they actually put me in worst shape no doing their job for days. All documents have been submitted I’ve been a customer since 2015 and this is how they conduct business.

I will be canceling and making it my mission for ppl to know how Aflac really operate.…

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Patricia S. Evans

Oct 22, 2021
0

I tried calling the customer service number, giving them all my verification info; still could not get through. Tried asking for a representative while on the phone; could not get one. Went online to try to chat with an AFLAC rep. Was 11 in a queue; waiting for half an hour as it ticked down one queue at a time until I was at 6 in the queue, then it just shut down completely and the screen disappeared; basically hung up on me.

All I need to do is change my current auto pay with my debit card, to auto pay from my checking account. Simple change, but I can't get anyone to help me, not on the phone, not by text and not online.

I have had this plan for a long, long time. I only want to make one change. I am frustrated and angry that no one will get back with me.

Patricia S. Evans PL 992842…

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Tami Reidle

Oct 6, 2021
0

My daughter passed away on 10/05. At that point she had been trying to fill a claim on her cancer policy… her rep will not call her back. She never filed any claims for my daughter. This has been a year. My daughters is.

Angela Thunker her policy number is Pow353c6, The rep I want to file a claim against is Melissa Ann Van Erem. AFSV4 Please take care of this. Contact me thru email

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Diavalon fultz

Aug 31, 2021
0

what insurance do you know of that takes money out of your check but they got time frames in when your covered? BEWARE.

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Joshua Maines

Jun 29, 2021
0

Sorriest company ever..... strongly urge to use any other insurance company..... been waiting well over a month for a check and says was just paid 2 weeks ago and still waiting ..... hour and half waits on hold over the phone with a lot of not my problem attitudes ...

if I could give zero stars I would

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Allen tyler

Aug 12, 2020
0

I have two policies with Aflac accidental and short term been paying on these policies for almost a year and I just tried to make my first claim and was denied for some loop hole reason I am very dissatisfied with how I'm being done and with my agent Joshua Murchison.

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Anthony Marks

Mar 5, 2020
0

I submitted a claim for my daughter Kimberlin Marks on 2/13/2020 for 1 day pay for service date starting 12/25/2019. I submitted all documents that were needed and to this day it's still not done. I've called and got many excuses and have been lied to as to when it will be completed and now it's going on 3 weeks and no completion.

I've been with you over 14 years and this is how I get treated. Anthony Marks 555417625 PR263349 10/04/1959 9518130266 7982 Sorrel Lane Eastvale, CA. 92880 As requested by you I had the hospital billing from Chino Valley hospital billing fax over the UB04 to you twice and now that's not good enough.

I'm not understanding what the issue is and I HAVE NOTHING GOOD TO SAY ABOUT AFLAC TO ANYONE ANYMORE. These past few months have been a NIGHTMARE dealing with you.

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Eva Al-Qubaisi

Feb 25, 2020
0

Aflac has not payed my ICU and Step Down benefits after submitting all the paperperwork. I was only paid for the initial hospital benefit and regular confinement but not the ICU and step down stay. I have called customer service several times and nothing has been done.

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Rudolph R Ioimo

Feb 19, 2020
0

Once again i have been lied to by Karen S. a customer service person my claim was sent to her on Feb 2 2020 by fax she responded 1 wk latter and said i quote I HAVE ALL INFO. I WILL PROCESS THIS WITH IN 24 TO 48 HRS AND GET BACK TO YOU AS SOON ASAP

ACCT. 565889827 WHAT THE FUCK IS GOING ON.

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Donna Brown

Feb 3, 2020
0

My claim was not processed in a day or even a week a month later, supervisor complaints and it still is not processed. Then I am lied to by both a representative who gives me false information and the supervisor who was supposed to process my claim in 72 hours and still after a week hadn't started it so now they have had my claim a month and nothing has been done

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Gissella Montes

Jan 24, 2020
0

My hospital policy was terminated due to a lack of information, I switched my payments to quarterly in September of 2019 on November I called to make sure everything was ok with my policy because the information online was confusing me however was told my payment wasn’t due until 12/1 I called back 12/6 just to find out my policy was terminated due to nonpayment so I explain to them that that was imposible because I was on quarterly however they pulled the call and realized that 2 of their associates messed up and I was in the right I still had to pay again and

sent in forms I got the forms they sent me in the mail I called up to make sure I was doing the correctly one of the ladies told me don’t send back reinstatement forms just money order and payer authorization form so I did that I…

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Adam Churcher

Jan 20, 2020
0

Unprofessional and very pushy. Do not take the time to listen. Last person I spoke to was coughing so much into the phone I wasn't even sure she heard me

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Dina Miller

Dec 27, 2019
0

I’ve been trying to get my short term disability check for over a month, I inadvertently added a additional number in my checking account, changed the info and am still waiting on a simple EFT. I call ask for a supervisor and am told that I’ll get a call back and it never happens. This is my third call this week and still no money.

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Adelaide Johnson

Dec 27, 2019
0

I have tried to call you all many time. I think it is a little to much to be on hold x 17 to 20 minutes every time. Please help me understand. Thank you in advance.

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A.M. Warren

Dec 8, 2019
0

Aflac is selling a Vision Policy, and its telephone representatives, insurance agents, claims officials, and auditors do not seem to know or understand the provision of the insurance product that is being sold.

Also, the Vision Claim form needs to be updated to include the category of Cataract Eye Surgery Removal. There is a lack of communications between customers and Aflac telephone representatives with the Claims Department in order to get errors and mistakes corrected quickly.

Aflac needs to cease stating that its pays its vision claims within three days, because in seven days I have not been reimbursed for my vision claim that was submitted. I have made 15 calls to Aflac, sent in customer explanations and complaints, and even reached a member of the AFLAC Board of Directors, and I…

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Victoria Hernandez

Nov 3, 2019
0

I lost my baby in September 2019. I have been fighting with Aflac since to get short term disability. At first, my request was denied because they said “lack of evidence of pregnancy complication”. How is a miscarriage not a pregnancy complication?! The.

I called sobbing and was told to resubmit the claim as this was covered my insurance. I had to send them to a rep directly and finally they were being reviewed AGAIN. Now I’ve been told they need my physicians notes dating back to 6/1/2018 which is over a year before I was pregnant!!!

I was seeing a different doctor at the time. I’m getting a lawyer and suing Aflac officially.

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Shawntaa bynoe

Oct 25, 2019
0

This worst experience with Disability still waiting my claim to be process. Aflac rep it’s a high volume and Disability this is so bad

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Diane Manning

Oct 23, 2019
0

Aflac is full of shit how In the HELL do you fall behind on getting claims out because of HIGH VOLUME of claims submitted when this is what the FUCK you all do I have already fully paid for the WHOLE year of 2019 I will only be getting a payment for $200-$300 dollars. When you got your DUCK talking about claims paid in ONE DAY for who because it sure isn't anyone that I have ever heard of I called waited for the 1hr.

and 40mins call back was informed that this claim will not even be looked at until NOVEMBER 2019 this is insane again when all you do is claim. Keep the headache for $200 and just send me the claims for to get out of the messy shit it just too much period.

You got to run around like chicken with no get the paperwork completed and submitted then you wait a fucking month for…

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Heather Varney

Oct 21, 2019
0

It has taken then two months to process my temporary disability claim. Disgusting to say the least

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Christopher P Folino

Oct 13, 2019
0

To Whom It May Concern I work construction and live paycheck to paycheck, I have purchased a short term disability through my employer for a “piece of mind”, a security blanket. That security blanket has failed! I had reconstructive hip surgery on 7-31-2019 and the pre-op estimate of time out of work for 10-1-2019.

I was paid out for August and September around 10 days after surgery, I was very thankful. On my post operation Doctors appointment on 9-26-2019 the Doctor gave me a return to work date on 11-4-2019. I had him fill out the continuing disability physicians statement with the 11-4-2019 return to work date, he signed it at the bottom and dated it 9-26-2019, being 9-26-2019, the day of my follow up visit.

I faxed the proper paperwork later that day. I was told the claim review…

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Steven Harris

Oct 11, 2019
0

Was told it would be on the 10th of is mouth they would be looking at my claim was told today it maybe four more days maybe o longer put in claim on the 27th off last month that in four more days it will 22 days I like your ads that say next day pay But you take my money every month on time . When I call customer service sorry where short of people

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Michael

Oct 11, 2019
0

I have aflac dental coverage thru my employer, I pay around $15/mo pre-tax, the amount they cover for dental work is not great but its something, which is what I needed after years of avoiding the dentist, I was "sold" by a rep becus of aflac's "same day pay" & no network so you can choose whichever dentist you want and then get paid directly from aflac.

Only after my first visit did I learn that the only way to file a dental claim is by FAX! This is 2019, a fortune 500 company that still uses fax machines.. so ok I fax my claim to get what amounted to be 20% of my total cost for my dental.. well it's been 34 days & my claim still hasn't been looked at, only after calling several times, contacting my rep several times and waiting hours for call backs just to be told they do have the claim…

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James l McCusker

Oct 9, 2019
0

For 20 + years I have paid in to Aflac through my employer Septa. In 2017 I got injured at work and was out for 8 months on workman's comp. 3 months into my recovery I received a bill from Aflac, and I paid it.

3 more months passed and I paid another bill. I returned to work and spoke to an Aflac rep who put both my short term disability and accident plans in order, or so I thought. 14 months after returning back to work I got another bill.

Apparently, Aflac did not electronically tell my employer to start taking out a payroll deduction. I spoke to another rep who assured me that everything was taken care of, and that it would take a couple of weeks. 6 plus weeks have gone by and ( NOTHING ) has been done.

I went to an open enrollment today and had to open a new accident policy and the…

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Margarita Avila

Oct 9, 2019
0

I submitted a continuous short term disability claim 19 days ago, and it has not been paid yet. I have been given 3 different estimate dates to be completed. But nothing has being done. I call the automated service system and said that there is no pending claim.

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Lisa Read

Oct 7, 2019
0

I have called 3 times about my claim each time I have gotten a different answer. I am now going on 2 months without payment I have had the physician also fill out the form 3 times. I have had this policy well over 10 years I did not expect a 2 month waiting period My policy number is P0D8Z4S4.

The last rep said another 2 and half weeks before you can even process it. Is there anyway to expedite this I have stage 3 breast cancer and have to pay 50 copays at least twice a week and I have kids to feed .

Please look over my claim as quickly as possible Thank you Lisa Read

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Julie Kobernusz

Oct 4, 2019
0

My husband has your short term disability ins . He had a stroke and he has not worked since 8/2/19. We have had only 2 payments from Aflac and we have been told the claims dept is way behind. He still is off recooping and we have bills to pay.

I am so upset that you have false advertising about how fast you process claims!! My house payment is late so is my car payment because we have to wait for the ins check. My creditors dont care you are behind!!

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Darryll Dibona

Oct 4, 2019
0

Your service sucks I've been waiting over 2 weeks for my money from a filed claim I pay my Aflac premiums every week on time this is unacceptable I'm going to file a complaint with consumer Better Business Bureau and the Attorney General of the state you're working in and I will post my problem on Facebook so everybody in this world knows what's bad service you provide for your people that pay premiums

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Patricia Hill

Oct 3, 2019
0

I'm Am now in a position that I will LOOSE my house I need answers my number 7579553177 please YOUR customer services reps was very rude to me Thank you Patricia Hill

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Gerald Smith

Oct 3, 2019
0

I fully understand that at times that a volume in disability claims may be high but at the same time I can't tell you that my bills are at a high and I can't pay my monthly payment. You guys wouldn't have me as a client.

When claim volumes are high that means that you have to put in overtime to keep customers satisfied. It amazes me how you can generate a one day pay but can't keep up with disability claims.

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PAULA MONROE

Oct 1, 2019
0

It is ridiculous that I'm on hold for 1 hour 45 mins as I send this. I want to set payment to come from my cc. 1st person I can't help. I'll transfer you to someone who can. 2nd person this is life insurance.

I have to transfer you. 50mins additional mins. still on hold. Can't give a total wait time cause I'm still on hold. This is horrible customer service. You should be treating your customers the way you would want to be treated.

Ask yourself would u want to be on hold for more than 2hrs. And this is the 3rd time I'm calling about the same issue

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Kimberly Almeida

Oct 1, 2019
0

Hello, I have had a claim in for a surgery since June2019. As well as short term disability. I keep getting asked for the same documentation that I have submitted at least 4 times already. I have a substance that is growing inside my body and it is squeezing my organs.

So much it smushed my uteral tube to the point my urine was collecting inside my kidney. And I got severally ill. Alfac keeps coming back stating a kidney stone because I have one last year. This has absolutely nothing to do with a stone.

I have been given horrible service by Aflac and I pay a very good amount of money for my policies. In which due to the lack of assistance and poor customer service I will not be getting Aflac again. I would like to know what is going on with my hospital claim as well as the short term…

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Edward Hammond

Sep 29, 2019
0

Claim# 017024234 I have be out on disability since June 2019 have not been paid a dime towards helping to pay my bills I had my doctor send over all medical records & spoke with supervisor zack he states it is in escalations because overt thing that was needed was in-house now the create another request from the primary again of some questionnaire that is one page my doctor has numerous patients does not have a lot of time for your tactics to not pay my claim now here is another week I am not getting paid & my bills are still outstanding I will now file my complaint with the better business bureau due to this companies lies of claiming you pay immediately to make this a less stressful situation I was tolld by zack someone would get back with still have not heard a thing in 5 days yet this…

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Linda

Sep 27, 2019
0

Filed a long term care claim 9/3/19 did not receive confirmation, called customer 9/17/19 spoke to Shoshawn Morris. Per her directions I texted the form to her which she again faxed to claims. No confirmation, called again 9/25/19 confirmed receipt of both previous submissions but still no confirmation or receipt of payment.

I need these claim payments to cover the costs of my husband's long term care and this is creating a financial burden. I need someone to help expedite this claim.

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sarah

Sep 25, 2019
0

3 months 1 small check, got hurt on the job! bad experience! not helpful,just stressful!

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Ronald m Thompson

Sep 20, 2019
0

I don't have a policy with Aflac but you have been taking money out of my bank account and it was not authorized by me call me at 2565668075

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Gina Sheehan

Sep 18, 2019
0

I filed a claim on my short term disability policy on 8/20/19. Unfortunately, my HR department filed the claim before the date of the disability so it was denied. I had them resubmit the paperwork which they did. On 9/16/19 I called AFLAC to confirm a new claim was filed.

They advised that the new claim was filed but it was missing the physician's statement. I faxed a copy of the physician statement and also uploaded same via email that same date. I called for the status today (9/18/19) and was advised the claim was denied because it was previously paid.

When I questioned further, they said that it was not previously paid but the fax copy was illegible. I said I emailed a copy which the customer service representative agreed they could read.

However, she advised me that I must file a…

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Sarah Hummer

Sep 18, 2019
0

I filed my claim on 8/14 and all paperwork was received on 9/10. I spoke with customer service twice and was given two different dates for the review. One for 9/18 and the one today for 9/23. I let the customer service person know that was unacceptable and that I have bills piling up.

She just gave me a stock answer and had no care whatsoever. You state claims are paid fast and in a timely manner but now I have to wait an additional 2 weeks to have it even reviewed. That is poor customer service and false advertising.

I just want my claim done so I can pay my bills and not lose my house. I Did not expect to have a disability happen to me and I thought I had some backup in case it did but I was wrong.

Making people wait like this is not right and if you have the paperwork don’t sit on…

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Genoveva Castillo

Sep 17, 2019
0

My name is Genoveva castillo I summitted my forms on 9/30/19 Every time I call for update the representative Of Alflac give me different dates , lies , I have talk to two supervisors about this situation 1. Maria 2.

Karen It’s been so fasturated to me .. with no updated , Please review my status .. thank you 323-745-7128

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