I've already written a very long, very comprehensive rant about Aflac which can be viewed here, so I'll keep this relatively short.

Aflac LIED to me--not just to me, but to my husband, my daughter, and my brother, all of whom spoke to them on numerous occasions, both via phone and in person over a 1-1/2 year period.

I had an unusual set of circumstances, i.e., one accident that occurred at work followed by a second, unrelated accident that occurred at home, but BEFORE I had returned to work from the first one.

For 1-1/2 years we were told that as soon as my workers' comp benefits ended for the first injury, Aflac would begin paying my benefits on the second one. But once we filed the claim, they suddenly decided that I didn't qualify for benefits because of a "continuation" clause in my policy, i.e., since I had never returned to work following the first accident--which they DEFINITELY knew about--the second accident, although totally unrelated to the first, was considered a continuation of the first.

So why didn't they mention that during the 1-1/2 years that we were continually told they'd start paying benefits once workers' comp had ended for the first injury? Hmmmm...I wonder if it had something to do with wanting to keep collecting my premiums! How convenient that NO ONE at Aflac thought about the "continuation clause" until AFTER I filed the claim.

We documented every phone call with the name of the person we spoke to, the date, the topic(s) discussed, etc., so unless Aflac just wants to blatantly lie about these conversations, even they would have to acknowledge them. And they'll have their chance--in court. I'm currently exploring suing them, both personally and as part of a class-action lawsuit. Based on the hits my "Aflac complaint" page has been getting, and the search terms that led people to it, it's quite clear that I am by no means the only policyholder who has been lied to and cheated out of benefits I paid for.

The bottom line, in my humble opinion: Aflac sucks.

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