Tuesday 14th of March 2017 03:20:50 AM
I became a policyholder with Aflac in 2009 and was a member since 2012 with my employer. The Aflac representative name was 'Micheal'. He was great. He would come to our offices for whatever reason and he'd always drop by every department and ask if there's any questions or concerns. I had my policy for maybe about 1 year when 'Micheal' dropped by and asked me, why haven't I been utilizing my policies? I was stuck. I told him that I have been very busy and the times that I did think about filing claims, I figured it was too late to do so. He is the one who informed me that there wasn't a time limit on claims. He asked me did I have kids? I told him I had 4 and had just found out I was pregnant with my 5th child. He gave me his card and told me "to give him a call asap I can".Well about 1 week later I did call Micheal and he guided me step by step on each of my policies and what to ask for when I go to the ER, dentist, chiropractor etc. I thought it was gonna be a complicated and difficult process and to my surprise, it wasn't anything like that. Everywhere I went, the second I asked for the particular form, the staff members knew exactly what I was talking about. So here I am with forms with all kinds of medical terminology that I know nothing about for myself and all of my children. From dentist, obgyn, pediatricians, emergency rooms, chiropractors you name it. He also helped me on what Aflac booklets to read so that I'd know what information to include in the cover letter of the fax as well as the actual papers such as my policy#, name, policy info. etc. Each time I had no issues, I believe one time a claims adjuster (anytime a claim is filed its assigned to an adjuster) I remember reading someone else's review and they stated "that every time they called, they were told they had to speak to a specific person". I don't mean any harm but when it comes to me having to call a company as large as Aflac, I'm ecstatic that I have to talk to the same person when I call concerning a claim. That way you won't have to constantly keep repeating your situation over and over again only to be told different answers by each person u talk to. That would drive me insane. So every time I called, which by the way was like 3 times, every time I faxed my paperwork I'd call the cr to make sure he/she received it. Then I waited like 24 hrs, because at that time it was a 3 day wait time. Anyways, there's a number I called but I believe I had to wait at least 24 hrs after my claim was submitted, I was asked to follow the prompts, then put in some of my info like birthdate and claim #, and it would tell me right then and there if my claim was approved or denied. Mine thank god, was always approved. There was only 1 problem I had with Aflac and that was after I had my baby, she had to stay in the hospital for about 28 days and they denied my claim. When they said they covered hospital stay and intensive care. I was suppose to get like$350-$550 per day. I was so emotionally drained from constantly being with my baby, my other kids and trying to survive, I put it on the back burner and never did get around to appealing that decision. I'm gonna call them to see what their procedure is regarding things like appeal etc if there is even such a process they have, just for my information.Now I don't know all of the other people's facts about their cases and claims, but I do know that when filing the claim it's a good idea to go over your policies, to make sure that all your paperwork is in order, check it to make sure everything Aflac is asking for is included, if you still are a little lost, contact your Aflac representative (because everyone should have one in their area or within their employment) and lastly please make sure that when you send your claim and all paperwork, that it's through an email, or some kind of communication source that will be date and time stamped like fax, scan or email. That way if the day and time has any significance on how, when or how much you will receive, you will have your proof and can always pull it up for verification if you may have to go another route in retrieving your compensation. You know what I mean. Anyways good luck everyone and I wish you all health, happiness, peace and prosperity.