3.8/5 (723 reviews)

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Overall Rating3.8 out of 5
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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: May 18, 2023

I have had AFLAC for over 13 years and the underwriting is getting longer wait and the payout is getting worse as well. I submitted a claim in April and it is 5/18/2023 and I am still to wait another 5 days. Also I had to pay for my paperwork from physician office which was 280.00 for a payout of 400.00. Claim I submitted was very easy to review and complete yet the underwriter needs more time? Not sure why I submitted this to another company for approval which usually takes longer and it was completed within 48 hours.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 3, 2023

I signed up for AFLAC short-term disability and hospital- through my employer, when @Michael ** - LICENSE NUMBER: ** came in with one of his agents to explain the different coverages. I told him about my having visited the Dr for arthritis, I asked if I decided to have surgery, and it would be covered. I was told it would be covered, providing I waited until 30 days after my enrollment.

Fast forward 2 yrs later I decided to have surgery. Imagine my surprise when my two claims were not covered due to pre-existing conditions. According to Aflac, I would not be covered because I saw a Dr prior to my enrollment. Not even my short-term disability was covered. I should have read reviews prior to my enrollment, everywhere online it says they take your premiums but do not pay claims. The Fl Insurance Commissioner need to look into this company and their practices of scamming the consumers. @yourflvoice, @myspecialaflacduck, #aflacsucks,, #aflacducklies

4 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: May 2, 2023

    Feb 2023 I experience an off the job injury; however having Aflac I felt secure in receiving short term disability. This insurance is through my employer which I have payroll deductions. I rec'd the first pymt but submitted continued disability forms from Dr, employer and myself. First the representative STATES the date on paper had to be after their monthly close out date. Keep in mind I pay $25 per Dr visit + $25 for Dr office to fill out paper work. It's May 2023. I have not received anything but letters asking for the exact forms I've uploaded on the web app. I've tried contacting my representative (that's a joke).

    This company will have you sleeping on the public street for non payments for injuries. I beg you don't waste your money getting Aflac. I have NO income and bills are piling up. I normally check reviews prior to purchase of anything, well it was through my job so I committed. The company in my opinion is not transparent until they're drafting your employee's check. I asked for another copy of my policy book since February.... Haven't received it as of May 2, 2023. DON'T, DON'T, DON'T GET THIS COMPANY INSURANCE.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 19, 2023

    I will start telling you I have recorded every conversation. I submitted a claim after 1.5 yrs of paying without any claims. I fell down the mountain hiking and tore my tendon. Due to the area I am in with not many orthopedic surgeons I was forced to wait to see the doctor by a couple of weeks. I submitted the claim and it was denied due to the fact that I did not go to the doctors within 72 hours. Nowhere in my paperwork does it state that I had to see a doctor within 72 hours. I called cancel my Insurance and the woman I spoke to told me that she would cancel my insurance and I would be refunded $482. Several days later she called and said she made a mistake it would be $40.00.

    I called back and tried to reach a manager and spoke to a young lady. That said I did I qualify for physical therapy, a boot, if necessary, and follow up with the doctor. I did ask her several times why I would qualify for this after they denied my claim and she assured me that I was entitled to 10 physical therapy sessions, etc.. I then submitted my physical therapy and follow up visit with the doctor and that was also denied. I have tried several times to reach a manager to discuss this and have them review the recorded messages and keep being told that a manager will call me back. As of right now I have not heard a word from anybody. As far as I’m concerned, this company is a total fraud.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: April 15, 2023

    I've paid into Aflac since June 2022. They have been taking it directly from my paycheck... I had back surgery, filed a claim in a week before surgery... They didn't have a policy for me. Said it was a computer glitch. Did some more paperwork to try and get sorted out. Still haven't seen a dime. Now they are saying I owe them money since I was out on disability that is through my employer. They can take my money but won't give me mine. Hmmm not right. This has to be illegal. How do they get away with that??? They a bunch of thieves...

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 27, 2023

    I have had my Cancer and Short Term Disability Ins Policies with this Company since 1998, it's 2023. That is a very long time. I wanted to do the right thing. However with some kind of issue with their website when I paid my account online 2.26.2023 for the 1st they said they did not get my payment. Then they sent a letter and stated they wanted the payment no longer online - till I had my back issue them a letter stating that I had the funds. Which after this many years is stupid. I have always paid that payment. I canceled the account - what was crazy - I had the account longer than the girl who canceled the policy had been alive. I will use welfare and gov't just like everyone else.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: March 27, 2023

    We only had Aflac for a brief period before my husband was diagnosed with cancer. They paid the claim very quickly. The easy to complete on-line filing for the wellness benefits are paid promptly. We have never had any problems and will continue to use them for as long as we live. It's nice to do business with a company that stands behind their product. Thank you Aflac!

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    Rated with 1 star
    Verified Reviewer
    Original review: March 20, 2023

    I was in intensive care in 1996; decided to get an AFLAC intensive care policy in case myself or my husband ended up in intensive care. Day after Christmas (26th) my husband had a heart attack. Spent two days in intensive care. I sent in a claim that was denied as Aflac didn't like the codes on the claim. Went to the hospital and they gave me a new bill with other codes, so I sent in a appeal claim. We got a total of $300, reduced rate because myself as the main person is now 70. This on an $86000 + hospital bill. Statement with check says all claims will be reduced due to my age. My husband who the claim was for is under 70. Don't waste your money, better off putting cost of policy in your savings account as you will get a much better return. If you are over 70 expect any claim to be reduced due to your age. I feel like this is age discrimination!!

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 16, 2023

    Absolutely horrible. Impossible to get assistance with claims. Have been waiting months and months... Still waiting. Aflac advertises help with money while hospitalized. You will starve to death first! Scam.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 7, 2023

    AFLAC is a scam and their web portal seems to be designed so you are unable to contact someone to assist with your claim. It seems to be designed so you give up and say “It’s not worth it”.. Please reach out if you need another witness..

    6 people found this review helpful
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    Aflac author review by Matthew Brodsky

    Aflac is one of the best known American insurance companies. It offers various types of insurance, including disability insurance.

    • Real cost calculator online: Users can calculate the probable cost of medical care for injuries or illnesses prior to beginning a claim.

    • Health insurance as well as disability insurance: Users can purchase insurance to cover specific medical conditions or general medical care as well as disability insurance.

    • Short-term disability insurance available: sers can get short-term insurance to cover them when a temporarily disabling condition hits.

    • Lump-sum policies cover long-term illness: Although Aflac doesn't offer long-term disability insurance, users can get a lump-sum benefit for a critical illness, allowing them to continue to support themselves.

    • Rapid online claims processing: Users can file claims online and upload documents to get their benefits within 24 hours.

    by Matthew Brodsky Insurance Advisor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    Aflac Company Information

    Company Name:
    Company Type:
    Ticker Symbol:
    Year Founded:
    1932 Wynnton Rd
    Postal Code:
    United States