Aflac Reviews

Aflac has not followed through with their word. They told me that I would qualify for a claim for my heart surgery but after the surgery they claim was denied. I was going to cancel of course but then Carter with Aflac came back and said. "Don't cancel or you can't get your claim in 6 months." Just wait 6 more months and it will go through. Well 7 months later the claim was denied again. Carter is a liar and Aflac is unreliable. It would not allow me to leave zero Stars otherwise they would be getting zero Stars not even one.

I am extremely disappointed with my experience with Aflac. After relying on them during a very difficult medical situation, the lack of communication and transparency has been unacceptable. I was informed that my Short Term Disability and Long Term Disability claims had been reviewed, and I made financial decisions based on the information I was given. Months later, I was told there had been an overpayment. Despite repeatedly reaching out for answers, I struggled to get anyone to explain exactly what happened or what the repayment process would look like.

I am extremely disappointed with my experience with Aflac. My husband passed away just over a year after obtaining his life insurance policy. After waiting more than a year for the claim to be processed, we were informed that we would receive only a refund of the premiums that had been paid. Aflac stated that we had signed a waiver forfeiting the claim. However, if a waiver was presented, it was never adequately explained to us. We were never told that signing it would mean giving up the life insurance benefit. What is especially difficult to understand is why we were made to wait for more than a year, only to be asked to sign a document that effectively ended our claim.

Horrible customer service.. was transferred back to original person after being bounced around about 6xs..never even got to cancel cancer policy..will just have to stop payment with bank..seems to be easiest alternative than getting g through to this company.

I would highly recommend for everyone out there do yourself a favor and purchase insurance through Aflac!!.. I had an injury back in January and even though there was tons of paperwork and leg work to do amazingly it was well worth it.!!! The amount of money that I received from Aflac from my injury was amazing.!! It literally saved my ass on helping to pay for medical bills. I would highly recommend Aflac for whatever your needs may be.

I have been a customer with AFLAC for 8 years and never have I waited this long for a payout. I'm calling everyday to hear "everything is done in order" so my claim was submitted on July 8, 2026 and still nothing. But then you try to get me to set up a payment plan, how? I explained to them that I'm about to lose everything but still nothing. This is frustrating, knowing that I have paid so much money here and have to deal with the run around/ excuses. I have kids that need providing for. I just wish they would put forth effort and be more human to our needs. Because after all our premiums pay their salaries.

Poor communication from agents. This was provided to me thru work. Agent is very rude and cannot assist with questions. Scam insurance.

⭐☆☆☆☆. My experience with Aflac has been extremely disappointing. The claims process is slow, confusing, and unnecessarily difficult. Even with the required documentation, my claims were repeatedly denied with little explanation. Customer service was unhelpful and offered very little support throughout the process. I expected better from an insurance company that’s supposed to be there when you need it most. Unfortunately, poor service and constant claim denials have made this a frustrating experience. I would not recommend Aflac based on my experience.

I wish I could give it a 0 star. I am extremely disappointed with my experience with Aflac. I purchased short-term disability insurance expecting it to provide financial protection if I became disabled. After undergoing a medically necessary ankle fusion surgery and being unable to work during my recovery, my claim was denied based on a pre-existing condition exclusion. The denial was frustrating because my disability resulted from major surgery and the required recovery period, not simply a diagnosis listed in my medical history. I paid for this coverage expecting support during a difficult time, but instead I was left fighting to prove my claim.

I have Aflac through my employer and have short term disability coverage. I had surgery in February, went back to work in April and I have yet to receive my payout. I have been calling them every week and get nothing but the run around. I wish I would’ve paid for private insurance because paying the large amount of money to Aflac feels like a scam. Run away from if you can!!!

You will pay your really expensive premiums and then when it's time for them to pay up, they will refuse. That was my experience.

My back went out on me while doing a job that is hazardous. I submitted the required documents to file my claim and after a month they finally said that I needed to correct some errors and add more documentation. I complied and it's been over two months. They have finally acknowledged that they have everything they need (for the 2nd time) and they are still dragging their feet. Poor to negligible communication from the agency and worse from the company. I purchased the policies to protect my interests in such circumstances but AFLAC is a threat to my life and home rather than a benefit. The Hartford is a much better choice for disability coverage.

Aflac has always paid my claims on time like one day payment, but now they are holding pay outs even after the claim has been processed and finalized and it's a simple Cancer claim. Customer Service lies about things like they trying to help but in reality they just to get people off the telephone, I don't think some of of the them really care all they want is a paycheck but if we as Customers starts to bring Aflac and the Company in the spotlight like Media and let people know they put out false information about processing claims maybe they will return to doing what they advertise.

If I could leave a 0 I would… This company does not even get to know someone before they judge you with a decision on coverage. This company is like all the rest in this country. They are all about the money and nothing else. What a shame. I would not recommend this company to anyone else. Word of mouth goes a long way.

It’s sad you can’t even leave a review for your company on Facebook. As I was lied to from my local Aflac rep. He said that when I got the policy, my spinal surgery will be handled under short-term disability. So I paid for the short-term disability. now it’s not even covered under it because it wasn’t an accident. I was not told that upfront. Or I would’ve looked elsewhere for a short-term disability. So now I’m gonna be out of work for months and no paycheck because your rep is a BIG liar. In this person should be fired because he’s just a habitual liar. There’s other stuff that he said that I won’t type up on here.

They haven't been quick to settle my claim after my brother passed away. I paid for his funeral out of pocket and it's been 2 1/2 months since I filed the claim and it still not resolved, so I haven't received any funds. It's like they're trying not pay out the claim.

I was admitted in the hospital at 9:23 on May 13th and discharged at 12:39 on the May 14th. I filed a claim that was denied because they calculated on 20 hours observation. They does not include the admission or recovery. This is nothing but a scam. They advertise that they are there to help you in trying time but this was more frustrating then my surgery. I wish a class action lawsuit should be brought up to make them pay.

I was totally frustrated through the whole process of trying to get to the right department. I was transferred 5 times, each saying I had the wrong number. They'd transfer me and it still was not correct. And each department could not answer a simple question about beneficiaries. After 30 minutes of being transferred, I never did get to the Tier One department. I just hung up. Poor customer service. The automated system at the being was no better. I had to repeat everything 3 times because she did not understand me.....

I wish I saw reviews before signing up; ideally, it’s a good insurance to have if it actually worked that way. It’s like they give you the run around even when you give them the information they asked for. They do not communicate in a timely manner and whoever is in management or leadership roles do absolutely nothing. They are taking our policy money and just living off of it. It is a complete waste of money, and I will be canceling asap. Wish I could get a refund for paying on this policy the past few years.

I am currently dealing with Aflac as they are the administrator for my employers disability and fmla services. I have been waiting 30 days for my claim to be processed. I can never reach anyone on the phone, and every time I send a message it takes 2 days to get a response. They told me that they are waiting on certain forms from my employer and my employer has records of when they sent those forms. I hope next year my employer changes providers, this is the first year they have used Aflac and everyone has the same complaints. Poor communication and lots of delays.

I filed a claim 4/15/2026, and the claim has not been paid. The claim was never sent to a claim agent until 4/26/26, I sent in a UBO4, and itemized billing. Everything they needed I sent in. The claim has yet to be paid. the customer service reps need to be trained properly on how to help customers. I am very dissatisfied. The hold time for a supervisor or auditor is beyond sad. You get the run the runaround.

I was diagnosed with breast cancer. I have the Aflac cancer policy. I filed a claim and submitted my initial diagnosis and 2nd opinion paperwork and within 48 hours I had the payout in my bank account. The process is kind of confusing, but the speed with which they paid out my claim was amazing. I'm hopeful that the future claims - when I have the surgery/if I'm in the hospital - will be paid out just as quickly.

Very long story short: Aflac is not a business that we will do business with again. I do have to say that we have not had issues with the service that they provide. What we do have issues with is getting anyone knowledgeable to speak with on the phone. Everything is compartmentalized and nobody knows who to send you to, you just get caught back up in the phone loop. We've been trying on and off for the last two years to find our outside representative. The first one we had told me to quit calling her about a year after we signed up because she no longer worked for them and she did not know who our new rep. was. Totally understandable that she would feel that way, but we never were notified of the fact that she was no longer our rep., and not notified at all as to who our new rep. was. That is not good customer service.

I had a heart attack then spent 4 days in ICU with sepsis. My rep Bethany ** has been nothing but condescending and she has an extremely large account with my husband's employer. 30 years he has paid in and they even denied his claim for hospitalization with kidney stones. Never returns any emails I send her. She started the conversation with "let's talk about this intelligently." Really Miss community College 30 years ago. I told her I would consult an attorney if I need to her reply. "I won't allow you to talk to me like this." Really? I am lit up right now and will pursue legal action if need be. She hung up on me. I did tell her before she hung up that I'm beginning to see that Aflac is a scam. Help...I want the $10,000 they owe me.

My claim keep getting denied and they don't tell you why, not upfront at least. Was told I didn't send the correct billing codes. Got the correct billing code from the DR office. Then denied again. Why? You didn't meet the waiting period yet. But then I'm told that part of the claim is valid. OK, do that then. No, you didn't file the right billing codes. And now I am stuck until Open Enrollment to cancel. TRUST ME! Don't waste your money. You won't get back much anyway. Stash that money into a savings or CD instead.

I’m about to cancel them. I’ve been paying them for 14 years! I can’t work due to pregnancy complications. They have denied my short term disability for months. Don’t rely on them. They will keep making you jump through hoops! But expect you to pay them every month but when it comes to paying you it’s a problem!

⚠️ Warning About My Experience With Aflac. I have been disputing a legitimate claim with Aflac for over a month and have experienced repeated delays, lack of resolution, and poor communication throughout the process. Based on my experience and many similar customer reviews, I believe the company’s claims handling practices are extremely concerning.

WOW! So I have an accident and because I didn't seek attention within 72 hours Aflac denies my claim. Makes a lot of sense! Here I was trying to save myself money and Aflac by waiting it out because I thought maybe I sprained my shoulder only to find out I TORE MY SHOULDER. Nice job Aflac. I will be canceling my policy.

Horror story with the agent and customer service. Poor and slow payment. Requested documents from the previous year. Was provided and still no payment.

Do not waste your money on this Aflac. They deny everything even with proper paperwork from doctors after a injury I got from/while working and I have been paying into Aflac for years and when I need them they don't help .. They're just stealing from people.

Every disability claim I have filed with Aflac has taken over a month for payment despite all required medical records and physician documentation being submitted promptly. My current claim was filed April 9 and still remains unpaid. Communication has been poor, and I have had difficulty receiving updates or resolutions despite repeated follow-ups. The delays have caused financial hardship and unnecessary stress.

I have short-term disability with Aflac in March. I was hospitalized for 10 days and diagnosed with as syndrome I, doctor did all necessary paperwork but FMLA and for my insurance I received my first check April 25th for $349 and then they informed me I'll receive another check for 3 days only and that's it. Mind you I'll be off until June the 11th so I've been calling them every day to get this cleared up and somebody always keep passing it off to the next person to the next person or supervisor supposed to call me, nobody has called me. They'll rip off and I wouldn't recommend them to anybody. I'm already going through a very rare disease process and then I got to fight with them every week, and still no money, what's the purpose of having it.

Aflac is a joke. I was told that I'd be paid 60% of my wages for my short-term disability claim when I was out for surgery and they modified it and made it to an unpaid claim after making me jump through a bunch of hoops, postponing it, dragging their feet and not getting stuff done. This place is nothing but a joke. They're liars, and they fraud people. I wouldn't recommend this company to anybody. Even if I was on my deathbed, stay away from this company. They rip you off and screw you over, period.

Wish I read the reviews before I wasted my money on them. I’ve had Aflac for years and when I recently had to have a hip replacement they denied my claim for short term disability. They strung me along asking for more info. I would send it and they would deny saying I never sent it. They would ask for several different things then denying it. Saying it was a pre existing cond. I challenged their denial and was only told again that it was. I decided to stop wasting my money. I will NEVER recommend them to anyone. Looks like I was one of the many of denial of claims and also an agent that would not communicate with me.

Aflac’s cancer policy has been one of the most frustrating and disappointing experiences I’ve ever had with an insurance company. When I signed up, it was sold as a safety net during one of the hardest times in a person’s life. In reality, it has been the exact opposite. The claims process is unnecessarily complicated, slow, and filled with red tape. At a time when people are already dealing with the emotional and physical toll of cancer, Aflac adds even more stress by making you fight for benefits you’ve been paying for.

I’ve been a customer for about 25 years. This march I had an injury that required surgery and my last day of work was 3/6/26 and I had my surgery 4/6/26. I filed a claim on the 12 yo of march and apparently there was a discrepancy between my employer's paperwork and the surgeon's but they would not call and tell me so I had to make dozens of calls to get it rectified. I called up every day and now they tell me that my employer forgot to fill out something instead of telling me on one of my many calls. Now I have to refill everything again and make sure I dot my i's and cross my t's. I swear they are doing g everything they can not to pay out (I pay monthly out of my pocket). They are hoping I get so frustrated that I give up but I won’t give up!!! Now they won’t let me post this review.

I would NOT recommend getting AFLAC, find another company. They say you get your money within days, that has NEVER been the case. They constantly say they didn't receive your documents, but it's showing on their website that they did receive it all. They will call "the back office" and let them know the documents are there. It's taken over 30 days to receive claim money. That's with multiple phone calls, showing they DO INDEED have to correct information. Find another company and save yourself a lot of stress...Doing their job!!!

I have had Aflac for years through my employer. During these years I never had to submit a claim. However last year I had a critical care diagnosis which required surgery and a hospital stay. Our plan cover hospital, accident and critical illness diagnosis. I was paid a total of $200 for the hospital stay and was denied a claim for the critical illness without an explanation. I was informed that I would receive a letter notification for the explanation of my denial. Once again I never received a letter with an explanation. Mind you it took over two months for a finding before I heard anything. Having this Aflac coverage is a complete waste of time and money.

My mom worked for Aflac for 10+ years and we have been treated so poorly by their customer service team and the communication and follow through is the worst I’ve ever experienced. She passed and they have done nothing to make this process even remotely bearable.

I have subscribed to Aflac for over 20 years ($120 + per month) and for my employees. I just had a claim, for the first time, for two (2) nights for an Aneurysm. Sent ALL doctor's information, surgery and hospital billings. Aflac would owe me all of $500+/- for this $250,000 medical bill and 20 plus year of $120/mo ($28,000 + in premiums paid). Aflac rejected my claim until I proved this was not a "pre-existing" health problem!!! Really how the devil do you prove you did not have a health issue 20+ years ago!! One More Insurance company that is selling nothing but taking your money!