Aflac Reviews

My husband had to have extensive foot surgery and would be out of work for 6 weeks. Been paying for short term disability with an extra buy up, to increase his pay out. It's been 6 weeks and still hadn't received the second buy up checks. They keep saying they are coming. Talked to 3 different "supervisors". We received the regular check BY MAIL. Finally got that direct deposit straight. Seems to me Aflac spends more money on their advertising in TV commercials than their customers. I'd rather put that extra money in savings and handle it ourselves. Would not recommend!

Claim issues all the time. They kept saying they didn't receive the paperwork, even when I had verification the fax was received. Customer service wasn't helpful and rude. I won't ever have this again and would not recommend at all.

Got a letter from Aflac with my address and someone else's name. I contacted the fraud unit of Aflac and they refused to take any information to clear this matter up and told me to disregard the letter. They are aware of the data breach and stolen information on their customers. I am not an Aflac customer and never will be now. It is a Very disorganized company and I was shuffled around before someone told me to go away with my silly complaint or words to that effect. That's what saying dispose of the letter means. I told them I was taking it to the police and filing a complaint for stolen identity. Aflac did have a recording stating they have wrong addresses on some of their clients.

I’ve had AFLAC for two years and I believe it is a big waste of money. First of all, they denied my claims. They don’t take claims for hernias, even if they rupture! 2nd of all, I received a letter about a security breach and they supposedly offered me 2 years of security protection but after signing up, the account I set up was closed as fraudulent!??? Now I can’t even get what’s coming to me! If anything’s a scam, it’s AFLAC!

Be watchful when continuing policies. I've signed up to continue my policies (outside my employer) and set up auto payment. They neglect to take the payment and then cancel your policies RIGHT WHEN YOU NEED THEM!

When you've been dealing with them for a long time and then when the doctor does not have a return to work date and then they hold your claim up at first they give you a part of a claim for a small amount. I've been so upset with all of this bill's late stuff and threat of getting cut off when you're honest it don't pay in this situation because they don't believe you. They just sit back and just wait for stuff to come holding everybody up. It's like a punishment. I guarantee I'm going to save my money and I'm going to get out of all of it. Hartford they don't do that. Hartford does not do this.

I am so exhausted dealing with this company. After submitting the paperwork they request, they now request more. Some of the request are absolutely ridiculous. I feel they do everything they can to not pay, or to tire you out so you give up and don’t bother anymore.

Aflac could care less what happens to their members. Their main goal is to get out of paying their claims! They say, “we sent the document to your physician”! The physicians response is, “we didn’t receive the document”! So in the mean time…the patient/member is struggling to pay bills and being stressed out in the time that they should be recovering! Aflac….what a joke! It’s all a scam to get your money!

If I could give no stars I would. I was told when I called on November 25th 2025 that the monthly payment would NOT be taken out until December 4th. I was assured of that, as I told her the money wouldn’t be available until December 4th. Well of course it was taken out of my account on November 25th which then caused an overdraft fee that they will not reimburse me for. These phone calls are taped and I asked them to please pull that call and listen to the agent assure me that the money would not be taken out until December 4th. I received a letter, today, 12/29/25 stating they are not responsible for the overdraft fee. They just took out again for the premium, so I called and canceled the policy, and will not get reimbursed for that either! Check your options people, they tell you one thing and do another! If you are looking for a secondary insurance PLEASE DO NOT CHOOSE AFLAC!!

I had a accident policy with Aflac one day. I had got dizzy and fell off of the ladder and I went to the hospital to get checked out then I had filled a claim with Aflac. They had defined my claim because they said it was a medical problem I had. Who are them to determine if I got a medical problem. It was still a accident because I had fell off of a ladder. That is discrimination. Aflac states that if you fall off a ladder that is a claim but when I had got dizzy and fell off of the ladder that's a medical problem and it is not a claim then when I had filed the claim they had went up on my policy payments. Shame on them.