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Overall Satisfaction Rating 3.34/5
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  • 1 stars
Based on 1,145 ratings submitted in the last year

This company is not yet accredited. See reviews below to learn more or submit your own review.

Aflac is the leader in voluntary insurance sales at the work site in the United States.*

Short-Term Disability**

Life (term, whole)***



Critical Illness***

Hospital Intensive Care**

Hospital Indemnity***



**Available as individual product only

***Available in both individual and group products. Benefits of group and individual products may vary.

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    Aflac Reviews

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    Page 1 Reviews 0 - 10
    Rated with 5 stars
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    Verified Reviewer
    Original review: April 18, 2020

    I signed up with my employer as an additional benefit without fully understanding what the insurance was for. I had a dental policy and a hospital indemnity policy and a cancer policy. Each time my kids went to the dentist - they would send me $25. One of my kids got xrays - they sent me $50 for that. The checks come in less than 10 days - paper checks straight to your mailbox. It was very easy to file claims online and the money honestly felt like free money because I was not expecting it (even though I know ultimately I had paid into it prior).

    The hospital indemnity policy paid me each time I gave birth. I think for regular deliveries you get a basic $200 reimbursement. But my pregnancy had complications, I was in the hospital for a week with treatments and Aflac ended up paying me almost $3000 - which helped me cover the portion of the hospital bill that my insurance didn’t cover - with some left over. It was a bit of a pain to get my hospital records to the Aflac claims department - but as soon as I did - I got a big check signing 10 days. Much less hassle than I would expect for such a big claim. I’ve since started my own business and miss having Aflac coverage already. I will be signing up my business for this insurance as soon as I can afford to. The best testament a a business is a returning customer right? Thanks Aflac for being so easy to use.

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    7 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Dec. 4, 2019

    I've had AFLAC with my job for 3 years now. I don't have anything negative to say about the company, as they have always done what they say they will do for me anyways. I've never had a problem getting my Hospital Indemnity insurance claims paid out. It has been a blessing in disguise as I get sick quite frequently and wind up in the hospital. I find claims get paid out quicker if you email them all the information they need. It also doesn't hurt to send them a little more than what they ask for. If they need a UB 04 send an itemized bill as well. As long as I've submitted everything they need and asked me for I've never had any problems with any of my claims being processed and paid out quickly usually within four days to a week depending on if I fax information or email it to them. The AFLAC representatives are always very helpful and very nice. I've never had any problems with any of them. Keep up the great work AFLAC.

    14 people found this review helpful

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      Rated with 5 stars
      Verified Reviewer
      Original review: Oct. 28, 2019

      My wife fell 2 weeks after our Aflac went in effect. They have paid everything the say in a day after I send in the paperwork. For years I was skeptical about Aflac. I wish I had done this years ago. I recommend it to anyone.

      10 people found this review helpful
      Rated with 4 stars
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      Verified Reviewer
      Original review: Oct. 17, 2019

      I have a multitude of medical issues. I was placed on FMLA on August 27th 2019 till Sept. 30th 2019 pending next appt because the pain from my disease and a fall. On Sept. 30th 2019 my doctor put me off for the remaining FMLA, which I had to beg her to do as she didn't want me working at all anymore. I know AFLAC pays more than 90 days but I'm not ready to go on disability for life through SSA. I need 8 surgeries as of now. On top of my autoimmune disease. So we filled the continuing disability along with my work. Just so EVERYONE knows... their claims dept is WAY behind like about a month. It's not their fault. I was Salty with them in the beginning before I calmed down and realized they weren't going to/ can't help any faster.

      My claim is finally being done now 10/17/2019. Know that after today and for anyone filing after me.. the claims dept. is on mandatory overtime working till midnight instead of 5.. trying to get caught up. But they are falling farther behind as more claims are coming in than can be handled at this point. So if filing for disability after this post expect a month waiting period. But try to be better and nicer than I was. They are trying to catch up.

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      41 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: July 2, 2019

      I have had the family accident policy for about four years now, and it has been the biggest blessing! As much as I would rather not have to use it, I have 4 kids and accidents are pretty common around our house. I have filed claims on 3 of my kids, on myself and my husband. It has been easy, and quick every time! I am so glad I made the decision to insure my family with AFLAC.

      24 people found this review helpful
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      Customer increased Rating by 2 stars!
      Verified Reviewer
      Resolution response: May 18, 2020

      After all the back and forth, I am happy to report that I received my refund.

      Original review: May 5, 2020

      I had signed up for a cancer policy 3 years ago. I realized I just didn't need it so cancelled with the Aflac rep one month later. All of a sudden, in 2020, the company starts taking out 15/week out of my paycheck. I called the rep, no response, I called the co, no help, so filed a complaint with BBB. They continue to refuse to reimburse me the $75 they owe me for January thru March 2020 withdrawals and say I never cancelled. So who was paying for the policy for 2017, 2018 and 2019?! Not sure how they can do this but watch out, very shady, very unprofessional, and not willing to admit they made a mistake.

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      Rated with 1 star
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      Verified Reviewer
      Original review: April 25, 2020

      I got this policy to help out. It I had a problem while working. I had an accident at work and needed a shoulder replacement. It was bad being out of work on Worker's Compensation. Several hundreds of dollars less than my regular paycheck. But I had a Aflac Disability Policy so that will Help Right? No! Not on an at work accident. Also I will let you know that depending on Your Employer they Does have to pay you ANY of your accrued sickness time while off. They can... But they don't have to and are not required to by law. My Employer of almost 10 years did not....

      2 people found this review helpful
      Rated with 2 stars
      Verified Reviewer
      Original review: April 22, 2020

      I purchased four AFLAC policies (two for myself and two for my spouse) in January 2019 when I onboarded with my new company. It has been taken out of my biweekly paycheck like clockwork. I've never had to file a claim until this year. I suffered a torn ACL the first week in March 2020 and found out I had to have surgery. On March 11th, I called AFLAC to file a claim in advance of my surgery, only to find out, I wasn't in the system. They had my old policy from years ago, but not my new ones. They said give them 7 days to get me in the system. I thought, 'No problem. I've never filed a claim before, so that would make sense'.

      March 17th: I call AFLAC. I find out I was still not in the system and was told to speak with my company about it, maybe there was a problem on their end? So, I went to my HR dept. My HR rep said she would speak with the AFLAC rep and get it settled. March 19th: I have surgery. March 23rd: I call AFLAC to file my claim. Still not in the system. I email my HR rep, who was shocked that it was still an issue. I was told they were going to get it fixed and I would hear something soon. March 31st: I email again. Same answer. Still waiting on it to get fixed.

      April 16th: I left my company on April 13th. I emailed my HR rep again and was told their AFLAC representative had submitted my information and was only waiting on one signature. I was told their AFLAC rep would be in contact that day. One week later, and I still have heard nothing from him. I emailed my old HR rep asking for his contact information. Still waiting. April 22: I contacted AFLAC to see if I was in the system. Nope! I spoke with a rep who had to draft a letter to send to the group insurance organizer to outline the problem. She was nice enough, but I have to wait yet another week to hear anything.

      I am extremely disappointed in AFLAC/whoever their rep is for my former company. It should NEVER be a hassle to get benefits YOU'VE paid for. EVER. Thank god I am not in a financial bind like so many people, but I paid for my benefit, and I want my money. I've paid out of pocket over $700 for my surgery copay and subsequent Physical Therapy sessions. At this point, I can't even file a claim because I don't have a policy number!

      I will update this review as I go, but right now, I am beyond irritated. Be VERY careful when you sign up. It seems their representatives are hit or miss in their work ethic and job responsibilities. They don't consider the fact that clients come with claims, not just commissions, and it is their duty to make sure they are put into the system from the very beginning.

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      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 22, 2020

      I had short term disability with Aflac. They paid nothing for my disability.... They did not approve of my er visit, or my time off... I will never pay for this additional insurance again... Just another scheme to dupe you out of your money! Don’t do it!!!

      8 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: April 17, 2020

      Make sure you ask to sort these reviews by most recent. You will see nothing but a full page of one star reviews and if I could give zero stars, I would. I have had this coverage for 3 years through my employer. This was my first attempt to actually file a claim with them. I will NOT be renewing. My daughter had emergency surgery in 2019. Here is how the timeline for this claim follows - OH and KEEP GOOD NOTES when you deal with them.

      Mid-October 2019 - I attempt to complete claim online. Website will not permit me to upload my documents. I call and I am instructed to continue without the documents and then email those separately. Nov 5, 2019 - I was checking on the claim because there was no way to get a status update if this is a group policy through your employer. Ryan tells me that what I provided was not sufficient, I need to send a UV4 form. I try to request one, but all the hospital will send to me is an itemized statement in place of a UV4. I email the form.

      Nov 7, 2019 - Letter from Aflac says they need additional information for my Hospital Indemnity claim and required supporting documentation was not provided. Nov 8, 2019 - Another letter from Aflac denying my Accident Claim because it was not an accident. That would because it was a HOSPITAL INDEMNITY CLAIM. Nov 12, 2019 - Another letter. They cannot process without a diagnosis code. Please submit codes with supporting documentation.

      Nov 13, 2019 - I speak to Laurie. I will need to have a signed authorization form for Aflac to retrieve the diagnosis code from the hospital and must state in my cover letter to please use the authorization to obtain any documentation needed. The form must be signed in ink by my now adult daughter who lives 4 hours away. Even though I am sending PDF files, they will not accept electronic secured signatures. Off in the mail it goes to my daughter. While I wait for the signed form, Aflac closes the claim.

      Dec 16, 2019 - I open a NEW claim and send the same documentation I have in the past along with the additional requested cover letter and release authorization form. Jan 24, 2020 - I call to check on the claim status because it has been over a month and group policyholders cannot have online access to their accounts (you have to call). They still need the diagnosis code. (???) I explain that I know that, which is why I included the additional forms for authorization to allow them to get it from the hospital. Documents are located that I sent and my claim is being sent back to the AUDITOR (remember this, because it shows up again).

      Jan 27, 2020 - I get a letter dated for Jan 23 that states the claim is closed because requested documentation was never received and claim was incomplete. To add insult to injury, it further states the submission does not support room and board (they had an itemized bill for everything including lines such as "private telemetry room and care" for a 5 day hospital stay). MOREOVER, it says they made several failed attempts to contact me. (No, they did not).

      Feb 6, 2020 - I spoke to Tamika to check the claim status after my call from Jan 24 to verify that the claim did indeed go back to an AUDITOR. I have a note that the last update was on Feb 4 - an email to Lynn, a case manager. I needed to allow more time for the hospital to respond to Aflac's request for documentation. Feb 28, 2020 - I spoke to Garret to check the claim status. He says they are still awaiting the diagnosis code. The hospital wants their own form completed for release of information. He states they are awaiting that to be returned from ME. I tell him that it has not come to me. I verify my email, mailing address and phone number with him. He returns the claim to the AUDITOR.

      Apr 1, 2020 - I spoke to Brea at 11:56 am. She states that they are still waiting for me to return the hospital's authorization form. Have I received it? NOPE! I verify my phone, email, and mailing address again with Brea. She returns the claim to the AUDITOR. Have you seen a pattern here yet? The claim has been denied 2 (possibly 3) times for various reasons, and the only time they EVER contact me, is to tell me that the claim is denied for their own oversite or because they need more information - EXCEPT when it comes to sending me this hospital authorization form that I never get. No one emails me. No one calls me. No one sends this form to me.

      I am been trying to get this claim paid for 6 months. Those ads on TV about needing your money now? Forget it. We needed this money in January. We probably will not see it until July, if ever. Run as fast as you can. Put the money you would have paid thieves and liars into a bank account for these situations when you actually need it, instead of throwing it away to con artists.

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      10 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 Contributing Editor

      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:
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      1932 Wynnton Rd
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      United States