Aflac Reviews

First of all, I think it is a very good idea on the front end to read the policy carefully and be aware of what Aflac pays for and what it does not because it is rather expensive! The claims that I have qualified for have been paid promptly. Have your bills ready to submit in PDF format. Submitting the claims online proved to be difficult both times I have tried. I probably made the process more confusing because I submitted claims for treatment halfway through and then had to submit the other half. Both times I tried the online chat feature which appeared to be just an automated feature - very frustrating. And both times I had to call customer service - each time I spoke with a very helpful, very patient (!!) young woman who stepped me through the process. I wish I had gotten her name and found a way to reward her - I think it was the same person each time in the Cancer Claim section.

I had the privilege of working with Matthew ** during a challenging time, and his professionalism, knowledge, and empathy left a lasting impression. As an associate at AFLAC, Matthew went above and beyond to help me navigate and unravel my deceased father’s policies. He demonstrated exceptional attention to detail and took the time to ensure I understood each step of the process.

I'm so surprised there are so many bad reviews for AFLAC. I have found them so fast and fair! They have a super easy website to submit claims and their turnaround time is extremely fast! I have been using them for years and very happy with them! My rep., Ed **, is also always incredibly responsive and sweet!

Aflac came to the company I work for and after listening and asking questions to representative Maximo **, I decided to get the accident, hospitalization and cancer coverages for my husband and me. I recently had a surgery where I had to be home for three weeks. My company covered these weeks, but I could also obtain extra money from those coverages I paid for.

I have had my cancer policy for 30 years. Having been diagnosed with cancer twice in the last 10 years I thank God I had this policy. I have always had a great experience with Aflac and never an issue when filing a claim. I highly recommend them as we never know when the unexpected happens.

I had two surgeries on May 30 2025, thought I would be OK having Aflac short term disability, I have submitted everything down to my w2s and still waiting 27 days later, you talk to a representative they all tell you something different, as soon as I can I am canceling my three policies with them, I have paid them for these policies for over 7 years and never have needed them and now I need to use my short term and have went through hell trying to get my weekly benefits, it's ridiculous that they don't let you even start the paperwork untill after you have the surgery and ridiculous they put people through this when they are trying to heal, it has been nothing but stress when I should be focusing on healing my neck and wrist surgery. Beware!

My wife a major heart attack in January. I had taken the specific event policy that covers specifically heart attacks, strokes and brain injuries. The agent who sold the policy did not ask if my wife or I had diabetes or do or have smoked in the last 5 years. Oh we find out that those are preexisting conditions. Thus the policy should not have been sold to me. The claim has been in review since March. They won’t even decline the claim which is most likely even though I was sold a policy that is worthless. My feeling is I was sold a policy under false pretense so they should honor the policy. They are still taking money for it out of my check. I can believe that individuals have been sold this policy and never use it. And if you smoke or have diabetes you’re paying for nothing.

Aflac is not the company it used to be. Claims were paid correctly and in a timely manner in the past. However, this is not the case any longer. They purposely don't pay benefits you are entitled to and pay some parts of the claim incorrectly (the mistake is never in your favor). When you call customer service, they will never let you speak to someone in claims.

I have never submitted a review of anything before but I have also never been this angry before. I obtained coverage in October 2024 and gave birth to my child in March 2025 (early c-section). I applied for coverage afterwards and was informed that my time would be covered up to 6-8 weeks. For the next 6 weeks (as I did not work and was not paid) I was sent on a wild GOOSE chase with AFLAC stating I needed to upload "office notes from my initial consultation". Proceed to me recovering form after form to submit until my claim was denied for "failure to receive" the form that I submitted two weeks prior. After several calls to Aflac and my hospital to figure out what they needed, Aflac informed me they need the form sent to them directly from my physician.

They have taken my money for many years. Now that I need my short-term disability, they have found every reason to deny my claim! SCAM ARTISTS! I cannot work due to permanent nerve damage and they said I have to have an aide in order to get the disability. How can I afford an aide if I am not able to work! I have given every piece of information they’ve requested and they acknowledge the disability but since I can move, I am just fine. They have no clue what PHN does to a person.