Aflac Reviews

Aflac is absolutely terrible. My wife suffered from hyperemesis (severe morning sickness) during her first trimester. Even with a note from the doctor, Aflac denied her FLMA claim, which resulted in all her PTO being wiped out. As if that weren’t bad enough, the Pro Bull Riding spectator tickets I got for her birthday will go to waste, and I am out a couple grand for the flight and tickets. Aflac makes the stressful situations in life 10 times worse.

Extremely disappointed. I purchased this policy because it was presented to me as supplemental income protection that would help cover the remaining portion of my paycheck if I was unable to work due to a non-work-related illness or disability. That was the entire reason I purchased it. I paid approximately $30 a month for almost three years, believing I had meaningful financial protection if I ever needed it. Now, when I actually need the policy, I find out that my benefit is only $16.66 per day. Had the policy been clearly explained to me as paying only $16.66 per day, I would never have purchased it.

Worst insurance! No communication at all whatsoever and when you call and get it all fixed, they just put you on the back burner! Never mind that you have bills to pay, no money, you can’t work your job, you can’t walk, so you can’t pay your bills, so everything starts getting shut off. Do they care? Absolutely not. They do not care. With 1 ounce of there being they will do their type things on their time and their time only; they do not care about the patient or their people who pay their premiums to them every day. Don’t forget we pay your paychecks, and this is how you treat us. It’s ridiculous, and I’m over it.

I'm not impressed by Aflac at all, like most of you I trusted them and they fell short in holding up their part for my short term disability! I was told 1 to 4 days to get my payments and it been over a month saying in review... I reached out to the franchise did speak to a person and I was told give the another week... Okay why not. It's been a month already! And much to my surprise still in review!!!! Nothing I guess they are not about helping people who didn't ask for medical issues to come up unexpectedly and our money we paid in for years helps them only! So disappointed!

I have been trying to get a billing issue resolved and my acct credited for almost 1 year now, I even filed a complaint with the CEO Dan Ramos, I received an email from their office from Stephanie ** saying everything was fixed, and to my surprise it is still going on, after calling them again today, for the 10 time this year....WOW!

Ebony my case worker is not getting back to me, I have emailed and called several times to be told there is a system glitch. That it's being worked on. My payment was missed for no reason I can find on the portal. There needs to be some firing. My bills are accruing late charges because of this. I would like a job like Ebony and not do anything.

Based on my recent experience, I would strongly recommend carefully reviewing Aflac’s Critical Illness Insurance before enrolling, even if it is offered through your employer’s benefits package. My daughter recently underwent a heart procedure for a serious congenital heart defect, with medical costs approaching $300,000. I filed a critical illness claim with Aflac and provided the requested information.

I do NOT recommend!!! The claim process has been frustrating, with little to no communication throughout the process. We submitted all requested documentation, including my doctors’ bills, and the expense clearly appeared to be covered under our policy. Despite that, Aflac still has the claim in review for over a MONTH. We expected much better customer service and transparency from a company we’ve paid premiums to for over 20 YEARS!!!! Definitely not the experience we expected.

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 previously shared a review expressing my disappointment and frustration regarding the handling of my late husband’s policy. I believe it is only fair that I also acknowledge when a company takes meaningful steps to address a concern and make things right.

After my previous experience, Bobby from the FE Claims Processing Team contacted me and took the time to genuinely listen to my concerns and understand why I was so frustrated. More importantly, he took action. He facilitated the issuance of the remaining policy benefit, bringing resolution to a matter that had caused me and my family a great deal of stress and disappointment.

I still wish the process had not taken as long as it did, especially while I was grieving the loss of my husband. However, I sincerely appreciate the way Bobby handled the situation. His willingness to listen, communicate, and follow through helped ease much of the anger and frustration I had been carrying.

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.