Aflac Reviews

They only help out with one Dr. checkup (accident ins) preventative checkup per year. The policies have limited coverage for conditions and lots of uncovered conditions in policy that you would think would be covered by policy. The claim process online is difficult to maneuver and limited online options, claims take several days then they like to deny and not tell you exactly why and won't let you know if it should have been filed differently. Online chat is AI that is elusive and non-helpful. They say they care about your mental health but you will be denied if you are mentally Ill and attempt suicide. They accident coverage does ok with Injury like broken bones or stitches.

This whole experience with Aflac has been horrible. I am a single parent and I have two different short-term disability policies with Aflac. I have both a traditional and a group policy, as you never know what life is gonna bring. I had to have shoulder surgery in which I will be out of work 3 to 5 months. As a single parent with only my income and no child support and nothing else to rely on 3 to 5 months is detrimental. I had all my paperwork put together prior to having surgery in which they wouldn't accept it before surgery. So I had all paperwork faxed two days after my surgery.

I've been off since 2/4. I have been on phone with Aflac every day. Almost 2 months later no payment. Now my hr is on phone with them and they are saying they can't find my claim. In the meantime my kids and I are paying for it.

It's been a few months now of me submitting THE SAME FORMS multiple times to this waste of an insurance company and customer service continues to give me the runaround. Every time you talk to someone in customer service it's like starting all over again. Everyone gives you different information and varying answers connected to your claim and the progress of it (if any at all). Every time they need paperwork from you it has to be faxed. Their customer service reps can, without any issue, receive these documents by email and process them for you- but instead everything needs to be faxed. It's 2025, no one uses a fax anymore. So I have spent close to 65 bucks faxing the same documents to them because they either did not receive it OR something needs to be corrected.

Aflac has been an absolute nightmare to deal with. They refuse to pay, constantly come up with excuses, and every time I call, a different representative claims they can’t find any notes from previous conversations. Do they even keep records, or are they just giving me the runaround? I’ve been waiting for my disability payment since February 12th, and they still haven’t paid me. Meanwhile, my bills are piling up—my phone is shut off, my truck payment is due, my insurance is overdue, and I already lost my storage back in August because I was waiting on a disability payment when I got evicted. Now, I’m not even cleared to go back to work until April. Aflac has done nothing but make a bad situation worse. They market themselves as a safety net, but when you actually need them, they disappear. If you're considering Aflac for disability coverage, do yourself a favor and look elsewhere. They don’t care about their customers, just their bottom line.

I do not recommend Aflac. They will take your money and not help you when you have to use the services you pay on. Never ever again will I recommend or use Aflac. Awful service. Waste of money. Screwed me over big time and I’m in a wheelchair.

Once you are owed more than a couple hundred dollars it's always more papers they need. When they need an ub04 form hospital and you call to get it Aflac says it's the wrong form. When you call the hospital they say we gave you a ub04 form. Don't think anyone at Aflac will help you. They work for Aflac. The agent that sold it to you is independent and can't get anything done. The only thing that is guaranteed is that having the cancer policy and watching someone die will be made worse by trying to get Aflac to pay you. No money is worth the non-sense they put you thru at a very difficult time.

As you read the reviews, I agree that Aflac is a horrible company. I had a hospital indemnity policy with them and daughter went in hospital for 11 days. Aflac originally denied my claim due to not having a detailed, itemized bill. I finally got the itemized bill and sent to them. Week later received a denial telling me I did not send in the required documents. No information on the denial except saying claim denied and they are closing my claim. I see where this is going as others say about this horrible insurance company called aflac. Stay away as I can't speak for others, but for me they asked for itemized bill, I sent it, then a week later I received a denial and closing my claim. No one at this horrible insurance company called aflac will contact you.

They do not pay out for claims. You submit hundreds of pages of documentation and the auditor does not even read the documentation. They pay you whatever they want and you are left fighting for benefits that you have already paid for and are entitled to under your policy. The worst customer service I have ever seen.

I paid over $30,000 dollars into AFLAC over 8 3/4 years for them to deny my claims that the agent told me to submit. Then once the claim was denied the agent tried to turn it around on me.. Keep your money and put it in a bank account... You'll be a lot better off!

I had Aflac short term disability policy for 29 days and needed a hernia surgery due to an injury, this is a procedure normally covered to pay for recovery time off of work with no minimal time you must have coverage prior. Aflac changed the cause to a sickness, not an injury. Therefor they don’t cover any claims for 30 days. I was on day 29. What a dirty company. Prove me wrong.

While they have a grand take on their business model for helping people, they did nothing to help me. One would think that they would email someone, or call someone when payment was not made (especially since I paid faithfully for 37 years). No, they say they mailed my statement and with mail service, sometimes you receive mail sometimes you don't. I didn't. I am terminated. I think they just decided not to mail me anything. So, just to reassign the policy now and with a lapse of coverage, I have to fill out 3 pages of questions.

I am paying extra to have Aflac through my work in order to help me pay all the extra expenses due to cancer. It took a long time to collect all paperwork needed to fax to them, they make the process hard! Now, they are telling me they will not pay for anything! So, I am wasting money paying them for nothing. Any extra expense I have this year due to my cancer... They don't care! Do not waste your money with this company!

Had an accident end of October. Filed a claim with AFLAC in December as bills came in. Still no resolution - claim denied - first denial was reason for admittance. Second denial was confirming dates. They say it was an illness. I say falling out of the bathtub hitting my head and falling to the ground unconscious for five days is not an illness. Customer Service people are nice. I am not allowed to talk directly to claims. They write claims are resolved 4 to 5 days after receiving information only to be told each time it will take a couple of weeks to resolve. Horrible experience. They do not care. Deny everything.

I would never in a million years recommend this company to anyone, I was out of work for one month. Was told I could also apply to TDI in Rhode Island as soon as you get what they pay from TDI send into Aflac so they calculate what the difference. Aflac would be able to pay you, so I did everything I was supposed to, made sure from the case worker claims person that was assigned to me that what they were sending me was correct. I sent all my proper paperwork, then 5 months later they tell me they overpaid me and demand the money back. Even threaten me if not paid will pay court cost. I did nothing wrong, because they screwed up, not me.

Called to get info on pricing for Medigap insurance for Medicare and their “screening representatives” had to transfer me 3 times as they were clueless. First one said I didn’t qualify - huh - I’m over 65.

AFLAC is terrible. Absolutely not worth the money. They pay pitifully little even when you’re significantly injured. The paperwork is burdensome, I’m assuming so you just give up on the paltry benefits, like a fifty cent mail-in rebate. Costs more in a few months than they ever will pay out.

I have used Aflac twice for personal medical leave and now for FMLA leave to care for my mother while she is incapacitated. If given the choice, I would never use them again, however this is the leave benefit company selected by my employer. In my personal leave situation, my case was initially denied with no reason provided. After calling many times and after messaging my 'case manager' many times to please CALL ME - nobody called me back. I didn't speak to my 'case manager' a single time throughout my entire 6 week leave except for a few short texts at the point when I was livid about the situation.

STAY AWAY FROM THIS COMPANY AT ALL COSTS!!! I have Aflac insurance through my work. I had a legitimate claim denied for no reason. I have had 2 therapists, and Aflac still say no. STAY AWAY FROM THIS COMPANY AT ALL COSTS!!! They do not care about you, only denying claims is what they love. They will throw more and more reasons why your claim is denied and the people are useless. My agent was useless. I would give 0 stars if I could. Do not give them your money, they are at a 1.1 for most reviews that insist on giving them a 1 at least. STAY AWAY FROM THIS COMPANY AT ALL COSTS!!!

The customer service is horrible. Calls are re-routed endlessly, no one can help. After being put on hold listening to canned music for hours, the calls are dropped. Absolutely the worst company I have dealt with.

Customer service is beyond horrible. I made a request and it wasn’t followed through properly. They continuously transferred me to various departments and it became a game. They had my banking information and I had requested cancellation and they continued trying to process it. I am not going to pay for a service that I didn’t give authorization for. AFLAC you really need to revamp your entire process and retrain your customer service reps. No customer should have to go through such stress. I do not recommend this company to anyone.

Aflac is the company our job uses for group coverage. They are very slow at processing claims and they are terrible with getting your correct information updated in their system. I have been having issues with them since last August when I tried to update my account information. I have been waiting since November to be paid claims for therapy and when they finally get ready to pay they send it by mail which is the wrong address but they have my direct deposit information and wouldn’t send it to the bank.

The only reason I'm giving Aflac 2 stars is because my claim finally went through. First of all the representatives that answer the phones for them are as knowledgeable as grade school children. I sent over 1000 pieces of paperwork from 3 or 4 different doctors and hospital facilities that Aflac asked for. After 4 to 5 months of giving me the runaround, I decided to contact the Department of Insurance. Once I got them involved everything got completed in 15 days. The moral of this story people is when you are dealing with Insurance Companies get the Department of Insurance in your specific State involved and this should help.

Completely worthless policy. Filed a claim after an accident where I needed surgery. Filed the claim and sent in every form they required. Lo and behold they denied the claim due to there was no accident indicated in forms. For one they NEVER asked for progress notes or any doctor notes, they just wanted billing forms. Do these people get a bonus for every claim they DENY, or do they just run a scam. WORTHLESS COMPANY look for another insurance company because this one is crooked. Got a one star because they would not allow a zero rating.

I would leave 0. Trash company, Trash Policy... Denied for being there 23 hr and 33 minutes vs 24 hours. I fought through their call center but would never be escalated to anyone at the business. I can't emphasize this enough... Complete waste of money.

I have carried AFLAC accident insurance for many years and never made a claim. When I did file a claim, I made a mistake on the dates I listed for the accident. Instead of them notifying me of this issue they just denied the claim. After many phone calls to figure out the problem I resubmitted the claim and still heard nothing. After another series of calls I was told they were looking for a discharge code from the hospital. I submitted all the paperwork I was given and it was very detailed as to the injury, treatment, and cost of service. I have now spent more time on the one claim than the claim would ever pay.

If I could leave no stars, I would. Aflac in fact is completely unprepared to have entered the supplement market. Though we have had Aflac Accident supplement insurance when in the workforce so when looking at supplement policies, our agent suggested Aflac. The website has been a confusing mess. We didn't know it was underwritten by Aetna and would not have proceeded with membership if we had known. Don't know if their ineptitude is due to Aflac or Aetna. You will find nothing but frustration if you want to access online. Explanation of Benefits take forever.

Had Aflac short term disability filed a claim for cognitive heart failure. After weeks in review the claim was denied. Grounds were the policy was in effect for 29 days not 30 as a per existing condition. So other than the money getting taken out of my check was a complete waste. The claim process is terrible as well. I would recommend a stronger more capable provider for disability insurance.

This insurance company is a scam. They need to be reported to the insurance commissioner. Hopefully they will be the subject of a class action lawsuit soon. My agent mislead me into buying the policy, then after I had surgery they kept denying my insurance claim for over 4 months for different reasons (while they continued to collect my premiums). Each time they issued a denial letter for a separate reason that was never mentioned before. The last letter stated the condition was pre-existing, which I told them my medical history before I even bought the policy. This company is a scam. Run... And run fast!!!! I was advised by several friends to go with Colonial instead because they all had horrible experiences w/ Aflac!!

I was a possible new client and had an agent call me when I scheduled an appointment. She was abrupt, not friendly and did not even try to talk to me about what kind of services I was actually looking for. I was really disappointed in how she was. The call took exactly 3 minutes because she obviously did not want to be on the call or try and sell Aflac to me.