Aflac Reviews

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.

Aflac is a joke. I was told that I'd be paid 60% of my wages for my short-term disability claim when I was out for surgery and they modified it and made it to an unpaid claim after making me jump through a bunch of hoops, postponing it, dragging their feet and not getting stuff done. This place is nothing but a joke. They're liars, and they fraud people. I wouldn't recommend this company to anybody. Even if I was on my deathbed, stay away from this company. They rip you off and screw you over, period.

Wish I read the reviews before I wasted my money on them. I’ve had Aflac for years and when I recently had to have a hip replacement they denied my claim for short term disability. They strung me along asking for more info. I would send it and they would deny saying I never sent it. They would ask for several different things then denying it. Saying it was a pre existing cond. I challenged their denial and was only told again that it was. I decided to stop wasting my money. I will NEVER recommend them to anyone. Looks like I was one of the many of denial of claims and also an agent that would not communicate with me.

Aflac’s cancer policy has been one of the most frustrating and disappointing experiences I’ve ever had with an insurance company. When I signed up, it was sold as a safety net during one of the hardest times in a person’s life. In reality, it has been the exact opposite. The claims process is unnecessarily complicated, slow, and filled with red tape. At a time when people are already dealing with the emotional and physical toll of cancer, Aflac adds even more stress by making you fight for benefits you’ve been paying for.

I’ve been a customer for about 25 years. This march I had an injury that required surgery and my last day of work was 3/6/26 and I had my surgery 4/6/26. I filed a claim on the 12 yo of march and apparently there was a discrepancy between my employer's paperwork and the surgeon's but they would not call and tell me so I had to make dozens of calls to get it rectified. I called up every day and now they tell me that my employer forgot to fill out something instead of telling me on one of my many calls. Now I have to refill everything again and make sure I dot my i's and cross my t's. I swear they are doing g everything they can not to pay out (I pay monthly out of my pocket). They are hoping I get so frustrated that I give up but I won’t give up!!! Now they won’t let me post this review.

I would NOT recommend getting AFLAC, find another company. They say you get your money within days, that has NEVER been the case. They constantly say they didn't receive your documents, but it's showing on their website that they did receive it all. They will call "the back office" and let them know the documents are there. It's taken over 30 days to receive claim money. That's with multiple phone calls, showing they DO INDEED have to correct information. Find another company and save yourself a lot of stress...Doing their job!!!

I have had Aflac for years through my employer. During these years I never had to submit a claim. However last year I had a critical care diagnosis which required surgery and a hospital stay. Our plan cover hospital, accident and critical illness diagnosis. I was paid a total of $200 for the hospital stay and was denied a claim for the critical illness without an explanation. I was informed that I would receive a letter notification for the explanation of my denial. Once again I never received a letter with an explanation. Mind you it took over two months for a finding before I heard anything. Having this Aflac coverage is a complete waste of time and money.

My mom worked for Aflac for 10+ years and we have been treated so poorly by their customer service team and the communication and follow through is the worst I’ve ever experienced. She passed and they have done nothing to make this process even remotely bearable.

I have subscribed to Aflac for over 20 years ($120 + per month) and for my employees. I just had a claim, for the first time, for two (2) nights for an Aneurysm. Sent ALL doctor's information, surgery and hospital billings. Aflac would owe me all of $500+/- for this $250,000 medical bill and 20 plus year of $120/mo ($28,000 + in premiums paid). Aflac rejected my claim until I proved this was not a "pre-existing" health problem!!! Really how the devil do you prove you did not have a health issue 20+ years ago!! One More Insurance company that is selling nothing but taking your money!

They used to be really great about 15 years ago. Now, they communicate horribly, I’m still waiting on a claim for surgery that I filed over a month ago. One day pay is a lie..I no longer recommend to my coworkers. I have cancer policy and was diagnosed for 2 different types between 3 years. Found out I could only receive benefits for the first diagnosis. No benefit for the second diagnosis. They suck!

I’ve been a customer with Aflac for 35 years. They’ve always been great at paying out claims, no problems but the last three years, they have gotten very difficult, denying every claim attorney in their becoming just like a car house insurance, not wanting to pay their claims out. Custard customer service, she was in such a hurry when I was trying to talk to her, not polite, not happy with Aflac anymore.

I called and wanted life insurance. They gave me 3 different policies they wanted me to have when all I wanted was life insurance. They did an investigation into the matter and it took 3 months for them to tell me it's my fault and I don't get a refund for their mistake. So I ask for the transcripts of our conversation and she said no...so I'm out of over $1000 on a policies I didn't want. Plus my agent never called me in the year and a half I was with them. I will never use these crooks again.

I had an AFLAC disability policy. I would highly not recommend that anyone get this policy. When you are out on leave, you have to get three forms filled out in order for them to start payment. The three forms come from your supervisor, yourself, and your doctor. I was not able to get the form signed by my supervisor. She refused to sign out of retaliation.

My representative is timely in response and detailed when claims need to be filed. Claims process is simple and can be done right from my app. Thank you AFLAC!

I've had AFLAC for many years and now that I reached age 70 my benefits are reduced extremely. 3 days billed ICU. AFLAC paid 400 dollars total. BENEFITS ARE REDUCED BY 1/2 AFTER AGE 70. All benefits will be reduced by one-half for ICU confinements which start on or after the policy anniversary date following the 70th birthday. Beware of this AFLAC representatives. Don't answer any questions and don't return calls for questions.

Andy **, the benefit counselor for our company, was blatantly unprofessional and inappropriate. After finishing with my coworker who is already enrolled, I am not, he turned to me and delivered a noticeably watered-down, disengaged version of his presentation, as if my time wasn’t worth the same effort. That alone was off-putting, but it only got worse. While explaining hospitalization benefits using car accidents as an example, he opened with: “Kids like you are on their phones a lot these days—”. I immediately cut him off. That statement was not only condescending, but completely inappropriate. Referring to me as a “kid” was disrespectful, and the assumption that I’d be a distracted driver was baseless and insulting.

I've had AFLAC since I began teaching 34 years ago. After I retired, I decided to continue with insurance for: Dental, Cancer, Critical Illness, and Accident. I had an accident in Dec and again in January and it's been nothing but "we need more information submitted." There has been no payout... shockingly. It's "Submit" this or that. As of today, I'm officially DONE with AFLAC and will move on to a better insurance company!

Aflac is horrible about letting you cancel your service. We have called and mailed about canceling service multiple times and the address we were given was wrong, and phone calls never get us anywhere. We have had to go through the process repeatedly over 3 months because they keep charging us nearly $300 each month and we still haven't been able to cancel. The system is broken and we are out nearly $900 that I doubt we'll ever get refunded by them. Do not use.

Customer service is horrible. They do not know how to submit forms. Delays payment and payment of bills. They say, "Get your paperwork in to prevent delay in payment" and the employees are the ones who delay payment. Faxed and they say they never received. My provider was getting upset due to they was even faxing. Emailed and they got the papers. Called back and hear the rep. Did not submit the papers correctly and this happened to me x2. Aflac I am disappointed in this company.

SCAM, they do everything possible to deny a claim payout. This includes being denied for not listing procedures in the tiny space they provide and attaching a detailed spread sheet with all information required. No professional business ethics or common sense. Bonus must be paid out by how many claims they can deny. Why is there not a class action suit against this company?

Horrible, horrible, horrible company! I canceled my policy and they charge my bank account anyway. I do not recommend these people at all. Go with MetLife!! First a data breach and now they're charging people for accounts that have been closed!

Doesn’t care about their long time customers… I have been an Aflac customer for over 30 years. Aflac, I’ve been waiting for payment on a claim since November. We have called numerous times and every time the person says I will expedite this to our special cancer claims adjusters or whatever they’re called. B.S. Here it is March 6th and still nothing. I have paid my premiums for over 30 years and this is the way I get treated? I don’t think so. Now it’s your turn to pay me what I have paid for all these years and deserve. PAY UP!!! We have provided everything we’ve been asked to so it’s time for you to do you part. Do your job. I am tired of waiting. If I could give zero stars I would. Come AFLAC. Do the right thing!

I have been a policy holder with AFLAC since 2019. I would never recommend them to anyone. I haven’t been denied for my claim however my claim was approved in the 19th of Feb 2026 and still haven’t been paid. I have gone thru 2 escalations with them and it’s always the same bull crap! They have 5-7 business days to respond then I have to call them back so we can escalate it to the supervisor. The. Once again they have 5-7 business days to respond and on day 6 I can call back to start the same process again. It doesn’t matter to them that I have no income and no money left after my procedure. The ads they show how caring they are of course are a farce as they aren’t. What’s the point in having your claim settled quick when the payout process is long drawn out.

My wife and I had AFLAC for years, other than annual checkups, we never filed any claims. Then my wife fell while carrying groceries. Everything hurt, but for the most part nothing major seemed wrong. Unfortunately; her shoulder never seemed to get better. After going to her Dr., it was discovered that she had rotator cuff issues. Several Dr. visits, a prolonged rehab, weeks of missed work and one surgery later, it was finally repaired. Because we didn't rush to the emergency room within 72 hours, AFLAC paid nothing for the injury or the lost time. Nothing! To this day we have never found any communication from AFLAC that clearly stated that you only have 72 hours to report an accident or injury. This was a borderline criminal act. Certainly a failure to follow their own credo from their ads. Never, ever do business with these hucksters.