Aflac Reviews

All a scam! Please don't waste your time and money with this terrible company. They will run you in circles and then tell you how much they appreciate you and your business. You will get no reimbursement.

I have paid for many years into Aflac. Turns out they only pay benefits once a policy year, since I had a colonoscopy and a physical done within this policy year, they denied my claim. I canceled the policy.

Don’t waste your money. They won’t pay out for service get done. They won’t send you a card. And when you cancel service they still they still take money out your bank account. They don’t even deserve a one star.

Filing a simple request for them that should have only taken a couple days ended up taking two weeks. They have no idea how to do their job properly and they take forever to go through your paperwork and they're online services don't work properly if at all then they end up transferring you to one person and then to another person so then you're dealing with anywhere between 5 to 30 people trying to deal with one problem, just to go back to square one.

As an executor for my girlfriend's estate, I filed a posthumous claim for on her behalf for her cancer policy that she had in effect for almost 30 years. She originally obtained the policy through an employer and maintained it as an individual over the years. She was diagnosed with lung cancer, but before any treatments or further testing could be done, she entered hospice and passed away. Both the cancer centers' initial report and the death certificate both list lung cancer, but Aflac denied the policy.

If I could leave 0 stars I would... I don't know that I've ever seen a more joke of a company. I've requested MONTHS ago after resigning from my business to stop this, yet month after month I'm being charged. JOKE. DO NOT USE THEM!!! Other employees of mine when I was still there have been being charged over a year without the ability to cancel or refund. I can't believe this company is still alive with service like this.

I have Aflac since 2018, I recently had a full knee replacement and they paid me $100.00. What a joke, they say they pay cash to cover out of pocket expenses. $100.00 wouldn't even cover one trip to the grocery store.

I am so disappointed, no one ever seems to know what do. Each time I speak with someone I am told some different, save your money and going with another company! Even my personal representative didn’t know what to do or how to help!

I have had nothing but problems with Aflac. I had an accident where I lost part of my thumb over the course of 4 surgeries, and with that claim they paid very little for my incident. After arguing about it they reopened it and found money that was still owed to me. After almost a year after that I had another accident where the skin was ripped open on the same thumb. I couldn't afford to miss work so I held off on going to the doctor until I couldn't bear the pain anymore with my bone exposed. When I did go to the doctor I had to have another surgery, where I lost more of my thumb. Since I didn't go to the doctor within 7 days they denied me. It was still an accident so I should still be covered. They have lost me forever.

I have had Aflac since 2022. I would submit all my claims online and never had any issues up until recently. The majority of my claims didn't need documentation and I was paid fairly quickly. However, they decided that they now want documentation from 2023 to now and informed me if this through their Special Investigations Unit. Somehow, they think some are fraudulent. How are you going to process a claim, then years later ask for documentation after? If claims were doing its job, they would have verified and/or denied payment before paying out a claim they think is fraudulent. It's been a nightmare to pull my records for them and they are impatient. They are so eager to recoup money for claims that are valid. As soon as I'm done dealing with their SIU, I'm canceling all my policies.

Aflac has the worst customer service in the industry. My banking information was compromised. I did not realize my bill was not paid due to different bank account numbers. Aflac terminated my account. When I called up customer service a woman told me to send in a form along with the amount due and my account would be reinstated. I sent in the checks and forms. About two weeks later I received my checks back. When I called up the customer service number the woman would not let me explain what had happened. She talked over me and was very condescending. Just plain nasty. The company refused to reinstate me. This company sucks. Not worth it. The Duck sucks!

If we could give ZERO starts, we would. Customer service was awful. No one has been able to help us. My husband has been out of work for almost 4 months and nothing. Every time we call to get an update they ask for more paperwork from the doctor. I mean, come on.... Let us know everything that is needed upfront. Stop giving us excuses that more paperwork is needed. It's always something different. Give out a list and stop adding more and more every time we call. My husband is on the phone as we speak and they are asking for even more. This is ridiculous. DO NOT GET AFLAC. BE WARNED!!!!

I took out cancer, accident, specified event, hospital indemnity, and short term disability in February of 2025. I had two deep brain strokes and was taking out of work June 26, 2025. I was supposed to collect $5000 a month while out of work. Now I've Ben out of work going on. 6 weeks, and just spent 6 days in the hospital. Every time I send them what they ask for they say ok that’s all we need and then the next day it’s something new! Now they want the ER records of when I was in the hospital ER a month before I had my issues. Do not waste your money for this insurance!! They will take your money and give you a runaround and never pay your claims.

I’ve had a temporary disability policy for 20+ years. I had knee surgery and can’t work. They denied my claim. I would definitely recommend not wasting your money with them. Customer service is rude and has an attitude of “I’m right and you're wrong and there’s nothing you can do about it.”

My father died last year. I found his Aflac agent and filed a claim with her this year. The check was issued quickly but incorrectly and should have been issued "to the estate of" instead of directly to him. I have provided with the agent all of the information she needed but she's ghosted me and not replied since May. I resorted to calling the customer service line and provided another copy of the information and still no reissued check. A month later, I reached out again and now the rep told me they don't have the legal paperwork to contact me. I waited for a supervisor a half hour only to be told to resend the paperwork again. So I faxed and emailed it, but I have no hope it will actually get where it needs to go.

I wish I could give them negative stars. I have been dealing with them for months. I was in the hospital from April 22, 2025 through May 9, 2025. I had been paying for Aflac for years. I gave them all the paperwork showing I was in the hospital. I sent them detailed itemized forms of my hospital stay. But yet they keep giving me the runaround. Now they want a special form that only the hospital can provide. The hospital said they don’t use that form. AFLAC is doing everything they can to not pay for my hospital stay. This is a scam. A class action lawsuit should be done against AFLAC.

I'm an Aflac customer, never thought I'd have to use it. The one time I had an accident & filed a claim, they denied me. They took a while to respond, while they responded I was still in treatment. They falsified the claim date, even though all the doctors notes, evidence, & everything else show the date of record. I had numerous treatments, MRI, & just had knee surgery yesterday (7/24/25). Aflac covered ZERO, but still draft my bank account monthly to pay themselves for my accidental & critical illness policy. I do not recommend anyone use Aflac.

I thought I had a great cancer policy. Just now found out it had been updated twice since I bought it and no call or contact from agent. Some of the preventative items would be covered if my agent had kept up with my policy. I'm moving to Mutual of Omaha.

Paid for cancer coverage for 14 years as a State Employee. Submitted (1) claim for cancer radiation treatments. Denied, have yet to figure out the reason. The communication is not there. I had to look on their website just to see I was denied. They want you to call to find out why; save yourself the run around… Never sent any emails, mail, nothing to advise me of requiring any other paperwork for the claim, etc. Should have been a no brainer since I had Aflac cancer coverage, lol. Don’t waste your money! If you have a good health insurance, they pay for everything in the end and you’re covered. Like the others stated, it’s a run around for any answers and the customer service is not there!

Something that was supposed to be easy to use. It’s absolutely horrible and requires a whole lot of time chasing down information. They want to make a claim then you call customer service and you get the runaround. It’s not worth the amount of money they charge. I wish I checked reviews first.

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.

I paid $47 a month for many years to protect against a major illness commng up. I had a serious heart condition develop (Cardio Myopithy) and had major surgery to prevent stroke or death. They kept requesting more and more paperwork and then rejected my claim. AFLAC said it was not on their very short list of things they pay for and did not give me a dime. I was off work for 7 weeks. My company disability paid without question but AFLAC paid nothing. I DO NOT RECOMMEND AFLAC. READ THE SHORT LIST OF WHAT THEY COVER. I wasted $6000 on this junk coverage.

I was denied twice for my disability claim because after I took early retirement 5 years ago I still work part time. Paid my Aflac bill every month and had been a customer for over 30 years. Was told since I don’t work full time I’m not eligible. I had surgery in November and still recovering and am on light duty with limited hours I can work. This has caused a hardship for me. After the second denial I immediately cancelled both disability and cancer policies. They had the nerve to send me letters asking me to continue being a customer. WHY SO YOU CAN GET MORE MONEY FROM ME? BUYER BEWARE I WOULD NEVER RECOMMEND AFLAC. I PAID ALMOST $90 A MONTH FOR OVER 35 YEARS. THEY GOT ENOUGH OUT OF ME.

I have been out since 2/24/25. AFLAC paid me to a certain date as expected and then I submitted continuing disability paperwork. Each I call to see what that delay in payment the first response is they cannot see employeer signature, next phone call they found it, my claim was escalated. Next I received a call from escalation team that the paperwork needs to be amended because it was submitted and signed before 4/20 for a continuation. It has to be done after 4/20. I have had policies with them for over 30 years and they certainly do not have problems with obtaining my monthly premiums. However now I have to resubmit all the paperwork and wait for weeks or who knows when to be paid. Totally shameful.

Horrible customer service. Whenever I call them about something they try to rush me off the phone and they can never fully answer my questions to my satisfaction. Also, I put in a wellness claim via the app and it's supposed to show the status within 48 hours. It doesn't. When I called to ask about the status I was told it was supposed to be reviewed by today but she couldn't answer why the status wasn't showing up on my account. They have also have screwed up the billing as well and can't seem to get that straightened out. There's always something with them. They used to be such a great company back in the day. Now the reps just read out canned responses and try to get you off the phone as soon as possible. It's a shame.

Aflac is the absolute worst to deal with when filing a claim. I could easily ramble on about how poorly they deal with claims and overall customer care, but looking over these other reviews, I don't feel the need to. For how large a company it is, It is appalling how unorganized and unprofessional they are as a whole. If my employer offered another company for me to choose from, I absolutely would go elsewhere. I am grateful for the financial assistance, but for the monthly premiums, I do think there should be impeccable service, which Aflac lacks incredibly, every time.