Aflac Reviews

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.

DON'T WASTE YOUR MONEY!!! This company is a total scam!!! The only thing they will focus on is getting your payments. IF YOU ARE THINKING OF SIGNING UP FOR THIS SCAM, DON'T. I have this for disability. I received 5 payments. I’m missing the last payment. They want all new forms filled out. They refer to this as a continuing disability. If your doctor extends your time off, you will need to fill out all new forms that include the doctor, your employer, and yourself. It's a constant issue of managing what they are asking for

I have called and canceled Aflac in December 2025. They have continued to EFT my payments 3 months after cancellation. I have called and spoke with multiple customer service reps. I will call again today. I have been a AFLAC customer for years. I cancelled them because I have other insurance. I would not recommend AFLAC to anyone. They told me in December they would see about getting refund, but they still continue to deduct payments from my account. If a sales rep tries to sell you their insurance run for your life. DO NOT SIGN UP- Poor customer service and they rip people off.

Wow, this company sucks, beware of Aflac. I had the dental plan that didn’t pay for anything. My boyfriend has Aflac and they refused to pay and customer service sucks. I don’t recommend them.

We’ve made multiple calls and emails about a claim they approved they won’t pay out. It’s been almost a year. Def not worth paying for coverage. They are scammers. Always asking for the same information over and over saying they need. Worst insurance ever. Don’t get it. Save yourself money and time and frustration.

I am owed 1 month of payment. I have turned in all paperwork from my Dr. They do not give you enough time to send paperwork into them. They closed my case due to not sending a after visit summary and notes from Dr. I believe that goes against the HIPAA law. They have all my info already from Dr. How am I supposed to pay bills! I am telling my employer how disgusted I am with their company.

Our family member passed away and AFLAC made the policy in-active. Now, we cannot access the policy to file claims. When we contacted AFLAC, they requested the Last/Will Testament to verify executorship and we sent it. Then, they requested LWT filed by county. Sent. Now, they are requiring it be probated. No estate = no probate. Doesn't work for AFLAC. Now have to file an affidavit to see if that works. Good insurance as long as the person is alive. If not, horrible insurance. I recommend dropping it like a hot potato if you have it. There are better ones out there. (I hope.)

AFLAC delays your claims without any feedback. They quick to take your insurance premiums but very slow in processing claims. Most of their staff seems to be incompetent or lack the understanding of their own guidelines.

I have had accidental coverage for myself and my children. When I signed up for the plan, I was advised that you just submit an explanation of benefit from the insurance company. Every claim I have made, I have received a response of, 'A statement from the physician giving complete details of how the accident occurred.' Good luck going back to your physician for this. I made 8 attempts at Children's Hospital for such documentation. It appears that Doctors have better things to do than write letters for Aflac. 0/10 recommend implementing this stress into your life!

Purchased critical illness coverage for family, hoping to never have to use it. Wife had a stroke. I've submitted everything they ask for, our Doctor's are at a loss to provide them anything else. They have the critical illness claim form filled out by her doctor. They have admission paperwork, discharge paperwork, paperwork for her operation. They have the itemized billing. They have all the documents and billing from her stay at a rehab facility after the hospital stay for the stroke. There is literally nothing else we can provide them and we've been in "claim hell" for months. Don't subscribe to AFLAC benefits through your employer or otherwise, a complete scam.

I applied for Medicare supplemental insurance months ago (I never had to apply before so I should have been suspicious right then). My agent was Tracey **. I never heard a thing back from them. Called Tracey two weeks ago with no return call! I called today only to be transferred 3 times. Then I was told my application was denied! I now have no supplemental insurance. I could spit nails. Don't even consider AFLAC.

My husband had to have extensive foot surgery and would be out of work for 6 weeks. Been paying for short term disability with an extra buy up, to increase his pay out. It's been 6 weeks and still hadn't received the second buy up checks. They keep saying they are coming. Talked to 3 different "supervisors". We received the regular check BY MAIL. Finally got that direct deposit straight. Seems to me Aflac spends more money on their advertising in TV commercials than their customers. I'd rather put that extra money in savings and handle it ourselves. Would not recommend!

Claim issues all the time. They kept saying they didn't receive the paperwork, even when I had verification the fax was received. Customer service wasn't helpful and rude. I won't ever have this again and would not recommend at all.

Got a letter from Aflac with my address and someone else's name. I contacted the fraud unit of Aflac and they refused to take any information to clear this matter up and told me to disregard the letter. They are aware of the data breach and stolen information on their customers. I am not an Aflac customer and never will be now. It is a Very disorganized company and I was shuffled around before someone told me to go away with my silly complaint or words to that effect. That's what saying dispose of the letter means. I told them I was taking it to the police and filing a complaint for stolen identity. Aflac did have a recording stating they have wrong addresses on some of their clients.

I’ve had AFLAC for two years and I believe it is a big waste of money. First of all, they denied my claims. They don’t take claims for hernias, even if they rupture! 2nd of all, I received a letter about a security breach and they supposedly offered me 2 years of security protection but after signing up, the account I set up was closed as fraudulent!??? Now I can’t even get what’s coming to me! If anything’s a scam, it’s AFLAC!

Be watchful when continuing policies. I've signed up to continue my policies (outside my employer) and set up auto payment. They neglect to take the payment and then cancel your policies RIGHT WHEN YOU NEED THEM!

When you've been dealing with them for a long time and then when the doctor does not have a return to work date and then they hold your claim up at first they give you a part of a claim for a small amount. I've been so upset with all of this bill's late stuff and threat of getting cut off when you're honest it don't pay in this situation because they don't believe you. They just sit back and just wait for stuff to come holding everybody up. It's like a punishment. I guarantee I'm going to save my money and I'm going to get out of all of it. Hartford they don't do that. Hartford does not do this.

I am so exhausted dealing with this company. After submitting the paperwork they request, they now request more. Some of the request are absolutely ridiculous. I feel they do everything they can to not pay, or to tire you out so you give up and don’t bother anymore.

Aflac could care less what happens to their members. Their main goal is to get out of paying their claims! They say, “we sent the document to your physician”! The physicians response is, “we didn’t receive the document”! So in the mean time…the patient/member is struggling to pay bills and being stressed out in the time that they should be recovering! Aflac….what a joke! It’s all a scam to get your money!

If I could give no stars I would. I was told when I called on November 25th 2025 that the monthly payment would NOT be taken out until December 4th. I was assured of that, as I told her the money wouldn’t be available until December 4th. Well of course it was taken out of my account on November 25th which then caused an overdraft fee that they will not reimburse me for. These phone calls are taped and I asked them to please pull that call and listen to the agent assure me that the money would not be taken out until December 4th. I received a letter, today, 12/29/25 stating they are not responsible for the overdraft fee. They just took out again for the premium, so I called and canceled the policy, and will not get reimbursed for that either! Check your options people, they tell you one thing and do another! If you are looking for a secondary insurance PLEASE DO NOT CHOOSE AFLAC!!

I had a accident policy with Aflac one day. I had got dizzy and fell off of the ladder and I went to the hospital to get checked out then I had filled a claim with Aflac. They had defined my claim because they said it was a medical problem I had. Who are them to determine if I got a medical problem. It was still a accident because I had fell off of a ladder. That is discrimination. Aflac states that if you fall off a ladder that is a claim but when I had got dizzy and fell off of the ladder that's a medical problem and it is not a claim then when I had filed the claim they had went up on my policy payments. Shame on them.

I had a total replacement on my knee. These claim auditors dismissed my claim 2 times, claiming they already paid me. Ok, so I was told to resubmit the date, which we all did. Even emailed the information. Every time it was time for me to end my call, I would ask is everything good. Their answers are "Yes, looks good to me." They are last minute or the claims department wouldn’t even look at. The first time I was denied it was on the day of the review date (last minute). Today I was denied it a Sat (last minute.) There is no one you can contact until Monday morning. Also, Aflac, please stop saying that you all will contact me if you needed to gather and information (That’s a Lie). If it wasn’t for me calling I wouldn’t know that anything needed to be uploaded. Aflac needs to do better. A lot of people rely on this company and are being denied. Highly Disappointed.

Filled a claim due to MV accident on 10/29/2025. Mailed in all paperwork. I actually stapled Drs, Work and personal paperwork all together. When I called to check claim, I was told they only recieved Drs.....How is that possible it was all together. I however sent work and personal again. When I called to check again, I was told they didn't have my signature which again was bull. So I sent it again. I called on 12/9/25....they said it was set for review on 12/22/25. I called at 3pm on 12/22/25 they said I needed to give it till the end of the day. So I called this morning 12/23/25 at 11am. Now I'm being told the review is not until 12/31/25. To try and call back on 1/2/26. Being jerked around terribly. I since contacted a lawyer and the Better Business Bureau and filed a complaint. I wouldn't wish Aflac on my enemies. Meanwhile I'm 10 weeks without a paycheck raising a 5yr old 2 days before Christmas with nothing!!!

Paid into the accident insurance for a year. My wife broke her wrist, so we submitted a claim that would have been covered. They give you the run around, they won’t let you provide the documents. The customer service in India won’t help or call the doctor's office to confirm and after 4 months of trying not to pay they just denied the claim. Aflac is a total scam. Stay away.

They are worst in the business. I was diagnosed with cancer and they didn’t pay. Don’t waste your money. They never paid a dime on my claim. Their customer service is terrible. If you have cancer be prepared they won’t pay.

I have had Aflac for 3 years and not once have I received a payment check from them. I have submitted 4 claims and they always deny it for some reason. The process of submitting, reviewing and getting an answer from them is extremely slow. The second to last claim I made, I had to keep calling every week to find out a status, as they do not post it on the website. Why not if I submitted the claim online? The last claim has been the most frustrating of them all as they made account inactive due a glitch of theirs (supposedly they are switching systems), so they lost my account.