Aflac Reviews

Holy moly is this company a walking disaster. From so called customer service and Agents. Not at all an easy process when customer file a claim. They reject the paperwork and forget faxing. Close down.

I recently completed my cancer treatment as of August 31, 2025. I submitted paperwork for the yearly $300 benefit for not having cancer. Aflac refuses to pay. They denied me because they claim they paid it. But, how could they when I just finished treatment and just completed the paperwork? I submitted the paperwork twice on December 3, 4 and 5. I called twice on December 5, and the representatives could not tell me when they paid $300. They could not find it because they did not pay it.

You can't cancel unless you are in the enrollment period, which I understand is part of the business model, but in order to cancel in the future I have to download a form (that they can email to me) and then sign it, and FAX it back. clearly an attempt to stop people from canceling in advance. Very inconvenient.

Horrible experience! The payments are not a smooth transaction. My leave was 8 weeks. I waited my two week waiting period and then received a partial payment (as if the 60% of my check was a lot to begin with) then I received two more payments and a partial payment again. They only approve payments until your follow up date with your doctor. After that, they wait for doctor's follow up notes. My doctor appointment was on the 12th…my doctor sent the paperwork on the 21st. As of the 3rd of the following month I still had not received payment or even an update on my case. I didn’t even get a return email from my case manager. I don’t recommend Aflac. My company switched to Aflac, Unum was wayyyyyyyy better!

If you have a procedure or in my case a couple of procedures, and are half dead and cannot get around to get paperwork required you are screwed. Oh well not your money. They do not have to pay out. I gave them Dr. document of the day of surgery and the 7 days in hospital and sent in Dr. note stating when I was coming back to work and me employee did as well. I was out of work for 5 weeks and nothing.

I have an accident policy with Aflac and tried to submit a claim accident claim and it has been going on for over seven months. Every time I call Aflac they say the hospital did not give them the information they needed when I have a accident policy with Aflac and tried to submit a claim accident claim and it has been going on for over seven months. Every time I call Aflac they say the hospital did not give them the information they needed when I called the hospital. It’s the same response saying that they didn’t receive anything from Aflac. Got a hold of someone from McLaren who is the head of medical records and they personally called Aflac and Aflac still says they didn’t receive the information poor business for sure I would never do business with Aflac again I’m gonna be canceling my policy.

Aflac is a complete and utter scam! I purchased a cancer, critical illness and accident policy with them this year. I had the unfortunate incident of having to file a cancer claim. What they put me through was nothing short of total incompetence!! Everytime I spoke to a customer service rep to follow up on my claim, I received conflicting information. One rep would tell me they can see that I've submitted everything. Another rep would tell me my documents were insufficient.

I had an acute renal failure (12 hours from dying!!) They have been running me through hell!! I have sent everything and then some!! Aflac SUCKS!!! Aflac refuses to pass my claim. They're a SCAM!! YOU SHOULD BE ASHAMED!!!!

The chat and claims review time for Aflac is unacceptable. Every time I try to use their chat service, there are no care specialists available to chat. I have tried this every day for several weeks. Same response. I know I can call but when I am working and chatting is easier an option, then I would prefer to chat. If this isn't available, then they should remove the option from their website. The claims process has been way longer than the expected given timeframe and I have been trying to communicate. Timeframe given is 4-6 days. I submitted a missing document on 11/11/25 and still in "review" process. This was the only missing document per the care specialist I spoke to on the phone.

I've been with Aflac about 8 months, and writing this review in earnest about my experience when filing a critical illness claim. I was diagnosed with prostate cancer and submitted a claim. The claim went into review for months and they kept asking for the same medical records over and over, even after I signed a release for them to receive records directly from doctor's office. The customer service is in a foreign country (by design). They proceeded to request documents again.

We have been paying for Aflac supplemental cancer insurance policy for over 20 years. We unfortunately had to file a claim this year and it was denied based on the fact that the pathology report did not meet their standards. We have been in contact with them for over 2-months trying to rectify the situation to no avail. I truly believe the reason for the denial is that we purchased this policy when we were very young and at a very low premium and they have denied understanding that they will never recoup their losses. We will begin the process of contacting the state insurance commission to file a complaint and see what that may do for our case. Absolutely abysmal. Don't waste your money or your time.

So three agents show up to my work to sign me up for supplemental insurance, I said no. They sign me up anyway. This is my lunchtime. All I want is nothing. They sign me up and I spend the next forever trying to cancel whatever they signed me up for. I called customer service. I respond to emails. No one can help me cancel. Worse service I can think of, I don't even have a claim and they can't help with basics.

Don't get fooled. Aflac is a scam. They make it so difficult to get a claim. Agents are useless. No communication. Had them for 10 years and got treated like trash. Read other reviews!! Invest your money instead.

Customer service gave me incorrect information resulting in claims denial. 2 different people told me the wrong thing. Super unfair! A company should stand behind information given. Still hoping to resolve the issue.

I have been paying into Aflac for over 18 years. My first claim, they denied even as my Aflac representative even tried to help 3 times and said they should pay! What a rip off! I had a knee injury and tore my ACL and my Aflac representative called me and said I need to file a claim. I sent in MRI and all the doctors' notes and the physical therapy statements and they denied it all. I had accidentally coverage plus several more coverages and nothing was accepted!

This company is a rip off. I have been paying into them for over a year. This is the 2nd claim I filed with them. The 1st one was denied. Now the 2nd one keeps getting put back cause of nonsense reasons. I've submitted all paperwork at least 5 times and still nothing. No wonder they recorded a 3 billion dollar profit last year cause they don't pay out even when we pay so much money to them. Amfh don't do business with this company. It's a rip off.

AFLAC customer service is lacking and processing time is ridiculous. I used to get paid faster before the app or online services. It's taking longer to process than when I used to fax in my claim and get a physical check in the mail. I keep getting BS excuses. I reached out to my adjuster, and the BS was the same.

I'm not able to give a 0 star!! Most worthless program ever. My husband pays for this shit but can't get reimbursement from almost 2 yrs. Keep jumping through the hoops but still nothing.. Not one of our providers will even accept this. Have to send everything in. Took over a year for Dr. Now it's going on 2 yrs for Dental. Stay away at all costs.

I filed for a benefit and the excuses I got was it is a new policy which it wasn't. I switch jobs so I had to get a policy under them although I had Aflac for years with my former employer. I was admitted to the hospital. Gave all my paperwork. And they kept asking for the same paperwork. Sent over 70 pages but they kept saying they didn't have it. The complication from the surgery isn't an illness or preexisting illness. They refused and then denied after a month. Stating send more information.

Had accident insurance, submitted a claim, they said I couldn’t prove there was an accident. Like I should have filmed myself exercising. Doctor's exam wasn’t enough. I have photos of redness and bruising, and a doctor's notes about the physical exam. Thieves!

My husband and I have had the cancer insurance for approx 25 years and took into retirement. We have yet to receive 1 cent from policy since July. They keep asking for pathology report that has been sent by myself, primary, oncologist, and pulmonologist. Shame on you for hindering the people you have been paid to help.

Customer service is extremely rude. They went so far as to tell me that if I didn’t know all the information they needed that I was immature. I would never recommend this company to anyone. I hope there is better alternatives.

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.

My rep Tivon ** is so helpful and knowledgeable about your services and coverage. I can call him anytime and ask him anything and he gets me an answer. I live in Delaware County PA where health coverage and service are severely affected. I filed a claim and received a check within two weeks with no issues. So easy how refreshing. I'm very happy with my policy and will get others in the future. Thank you Tivon ** and AFLAC!

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.

Honestly I think we should file the people vs AFLAC and demand Aflac give us the money we pay monthly plus the money that they should have paid while we submitted a claim and was denied. It’s about time we get our money back.

This is the worst false insurance that has ever existed. They find any and every way to deny what you are rightfully owed. They say they cover everything but guess what they don't do, pay for the problems happening.

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!

First of all, I think it is a very good idea on the front end to read the policy carefully and be aware of what Aflac pays for and what it does not because it is rather expensive! The claims that I have qualified for have been paid promptly. Have your bills ready to submit in PDF format. Submitting the claims online proved to be difficult both times I have tried. I probably made the process more confusing because I submitted claims for treatment halfway through and then had to submit the other half. Both times I tried the online chat feature which appeared to be just an automated feature - very frustrating. And both times I had to call customer service - each time I spoke with a very helpful, very patient (!!) young woman who stepped me through the process. I wish I had gotten her name and found a way to reward her - I think it was the same person each time in the Cancer Claim section.

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.

I had the privilege of working with Matthew ** during a challenging time, and his professionalism, knowledge, and empathy left a lasting impression. As an associate at AFLAC, Matthew went above and beyond to help me navigate and unravel my deceased father’s policies. He demonstrated exceptional attention to detail and took the time to ensure I understood each step of the process.

I'm so surprised there are so many bad reviews for AFLAC. I have found them so fast and fair! They have a super easy website to submit claims and their turnaround time is extremely fast! I have been using them for years and very happy with them! My rep., Ed **, is also always incredibly responsive and sweet!

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.

Aflac came to the company I work for and after listening and asking questions to representative Maximo **, I decided to get the accident, hospitalization and cancer coverages for my husband and me. I recently had a surgery where I had to be home for three weeks. My company covered these weeks, but I could also obtain extra money from those coverages I paid for.

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.

I have had my cancer policy for 30 years. Having been diagnosed with cancer twice in the last 10 years I thank God I had this policy. I have always had a great experience with Aflac and never an issue when filing a claim. I highly recommend them as we never know when the unexpected happens.

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.

Aflac is a scam! I had surgery with a new diagnosis, out of work for six weeks and all they paid was $125! The hospital coverage is not what they promise! And the new claim process is very confusing. I will never use Aflac again! R

July 30th, called to find out how to cancel the policy - instructed to edit invoice "Terminate Employee" which was completed 7/31/2024. Billed again, Aug 29th called in, instructed to send in "Cancellation Letter". Fax # given - no answer. Mailed letter via USPS complete. Billed again, Oct 1st called in again. Shared story, instructed to email "Cancellation Letter". I remained on phone w/ Sr. Cust Care Spec to confirm she received "Cancellation Letter" complete. Oct 31st received notification that account lapsed due to non-payment. Aflac shows that the employee was terminated 07/31/2024 and yet continues to bill. Thankfully I removed their access to our bank account. Buyer beware.

I am writing this review in hope of getting the attention of Aflac. I have had minor issues in the past but nothing worth making public. This month I am multiple phone calls in to getting them to send an approved wellness claim check. The customer service is outrageous - 3 phone calls and 3 different answers that all have to do with 'wait a few more days'. Each time that I have called, they have given me a different number of business days that I need to wait before being 'allowed' to call again. (This morning I was told 21 business days and the date of the claim is different than what they said previously so.... just keep waiting is essentially the answer.) The information given by customer service also does not match the information on the website.

A total scam. Aflac does not pay what the policy says it will pay no matter how many hoops you have jumped for them. I have submitted multiple requested documents and still didn’t receive proper payment. They just continue to ask for something else. I’ve turned in itemized bill & UB04 & whatever else they’ve asked for. I don’t think it should be my job to go to hospital & get correct codes. I received a little over 10% of what I was supposed to receive. Customer Service must receive bonuses for giving you the run around. They tell you the case is closed but you can still submit paperwork but NO ONE ever follow up.

I was diagnosed with severe osteoarthritis and decided to go ahead to get a total knee replacement due to the pain and discomfort. All other treatments had failed. Aflac wouldn’t cover my STD because it was a preexisting condition. To that I would say of course it is, osteoarthritis is a chronic long term condition. I would have had to get insurance when I was a teenager to cover the STD. They’re not medical and have extremely poor communication. They have a whole website and rely on paper mail only. No updates, just denial letters. I would never use this company again for their ignorance and poor customer support.

Scam. Been 1.5 years since my 3yr old's accident. Still no payout. They require hospital documents that the hospitals don’t do and won’t just accept the hospital's itemized bill, I’ve asked for help and begged and pleaded for representatives to call me back. This company is a scam. They were not there when my daughter and I needed them. They still aren't. She suffered a hypoxia brain injury from drowning and spent months in the hospital. Really not okay Aflac.

I was diagnosed in June with myelofibrosis but it was denied since it doesn't say "cancer", which when you google myelofibrosis it states that it is a "rare form of blood cancer". Furthermore, I cannot get ANY information from their website. It doesn't state if claim is being worked on, if more information is needed, etc. You are supposed to have a hyperlink to access your benefit information in form of a downloadable PDF. It does not exist, they have to mail - not email, my information about my own plan! Just ridiculous.

So husband breaks leg 8-4-2024. Surgery 8-13-2024. I started filing claims. Then it came to UB40 form. I uploaded it 7 different time. Numerous calls talked to 2 supposedly supervisors. Was told they would personally take over this case. It is his disability policy. Every damn time it is a different excuse…. "Why yes we have the ub40 but it came from you… It needs to come from Dr office." We even did a three way call with Aflac Kim **, my doctor's office coordinator Myra and my self… Kym assured us that Myra sent all the paperwork we needed. That was 3 weeks ago. Now I’m being told the ub40 has to come from the dr office not me personally. What the hell.

Aflac has a very confusing process to gain to access short - or long-term disability. Decisions on eligibility are made arbitrarily. I wasted my time and money contributing to benefits at my place of employment. Initially, I was approved, then denied, all within a span of a few weeks during my illness. Customer service waxed and waned. Overall, I think they are a scam company, and I will never pay for this benefit, again.

I've been with Aflac since 2008. We adopted our granddaughter in 2021. I've been trying to add her since then. The local Aflac office has submitted this paperwork multiple times. I get the mail and then get the same mail again. I really think some of these agents are mental patients. Aflac likes to take my money but can't fix this to add her in a two year span.

The worst customer service ever. Rude. Don't want to help or even talk to you. They act like it's a problem you called. I called two numbers, because the first woman said she couldn't see my information and wanted my SS. I said I don't give over phone. She had very bad phone etiquette and was doing best to get off phone and I said, "Is that only way you can look up." Then she agreed she could do another way. But was huffing and puffing the whole phone call. Rude and unprofessional. The second woman did not even verify me. Just started talking. I said, "How did you know who I was?" She said it populated with my number. She was no better. I tried to explain what I needed and she said, "You need to call customer service." I said, "I didn't even state what I needed." Wow.

I paid into this scam for about 15 years and once I got injured and filed a claim it was denied over and over with every type of excuse available. As I said this is just a pure SCAM! Don't waste your money on this company...

This has been a nightmare dealing with these people, I have had greater success from the state disability office in helping me. I will give them another chance till they get completely shut down not only with me but everyone else I can convince to let them go. Horrible customer service on a claim that should have been paid two months ago.

I have been paying on this short term disability policy for almost 20 years at 135.00 per month. That adds up to a lot of money for something I thought would protect me in case I could not work. I have a work comp case. I provided the paperwork to AFLAC and they paid at first but now are refusing to pay citing various issues which basically add up to nothing. My employer statement says I cannot work due to a restriction. I provided medical documents plus my own statement.

Absolute Garbage. So many things wrong that I can't even explain on here. Basically: Horrible customer service and I mean like the absolute worst. Takes months and months to get paid (I only got a result after I said I was going to call Atty General) And, when I finally did get paid, I got $34!! A total joke. They should be reported for fraud.

Forget about getting a quick answer to a simple question as you navigate through endless menu selection only to having your call dropped. The quality of the sound is poor, and difficult to understand. Getting transferred to another department was pointless as I was disconnected. Overall impression was a fly by night operation. Canceled my policy, let's see if I get my money back!

I was on my boat. We hit a wave. Broke a tooth. 2 days later it got infected before I could see a dentist. I had to go to the emergency room to get antibiotics and something for pain. I filed a claim on August 2. Today is September 6th. I called the first 10 days and got someone who said it's under review. LOL. The following week called again. They explained a form was missing 14 days later so I sent it. 7 days later I called because you will never get a email or anything from AFLAC unless you call yourself. Oh it doesn't end here. I called and spoke with a "LEADER". What a joke. She explained it was filed under dental and should have been filed under accident. She the "LEADER" said, "I'll take care of it." Lol what a joke. 7 days later I called and the PROCESSOR LOL. Another joke. Still filed it under dental asking a emergency room for dental records. Crazy. Well it's September 6th and still nothing has happened.

Please don’t trust them. I been paying for short term disability over a year and been ripped off big time. I needs help to get all my money back from this company. Very terrible and liars. Someone should help all of us get our funds back. Been lied to. We needs justice.

Had an Aflac cancer policy with my wife for over 20 years. My wife had multiple cancers over the years and filed multiple claims in the past with no problems. Recently, last several years, it seems the company has changed. They do everything in their power to avoid paying claims. My wife recently passed from her cancer and I filed multiple claims. They send these action required messages stating they need information. It doesn’t give details, so when you submit everything you have it just sits there for weeks. Then the send you a cannot be processed letter because you haven’t submitted the information, even when you have and can see it on their website. If you call them they won’t speak to you or explain why it hasn’t been processed. They are only concerned about their financial outlook now. Get a supplement policy from a different company, Aflac is not the same company it once was.

Purchased a critical illness policy - Received a cancer diagnosis and Aflac denied the claim. They stated my treatment did not meet their definition of the policy treatment for a bone marrow transplant. This is what I found for the treatment I received. An autologous stem cell transplant is also called an autologous bone marrow transplant. BEWARE of how your policy covers you.

I will never do business with Aflac again and will also ask my co workers to do the same. I signed up for Aflac on 8/10/24 on 8/15/24 $1016.84 was sent to Aflac mistakenly. My agent put in a request for a over night refund on 8/15/24, here it is 8/20/24 and I have yet to receive my money back. Being told that the overnight refund has to be approved which can take up to 10 days. That's not going to work for me since I have bills and still have to get to work. Spoke to some else who said he would request for it to be expedited which can take up to 3 days for a response. What's going on with Aflac and why do I have to go through so many hoops to get my money back when it was so easily taken? Canceled both policies and will never do business with them again.

By the worst customer service ever. I would not recommend getting life insurance through them. They make it more difficult than you can imagine. Always wanting one more piece of paper for this or that nothing but a runaround and people that don’t know or care about their job.

Member 20+ yrs!!!! Paid over $30,000 in premiums. Filed claims over the yrs and they paid me direct deposit and on time. The last 4 yrs or after pandemic, Aflac has taking a turn for the worst. Please don't get hurt on the job and file a disability claim, Forget it!!! Before you purchase a policy Please read and understand what it offer!! Ask the representative to explain every benefits in detail!!! Please!!! Please!!! It's very sad so many bad reviews on here. Due to my recent experience I believe each and every review!

The entire process of dealing with Aflac has been one big headache. I filed my claim via the app almost 8 weeks ago, I had surgery, so it should have been cut and dry. I kept getting messages saying "action required". When you try to find out what the requirement is, there is zero information. The chat bot is a joke, it has no information, and tells you to call customer service. I am back to work, so I can't be on hold all day, and the call back option doesn't work. This is so frustrating. I had an umbrella policy from a different company when I was in Vegas, and they paid out in a week, and would contact me if they needed anything to process my claims. Aflac gives people a false sense of security. I'm lucky I'm in a situation that I wasn't depending on that money to cover my bills, but I'm sure the people living paycheck to paycheck are struggling. I'll keep trying to get somewhere with them, because I need that money help replenish my savings

By far one of the worst companies I’ve ever dealt with not just once not just twice but three times due to either employment to going through them. I’ve never been through such horrific situations. I wish this company would’ve got a business just so employers wouldn’t to use them. To this day, I don’t know how they are so open and able to cover companies and individuals when they have such a horrible reputation and horrible service and horrible handling situation.

Finally I got my claim processed. Thank you Aflac. Please streamline the claim process.

I had emailed them months ago to cancel my policy because they mislead me about the price. All they do is send you to a bot to chat with that doesn't actually help you. I just found out a few days ago that they're still charging me for a policy I canceled and they refuse to email me back and refund me. Stay away from this company because they won't ever fix anything.

Horrible customer service, no access to live help. Canceled policies and they are still billing my checking account. Over the years the aggravation I have had to deal with is not worth keeping the policies! Go with their competitor instead!

I canceled two months ago, they still as of today, keep charging me my premium, I have asked number of times to stop charging me and they're still doing it two months later, very crooked company, do not engage with Aflac.

This company is terrible. It is happy to take the premiums you pay but will do everything possible not to pay out, ever. Bizarrely they have an A+ rating on Better Business Bureau, no clue how this is even possible. My husband had a disability plan through his work. After he retired he requested to stop the policy and have the balance returned to him. He initially requested this in January by email and phone. He heard nothing, then contacted an employee there in February, who sent him the paperwork, which he completed and returned.

If I could give less stars, I would. My mother held 4 policies that she paid for many, many years. She passed in July of 2022 and when I reached out to her sales rep, she wanted no part in helping me with the claims or even pointing me in the right direction. After spending months of unreturned calls, unanswered emails and unhelpful customer service reps, I finally was emailed forms to complete but by the time I completed them, that rep had left her position and could offer no help either.

So I bought signed up for Aflac through an employer in 2008. I’ve made contributions to the company for 16 years. I have never been able to get a claim evaluation approved. The customer service is atrocious. The App is horrible. Basically you’re being sold a bill of goods that you will never be able to use. I’m an idiot for not doing better research on the policies and the actual worthwhileness of the product. I just wanted to have insurance. So be smarter than me. This insurance is basically a sham set up for companies that have a less than stellar insurance plan. And I am speculating someone in the family selling this crap insurance. They just want to get a hook in your wallet. Then when you need them they will find any reason they can to screw you out of any claim. You’re so much better off putting the money you would spend on Aflac in a mattress and letting it rot.

I have had Aflac for about 2 years. I had a scheduled hysterectomy and called them a MONTH before. I was told it was too early to file and to do it the week of... I did it the week of and online said I couldn’t do it for a future date. I filed after, only to discover that I needed forms from my employer and Dr. While recovering, I had to take forms to both places and wait. The forms are ready and I still am getting conflicting stories as to why my claim is not paid. Surgery was a month ago. Their service is awful. Calling and speaking to a supervisor/manager is difficult too. I’ve been on the phone for 46 minutes, 35 of them have been on hold.

They make promises they don't keep. Everything is a sales pitch but when you actually have to file a claim they make you go through the wringer and you must deal with the corporate office. Will never get Aflac again.

Been a client for years. They used to be alright back inthe day. Now they play games. They tell me they denied a claim but refuse to tell me why. Email says go to message center to find out why. Message in message center doesn't say why. Just a link to open the claim. Link opens a page that also doesn't say why and tells me to go to the message center to find out why. I JUST CAME FROM THERE!!! 'Claims' page says they need more info on four specific claims. I open each one of them and there is nothing there to tell me what information they need. Chat support is more like a FAQ with zero good results. Calling the support number (during business hours) just tells you the support hours but never takes you to anyone.

This is a scam! They charge you every month and do not pay you when you really need them. I was hospitalized twice and although I have hospital indemnity my claims were denied and I was told to file an appeal. Which by the way can only be done in writing. Everything else has to be done via email or online. Aside from this I have asked them to change my address three times and they can't even get this done correctly. If you want to talk to a live person you have to jump through hoops. Poor customer service and just a total scam for them to take money from those of us that need it.

If I could give this company 0 stars, that would be too many. I have had Aflac for 2 years and have paid approximately $1500 for the 2 years for hospital coverage. This is supposed to cover any hospital visits, including pregnancy. They paid out exactly $125 and said that I reached my maximum allowed benefits for the year. They denied my claim after less than 24 hours. The first claim they denied, I appealed twice before they paid out a measly $25. Then they denied my pregnancy claim stating that the initial benefit was paid out. This is what the customer service representative said in the chat:

This product is a scam and they need to be shut down. I have been waiting on a cancer claim for over 8 months and they keep trying to find any reason to delay. First they kept asking for authorization to review documents to the point that I had to add my doctor to my account so they can be uploaded directly form the source. Then they did the same thing about the requested information as if it was never received even you can see in the portal all the times I uploaded the documents. Now I’m under special review for the last two months with no call back as promised and no sign of any further cooperation. This is not helping me while I am battling cancer to the point I’m being evicted due to this false premise from this scam of a company. Do not trust this company.

Worst insurance. This company is a complete SCAM! I had cancer, coma, transplant.. I paid dues for 2 years. They denied most claims with paying very little to nothing. Most claims were denied. The hassle to get your money is so stressful when you are sick. This company thrives on you getting sick of you fighting with them and give up. Save your money and purchase any other insurance!

Aflac is a terrible company. They will approve you once then denial you for the very same thing. Everyone should file a complaint with the Better Business Bureau. I was denied and told for my appeal I would need to see one of their doctors. Metlife was so much better.

I submitted a quote for a follow up call back and the company called me 6 times. I finally called back and spoke with an agent who had terrible reception. I advised him of the terrible connection. He didn't even acknowledge me. I instantly hung up. I called back, got an agent named Sarah who begin yawning on the phone and kept right on talking. I hung up and she called me back. I advised her I don't want to speak with anyone that sits on the phone and yawn and please don't call me back. The red flags are there and I'm not even a customer.

Had Aflac cancer policy since 1983. Husband was diagnosed with throat cancer in October. The policy states that $100 per radiation treatment is covered. He had 20 treatments, after going round and round with Aflac I received (2) checks for $400, and 1 check for $100. They are horrible to work with, they however were very fast to take their payment every month out of our bank account for 42 years! I still receive a letter practically every month stating that they haven’t received all the information they need. I have sent the information several times along with my permission to get what info they need from the cancer doctor. These people need to be sued and that’s probably my next step.

I broke my ankle probably around 6 years ago. In order to get them the required paperwork, I had to travel to a medical office with the help of a friend, because I couldn't drive (left ankle) and had extreme pain from plantar fasciitis. I got a knee scooter to help, but this process was very stressful for what turned out to be very little compensation. I would never jump through those hoops again.

I was a client recently. Back in November 2023, I filed my claims short term disability, hospital, doctor visit. They totally paid out in December 2023. I was to be out of work until February, but doctor extended 30 more day, only paid bare minimum. Refused to pay out my hospital stay. Had over 10 different people telling me 10 different things about my claims. Nobody could get things right. Last payment from them was sad. I will not use this company again. It was through a school system and it's sad that the workers that come out just left you stranded and tell you false information. So, if I had to use them again the answer will be no. I'd say run!

I submitted my Aflac Dental reimbursement form for my daughter's dental surgery. It is going on 3 months and still have not received reimbursement. At first , they would say they never received anything but I emailed everything. An Aflac rep resent info and when I emailed for update, I was told they never received anything. I resent again. And when requested update, I was told they needed more information. I updated and resent. Now, when I request an update, I get no response.

I have had two routine dental appointments in the last year. (Teeth cleaning - which it states is obviously covered in full in my policy). One was June 23, 2023. The other January 9, 2024. Today, my dental office let me know that AFLAC finally paid some on the first claim from June 2023. The claim was for $189.00 And they Paid $11.20. On the claim that they sent back to the office, they clearly stated that they didn’t pay it because of my age. Discrimination is all I can say, and they will be hearing from my attorney.

I have been paying premiums for my wife and I for 15 months and I finally used them for a softball injury. It has been several months now and they denied my claim. I am canceling my policy with them today.

Had Aflac for years. Worst customer service in past 2 years I’ve ever seen. Dan Amos check your district managers and representatives in Georgia. Can’t get a call back from anyone. Your app is terrible UPGRADE and get better people. Check your 76% DISapproval rate.

First off, I had to go to the doctor on Feb 12, 2023. I didn't get coverage until Feb 21,2023. I had to have surgery on March 9,2023 and didn't get diagnosed after my 30 day wait period in which I made my claim. After making my claim, Aflac kept denying my claim due to a non-existent doctors visit. After several months of telling them that there hadn't been a doctors visit in over 6 years, my claim finally went under review in January of 2024. It stayed there until April 17, 2024 where it was officially denied. Due to my surgery counting as my official diagnosis and not my OFFICIAL DIAGNOSIS that occurred after my 30 day period, my claim was officially denied.

I would give 0 stars if I could. A complete and utter scam. I was very clear in wanting supplemental insurance, but never received any info for my policy. File a claim with your financial institution, the BBB and the AG Not only will you get reimbursed, the complaint goes on record. Eventually they will be put out of business. Cannot access the website, can't get anyone on the phone, there are two options, a call back or schedule a c/b neither one is satisfied..there is no option to hold. Try calling to get a policy, no problem there. It's shameful to take from people like this.

In my frustration of dealing with Aflac, I searched out reviews and found this site. I am also caught up in the Aflac mess. I had cancer surgery on the day before Thanksgiving in 2023. I submitted a claim to Aflac in early February 2024 and, as of today 4/23/2024, I have not received a payout on my claim. It has been two months of speaking with multiple customer representatives and receiving multiple answers. I logged into myaflac.com and to get updates on my claim. I was told by a representative that the information on that site was inaccurate and I should not use myaflac.com for updates.

Aflac is a joke, stay away from them. All they want is your money. They will say they pay out fast but they don't. It takes several days to get your claim reviewed then several more days to get paid if you get paid.

After 10 years of having a policy with Aflac and never filing a single claim we recently had to file one for my husband being in the hospital and off work for 2 weeks. Claim denied because of a 14 day waiting period even though it was in fact 14 days. Don't waste your money. It's a joke.

I have been an AFLAC customer for several years and have usually experienced excellent customer service. However, my recent experience has been disappointing. I filed a claim, but my paperwork was misplaced multiple times and each time I call, the representative struggles to locate my claim, which is appalling and is causing payment delays. Additionally, the level of service has dropped significantly and can be described as "horrible." It has been nearly impossible to contact anyone at corporate headquarters to address complaints. The standard customer support representatives are not equipped to resolve complex issues and only escalate them, which in my recent experience, has been ineffective. Due to these issues, I cannot recommend AFLAC as a supplemental insurance provider. I suggest considering other companies like Globe Life Family Heritage, Metlife, Old Mutual, or others that may offer better customer service.

They said quick claims in their advertising but this is a lie. Been waiting weeks for the review to complete. Everytime I message them they tell me something different and now after reading the reviews I'm expecting they are just trying to figure out a way to deny my claim bite everything so far has been frustrating and janky about this company. Don't give these people your money. They will take it and leave you broke and homeless if you need your benefits to survive.

I just canceled my policy midway through my cancer treatment. It's impossible to get a hold of someone when you have a problem with a claim (which you will), and you have to jump through hoops to submit a claim, only to have them deny it. If they're not going to pay my valid claims, why would I continue to pay my premiums?

I recently had part of my foot amputated and am on intravenous antibiotics and they denied my claim. The paperwork is endless and unless it is sent within approximately a week you have to resubmit all of your paperwork again. The reason for this is so you will get so disgusted and just give up. There should be laws to protect the consumers.

Definitely, don't recommend AFLAC...I have an old cancer policy, filing a claim is a joke. I send required documents via USPS (31) pages. Receiving person, made copies of docs for claim's dept. Most all pages copied came out blank. Probably ran out of Ink or toner. One month later I received a denial letter. Reason: no supporting documents. Unbelievable incompetence. I resent all docs again via PDF direct to customer service agent who confirmed receipt. Again, one month later receiving a denial letter, reason: no supporting Docs again. I've talked to so many customer service agents and one supervisor so many times...I've never experienced so much incompetence ..They have a mickey mouse web site....Stay away from this company..

We submitted two claims for a patient. They have had said claims since mid Dec 2023. After 2 months they asked for a W9 and we sent it the same day. Now they are saying they sent back to process but it takes at least 30-60 business days. They have had is 3.5 months.

I made the huge mistake of purchasing Aflac supplemental Medicare Insurance. This company is disreputable and a complete scam. All claims are denied, and their web-site is inaccessible. If you call, the reps barely speak English, and only slam you back in the general e-mail. I continually get messages saying I do not have a policy. Save yourself the lost premium money as Aflac covers nothing.