Aflac Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I had two surgeries on May 30 2025, thought I would be OK having Aflac short term disability, I have submitted everything down to my w2s and still waiting 27 days later, you talk to a representative they all tell you something different, as soon as I can I am canceling my three policies with them, I have paid them for these policies for over 7 years and never have needed them and now I need to use my short term and have went through hell trying to get my weekly benefits, it's ridiculous that they don't let you even start the paperwork untill after you have the surgery and ridiculous they put people through this when they are trying to heal, it has been nothing but stress when I should be focusing on healing my neck and wrist surgery. Beware!

My wife a major heart attack in January. I had taken the specific event policy that covers specifically heart attacks, strokes and brain injuries. The agent who sold the policy did not ask if my wife or I had diabetes or do or have smoked in the last 5 years. Oh we find out that those are preexisting conditions. Thus the policy should not have been sold to me. The claim has been in review since March. They won’t even decline the claim which is most likely even though I was sold a policy that is worthless. My feeling is I was sold a policy under false pretense so they should honor the policy. They are still taking money for it out of my check. I can believe that individuals have been sold this policy and never use it. And if you smoke or have diabetes you’re paying for nothing.

Aflac is not the company it used to be. Claims were paid correctly and in a timely manner in the past. However, this is not the case any longer. They purposely don't pay benefits you are entitled to and pay some parts of the claim incorrectly (the mistake is never in your favor). When you call customer service, they will never let you speak to someone in claims.

I have never submitted a review of anything before but I have also never been this angry before. I obtained coverage in October 2024 and gave birth to my child in March 2025 (early c-section). I applied for coverage afterwards and was informed that my time would be covered up to 6-8 weeks. For the next 6 weeks (as I did not work and was not paid) I was sent on a wild GOOSE chase with AFLAC stating I needed to upload "office notes from my initial consultation". Proceed to me recovering form after form to submit until my claim was denied for "failure to receive" the form that I submitted two weeks prior. After several calls to Aflac and my hospital to figure out what they needed, Aflac informed me they need the form sent to them directly from my physician.

They have taken my money for many years. Now that I need my short-term disability, they have found every reason to deny my claim! SCAM ARTISTS! I cannot work due to permanent nerve damage and they said I have to have an aide in order to get the disability. How can I afford an aide if I am not able to work! I have given every piece of information they’ve requested and they acknowledge the disability but since I can move, I am just fine. They have no clue what PHN does to a person.

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

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

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

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

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

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!

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

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

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

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

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

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

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

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

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

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

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

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.

When I started my job I was given the option of getting Hospital Indemnity insurance through AFLAC. The way it was sold to me by the rep was that if myself or a dependent went to the emergency room, we'd get a check to help with the expenses. What wasn't told to me was the loopholes that got them out of paying. So despite myself and one of my children being in the emergency room after the policy started, they denied the claims. That's a shady way of doing business. Then to cancel it required jumping through hoops.

Filed claim in February, had to call twice a week to get updates and they found every reason to deny and delay my claim. Don’t ever do business with this company. They will never pay. Just read the reviews before signing up for their coverage.

Customer service representatives has been misleading and giving me the wrong information about how to go about my short-term disability. This has been the worst of experiences of my life. When I get back to work I am cancel accident and short term disability. Didn’t want to give them 1 star. Has no choice in the matter.

Once leaving my job I was told I would be given the option to convert my plan to a self pay plan. I sent the forms in with a check. I waited 5 months and they said they didn’t see a check or didn’t process it. I tracked down my check and gave them all the information to show it was deposited. I gave them a couple more weeks and nothing. I finally called and asked for a refund. After 3 phone calls about this refund, they finally told me that I had a balance due and that they were taking my refund to apply to the balance. Now.. there was no balance due since my policy was cancelled when I left my old employer and never reinstated. The payment sent it was supposed to do that but it didn’t. This company is extremely hard to deal with and steals your money. Do not waste your time!

Do yourself a favor and save your money. They find every excuse to not pay me for all the weeks I was out of work. I send them every document I have, my job sends them the information they requested and so did my physician. They still find excuses and only paid me half of what I was suppose to get.

I have been with Aflac since 2011. I have both short term disability and hospital policies. 10 years ago, I had a colonoscopy done. Paperwork sent in and was paid $400 under hospital policy. Fast forward to 2024. I had another (every 10 years recommended) and filed claim. I am now being told that it isn't covered, it is a wellness benefit that I don't have. REALLY!!!! Also, its payout is now only $100, and they need operative notes from Dr. office. Notes were uploaded. WTH!!! All these years with this company and you have to jump through hoops just to get paid and find out that this isn't covered or that isn't covered. I want all my premiums back. There needs to be a class action lawsuit against them. They are ripping people off and getting away with it. I'm done with them

I requested a form they said was required, they sent me some woman named Nora's Form instead. Then they sent me the WRONG FORM. Then when I was APPROVED, they sent all the back payments to some WRONG BANK some 2,000 miles away. And you'd think it was an urgent matter (not because I've been living outside and surviving snowstorms without food, water, no phone, nerve damage in my legs from the first 4-day storm last month) because money in the Internet can be taken but their Customer Service and Managers are horrible, I expect to hear back from them in a matter reported in the past but they might email in about 3 weeks..??

My company changed from another company to Aflac for hospital indemnity and it was the worst mistake. Aflac will pull you through the wringer for all this information and then they deny the claim. I was in the hospital for two days IVs, neurology, Cardiologist tests, bloodwork the whole 9 yards and when I got out of the hospital, I submitted the claim and they said, "nNo we are not gonna pay it, because you were just “under observation”." What on earth difference does it make if I was under observation. I was still in the hospital.

I had filed a claim 11/28/23 and all documentation was provided, I was told my claim would pay out at the latest in 21 days by mail. That day came and went, when I called to notify them they then claimed it would be escalated and direct deposited within 5-7 business days. Of course that came and went, still nothing. Now every time I call they keep saying they haven’t heard anything back on my claim. Whenever I call they act like they can’t hear me and disconnect the call. I call and ask for a corporate number and they claim there is no such thing. I have called this company multiple times to see why my claim has not paid out but no one knows but they say everything looks good. I will never recommend this company to anyone. I really feel scammed as me and my co workers pay for this policy every month over 300 employees and no one has anything good to say about Aflac. This company needs to be shut down.

This company takes your money and don't pay. They have every loophole not to pay you. I have been paying for this for 7 years and finally had to file a claim. Let's just say the hospital and these insurance companies are all working together. Didn't get paid cause my illness wasn't serious enough for me to be admitted into the hospital. I was good for observation though for 7 days. I will definitely make some changes next year and save my money instead of wasting it on these policies.

I was told I would receive my hospital indemnity claim for a stay over 23 hours. I stayed for about 23 1/2 hours and then was told no. They only pay if you stay 24 hours. They would not grant my appeal considering I spent over 2 hours in the waiting room. Not worth the money or the hassle.

Every claim I have ever filed was paid quickly. I am very thankful for everything Aflac has done for me and my family. Their Customer Service people aren't always great, but I rarely need them. My agent always helps me! I think people who complain about claims either are trying to file for something that isn't covered and they expect something for nothing. Or, they aren't providing the level of detail that ALL insurance companies require. There is also a big difference between people who buy policies directly from Aflac and the people who buy them through their work. My policies are through my job, so I have a dedicated agent who takes care of me 100%.

Can't contact agent, can't transact an online premium payment, can't get cards, can't access portal (no-existent policy number apparently) but what I can do is ROT on the phone waiting for a customer service person to recycle my complaints. It is now January 6th and all I have is a generic Aflac member book with a policy number not accepted by the online portal. My Medigap policy was supposed to start on the 1st. Three phone calls to these people required at least 2 hours waiting only to be told cards were sent weeks ago. THEY WERE NOT SENT TO ME.

I've been battling AFLAC for the past 9 weeks following my total knee replacement surgery. I've had a policy for close to 8 years and have never had this issue before. Part of the Hospital Indemnity benefits include surgical benefits. After 9 weeks of trying to get this benefit paid, FINALLLY they notify me that they (claimed) they changed the policy back in March (this is October-November-December) and removed this benefit. I recieved no such notification. I especially like how they put off answering my requests for the past 9 weeks (where I spent an hour on the phone weekly because nobody follows up on their claims to "escalate to a supervisor" -- No I had to call weekly to get a status) until after OPEN ENROLLMENT is closed.

I have been a paying victim of Aflac for over 2 years. I was admitted to the hospital with cardiac issues and Aflac refuses to fulfill my claim, hiding behind every loophole possible. When I tried to call to speak about it, I was transferred multiple times and sent to a holding line that took 20 minutes for somebody to answer. This company is happy to take your money but DOES NOT care about being there "in your time of need". They don't care about our peace of mind, they care about a piece of our profits. You're better off going anywhere else, or not having anything. It's better than empty promises and false expectations.

Keep in mind - once you get sick, you’re stuck with your chosen company. You can’t leave them because you now have a pre-existing condition. Some of the tactics they employ:

The website is so limited you can not get simple answers. The chat is a joke. You will wait in a queue, an AI will answer after 40 mins. It will ask you to give it 2 minutes to review your file and then just dump you back into the queue. They want everything submitted by old school paper and mail or a fax machine. Seriously a fax machine in 2023.

I heard a lot of good things about Aflac for maternity leave so I took out a policy through my employer during open enrollment. About ten months after the policy went into effect, I asked the representative if I would be able to keep my policy if I left my employer and transitioned to being self-employed, and she assured me that this was fine. I signed a form about the change, gave them my credit card for premiums instead of using paycheck deduction, and thought everything was fine.

I have been dealing with them for 2 months to get a payment issued for a claim they have already processed and updated their website to show paid. They sent me the explanation of benefits but will not send the payment for it. I was lied to several times by customer service representatives and managers that the payment has been issued and it was not issued though the claim has been processed. This is causing me undue stress and anxiety having paid for coverage but can't receive payment or a concrete reason why it has not been issued except a system glitch. I recommend that you not purchase any products from them.

Do not purchase policies through this company. I have or I should say had 4 policies through this company where money was being deducted from my check weekly to pay on these policies. They can't seem to get your payments made correctly and then hound you for back payments. I have a policy right now that they claim is behind a year and yet money has been sent to them for these policies. Second issue I have is that my other half has a policy for short term disability and when he was off 2 times to have his knees replaced, they told him that his STD doesn't cover that. He was off work for over 6 weeks. This company is a JOKE!

My doctor advised me to go on medical leave when I completely fractured my foot and that I should be off my feet completely for up to 8 weeks. I purchased my policy through my workplace because they do not offer short term disability. I assumed I would be covered and be able to pay my bills while out of work. I filed my claim about a month ago and have called them several times to get an update on my claim, but several times I encountered the most uncaring and rude representatives. I filled out all the paperwork and had to call my work several times to have them submit their paperwork. They finally got all the paperwork and I was told I would have a check within 5 days deposited in my account, but none of that was true.

I have had a horrible experience with Aflac, had an angiogram and I'm still waiting to get paid. It's been 3 months. It's still in review. This is horrible but they're quick to take my money. Customer service nor the managers are any help. They wanted paperwork for the past 5 years, I sent it to them and still nothing. It's not worth it, bad advertisement they do not help at all.

We have been trying for over two years to get a policy paid following a cancer diagnosis for the policy owner. Aflac has given us the run around requesting paperwork (just like others have said on this review site) over and over again, even admitting they have it and reflecting that on the portal but then continuing to request what they already have. They have admitted they have a policy for our person and that they owe him money. They have also admitted that they have everything they need to finish the claim but THEY JUST WILL NOT PAY! It is dreadful to treat elderly cancer patients the way they have treated our person who faithfully paid them year after year. Unbelievably disgusting. Best advice I can give…NEVER buy AFLAC.

A great product on paper but not in practice. The website, which is the main way AFLAC updates you, is slow to update and not accurate. Emails are never responded to and phone/chat support is hit or miss (mostly miss). After waiting over 2 weeks, my claim was denied with the explanation that I had to wait 30 days before I could file a claim. I have had this policy for 8 years but for some reason, AFLAC says that isn't the case. Payments have been made consistently from my paycheck... But, my biggest issue is that no one cares to help get to the bottom of this. Just that they are overworked and understaffed to handle any issues. 45-60 days to handle an appeal. Not cool when the bills are now. 4 days to process a claim is false. I would recommend not using AFLAC. Save you money for when you need it because AFLAC won't pay when they need to pay.

I tripped and fell on my stairs on July 30 2023. I injured my toe and part of my foot badly. I kept icing it. It started getting infected, so I went to the podiatrist. The Dr. said I jammed my toe on the fall into my nail bed and it needed to be removed immediately (my toe nail). I have submitted claim after claim and called my Dr. office because Aflac keeps saying they didn't get a diagnosis code. Then, they said, there needed to be an explanation by the Dr. of my accident. Dr. office sent in ALL requested info! Now I get a letter stating it was denied. Not enough documentation. LIE. I saw all the documentation. I am cancelling my accident insurance AND NOW AFTER READING ALL THE NEGATIVE REVIEWS..I am cancelling my critical care/cancer insurance. I had a pulmonary embolism, which is as serious as it gets, but that's not covered. That was 2 years ago. I never filed a claim as I knew it wasn't covered.

Aflac is so fast to take money from you, but make it soooo difficult to send you a check that is rightfully owed to you. Do yourselves a favor and find another company that cares to do the right thing.

I’ve never wanted to cancel a service over communication, until now. Respectfully, someone’s workload is not our problem. I never expected to wait two weeks for my agent to respond to me. It’s less frustrating talking to a call center in a different country.

Too much documentation required for repetitive chemo treatments. They make you wait forever for reimbursement which is ridiculous. This is why you get this policy - if you can't work you need to be paid quickly. AFLAC rep is a blessing and I know her hands are tied. I usually recommend AFLAC to new employees but will stand down from here on in. Not worth the aggravation - like pulling teeth to get paid.

My experience with AFLAC has been nothing short of being terrible. Ranging from lack of communication regarding claim status to the varying opinions of each of the Customer Service representatives regarding documents, needed to process the claim. I have had to call a dozen times already for a claim that was filed two months ago and still do not have clear direction as to when my file will be reviewed and or the outcome of the review. The process is daunting and is in no way accurately depicted in the commercials. I would strongly, consider signing up for AFLAC due to the headache involved and trying trying to work with them.

I've been with Aflac since 2014, in which they have been taking money out of my account. I know most people have insurance to protect them whenever they are on Disability but Aflac will Not PAY you anything if you get injured at work, I repeat. They will not PAY you when you get injured at work.

I finally was able to sign up for short term. While signing up, the rep was advised of a pre existing car accident I was in and how I was still under doctors' care. She was advising of different scenarios and what insurance would be best. During this time, she assured me that my coverage would happen as of Aug. 1st even though, I was still recovering. Well, I was forced back out of work and needed this insurance for actually a new diagnosis and was told I was being treated for it in July and my policy had not started yet. During this waiting/review period, no one informed me that I was wasting my time trying to actually get what was due to me per the rep and what I had thought was the policy.

Updated on 10/13/2023: Updated review. I would put 0 star , but they don't have it. Aflac does not communicate what is needed nor informs that they don[t have info. They only denied your paid Short Term Disability (which is not unusual for any insurance, but this one supposes to protect you and not leave you without any income while you are sick or ill). It's so disappointing to think that you have protection and it's paid, when in reality, when you become sick, you realize that you are broke because you have to use all the savings to protect yourself, pay for healing and all other bills that are coming your way. As soon this is over, looking for another insurance company, preferably higher rating than 1.7.

I have been paying for disability through my employer since 2008. We were with Zurich until Aflac bought them out. I had a TKR and suppose to receive payment every 2 weeks and I have not been able to receive consistent payments each time. They never communicate that there is a problem. They just don’t pay you until you have to call your HR department and your Union and pretty much beg someone to find out why you aren’t getting a paycheck as scheduled. Now I am being told they will send it tomorrow and can refer me to a social worker. I make over 6 figures. I pay every 2 weeks through payroll deduction to have short term and long term disability and yet I can’t get a understanding as to when I will be paid. This is not right and should not have to go to social services to help me until they pay me. I am so tired of this. Someone needs to address these issues. When you are unable to work because of illness and you pay for this it isn’t right. Ugh.

This is the worst disability insurance ever. I have paid into this company from my paychecks for well over 10 years and when I need them, they don't send me any payment. They have taken over 6 months to process this claim and keep coming up with excuses that they need information (which has been sent to them at least 3 times). They still come up with "they need more information" to complete the process. They are liars and are doing everything they possibly can to keep from paying what I should be getting. They take your money, but don't send me my disability payments. They have done this to other people as well. Don't waste your time with this company.

I have been paying on the cancer policy for several years. I filed a claim for peritoneal carcinoma back Aug. 2022 and then a claim for skin cancer on 8/3/23 and both claims were denied. As of 8/29/23 I canceled my policy. They want to take your money but when it's time for them to pay out they always find a reason to deny the claim.

I’ve been paying for my short-term disability since 2010. March 2023 we had open enrollment at work where I asked what my actual payout would be if something happened. I was told they would look into it. I also expressed interest in other policies. Which they also told me they would give me the information for. I never heard back. No one answered my calls. Finally I text, my official agent inquiring when I could get answers. She also did not respond or ever answer my calls. I had a stroke last month and seizures, rendering my right arm useless. I got my answers then!!!! My payout was $16.67 a day!!! Oh, and when I reached out to my agent, she said “That is why I try to meet with everyone to go over their needs but I can’t make anyone meet with me." Luckily, I have proof of the Conversations via text, proving I met with them, and I’ve been looking for answers. I am appalled!!! That’s less than $117 a week. Why would I pay for that?.

I pay them every 2 weeks but they don't pay you... I had a double mastectomy dt ductal carcinoma after pathology revealed HER2+ breast cancer w/ Chemo weekly for 15 weeks then heart failure from treatments. No money. I send in this and then that I call them they don't communicate with me. Drs to sign this work to sign that send that in.. No can't read it. Nope didn't fill it out correctly. Still pending investigation. I have cancer twice. I can't work. What are you trying to figure out!!! Do you think I'm making this up???

Aflac is a scam. I had a stroke on June 7, 2023. I filed my claim on June 9th. It's 2 months later and I'm still fighting for my payments. All I'm getting is the run around. Don't waste your money. It's a total scam. They take our money and don't pay.

Even a simple and legitimate Wellness Benefit claim can be immediately denied, not to mention more serious cases. You do not receive any notification about the update of your case. Instead, you need to log in to your account to check your status regularly. The online account does not mention the reason for the denial. You need to wait for a paper mail to know it. Lessons learned. NEVER buy their insurance again.

I was paying Aflac out of my hard earned money every 2 weeks. I had a hysterectomy and was out of work for 2 months. Got them everything they asked for when I was in the hospital and never got anything!! So all the money they got from me was for nothing. They are getting free money because they don’t pay out!!! If I could give them 0 stars I would!!! Don’t waste your money.

My wife was recently diagnosed with Cancer and Aflac denied my submission for a Critical Illness One time claim payment for 100% of that policy's face value for $20,000. My wife was diagnosed with Cancer on May 30th 2023. I have a Critical Illness and Accidental Death Policy with Aflac through my Employer Kaiser Hospital here in Northern California.

I am filing my third claim with this company of which has taken a full month with still no resolution, the first two claims were not processed and I was not contacted regarding either, I only learned they were denied due to many phone calls to finally get a resolution. They advise you to provide documentation, and agree to authorization forms which they do not use, and never pay out, then claim your coverage doesn't include the illnesses described, when asking for documentation showing these things they claim its in your certificate of insurance which they do not provide you with. I have asked multiple times for it to be sent to me they do not send it. I have spoken to countless people each ruder than the last, no one wants to help, and they put one another under the bus.

I joined our company plan with Aflac, both STD and accident policies 2 years ago. I filed 5 wellness and/or accident claims over that period and haven't been paid for any of them. Their website is impossible to navigate, you will not get any help there. It looks like they last updated it in the 80s. They're not available to answer their number and refer you to the chat, which then refers you back to the number. One check did get sent to an old address I had 20 years ago, so never saw that one. My account online looks like they paid me 3 claims in April, again, I haven't seen a dime. If you get through to someone, they tell you they'll take care of it but you still never get any resolution. I finally said to * with the money and canceled my contract. I will never deal with them again, completely incompetent.

Pd. Premium's on cancer policy since 1974. Tried numerous times to find out what it covers. No satisfaction. In 2022 I had surgery for cancer, filed a claim and received $100.00. I pay 246.00 premium. Was told, after hours of trying to speak to someone, that they would help me cancel if I wanted. Crooks.

I have had AFLAC for over 13 years and the underwriting is getting longer wait and the payout is getting worse as well. I submitted a claim in April and it is 5/18/2023 and I am still to wait another 5 days. Also I had to pay for my paperwork from physician office which was 280.00 for a payout of 400.00. Claim I submitted was very easy to review and complete yet the underwriter needs more time? Not sure why I submitted this to another company for approval which usually takes longer and it was completed within 48 hours.

I signed up for AFLAC short-term disability and hospital- through my employer, when @Michael ** - LICENSE NUMBER: ** came in with one of his agents to explain the different coverages. I told him about my having visited the Dr for arthritis, I asked if I decided to have surgery, and it would be covered. I was told it would be covered, providing I waited until 30 days after my enrollment.

Feb 2023 I experience an off the job injury; however having Aflac I felt secure in receiving short term disability. This insurance is through my employer which I have payroll deductions. I rec'd the first pymt but submitted continued disability forms from Dr, employer and myself. First the representative STATES the date on paper had to be after their monthly close out date. Keep in mind I pay $25 per Dr visit + $25 for Dr office to fill out paper work. It's May 2023. I have not received anything but letters asking for the exact forms I've uploaded on the web app. I've tried contacting my representative (that's a joke).

I will start telling you I have recorded every conversation. I submitted a claim after 1.5 yrs of paying without any claims. I fell down the mountain hiking and tore my tendon. Due to the area I am in with not many orthopedic surgeons I was forced to wait to see the doctor by a couple of weeks. I submitted the claim and it was denied due to the fact that I did not go to the doctors within 72 hours. Nowhere in my paperwork does it state that I had to see a doctor within 72 hours. I called cancel my Insurance and the woman I spoke to told me that she would cancel my insurance and I would be refunded $482. Several days later she called and said she made a mistake it would be $40.00.

I've paid into Aflac since June 2022. They have been taking it directly from my paycheck... I had back surgery, filed a claim in a week before surgery... They didn't have a policy for me. Said it was a computer glitch. Did some more paperwork to try and get sorted out. Still haven't seen a dime. Now they are saying I owe them money since I was out on disability that is through my employer. They can take my money but won't give me mine. Hmmm not right. This has to be illegal. How do they get away with that??? They a bunch of thieves...

I have had my Cancer and Short Term Disability Ins Policies with this Company since 1998, it's 2023. That is a very long time. I wanted to do the right thing. However with some kind of issue with their website when I paid my account online 2.26.2023 for the 1st they said they did not get my payment. Then they sent a letter and stated they wanted the payment no longer online - till I had my back issue them a letter stating that I had the funds. Which after this many years is stupid. I have always paid that payment. I canceled the account - what was crazy - I had the account longer than the girl who canceled the policy had been alive. I will use welfare and gov't just like everyone else.

We only had Aflac for a brief period before my husband was diagnosed with cancer. They paid the claim very quickly. The easy to complete on-line filing for the wellness benefits are paid promptly. We have never had any problems and will continue to use them for as long as we live. It's nice to do business with a company that stands behind their product. Thank you Aflac!

I was in intensive care in 1996; decided to get an AFLAC intensive care policy in case myself or my husband ended up in intensive care. Day after Christmas (26th) my husband had a heart attack. Spent two days in intensive care. I sent in a claim that was denied as Aflac didn't like the codes on the claim. Went to the hospital and they gave me a new bill with other codes, so I sent in a appeal claim. We got a total of $300, reduced rate because myself as the main person is now 70. This on an $86000 + hospital bill. Statement with check says all claims will be reduced due to my age. My husband who the claim was for is under 70. Don't waste your money, better off putting cost of policy in your savings account as you will get a much better return. If you are over 70 expect any claim to be reduced due to your age. I feel like this is age discrimination!!

Absolutely horrible. Impossible to get assistance with claims. Have been waiting months and months... Still waiting. Aflac advertises help with money while hospitalized. You will starve to death first! Scam.

AFLAC is a scam and their web portal seems to be designed so you are unable to contact someone to assist with your claim. It seems to be designed so you give up and say “It’s not worth it”.. Please reach out if you need another witness..

I've been with Aflac for over a decade. During open enrollment, I elected to discontinue with a rider that was on one of several policies that I have. The rider was to end 12/31/22 however; as of March 7th it's still being deducted from my account. Since January 5, 2023, I've spoken with and emailed several Aflac representative, every two weeks, and they all claim the rider is cancelled but deductions are still coming out of my paycheck.

I work for a municipal agency aka a city employee in NYS. My job puts my physical health at risk so I made perfect sense to have added insurance. I’ve had bad experiences with these companies but decided to give Aflac a try since my employer actually recommended them. When I spoke with the agent the first thing I mentioned were my past experiences and how they took my money and ran. Well!!!! So did Aflac! I had a brief convo about my needs and chose the coverages I wanted. I gave my employment info and the agent said I would receive all the info and items to sign off on. I never received the email and was concerned I lost out on getting coverage because it’s done at end of the year.

Aflac group is a supplemental insurance policy you obtain through your employer. They present it as a supplemental income for "Accidents, Hospitalization, and or Critical Care". They also promise to pay you for wellness checks. These promises are short of lies, they don't provide any specifics so when you submit a claim they pick and choose and will often deny your claims. You are unable to reach anyone via phone. To submit a claim, you are required to jump through hoops; which is not an aggravation you need or want while trying to recuperate. They misrepresent the policies. It is not worth the money spent.

After finding out that Aflac was fraudulently charging me for premiums that we also being charged to other participants for 3 years asked "agent" to produce copies of older invoices and a copy of the original policy. Was given the runaround. Sent unhelpful links and never produced a single document. After expressing much deserved frustration was called hostile and told that he would no longer speak with me. Worst experience of my life.... Someone should retire that duck as this company has no interest in protecting it clients in times of need.

My husband learned he had blood cancer around April 1st of 2022. As the spouse, filing of claims has landed on my back along with everything else. He hasn’t worked for almost a year and I have been filing claims for nine months. His cancer required a trip out of state for a diagnosis and then a stem cell transplant that required 40 days in the hospital over 100 miles from our home. I’m still waiting for payment for our trip to Minnesota for the diagnosis. We received payment for proof that he has cancer after much back and forth as they were demanding a tumor biopsy – something that doesn’t exist for blood cancer.

I have been paying on Aflac for over 3 years. I purchased this for peace of mind like they advertise and told me in person. I have accidental and critical illness for me and my family. My wife was recently admitted for Myxedema coma. She was in a coma for 4 days. She was admitted and stayed in the hospital for a week and a half. I contacted Aflac prior to filing a claim and they said it falls under the critical illness as she was in a thyroid coma. I filed once 10/14/22 and was denied. They said I didn't send in the requested material from the hospital stay and that I can send it through text. I did that. No response. I then filed a new claim on 10/26/22 and uploaded the Dr and hospital notes and stay with break down of all the lab tests as requested.

I Ruptured my Achilles. I had outpatient surgery at a hospital. AFLAC only paid $325.00. Outpatient claim was denied, and hospital claim was partially denied because I wasn't in the hospital 24 hours. Accident claim was denied because there was no indication as to how I ruptured my achilles. AFLAC is a joke. $325 for a surgery?? And I am out of work for at least 6 weeks. I am considering cancelling my policy.

Claim was filed early November. There was a discrepancy with the physician form. I corrected then resubmitted. Two weeks later there was another discrepancy with the corrected form. Why didn’t the claim manager take their time initially when I first submitted the claim to identify all discrepancies. Then submitted corrected forms twice to be denied about 5 weeks after in December but my claim date was in early November.

Filed claim a month ago with all inpatient records showing proof. Then they ask for more proof of over 24 hour issues, sent that from 2 doctors 1.5 weeks ago. Still nothing!!!! Fist page of hospital records proved it lasted over 24 hours. Customer service staff has been patient and kind, but Aflac audit must have only one auditor that works one hour a week. I have sent over 50 pages of proof. This also happened when I filed a claim in 2017. Had to get sales rep to get involved back then. Told every time I send more documentation process starts all over. Filed Nov 7 and they show Nov 30. Also told today auditor has not been assigned - over 4 weeks! Do not believe the ads that say 24 hours to a week to get paid. NOT true!

I had major surgery, after filling out form after form they are trying to short pay me by $ 5,000.00. Ten years paying into this and first claim they are trying to push me around. TERRIBLE customer service by phone and even in the chats.

My father died August 2022, and I sent in ALL information they’ve asked me for. EVERY time I call for an update on the claim, I’m given a different answer. They’re very unorganized & I want my claim paid ASAP!!!! This is highly unethical and if I don’t receive what’s owed to me soon, I will hire an attorney to assist me with this!!

I would like to say I'm a customer who doesn't use this benefit often, but it has been great in the past. However, today when I called and spoke with a customer service agent the experience was horrible. Michelle offered no compassion nor information for me. She also went on to say, I don't pay for my coverage, my employer does. Why would she indicate this without knowledge that it's paid through an employer, but the premium is deducted from my check. Horrible experience for a family that recently experienced a recent unplanned emergency that required a surgical procedure. (I called 11/28 around 3pm).

TLDR: My company has short-term disability/maternity leave through AFLAC. They opened two policies for me, overpaid me approximately $5,000, and then demanded it back. DO NOT USE. If you have a choice of providers, do not use AFLAC. If your company uses them for short-term disability or maternity leave, make sure you are micro-managing your case because they won't.

I have had 4 policies with Aflac for 20+ years. This year I was hospitalized three times, had two surgeries, 2 ct scans, 2 ultrasounds, multiple xrays, labs and meds given. I sent in the claim, waited 3 weeks to call to check the status of the claim I was told they needed a UB04 form, I submitted that, took them another 3 weeks to even look at my claim. When I called to check the status they tell me I was only being issued a $200 check. They claim my hospital stays were "obervation" when I was hospitalized for 3 days the first time and 5 days the second time. Clearly not observation. They did not pay for any of my surgeries or any of the diagnostic testing I had done. Total piece of garbage now!! They just take your money and do not care about anything else! Was out of work for 2 weeks and thought this would help, NOT! I WILL BE CANCELING ALL OF MY POLICIES WITH THEM. TOTAL PIECE OF GARBAGE THEY ARE NOW!!!

I was stuck by a rose thorn while weeding in March, 2022. My hand became very swollen and painful, went to Urgent Care and it was diagnosed as cellulitis. Was placed on ** for 7 days and it was better. As soon as the antibiotics ended, my hand got worse than the initial presentation. Was seen by a hand surgeon who put me on anti-fungals and sent me to Infectious Disease doctor. This doctor didn't think it was fungal and placed back on **.

I have an accident policy for almost 10yrs. I had an accident and lost fingers. Clearly I had 2 surgeries and still lots of therapy. I had 2 claims in 2 months denied. 1 because of authentication form. (Think someone would call) NOPE. 2nd try they don't have dr.s info after another month. Idk how they get away with not informing customers how and what they need the 1st time. I also spent many times on phone with them. They just keep kicking the can down the road NOT TO PAY. They should be fined and or shut down. During a hard time struggling with my new disability the bills are piling up. It should be a lot easier and stress free than this. I almost forgot. I had to file another claim (start over) after it's denied. Going in circles. I gave it another shot. Hopefully 3rd time's a charm

Aflac is the carrier for the new state of CT FMLA services. I created a claim for an upcoming major surgery (9/14/22) on 8/9/22. I initially received what I thought was all of the necessary paperwork from Aflac, had it filled out and returned via the portal. On 8/19 I was denied, and a message was left by the case manager assigned to me, Kimberly A. On 8/22/22 I called the customer service number provided for Aflac on behalf of CT state FMLA to question why I was denied. I was told at that time that I had to contact the CT DOL because the system was showing that I did not have any earnings for the past four quarters. Well, the DOL was backed up and not returning phone calls for close to a week. I finally sought assistance from the HR department at my job who informed me that Aflac was responsible for sending me a document named Employer Verification form, which they failed to do.

I've paid on multiple policies through Aflac including Cancer, recently I had skin biopsies done for cancer. One came back precancerous and I was put on a topical Chemotherapy cream, Aflac says it's not cancer so they won't pay.

After reading the reviews on this site I see I am not alone. I've had my cancer policy since 2011, paid into over $14000 in premiums. I filed a claim 8/8/22 and as other have said they "requested more documents". They needed a pathology report. Two doctors told me that WAS the pathology report, letter head clearly states the pathology lab and report clearly identifies percentage of cancer, Gleason scores, etc.

I've had Aflac for 20+ years. They used to have great customer service, not anymore. They take forever to pay a claim. Used to be reviewed and paid in less than a week. Now 3 weeks later still not paid.

I was diagnosed with COVID on 08/16 by a lab. The next morning I filed a claim with AFLAC on my short term disability insurance, since I was going to be out of work 11 days. I sent in all the documents I was told to send in (Lab test results on their letterhead, a statement from my doctor, a statement from my employer) I made sure all the documents were received and was told they indeed were. Fast forward 15 days later and I call and ask why a decision had not been made on my claim. I was told they didn't have the documents they needed. The ones they confirmed 15 days earlier. Now they say I am going to have to refile because they need new documents. Total waste of time and money. If I were you I would find something else. This is a total scam.

I had total knee replacement June 1st. My paperwork was processed on August 12th. I'm jumping through hoops on one leg With Aflac. I've had this policy since October 1st, 2001 and they act like I'm bothering them because I need them now. No problem taking money out of my check every week for 20-plus years. They make the process of filing a claim so easy. "NOT." Typical insurance company. I hope this is the last time I ever need them again.

I woke up with terrible abdominal pain one night, was up all night trying to better it..Went to work late and just couldn't do it, barely made it to my truck and went home, fell on the couch for 3 hrs before I could drive myself to the ER...From there I was rushed to Rochester Mayo for emergency surgery and which led to 4 weeks off work....and I was thankful I has Aflac to help cover my bills....That was 10 weeks ago and I not only haven't received a dime but I just got ANOTHER letter today stating that they're closing my claim because they don't have all of the information they need...

I have had a Cancer policy with AFLAC for over 13 years. Unfortunately, my wife was diagnosed with triple negative breast cancer in Jan of 2019 which later spread to her brain. Although there have been many frustrating times, (delays & can't reach anyone) overall I must say they have paid everything they said they would pay for in the policy. When they stopped the one day pay, that really delayed getting the money, and customer service seemed to go south from there. I'm torn because there have been times AFLAC has had me beating my head against the wall and totally frustrated, and yet, I have to be honest and say the policy has been a huge blessing since my wife hasn't been able to work since 2019.

I am a former agent and customer. My policies were paid for from my monthly statement on the group account. Recently I was checking on a claim and decided to take a look at all my policies to make sure they were all up to date. My life policy showed as inactive. I tried to call customer service. Couldn't get through. Had to email. They wrote back eventually and said that my policy was canceled due to lack of payment. I then ask them how it could be canceled due to lack of payment since the payment was made from my monthly statement. They said they would send me a reinstatement form. The form came in the mail requesting $2,000 to reinstate.

Don't waste your time or money on Aflac. They will NEVER PAY YOU WHEN YOU NEED IT. I filed my claim after being hit by a truck while cycling to work. I filed on 4/28/2022. It has been over a month and the claim is STILL IN REVIEW.

Please people, do not waste your time with this company. My claim as of today is still pending/under review. I submit all documents online and the company continues to tell me for the past three months, claim under review. Consumers please be careful. I do not and will not refer or recommend this company to no one.