Aflac Reviews

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?.

We had a representative visit our job and he mocked one of our coworkers and even made a mockery of the fact that one of the family members had cancer. I was completely disgusted by this! I will never do business with them!!

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.

I gave birth to my son, and he is now 7 weeks. I am still waiting on a decision on which last I heard needs a second set of eyes, have in mind I have called them over 30 times probably and every time it gets reviewed by someone new. So I have no idea how many sets of eyes they actually need. At the beginning on second week or so, I was calling just to find out I was missing info...info that no one had has the courtesy of letting me know until I called. After another week I call again and once more, I'm missing something else. Which, have in mind I only get to find out if I call. I call almost every other day. And every time I'm missing something. Which is fine, I'll provide it, but my point is why do I have to find out bit by bit and only when I call to check. Do they not know what they are doing that they can't provide full details all at once.

I have been a member since 2013. As of March 22 2022 I had a pacemaker change out and put in a claim for help to pay this bill and I did get $60 big bucks. I had gotten Aflac in case of an emergency and if I needed short term disability. After my pacemaker change out a week later on April 1st I had to go to the emergency room for lower abdominal pain, that resulted in emergency surgery for appendicitis. With that being said, I was out of work for 2 weeks and I filed a claim for short term disability. That's what I have been paying for right? Declined!! I will be canceling my account ASAP! Do NOT BOTHER WITH AFLAC BECAUSE THEY DON'T PAY!

Just as all other reviews.. Can't talk to case manager, been under review for 3 months!! This scam company does not pay!!! Thiefs, liar, disrespectful,... They all burn in hell!... Let's watch them suffer such as all others that are in need of financial help!!

My son was injured at school which required major surgery and months of physical therapy. I have filed claim and provided all itemized billing docs that clearly show the diagnosis and procedure codes. Every piece of correspondence I get from Aflac says they need a diagnosis. You cannot speak to a live representative when you call in. My claim was denied for not having a diagnosis code. They have no intentions of taking care of their policyholders in their time of need and clearly only care about taking your money. I have paid all of my premiums since 2009 and now realize they are a joke and total waste of money spent! Don’t fall for their spiel….

I signed up for their short-term disability years ago through their representative at my employer, then had to use it due to a back injury only to find out, "I wasn't paying for it." They had me signed up as it showed on my login, but it wasn't being taken out of my check. So I'm signed up for it now, and just last month I had hernia surgery which required a 6 week recovery. I began a claim 4 days before the surgery. I sent in my forms, my employer sent them theirs, and my physician sent theirs. Only to be told they still needed the physician forms. I called the physician and they sent them again and I even got a copy to upload myself. Finally they say they got them but now they're waiting on employer forms. REALLY? So I call my employer, they sent them in weeks ago but did so again, and sent me a copy so I could upload those as well.

Trying to get policy number, face and case value for mother who has dementia. We sent in power of attorney papers. 4 weeks no results. We call. Always get robot never a person. They schedule call back. One time reached claims department, said fax was in fax machine could not find. Then found but could not give us information, someone from another department would mail information. Expedite. Still don’t have.

I have cancer policy for 15 years and filed a claim. My claim was received 1/18/22 for two different types of skin cancer involving two different procedures. AFLAC did not process my claim until 2/25/22. I attempted to contact AFLAC starting 2/7/22. Their automated phone system kept disconnecting my call. Tried the chat feature and email. No response. I had to schedule a callback for 2/11/22. On that call I was told the claim was received, but was not assigned to a processor. I was told it would be expedited and processed. On 2/22/22 no actions were initiated. Filed online complaint, as usual no response.

This company is an absolute joke. I had a preventative procedure that they said they covered, so I filed a claim. Received a letter about 2 months later saying it was denied that they do not cover that. Recently I filed a claim for an emergency room visit because of an accident. Did all the paperwork they asked for online. Received the letter again months later saying they wanted more information. Pretty much calling me a liar. So I spent the time got more information from the doctor as requested and sent in.

I've been a member of Aflac since 2017. If I could give this zero stars I would. I paid into my AFLAC accident policy for five years! Two months ago I had an injury that required surgery I opened a claim and send all documents to Aflac they review it and denied my claim. I've been trying to get in contact with them to find out why they denied my claim but unfortunately it's been no luck to talk to anyone from Aflac worst company. But are quick to take out monthly cost from my bank. I literally feel scammed and robbed. I will never recommend them to ANYONE! Worst experience ever. They are not worth mental and financial stress.

I have had an AFLAC Critical Illness Policy for 10 years on myself and my husband. My husband went to the ER with Covid to get monoclonal Antibodies and they admitted him straight to ICU where he stayed for 19 days before passing away. I filed my claim and it was denied saying they don’t pay for Covid claims. If Covid is not a critical Illness then what is. Being a policy holder, AFLAC never sent me any changes to my policy I have had since 1999 but now deny my husband’s claim. Anyone else experience this? It’s time for a class action lawsuit against AFLAC! Don’t waste your money on them but if you do have a policy and it was denied, please text me at ** and leave a message. Thank you!

I've had Aflac insurance with the cardiac Rider for a few years. Happen to have a heart attack. I file my claim 30 days later request for more information. Provide information, 30 days later request for different information. 30 days later request for the previous five years of medical information from my doctor and hospital. I get the runaround from customer service people for a while. Until one of them finally says, "Oh yes our final review process takes anywhere from 3 to 15 months." I assume they're just rolling a dice if I die so they don't have to pay. Been 9 months still no movement at all, still in the review process. Not that you can ever actually speak to anyone involved in the review process

I signed my dental office up for supplemental insurance. They paid like $50 bucks for a couple regular doctor visits. Anytime you need anything, or need to cancel/change your policy you CANNOT get in touch with a human. The self service system sucks and just keeps repeating itself, hanging up on you, or revolving you through the same options. I reached out to my representative after trying to cancel over 3 months ago, while they continue billing me, and she just referred me back to their un-attended phone number.

I had short term disability with Aflac through my work. When I got COVID-19 from my workplace, my employer did not pay me to be out. I was out of work for a month and spent some time in the hospital. Since I had Aflac, I put in a claim. Oh they did send me a check after about a month later with no response. The check was for $15, which is less than what l make in one hour. For a whole month of being out of work, I get $15. They are seriously a joke. When I tried to contact the customer service, no one would get back to me. I tried for several months with no response. After 3 months and quitting my job, I no longer had to deal with them. They charged me $13 a month for short term disability and the best they could do was send me $15. Save your month and don’t bother with this company.

I spent 13 days in ICU at the University of Michigan Hospital for my second open heart surgery starting on June 4th 2021. My policy with Aflac is suppose to pay me for each day I was in ICU. I provided Aflac with an Itemized bill from the University of Michigan, which was 29 pages long. It clearly identified the days I was in ICU as HC-RB- Inpatient-Intensive Care at $5,752.00 a night. In addition I signed an AU form authorizing them to contact the hospital to verify this information. This is what my policy with them call for. They in turn kept asking for the same information over and over again, even though their website clearly showed, they had it. This was on the first claim which they denied, filed on October 25th, 2021. I have been with Aflac for 30 years and always been very happy with them, until now.

I keep receiving robocalls from Aflac rep identified as Steve about Aflac sales jobs, even though I have blocked this number. I don't know how the calls are getting through. How can I get them fined? I am getting these calls almost daily.

If I could give this zero stars I would. I paid into my AFLAC for short term disability, as well as hospital policy and an accident policy for three years! When I had an emergency C-section for my daughter they did not pay me a single penny when I was told that I would be getting around $3500 to cover the eight weeks that I was out of work… but because I wasn’t bedridden they didn’t pay me a penny. So I spent hundreds of dollars over years just to realize that they don’t actually pay out unless you are basically confined to a hospital or a bed. If you break your leg but you can still Feed yourself, or get to the bathroom on crutches, or drive with your opposite leg and your doctor hasn’t told you that you need to be on bed rest for months then do not expect any compensation.

Been with AFLAC since 1984. Thank my lucky stars I have never had to use this insurance. Their CUSTOMER SERVICE is beyond belief. No customer service is MORE LIKE it. Make telephone appointment, now this could be anywhere from 1 day to never. Set up way too many appointments to count. No one to help when you need it, make telephone appt, WHY??? Online it states anywhere to 48 hours and claims are processed. Read the reviews, more like months to process. I will NEVER recommend this company to anyone. Email contact, is just as useless. Indicated they can't make calls out. I have worked in call centers, they make times available to follow-up with customers. They need to spend more money on Customer Service Departments, than on stupid TV commercials with stupid foot ball coaches.

I’ve been waiting for almost two and a half weeks for someone to get to my claim. Every time that I would try to contact them to speak with someone I’m always prompt to receive a scheduled call back which sometimes until the next day. I’ve emailed the claims department several times about this, also the customer service department, and no response has yet to be received from neither one. I wouldn’t recommend pet insurance from this company let alone human insurance. I’m still waiting since November 24th for my claim to be resolved. They lie about receiving documentation which stalls from them resolving your claim. LOOK FOR ANOTHER COMPANY BECAUSE THIS ONE WILL LEAVE YOU TO SINK.

Been with Aflac for years. Poor customer service with no communication. I will not recommend this company as I have in the past. I have been out of work since October with an injury. Submitted all paperwork and was sent a check in November. My disability has been on going as I had to continue testing with MRIs. When I sent the second MRI result as to continue with my claim I never heard from Aflac. Automated system, unable to speak to a live person. Multiple calls and finally in December I am told they would not approve claim as I have to once again resubmit paperwork. This is on going issue related to the original claim.

Every time I call, I have to schedule a call back appointment. For emails, they don't reply until a week later, and all they do is transfer to an "appropriate" department. Of course no answer from appropriate department. When I finally got to chat with a real person, I told the rep about the service, the rep was defensive instead of actually offering a good manner about it. The rep said the first request was on 11/23, and make an excuse that it take 7-10 business days. Actually the first request was on 11/17, the rep continued to be defensive. DO NOT buy any products from this company!! Horrible customer service! I would not go back to this company!

I have been trying to get in touch with a customer service representative for a week now, a real customer service representative not a robot. It is almost impossible. I am trying to help my dad cancel his policy, he is not very tech savvy so the daughter is here to help. After calling the general customer service number and not being able to get through numerous times I tried to call a different number and the lady mentioned she could only write new policies on her computer, she didn’t have access to policies that already exist. (They make it very easy for you to talk to somebody to write a new policy but impossible to cancel a current one) nonetheless, she was EXTREMELY rude to me.

My rep has absolutely no idea of the policy specifics or procedures of the product she is selling. I receive consistent misinformation. The lag times and lack of of communication can only be attributed to making you give up on the process and just go away. In what universe is an EOB from an insurance company not adequate. HORRIBLE!!!

Submitted a short term disability claim over 30 days ago. Is still in review. All paperwork has been received by them. Every time I call in it's going to be next day. Next day never comes. Their customer service representatives do not care care and by my disability claim being in for this long shows that the company does not care. They are quick to take your money out of your paycheck for your short term disability but then don't want to want to pay on their claims.

I decided that since the pandemic being in the nursing field my workload has doubled. So to be on the safe side I got a policy because I am a single mother living paycheck to paycheck. Had emergency surgery Oct 7th. Wasn't able to walk or do anything. Still waiting for them to pay me. Rent is past due. I was homeless before and now I'm worried I have to go back to work because I can't just sit at home. Not even fully healed yet. Every time you call they tell you the same thing. It is in review. It's going on a month now. I will b cancelling my policy.

I have been trying to file a claim for over a week. Aflac is demanding documentation that doesn't exist per the hospital. Every time I contact an Aflac employee I get a different answer ”the runaround”. The wait times are way too long, no one will help. SO FRUSTRATING!!!! Meanwhile the hospital is sending me to collections for nonpayment. I will NOT renew!

We have had Aflac Accident, Cancer and Critical Care policies for approx. 15 yrs. We have only ever needed to use our Accident policy other than filing Wellness benefits on the others. In the beginning, filing claims was as easy as sending a fax over and the claims dept. would process it within a few days and they'd mail you a check. Then, in the digital world of advancing technology, their system was updated where we could upload our claims documentation online which really sped up the process. Then they added direct deposit and things were literally golden! As long as you submitted the correct info, you could have your claims paid and direct deposited in under 48 hours. Sadly, Covid hit, and everything fell apart!