Aflac Reviews

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?.

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!

Agent comes into business in 2016 and I sign up for 2 policies, short term disability and accidental. Was working part-time so not making much. 2019 agent in business again and I sign up for 2 more policies providing new wages as I was now employed full time. June 2021 I suffer a traumatic injury at home. Start the claims as per instructions. My employer states my wages on the initial claim as requested. After numerous phone calls I find out my wages were never updated for my policies since 2016 even though an agent took all my new info in 2019.

They have delayed payments, requested verifications and not providing the necessary forms to be completed. You have to make an appointment for telephone call to speak to a rep and website just states in review. They continuously report they didn't receive documents. You pay them many years and they have don't want to pay anything. I have paid 29 years on time each month. They want your entire medical records. Nothing in a medical certification is valid. They use a book to say how long you should recover when each person is different and other underlying conditions could be impacting recovery. They don't explain any of this during contract purchase. I have been told to refer to my 29 year old contract when a certification from the doctor was good enough 289 years ago.

This is my update on my initial cancer claim and its progress. I have changed my original 1-star review to 4-stars based on my experience since my first post. My claim was actually paid within 12 days via direct deposit...a quick turnaround. However, today, Oct 28th, my claim status online still shows "In Review"...weird since it was paid on 10/18, more than a week ago. All in all, this first claim turned out to be a good experience after all!

After months of pre operative therapy, MRIs, then surgery which included post operative therapy they awarded me 0 (zero) dollars. I had my plan for three years and this was my first and only claim. I canceled immediately...Do not waste your money!

I have had my policy with Aflac for just over a year. My wife and I obtained coverage since we own a small business together and if either of us are injured it is a big deal. My wife tore her ACL this year, requiring surgery, and after filing her claim they offered her just $80. They provided no explanation of what was covered or why, or what was missing. After spending 9 hours on the phone with them and with doctors and sending numerous documents to aflac, they paid $900. Again, no explanation of benefits. On the Aflac website a torn ACL with surgery is listed as an example, with stated coverage of $2,400. Company is impossible to work with - they don't say what they are covering, why or why not, and that leaves us confused - and canceling this worthless policy.

I started a claim on February 4, 2021 for my wife who was hospitalized because she needed an emergency surgery to put a pacemaker into her. Ever since the initial claim I have been getting nothing but the runaround from this company. The first time I called to check on the status, they claimed that the UB04 form was too light. I then darken it and resubmitted the UB04 form, when they then said that they couldn’t see how long she was in the hospital, what type of room she was in, and they needed an itemized bill.

Cancer policy bought several years ago as payroll deduction through employer. Recent company change requires transfer to direct pay. Simple enough, right?? Not any more!!! I've spent hours trying to reset online login password, get customer service on the phone and get action via emails to corporate office. Today's 800 Customer Services has "4 HOUR call waiting". Even after contacting the sales rep and sending an email to the Corp office, no resolution. Now shopping for new policy with a different company!!

I had joined Aflac through my job. As I a member I was supposed to get paid if i was taken by to hospital by Ambulance, if I was admitted into the hospital for a period of time. Everything that this crooked insurance said that needed to be done for them to pay out was done. They still refused to payout. The sales agent said they were having issues with their computer system which they said delayed my enrollment even they had signed documents of the actual date of enrollment. I felt this company is a fraud and stole my money since they said they had issues signing me up but not taking my payments.

I have 2 policies with Aflac through my Job. They show up present themselves to our Company and we bite. I get accidentally injured at home. File a claim and turn in any possible paperwork I need for them to accept my claims. They continue to reject my claims and refuse to pay out. But are quick to take out those $20 a week from my paycheck. 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 been trying to change the direct deposit account for my mother's benefit payments for her long term care policy for three months. I have tried to contact Aflac in all ways possible and they refuse to make the change, since they say I should have access on their website. Which I do not, and have sent them screen shots to prove that they do not have the feature they all have referred me to. They will not even allow my Aflac agent or claims representative help me make this change. One interesting note is changing my mother's SS direct deposit to her new bank took minutes. Aflac is worse than the Federal Government for service.

The adjuster was more interested in meeting the 30 day deadline as opposed to understanding the claim and need to speak with the treaters rather than relying on forms that needed to be filled out by the physician. I was out on a stress related claim and wound up more stressful with having to explain and follow up myself with the doctors. In the end, I was advised that I was denied pay while out for 6 weeks but FMLA protected. Why—-because I was able to do math and comprehension problems. They failed to review insomnia, inability to focus/concentrate, headaches and everything else during COVID new way of working that was affecting my health! Terrible experience.

Aflac is the disability insurance thru my employer. I recently had lots of illnesses after Covid shots. My main treating physician has provided certifications and notes to support my short-term disability, However... (1) Aflac Delay Tactic - Aflac kept delaying my case; No return calls from case manager or no reply to my emails sometimes for several days, until I called again and again. After weeks went by without letting me know what the status is and what they need, they just denied my case.

Veteran here, had PTSD related mental break in April. Submitted VA Doctor's information who sent over list of meds and reason for meds with period of time. Aflac says not enough and want to see notes from therapy meetings to determine if I meet their standards of “?” because they won’t tell me what they are looking for. Very HIPPA sketchy.

Aflac used to have 1 day pay, NOT ANYMORE, now if you call customer service you have to put in for a call back because it was a 3 hour wait on hold, you can’t get any info when you do get to speak to someone and now they won’t even review your claim for weeks after you submit it. Aflac was great in the past. Now they are the worst in efficiency and customer service and quality versus cost of the premiums. I have just sold my stocks I had in this company they are going downhill.

I am currently still forced to pay this thieving company for their "service", as they won't release me from my relationship with them. Last year, I had a $23,000 surgery, forcing me to take 10 weeks off from work. After painstakingly filing their over complicated claims forms, getting signatures from employers, submitting accident reports, and more, and more, and more. Their joke of compensation was $268. That pittance wasn't even worth the frustration of making the claim. NEVER MAKE THE MISTAKE I DID! NEVER DO BUSINESS WITH AFLAC! I am looking into suing them.

I have had accident insurance with Aflac for my family for a number of years. I have used it twice successfully. I submitted my most recent claim 6/16 and provided documentation for each visit with all that they requested. The claim continues to say needs additional documentation despite the fact that I submitted it and they sent me confirmation emails saying that they received it. No additional emails were sent explaining the hold up. I then tried to use the chat function on their app. This feature is useless and did not help at all. It just stated again that documentation is needed. I have spend way too much money and time on this insurance and I would not recommend it to anyone.

I have been trying to get a hold of Customer Service for the past few days. Wait time has been anywhere from 2 to 5 hours. It is ridiculous that you cannot talk to somebody about your policy that you pay into. Trying to get information from the website is not very helpful. I have never had experience like this in my life. Very dissatisfied customer!!

I agree with prior consumer criticisms of AFLAC. Their customer service has declined dramatically with their online system changes. I tried to submit an Annual Wellness Exam claim today. It used to be very easy in the past. Now, it asks for exam or procedure like Mammogram. I select Wellness Exam, then it asks for provider information, then it asks for only procedures and no box is provided for wellness physical. If you don't select a procedure, the system will not let you proceed. They let you chat. I tried and kept getting a response that they did not understand my question. Called customer service. Got a recorded voice message, "Sorry we're busy, we can call you back in 2 hours"! Very disappointing degradation of service. My wife and I have had them for over 10 years and never experienced any like this.

Paid premiums for 2.5 years, 1st attempt to contact them stole an hour from my life. They are more interest in harvesting information for you than providing a service. On a positive note, they were very efficient withdrawing premiums promptly, never missed a paycheck, however should you discontinue service they will place "your responsibility to end withdrawal".

I will NEVER use Aflac again!!! I've been off 7 weeks and have spent time and money running around getting documents filled out then emailed in. They tell me they never received any paperwork. I resent it to the agent and she uploaded it into their system herself. I've been hearing 24 to 48 hours for review process to be completed. Then I'd be paid but a week and still nothing. An adjuster now has it so 24-48 hours again. I've never seen such a scam as this. I had to cash out a 401k plan to keep our bills paid. Paid a hefty penalty for that. I would like to know WHO holds these insurance giants accountable for the torment and suffering that they cause. They say stress isn't healthy... Well action needs to be taken against Aflac!!!

My husband has had AFLAC for around 12 years, I file all his claims for him. We started having claims 6 years ago. The process was very confusing at first, then got simpler as I learned. Then I was introduced to the “One Day Pay” online option...total game changer...this process was fast and easy and pay out was literally in one day. Now fast forward to approx 6-8 months ago..."One day Pay" disappeared and there was no explanation or warning of this happening...just all of a sudden claims are taking 10-14+ days to get paid out...(currently waiting on a claim to be paid from 13 days ago).

This is second time I had Serious surgery with a stay more than 23 hours in hospital and they won't pay what I am owed. I am sick and tired of fighting with them. Took 3 months last year to get what was due. On 3 weeks with this one. They hastily take my premiums but deny my claims. FRAUDS.

Believe all the negative reviews! I've had AFLAC 8+yrs, no problems until lately! Been trying to contact an AFLAC agent since Oct, 2019, I am laid off due to COVID 19. I have tried to call and used the call back feature, to have "someone call me back." I would still be waiting if I had not emailed them-- only to receive an AFLAC "Application for Specified Disease Lump Sum Insurance Policy in return. Really? I just sent my third email, and I was ON HOLD--since their agents haven't returned my call since October. Yes, my policy has expired--because I have been laid off and I can't afford the payment at this time. Like I am asking, does AFLAC have any pandemic relief? Why was my email/calls ignored? Why is this request, so confusing? And AFLAC thought I suffered a disaster, so they sent me a claim form. Their lines are worse than EDD! And folks--they do NOT call back. Or offer help. AT ALL.

I was diagnosed with Melanoma skin cancer. It required surgery and multiple different doctor visits and doctors. Aflac made the process easy and quick. Frank ** is my local agent. He was awesome too! Thank you Aflac!

I've been a client for 5 years and until this past year claims flowed pretty smoothly for the most part. They can't blame the problems they're currently having on COVID because their system was automated prior to COVID. Not only have I been asked to keep resubmitting docs that it shows in their system was received but they have started asking for additional docs for claims identical to claims paid in the past. It appears they're trying to annoy people so much that they forget about their claims. Additionally, I don't even receive an email that they need anything anymore. If I'm not paid after a week (used to be next day pre-COVID) then I have to go online and look at the status. They need to evaluate how they treat their clients.

Have had AFLAC cancer policy many years. I have only had minor claims, they used to be great and paid within a few days. Now I still don't know how long it will take or why their service has gotten so bad. Tried to call and was advised the hold would be at least an hour. I used to recommend AFLAC but they have changed.

This rating is meant to serve as a warning! Do not waste your money. Aflac does not deliver what they promise. Claims are rejected for ridiculous reasons. The agent who sold us our policy became unapproachable and proved to be dishonest. Numerous attempts to contact her with no response. She promised 1 day pay outs and her assistance anytime. We have made 3 claims for $2500 but only received payment ($205) on one, which required 4 "corrections" prior to payout. We gave up on the others. Worst company ever!

I've had Aflac for many years, still do, however, they do not pay out like they say they do. In fact, it is nearly impossible to get them to pay for anything other than the proactive stuff (the $50 reimbursement each year). I'll share 3 experiences in 2020, all were not paid, I finally gave up trying. First one, wife was doing housework and hurt her elbow, after a week of not getting better, went to doctor & physical therapy. Sent all records to Aflac, all the doctor records, Aflac refused to pay due to the fact that I couldn't prove it was an accident. How do you prove that? After many back and forth instances, I've given up because they say the doctor records need to say it was an accident, but I can't control what the doctors write in their records.