Aflac Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

I fell in my home. I had several fractures. I went to the hospital on February 21, 2021. They have my doctor’s form and employer’s form. Neither the agent nor Aflac reached out to me. I have had to call and text the agent several times. According to the agent I also needed to give a written description of my own. I still have not received a check from Aflac. According to Aflac they needed that from the doctor. Aflac claims the form sent by the doctor was incomplete. I have contacted Aflac, the doctor, and my agent several times to no avail. They are suspending my claim.

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.

I had Aflac for two years. I had a surgery and I am off for three months. Aflac has not paid me anything. They keep denying my claims. I have sent over document. They asked for legit documents from me my employer and doctor. Still they will not pay me. I’m also not able to contact my agent. He never answers his phone. I leave messages. No call back. I text him. No response. I’ve recently filed a fraud claim against them through Federal Trade Commission and am going to email the attorney governor for Texas and Ohio. I do believe that's the state it’s based out off. Do not let these people fool you put of your money with that stupid Aflac duck.

Aflac is worse than State Disability when it comes to paying out claims. I submitted my claim back in December because I was in the hospital in November for Covid and I only receive $406. They pay $20 a day. My doctor said I was not able to return to work as yet, All the information was stated on the claim form I had to call them back in January 2021 to see why I did not receive another payment. They told me that I need to fill out another claim paperwork, filled out the paperwork send it to them on January 12, they sent me back stating that they need a copy of my Social Security card, sent them the information and still have not received a payment yet. As of January 30, 2021 still no payment, you call customer service, they put you on hold for 2 hours.

Have a few policies with Aflac for myself and my wife through my employer. On 4 of the 6 policies, they have a wellness benefit that pays between 50 and 60 a claim for doing things like a physical / annual checkup once per year. Filed a claim for all 4 policies in February of 2020. Kind of forgot about it, but around Jul 6 I recalled that I didn't receive anything so I called to figure out what happened.

I have had a cancer policy since 2008. Every time you call the wait times have been between 1 hour and 1 hour and 45 minutes. Then to also find out when they do call you back that claimed will be processed around a certain date at the end of the month. They used to have claims processed in 3-4 days but now it's whenever and whatever date. To pay the premiums promptly they want your money immediately but when it comes time for them to pay you you wait forever.

Every negative review about this company should be believed. We had to file a complaint to the Virginia Bureau of Insurance to get our final payment. They have the run around down to a fine art. When you call you have to chase a real person. Then you are put on hold while they "look into it" or "consult the claims department". They ask for unneeded information such as a detailed itemized surgery report even when they have the diagnosis from an oncologist as well as a biopsy. You send what they want and when you don't hear anything you call and go through the same phone disaster only to have someone say they didn't get it. Then you repeat this same process until you decide you cannot continue to fight cancer and AFLAC at the same time.

January 2020 I received a promotion to Supervisor. After passing my trial period I then became eligible for full benefits. I was told that I could sign up with Aflac. After being interviewed by salesman over the phone I got a couple of products including short term disability policy. Sept 30 2020 I was diagnosed with a heart condition after going to the emergency room. I was kept in the hospital on a Sunday night and had open heart surgery on Wednesday. Since then I have had to make over 20 calls to Aflac about my claim. Each time I have to wait hours for a call back because they claim to have an unusual amount of calls the entire day. I keep getting letters in the mail stating the paperwork was incomplete or they need additional documents.

I have paid on a cancer policy for many years. I was recently diagnosed with breast cancer and had a double mastectomy. I am FIGHTING to get any money from them. My agent's phone # is disconnected, I am currently on hold and it has been 57minutes, and I am also using the chat feature. Their entire goal seems to be NOT to pay out unless you turn in more documentation than is believable. My pathology report wasn't enough. On and on. Forms are generic and don't match the situation. I have a 4000.00 IMMEDIATE cancer diagnosis benefit, that should not require me to fight this hard. I don't need this type of frustration on top of everything else. I truly feel like they put up so many roadblock that many people probably end up dropping the whole claim.

Had knee scoped in August. STD was filed 9-22. Still have not received anything from them. They always need some other form when they have all the information there. 0 stars for them. I have called numerous times and I cant count how many times I've heard 24-36 hours.

I have had Aflac for years and it has helped me from accidents to skin cancer. You do need to understand the plan you pick. I LOVE MY AFLAC!!! I would recommend it to everyone!! Listen to the person explaining it to you as my friend tried to turn in a cancer claim as an accident and of course got denied.

I have had Aflac since 1999 and never a major claim, until June of 2020 when I injured my back and had to have surgery. Then I had to fight tooth and nail to get benefits entitled and still not ALL what is owed.

Updated on 11/28/2020: So I was supposedly denied for "Pre Existing condition." I will recommend The Principal Group. I had another policy through the company I work for now that mind you didn't start till September. For the exact same claim I am now receiving checks for 60 percent., No problem at all. And I was barely over the ninety days. The Principal is a company Aflac could only dream of being. THIEVES. They finally forced me to cancel my policy with them. I refuse to keep paying 253 a month to a company that does nothing while another company (The Principal) never gave me a problem. THIEVES!!!!

As a member of the HR department, I signed up for Aflac insurance. The Aflac saleswoman, long affiliated with our company referred to the cancer benefit with quick payout. After signing up. I later underwent brain surgery with 3 week hospital stay. After filing claims for the cancer surgery and home care, I was only given, $100 for the cancer, claiming the surgery and care did not qualify as malignant cancer. I feel misled by her sales tactic and have requested a review by my company of misleading professional sales conduct which do not meet our company standards of honesty.

The company I work for buys a short term disability policy just to help keep money coming in. They chose Aflac because of their advertising. In my case, I became ill and had to miss many weeks of work. The forms are confusing so I decided to make a call. I do want to say the people are pleasant, but that’s it. You fill out the papers then send them in. The doctor does the same. After a while you call back because nothing is happening. That’s where it really gets ugly. You’re told you filled it out wrong, so you do it again. Wait and once again call. Once again it’s not right. 9 times I’ve been told how to do the papers and each time something is not right. Dates, dollars are never right. I’ve come to the conclusion that the company wants you frustrated enough to give up. You give up they don’t pay. I’m almost there now. I now understand the mascot theme. They keep “Ducking” the solution.

4-29-20 I went to the emergency room for a severe headache. Had an emergency craniotomy for 2 one inch tumors near my cerebellum. Turned out to be cancer from unknown primary. Spent 30 days in a recovery hospital, 10 sessions of whole brain radiation, 4 rounds of chemotherapy. I am left with using a walker, cognitive impairments childlike mannerisms and list of other problems. Aflac has denied my SHORT term disability claim. I have spent months playing their game with paperwork. Dont waste your money people.

After my father's passing, AFLAC took out premiums for two months because they demanded a death certificate for proof of death. After receiving the death certificate (this takes time, the county health department may or may not be timely), I faxed it to AFLAC. I called to make sure they would reimburse the premiums that AFLAC took out automatically from my dad's checking account. They could not promise that they would. I asked to speak to someone in policy and customer service would not transfer. I asked to speak to a supervisor and "James" from customer service would not transfer. So be prepared to pay premiums even after you die for AFLAC health insurance. It might be legal, but it is not ethical. You will be dealing with a company that does not allow you to speak to anyone except whoever you get in customer service. You will not be able to speak to anyone who makes decisions or anyone in charge.

I've had accident and disability insurance with Aflac for about two years. When the pandemic hit the tourism industry hard, I emailed my Aflac agent in April 2020 to let her know that I was concerned about job loss in the future and was considering lowering my payments or possibly cancelling altogether to save money. She immediately called my cell to tell me that while I was already paying the minimum on accident insurance (@$24 monthly), we could look at lowering disability insurance payments in the event of job loss.

Last October my husband was hospitalized with blood clots. Very close to dying. Ended up in ICU on a ventilator. We had to fight Aflac to get any money. 4 plus weeks later we get 33$ a day. Coworker goes to hospital with a hernia. He let it go so it was bad. He gets over 5000$ in less than a month, with checks still coming and the man is back at work. Never had to argue. My husband almost dies. Coworker not there. We get next to nothing. He gets more in one month than we did the entire 3 my husband was off. Guess the meaning of CRITICAL illness should be researched by aflac.

I signed up for disability/accident coverage first time ever not realizing I would have to use this. 11 months and 4 days later I have surgery to get the quality of my life back. With the knowledge of this happening I asked my agent what I would need and what coverage I had available. He outlined what was available and sent me all the documents. Afterward the surgery and submittal of the paperwork I got two payments with no communication as to what I was paid for. After no response I called the customer service line and after that awfully lacking in information call they explained my doctor said this was due to a pre existing issue.

This company not reputable. They take your Money weekly (70.00 weekly for 4 policies) then when you file a claim they make you jump thru a million hoops to get your claims paid. We've had it for 7 years and never used it once. Now we are having dental work done and every claim they play game with. They tell you that you need a certain form that doesn't make a lot of sense to the lay person. Then when we upload the completed form it just sits there until we call and yell at them.

These guys won't pay. Terrible customer service. I had to reach out to them multiple times and received no return. The HR dept at work became involved and someone finally called. After literally weeks went by trying to reach them my claim was quickly denied even though I was hospitalized for two days and had a fairly major surgery. By the way, they won't pay until they receive an itemized bill from the facility you were in. As you know, that often takes months anyway. So the long and short of it is they don't pay and even if they decide to you will be back to work long before they send a check. Their entire ad campaign is a lie. AVOID THIS COMPANY!!!

Aflac always promise you the moon and stars. When you make a claim, always falls in the wrong category or the clinic or hospital doesn’t apply or any other stupid excuse. Save your money, don’t give it to them. They have the best plans to NOT pay you.

I have a employer policy with Aflac. I ended up going on short term disability in June 2020 for complications of pregnancy and today now Aug 18, 2020 I have been told that my claim was denied for pre-existing condition.

I have been a customer of Aflac since 2010. Been filing claims since. On 7/4/20 my daughter was in a car accident and fractured her neck in 3 places, had surgery and rod inserted in spine. Even after submitting Itemized bill (not UB04) due to insurance reasons, physicians notes, police report and operative report, Aflac denied my claim. The auditor says he called hospital and they could not verify her stay from 7/4-7/9/20. He sent a letter through portal that had MY name listed vs hers. I have called numerous of times and submitted a complaint via the portal on 8/3 and have yet to receive a reply or follow up. I have called in 3-5 times daily since 7/27/20 to get updates regarding my claim. I was told on Thursday 8/13 to resubmit. I did and today, 8/17/20, it was assigned back to the same adjuster who denied it yet again, stating hospital stay could not be verified.

All you need is the facts.. Had Aflac added to main insurance through work. Roughly $20.00 additional charge monthly for coverage. Had 4 years before the accident. Got hit on my Harley.. broken leg and ankle.. Ambulance and surgery $60,000 in medical bills $4,000 out of pocket..Aflac paid me $268.00. That should be enough.

Recently my mom passed on June 28, 2020 and I found her life insurance policy for Alfac. When I tell you this has been the hardest and most difficult grieving period with these people, they are horrible. While I know it's not their fault that my mom has her insurance policy designated to her estate, just trying to get a portion of the money for funeral cost is hell. Most insurance companies will accept what is called a 'working death certificate' to prove proof of death but these people are only willing to accept the actual death certificate. Like how am I supposed to bury my mom.

Had surgery to repair 4 areas of knee where I got hurt in accident at work. Aflac paid me for surgery without repair because of the heading on operative report. It was exploratory surgery because the drs didnt know what was wrong. Instead of reading report to pay correctly, they paid me for what was on heading. Even looking 2nd time they didnt pay me for the repairs to my tendon and other areas. Again went off of the heading of report. 2 weeks later 2nd look was denied. I have 8 pictures showing the surgery, damage, and repairs. The report states in it that areas were torn and repaired. But Aflac protecting their money didnt read the report, only the heading. If anything ever happens seriously to you, do not expect them to pay you. 45 days for me to appeal this. Screw them.

This company is a rip-off. They will take your money, Show You commercials that say they're there to help you when you're in need to pay bills if you have an Accident Injury or illness and end up in the hospital but when you file a claim no surprise – your claim doesn't fall under any of their subtitles. Don't waste your money with this company. It's a rip-off. They're they're just there to take your money and will never pay out.

After all the back and forth, I am happy to report that I received my refund.

I got this policy to help out. It I had a problem while working. I had an accident at work and needed a shoulder replacement. It was bad being out of work on Worker's Compensation. Several hundreds of dollars less than my regular paycheck. But I had a Aflac Disability Policy so that will Help Right? No! Not on an at work accident. Also I will let you know that depending on Your Employer they Does have to pay you ANY of your accrued sickness time while off. They can... But they don't have to and are not required to by law. My Employer of almost 10 years did not....

I purchased four AFLAC policies (two for myself and two for my spouse) in January 2019 when I onboarded with my new company. It has been taken out of my biweekly paycheck like clockwork. I've never had to file a claim until this year. I suffered a torn ACL the first week in March 2020 and found out I had to have surgery. On March 11th, I called AFLAC to file a claim in advance of my surgery, only to find out, I wasn't in the system. They had my old policy from years ago, but not my new ones. They said give them 7 days to get me in the system. I thought, 'No problem. I've never filed a claim before, so that would make sense'.

I had short term disability with Aflac. They paid nothing for my disability.... They did not approve of my er visit, or my time off... I will never pay for this additional insurance again... Just another scheme to dupe you out of your money! Don’t do it!!!

I signed up with my employer as an additional benefit without fully understanding what the insurance was for. I had a dental policy and a hospital indemnity policy and a cancer policy. Each time my kids went to the dentist - they would send me $25. One of my kids got xrays - they sent me $50 for that. The checks come in less than 10 days - paper checks straight to your mailbox. It was very easy to file claims online and the money honestly felt like free money because I was not expecting it (even though I know ultimately I had paid into it prior).

Make sure you ask to sort these reviews by most recent. You will see nothing but a full page of one star reviews and if I could give zero stars, I would. I have had this coverage for 3 years through my employer. This was my first attempt to actually file a claim with them. I will NOT be renewing. My daughter had emergency surgery in 2019. Here is how the timeline for this claim follows - OH and KEEP GOOD NOTES when you deal with them.

What a joke. Don't think about it. I got Aflac thru work and the lady was all helpful, then when my kids were hospitalized and we had extra bills, Aflac said you didn't click on staying overnight at the hospital, and claims were denied. They get you a technicality. Completely useless, unless you like to gamble.

High cost, low, VERY low payout. Was lied to and put off, meanwhile my bills were still coming in, cancelling ASAP, run away people. Run, why would people pay this ridiculous amount for nothing, I'm done.

When you file a claim they make you jump through many unnecessary hoops hoping you give up. Their agents are good to sign you up and take your money but useless when it comes time to help with a claim. Once you file a claim they begin making request after request for information. I had a heart attack and they claim I didn't. My cardiologist told them I had a heart attack and the ER Doc verified elevated enzymes in my blood. My artery was 95% clogged and I required 2 stents. 3 days in the hospital and NOTHING from Aflac. They denied my claim after I sent them gobs of paper. Do not use aflac unless you wish to give money away.

My situation has been most unpleasant, being my mom's ONLY next of kin I've had to handle her claims on her behalf; due to an untimely death on Christmas Eve. It is now March and they've yet to get it right, disabling me to grieve. Every time I call back for some clarity I have re-explain the whole painful experience all over. I'm convinced that at Aflac, the right hand doesn't know what the left is doing.

I've been a member/customer of AFLAC for 19 years. In the past when I needed their service they did assist me financially. Possibly the sign of the times of financial woes, their company has changed & they don't honor claims like they did in the past. I am 71 years old but am still a full-time employee and was paying AFLAC faithfully. In December 2019 I had a total knee replacement & hoped they could assist me but they sent a letter stating I'm past the age limit of 70. I persisted by calling their call center but kept getting instructions to get more medical information & documents. Until it became apparent they were finding more reasons to deny the claim.

I have left several messages for my 'agent' to help me with filing claims and get no response. When I try to enter a claim online I get sucked into an eternal loop asking me to complete steps I have already completed. When you call the helpline it is an hour + wait to talk to someone. I can't even figure out how to cancel my policy!! Would never recommend this BS to anyone.

My husband had a heart attack Jan 16 2020 and we started our Aflac claim for his rider policy and short term disability on 1/17/2020. We still have no money and have sent them over 300 pages of documentation. They want more. We send it to them and now they are saying they need another 10-14 days to review all the information because we have sent in too much information. So we still sit with 1 income and no money even though we pay our policies on time every month and never miss a payment to them. We have talked to their representatives with chat and over the phone and none of them can give us an answer so they put you on hold for long periods of time and say hold 5 more minutes and then eventually tell us they don't know why it's not getting approved. Very Frustrating. I would not recommend them to anyone.

Every month I have to call my employer representative to advocate for me regarding my payment!! The people the have working at Aflac group who are responsible for getting your paperwork & sending it to auditor are less than competent!!!! I had my surgery on Nov 2019. I called on 2/7 to make sure they received my Continuing disability form. They told me I needed to know the fax # it was sent from to find it! What a load of crap!! My employer support person called & they found it! It is now 2/12. NO FUNDS HAVE BEEN DEPOSITED IN MY ACCOUNT!!!! I go through this every 41 days!!! The people that are handling our cases are incompetent!!!! After this I will be dropping Aflac!!!

Paying for Aflac for almost 4 years. Recently had 2 claims where I got injured while working. They denied both claims citing needing more information. I sent every document there was. Just keep getting the run around when calling them. It is absurd. I will never use aflac again and no employees of mine will either. It is a crooked company and if there was a way to get all my payments back I would definitely pursue that as they did not honor their side of the contract. I have no respect for this company that preys on people who get injured and are looking for some help with bills. Should be zero stars.

I was admitted into the Hospital back at the end of Sept. 2019. I filed my claim in Oct. 2019 an I am still trying to get everything settled and this is Feb. 2020. Every time I call in they keep saying it is under review or they need more information but when I call in to see what they need I’m told that they have everything or they are waiting for some information from my Aflac representatives. When I call my representatives they are not aware of any information that they may need. I am tired of getting the run around. I just want some straight answers or someone who can offer me some information.

I had Aflac services about 10 years ago and tried to use it. They made it Impossible with what seamed like hundreds of forms to fill out. IN December 2019 when called to for the new 2020 year company health plan I was asked if I want this services not ONLY DID I SAY NOOO I SAID HECK NO NEVER! I am absolutely dreading what kind of NIGHTMARE THIS IS GOING TO ENTAIL to remove this service. AND NOT ONLY THAT WHO OR WHAT DID THEY SHARE MY PERSONAL INFO WITH.

My husband had an injury at work. He was sent to the emergency room. They suspected a hernia. He was told not to return to work until he saw a workers comp physician and was cleared. It took two weeks for his caseworker to get him and appointment with a physician. The physician examined him and said he could return to work in another two weeks. He was out of work a total of four weeks. I submitted all the claims forms to AFLAC and the claim was denied. They stated that benefits only begin the 15 day of disability.

My wife and I were expecting our second child. Her work offered Aflac. We purchased the insurance after asking the agent and then the call center repeatedly that the pregnancy would be covered even in the event the baby came early. When the baby finally decided to make his appearance it was early, under a doctor ordered cesarean. We submitted our claim, to have it denied.

We have paid into Aflac for over 6 years. My husband had surgery in mid Nov, we received a partial check because they put the wrong date down (took 1 1/2 months to get that), it is Feb. Still waiting for the rest of the check. Been lied to by Jenny the customer service rep in Wis, then talked to her manager, lied to again, said check was pushed through a week and a half ago. Called claims this morning and check was finally cut yesterday! This is supposed to be insurance to help while you are off not 3 months after surgery and 6 weeks after you have been back to work!!! Completely Dissatisfied!! Will be dropping Aflac as soon as I receive the check!

Aflac has some great policies. The policies that have have very clear payment Guidelines is the way to go. The short term disability policy is a Joke. Generally takes at least 3 submissions (minimum 6 weeks). The most recent had been 11 submissions. Come to find out the federal government considers stage 4 breast cancer a disability, but apparently aflac does not. It has been a horrible 17 week fight to get my 50 dollar a day payment. I've had all my policy fpr 15 years. The short term disability always proving to be extremely stressful. This lasts 17 weeks fighting for my disability payment, so I can worry just a little less, about how cancer has taken over our lives mentally and physically. this recent short term disability claim has proven to be overwhelming, all consuming, challenging, anxiety fill, chest pain giving, experience.

At the day of signing up for Aflac at Kitchen Farms the representative told me for short-term disability that they pay out if I get hurt at work, if I get hurt at home or any other place. Come to find out after a year later that's not true. They do not pay for work-related injuries on a short-term disability policy. This was never disclosed to me at the day of signing. I was lied to about it. I have called Aflac several different times. I have sent them several different emails. I have been very polite on the phone and corrigible. They have not called me back to resolve this situation. I'm asking for all of my money back that I have been paid them being that I was lied to and gave have them plenty enough opportunity to take care of this. The next step is small claims court. I have found an attorney to take the case. They will pay gas mileage, attorney fees, loss of wages. They only owe me $250 and I'm suing them for 5,000.

The idea of Aflac sounded great. I got a short term disability to supplement my short term disability through work. I also had accident. I had hip surgery and got denied twice for the claim as they said it was pre-existing. I specifically asked my rep about pre-existing and he stated that I would be covered once my policy started. He didn't mention anything about having to wait 12 months if it was pre-existing. Either he was incompetent or lied to me. To top it off, he no longer works there so it's nothing I can even dispute. What a waste of money-cancelled both policies. Aflac wants to work as hard as they can to get you to sign up and then deny your claim.

I contracted type B influenza on Christmas day, 2019. I've been off work for 5 weeks. The Aflac computer dashboard wouldn't do a smart claim, so I had to call my local agent. I fulfilled every request they made, and after numerous calls, they said I had all the paperwork in, but the review would take 7 to 10 business days. That will be 6 weeks sick, with no income. Obviously they liked collecting my monthly premiums for 4 years, but don't like to pay out. If I had put that monthly payment in a savings account, I would have had double what my payout will be, and I would not be broke, and behind on bills. Also, their telephone answering system doesn't work. Bad phone service, bad computer program, bad review of claims, bad payout history equals bad customer service.

I signed up for Aflac disability insurance are the beginning of my employment on 9/4/18. I was diagnosed in a rare autoimmune disease in 2019 and as of 11/11/19 was no longer able to continue to work. My Human Resources person told me everything was paid up and to just contact AFLAC to set up payment to continue, which I did on several occasions. It was very confusing with each representative telling me a different story but finally I talked to someone in December who informed me to send in a payment of 116.16 postmarked by the end of December and there would be no lapse in coverage. I did as asked, filed my disability paperwork and received notice that I was not going to receive my benefit because my coverage lapses on the 10th of January. My claim was submitted on the 10th and payment was sent as told. I never received any notice of cancellation or lack of payment. This is insane as I did everything they told me to.

I have had Aflac insurance since 2008. I signed up through employer, but shortly after the company closed and I continued paying for my insurance. I have accident, illness, and cancer policy. I used to have short term disability but it became too expensive. I am not sorry I cancelled it due to the reviews I have seen on others that really need payment. I have never missed a payment in all these years, and only used it for preventative care each year and for a minor surgery years ago. I went for major surgery and had to put several claims through my illness and hospitalization coverage. It has been so painful and difficult to receive payments. They try to deny everything you put in, and there is no such thing as 24 hour payments. I had 2 hospitalizations due to this illness.

My Mother purchased Long Term Care Insurance many years ago and never missed a payment. At age 96, upon admission to a Long Term Care Facility, a claim was filed for payment. The claim was immediately denied. Now, 6 months have passed and the last communication we received was a letter dated 11/22/2019 saying AFLAC is still reviewing the claim. We contacted AFLAC two weeks ago and got the same answer. In addition to submissions by my Mother's PCP, and the LTC Facility, we have submitted everything AFLAC requested. I have written the CEO of AFLAC...no answer. I spent at least three hours on the phone last week trying to get through to an agent. The normal wait was over 50 minutes. After I finally got through, there was no solution to the problem. Mother has two other policies with AFLAC....will they pay on them when we need them?

So I've been employed by the same company for the past 7 years. I've had Aflac since I became full time. I finally had to use my short term disability due to a surgery. I turned all of my paperwork in on Dec. 16, 2019, aside from the part the surgeon filled out. She then faxed her papers on Dec. 17 directly after my surgery. I received one small check and an email from my agent saying to expect the payout. He then told me to let him know if I would still be off, to which I replied that I would be off of work until I returned on Jan. 7, 2020 after I went to my follow up on Jan. 6. He said, and I quote: "Thanks for the info!". So the next week comes, and no email. No money. Nothing. I emailed again to ask why I hadn't received the next payment. I was told that I had to fill out a continuing disability form to get that money. I asked why since I had already turned everything in they asked for.

My husband has been paying for short term disability insurance for quite some time. He had a total knee replacement before Thanksgiving. All documentation was filed. We received one LITTLE check. It is now Jan. 15 and my husband is back at work and we are still waiting for his check. The representative in Easley, South Carolina never answers his calls or emails. The HR person at the company for which he works has stepped in and had not been able to contact her. She is incompetent and does not care about AFLAC'S clients. If we did not have money in savings to cover his missed paychecks, we would be in dire straits right now. He will most likely cancel his policy because of this. The corporate office needs to check into this representative.

Aflac Sales people call and stop by unannounced one or more times per month. We're a 10 to 20 employee business whose time is valuable. Aflac appears to have no means of removing us from their attack list, despite numerous requests. Disorganized and pesky is probably not the reputation Aflac seeks. No means no. My business will never enroll just because of the sales experience. Please get your act together on this front Aflac!

I have AFLAC for about 5 months, I had a bad incident resulting in a fall (accident policy) and then Hospitalization with surgery (short term disability). Both claims were filed on the 12th of December and as of this writing a month later no funds. All bills and paperwork have been sent. I called and asked the status. They said they received a lot of claims, then said the copies I faxed to them were dark. If that's the case AFLAC needs to do two things, notify the customers of the delay and ask for different copies. The third..... as I only said two.... get rid of the 'Claims Paid in 24 hours' pitch... It's a LIE. I have been out of work since the 22 of November and still not a dime nor email or phone call.

I have had Aflac short term disability for going on 3 years. Never had to use it, till I was diagnosed with cancer. I had to have surgery done, which resulted in having top go off work for 2 months. I filed a claim, did what Aflac asked, and only to be told that, "my case is under review for pre-existing condition". The condition started in July, 2019. I had been paying for this insurance for almost 3 years through my job. How can they say pre-existing when I just got cancer in July 2019??? I will never ever recommend Aflac to anyone. I will let my co-workers know also about it. This insurance takes your money, but don't want to pay out when you need it.

My husband was in ICU for 3 days. He fell off a ladder on 12/21/2019 and Aflac has yet to pay. They paid for the hospital stay but they have not paid for the ICU benefits. I sent over the discharge summary and the itemized bill and nothing still has been paid.

5+ years ago I purchased 2 Aflac policies through my employer, one of which was an accident policy. I was young and didn’t have any health issues, but I thought, “Eh, you never know. It’s good to have extra coverage. And it’s only $28.** a month.” And, at the time Aflac advertised their product as being useful for “pain and suffering” and “a way to pay your bills when you’re unable to work.” Fortunately, 5 years went by and never had to use the policy. Awesome! Until I did.

11-29-19 I had a heart attack, scary nevertheless but I survived and had a stent installed in the OM artery. Remembered that this really nice lady came to our companies office selling Aflac. As a mid sized company we decided this may be a good benefit. I signed up as well as the majority of our workers signed up. I chose the accident policy and hospital indemnity policy. I have submitted my claim 12-3, had it escalated 12-20, have called every day to check on it and get the same run around from the same call center zombies that say the same thing, "we appreciate your patience but we have no new information to give you."

I have a company policy with Aflac for Hospital Indemnity. This has been the longest process of my life... I filed a claim on 12/12/19 for a surgery that I had on 12/4/19. I was supposed to be outpatient but had some minor complications so I had an overnight stay. I informed Aflac that everything was billed under my Or services and that clearly if I was admitted on 12/4/19 at 545am and discharged on 12/5/19 at 440pm clearly I was not in the hallway all that time. They sent me a check for $100 dollars for confinement and that was unacceptable.

For the past couple of weeks I have attempted to contact Aflac about a reimbursement to my account. I have an auto draft set for the 28th of the month. But last month due to Thanksgiving my monthly payment was taken out 7 business days later. This caused an overdraft fee to occur. When I called to advise and complain, I was told to submit records of the overdraft. After submitting I called to follow up and was told unfortunately Aflac drafted the payment as specified within 3-5 business days then it changed to up to 14 business days. I am so sick of this company. I have been a loyal customer for 3 years and only requesting what is fair. But they clearly could care less about my needs as a customer.

I signed up for Aflac through my employer and filed a claim over 6 months ago and am still fighting with them to get this paid, this company is the biggest joke I have ever dealt with. Every time I call customer service I get a different story as to what it is that they need and I have done most of the work myself. I had to contact the hospital and tell them what Aflac needed and have them send the info to me and then I sent it in. They have had everything that they ask for for well over a month now and they keep telling me they dont. The hospital sent copies of the three fax confirmations that they faxed to AFLAC three different times, yet AFLAC is saying they did not receive anything. I finally started asking for supervisors but that isnt really doing any good either.

Updated on 01/10/2020: As I mentioned in my last review of AFLAC. I have been a customer for over 15 years and have always had good things to say about the company and service that I received in the past. I will say that like everything in life it seems to have changed and not for the better. As of today (1/10/2020) I have not heard absolutely anything from AFLAC with regards to my Appeal which they received on 12/9/2019. Not one letter or email acknowledging receipt. And when I call all I get are the scripted responses from their lackluster Customer Service Reps.

I have AFLAC through my employer and recently submitted reimbursement for a wellness exam. I submitted the paperwork and a check was mailed after providing my direct deposit. Needless to say, the check was never received. The reps that I spoke with never realized the address was wrong until the 8th of complaining of not receiving my check. I've had over 10 conversations with several people who seemingly repeats a similar lie. I've done due diligence by paying the policy but 8 weeks later, no check. When speaking with supervisors, they repeat a similar well rehearsed lie. Just shy 2 months and the check has not be received. Wellness checks typically arrive within 48 hours. Absolutely senseless from beginning to end.

Trying to paying my mother's policy for 7 weeks, on hold from 35 min to over an hour 7 times before I had to hang up. AFLAC is too cheap to hire enough people to answer the telephone. Tried to pay online, not possible without jumping through hoops, asking for information I do not have. All ANY business needs is the account number and TAKE MY MONEY, I seriously doubt there is an epidemic of strangers calling in to pay other people's invoices. 3 emails, ZERO Responses. Now nasty gram letters for not paying it. ** believable. These people are at best business practice challenged, at worst and most probable, just stupid.

I've been paying premiums for three years and never needed to use Aflac until my husband tore his meniscus. We were not able to get in to see the orthopedic doctor right away. It took us over a week. Eventually my husband underwent surgery to repair the tear. Aflac refused our claim because on one of the Drs. diagnosis was arthritis along with the torn meniscus. They denied the claim because they stated that surgery was not needed for arthritis. Secondly denied because my husband was not seen within a 168 hour period of when his accident occurred. First of all Drs. do not operate on arthritis. Secondly the fact that we could not be seen within 164 hours was out of our control. I will be sure to tell everyone in my organization to not waste their money on these premiums. What a scam.

I have been a client for aprox. 13-14 years, lately i have had to have surgery on a broken femur and damaged knee (ACL-meniscus) which is going to have me unable to work for aprox. 5-6 months, my surgery was oct.6, 2019, i am still fighting with the companies claim department which they are constantly are giving me problems in regards to my employer questioning the company,my wages etc..

I've had Aflac since 2017. The first hospitalization policy was cancelled by Aflac and I still haven't gotten the real reason as to the cancellation. The policy was paid monthly via autopay from its inception. They cancelled because the quarterly payment wasn't paid... I had three policies and they were all paid monthly via autopay from my checking account. The other policies were fine, but ironically the cancelled hospitalization policy is no longer offered.

When getting ready to have my second child I called Aflac to make sure everything was good to go on my policy on regards to maternity leave. They were also made aware that I no longer worked at my recent job and that I would be paying out of pocket for insurance. So for 10 months following me not working there you collected money. I then called multiple times to confirm what I had to do to receive maternity leave pay. Each agent said everything was good to go and even gave a date when to expect first check. Well when that date came I was told no I would receive nothing. You guys took my money under the premise that I would receive benefits as promised. You guys were dishonest and have zero integrity. Maternity leave was the main reason I got aflac.

I made Dr appointment - but was not seen within 72 hours of injury, since the pain was not that bad. The day it became unbearable I went to Emergency room and needed surgical repair. AFLAC is denying my claim due to the 72 hour clause. I did not go to urgent care 1) because it was not urgent. 2) I did not have the money for the copay. 3) I did not realize that I had to be seen within 72 hours. I am now unfortunately locked into the insurance - since I have missed Open Enrollment. I am very disheartened.

I've had AFLAC with my job for 3 years now. I don't have anything negative to say about the company, as they have always done what they say they will do for me anyways. I've never had a problem getting my Hospital Indemnity insurance claims paid out. It has been a blessing in disguise as I get sick quite frequently and wind up in the hospital. I find claims get paid out quicker if you email them all the information they need. It also doesn't hurt to send them a little more than what they ask for. If they need a UB 04 send an itemized bill as well. As long as I've submitted everything they need and asked me for I've never had any problems with any of my claims being processed and paid out quickly usually within four days to a week depending on if I fax information or email it to them. The AFLAC representatives are always very helpful and very nice. I've never had any problems with any of them. Keep up the great work AFLAC.

I have filed complaints against Aflac with both the BBB AND CDI. I was out of work for 6 weeks. I had back surgery and have already returned to work for two weeks and NO BENEFITS. I have been lied to... Everyone told me a different story about what happened to all the faxes that had been sent MULTIPLE times. NO ONE there cares that their incompetence causes hardship for thousands of people daily. I TRULY believe they think if they yank me around until I start getting paychecks at work again, I’ll just say, “Forget it! “ and give up. I’m sure they must have one or two decent employees. I’ve just never met, spoken or dealt with them. I’ve dealt with arrogant, condescending, know it alls - who know everything except the TRUE answers to my questions. Beg your human resource department to look into a different supplemental insurance provider. #aflacsucksduck**

It’s been almost 6 weeks since I was in a serious accident limiting my employment to light duty and I have received no payment for short term disability. Been calling and getting lots of different responses, but no deposits. It’s looks like I’ll be released to work before they pay the claim, I hope... This claim was completed by all parties, including employer and physician over 3 weeks ago, but no pay has been made.

I have a policy through my work that covers myself, spouse and children. My 18 month old son was injured severely and required a hospital stay with an MRI. I have been trying to file a claim for 4 days since the accident and cant. Online verification to retrieve my policy number "cant verify my identity". I've called many times and have waited many hours for my call to be hung up on. The online chat puts me in a queue to wait eventually leading to a survey and it disconnecting my chat before ever talking to a representative. I finally got ahold of a live person after waiting on hold for an hour and a half, only to be told I was in the Individual plan department and had to be at the group policy department.

This is such a long story but here we go. I signed up for short term disability 2 years ago through work knowing I would have a baby. I was promised by my agent several times that it would be the easiest process. The agent said I would get 500/week for 6 weeks. So I had a baby on 8/16/19 and faxed all my paperwork in. So I wait and wait and wait and never here anything so I call them and they tell me the amount of my income that was listed on the sheet was way more than what my employer put on the form. They said I wrote that I made 50,000 annually when I signed my policy. This is not true and I would never say I made more than I did.

Claim has been pending for 33 days now. I was diagnose with cancer on 10/16/19. I filed my claim on 10/18/19 once I was release but mind you I had already been in the hospital for 30 days. Make a long story short group claims go through 3 stages filing, Pending for approval, Paid. My claim went through all Three. Then I got the run around which was more documents was need and that my provider had to send them over. Another 2 weeks went by. The provider sent the information. Rep stated, "Your account has went back into review. Please allow 5-7days for the auditor to review it." I give them. 10 days. And my claim has not been touch or worked on.

I am leaving this review because I have been lied to and given the run around regarding my claim. I was told totally different stories from the customer service dept (which gave me more accurate information and I am extremely grateful for) than I was from my agent. My again flat out lied to me and then told me how grateful I should be that so many people where going above and beyond to help me. Well, when she lied to me and then I caught her in that lie is when she was being hateful with me.

I faxed my claim in on November 5, 2019. We have had our policy over 10 years. Whenever I have ever sent in a claim for a CT Scan or MRI for our Hospital Indemnity policy, I never had a problem. This time I sent my medical report as I've always done, however I get 3 letter saying they need an authorization to be able to check the claim. I had no problem with that, so I uploaded the authorization directly on the portal. Today it was still saying that they still needed more information to process the claim, even though I received an email saying they had received my information. So I called and was told through automation that I needed an itemized hospital bill with the procedure code on it. Now where did they think that I received my medical report from?

Their website is absolutely the worst I have ever dealt with. Always down, says to return later only to get the same message. Trying to contact the company by phone is no better, the automated service will ask the same question 5 times before it finally tells you that it will call you back in about an hour. No way to bypass and get a customer service representative.

After years of paying for Aflac I had a baby and had to take short term leave. My employer doesn't pay maternity leave so I thought I'd be able to collect my Aflac to get by on only to find out my Rep hasn't updated my pay in 6 years so it will be based of off what the pay I made at enrollment time is. Therefore I'm at a total loss and could of put what I've paid them for so many years in a savings myself and would be much better off. Was told even if he would of updated it I'd have to wait 10 months for claims. So if you get pregnant and they haven't done their part you have to suffer because pregnancy is only 9 months. Sounds like fraud to me. Canceling mine and my husband's plans as soon as I can and hoping work finds something better! May even look into an attorney!

I got a accident policy at work and I have been paying 24 per month for 3 years. I recently checked my policy on their website and could not find it so I called and was told it was cancelled 3 years ago without my knowledge. I told them that it was still coming out of my paycheck. When I asked for my money back because of their mistake they said they never received the money and will not pay me 860 dollars. I paid for a policy I did not have and they don’t seem to care about my money or even apologize for their mistake. It is not worth hiring a lawyer for the amount of money but I would advise that no one ever get a policy with this incompetent and dishonest company. I think they should be investigated and legal action should be taken by the government and shut down for fraud.

I had Aflac for about 6-7 years. Every claim was a huge hurdle I had to jump through to get the pay out. Also, no matter who I contacted, I would have to call repeatedly (more than 3x/week) to even get a call back, finally leaving a message (after many) stating I would keep calling until she returned my call, which then I did get a response. Now after not having it for a few years, I inquire about something, get no response from the agent I e-mailed, and when I e-mailed corporate, I got no actual information on what I really needed. Awful company, awful customer service, the website is not user friendly and there's no clear direction as to what forms and/or documents you need to file a particular claim.

Aflac was offered on one when I was hired by my employee. I heard it was an insurance for accidents and health supplemental insurance. I pay a lot out of my check every week. Cesar ** from Laguna Hills is assigned to my company and my claim. He does not reply, does not help and doesn't put in your paperwork when asked. He lies about him trying his best to call you back. He is not a good agent. I do not recommend Aflac. Find a better supplemental insurance. He still has not got me paid. It's been 9 weeks since my claim.

Aflac is just a complete joke. Sept 21, 2019 I tore my Achilles playing basketball. I got denied saying tearing my achilles playing basketball is not a accident... OK. I did it on purpose..What a horrible company. I provided all my medical Bills, the doctor's notes and yet I somehow did this on purpose cause if it's not a accident clearly I did it to myself right?? What a complete joke. Save your money. Please do not enroll in this farse of insurance company..

I submitted two claims that were denied because Aflac said they said the policy wasn't effective, even though we've paid premiums since the beginning of the year, and the tests were covered. I have called three times and emailed groupclaimfiling@aflac.com to show proof of the Aflac policy. Nothing has resolved yet. The first time I called the customer number, the lady said that she'll put in a request to do some research to figure out what was happening. The second time I called, another lady said that I should email the documents as pdf to the group claim email address so I can show them the proof that the policy was active. I did that. No response, no return email message.

I had surgery on Oct10th so far I have been told three or 4 different timeframes to expect to hear back from Aflac. It is now Nov8th and the latest I am hearing now is that I should be reviewed Nov 12th still no word on when I will receive payment. Very disappointed in AFLAC at this point.

They TOTALLY misrepresented their cancer insurance when they sold it to me. Never said there were exclusions. Had a cancer claim and it was “excluded”...paid thousands of $ over the years for NOTHING!