Aflac Reviews 

Cancelled my policies I have been a policy holder since 1996. This last 2 years have been horrible customer service. Removed my son for no reason when I only removed my oldest son due to his age and would not provide the documentation as to why. Only put my husband on 3 of my 5 policies with no explanation even after I provided copies of the policy changes. DONE AFLAC is the worse and I will share that with everyone

They keep changing the time they need to review my hospital indemnity claim. Its been almost a month since I filed and they keep changing the review date

Terrible customer service. Denies claims due to billing not being done as they see fit. Absolutely a joke don't waste your money. Mutual of Omaha on the other hand has been amazing.

Lack of Customer Service and Information
My father has a cancer policy and I went on line to get information. I was logged into the chat room and they hung on me sending me to another web site. No phone # to call or someone to talk to. I am a business owner and I have a policy for the last 30+ years. I am not sure I will keep my policy or recommend them to my employees in the future. Shane Applebee - 0FQL6 customer #.

Claims department continues to deny receiving claim form. Claim form sent 4/23/24. Post office reports delivery date as 4/26/24.
Called today ( 5/6/24) for the second time and same story.
I have been a member since 1971! never filed a claim before.

On 1/22/2024, I was transported from my home via ambulance to Logan Hospital in Kalispell, MT for signs and symptoms of a Stoke.
Upon arrival to the Emergency Department, a CT scan was performed and the diagnosis was a Hemorrhagic Stroke, for which I spent three (3) days in ICU. AFLAC paid for the hospital stay however they denied the Stroke claim.
I sent AFLAC the entire medical report from Logan Hospital, in which my condition was referred to in the report as a Stroke, by Doctors, Diagnostic specialist and Lab personnel more than twenty-five (25) times.
The same report was sent to my AFLAC agent Gena Quintero, who stated that she believed that it was denied because my policy was misinterpreted by AFLAC as it is an older style policy. Gena said she was going to call AFLAC and re-submit the claim.
To date, I have no idea if this was done or not, despite repeated emails to her. To date, I have not heard anything further from AFLAC and not heard back from my AFLAC agent.

I have a family Cancer Indemnity policy since 1977, many years of paid premiums. Submitted 31+ copies of inpatient hospital stays. Policy clearly stating benefits are to be paid.. Waiting three months, just to receive denial for payments. I filed claim with the Florida Insurance commissioner's office. Sent a letter to AFLAC CEO. No response. Aflac is a total scam.

My mother has an Aflac life insurance policy. I had to talk with them in 2020 when she went into assisted living and again to file for Medicaid. The customer service people are snotty and unhelpful. They can't hold on to information you send AND can't seem to get you the information you need. If you have a choice between buying Aflac insurance and giving birth to a flaming porcupine on the floor of an igloo, you don't need the insurance that bad.

Dose not communicate well with customers. I have gave them one too many chances to better their customer service. Did my claim and it took me one month to get my money I pay for when there is a family emergency. Sorry but why do you ask us to file out a form that give you permission to get any medical records you need but yet what your customer to do your job for you. Faxed all papers on 4/10/2024. My claim was still in review so I called on 4/23/2024 and was told I need more forms and once I get them it will take another 7 business.

I've had aflac for over 15 years and tried to make a claim, after 2 months of phone calls and being put on hold and having calls dropped they sent me paperwork to file a claim, When I called about verifying previous wages. I was told that aflac can not be used if you are currently unemployed or looking for work, even if your account is up to date. When I mentioned I wanted to talk to a manager to cancel my account I was hung up on.

Aflac is not a good company to buy insurance from when you get sick and they will find a way not to pay you and they lie to just to get your money this company needs to be shut down I will be reporting them to the better business bureau

I was looking for supplemental dental insurance since I am close to maxing out my primary coverage. Aflac's waiting period of 24 months for services like implants and crowns (the entire reason for purchasing) makes this coverage useless. I've never heard of a waiting period that long. The max I have ever encountered might be 60-90 day. These fools think customers are going to pay premiums for 2 years before getting any coverage. Absolutely ridiculous! And their coverage is half of most other major providers. Even the tone of the agent made it seem like he couldn't care less about helping customers with getting insurance. Aflac is sad. pathetic joke of a company. Save your sanity and find coverage elsewhere.

AFLAC is claiming I’m behind on my payments several months and are canceling my policies. My work place has been taking the money out of my check every week and has been making the payments to Aflac. I have called our representative Sarah Shepard and she hasn’t returned the call. I guess I will be dropping there insurance and try to get the last 3 months of payments I have made back.

This is the worst company I’ve ever experienced. They make excuses to not process the claim and the representatives are rude and dismissive. I’ve been dealing with cancer and they keep asking for the same forms in order to avoid processing the claim. If I gave you permission to speak to the provider once and you obtained information why would you need that same form to ask the same person the same question. Also Aflac need more then just sales. Seams like no matter what number you call it all goes to sales.

I may be one of the few who have never had issues with Aflac. I've had them since 2018. I have several policies with them, and I must say they have always done a great job. I do miss the quick pay turnaround times, but otherwise, my claims get processed and completed. I always get great customer service as well. Like I said, I may be one of the lucky ones. They have been great to me, and I hope it continues.

I truly believe many of the people here are missing paperwork, and it has to do with employers and doctors not sending in stuff. Even if information is denied, you can still turn in paperwork. Read EVERYTHING; that’s how I ended up understanding how meticulous you have to be and how hard you have to press the doctors' offices. Send all your paperwork. I sent Explanation of Benefits, bills, doctors' notes, everything. In the last year, I’ve had no issues with customer service (although slow) or getting benefits over 50k. You have to be meticulous and diligent. So I'm blown away by the difficulty people are having. I'm sorry so many are having trouble.

Aflac recently declined my application for a Medicare supplemental plan due to "treatment for dementia and Alzheimer's". This is NOT TRUE. I called Aflac's 800 number twice, selected "Reason for Denial" and twice the phone rang for 5 minutes and then the call abruptly ended. I was not given a chance to talk to a rep or leave a voicemail. I filed a complaint with Troy Downing, Montana State Auditor and Montana Insurance Commissioner.

One of the worst companies I have ever worked with. They will find every reason to not pay the consumer that has paid a premium for. All of the forms have the start of disability put on them. Yet it does not matter as you cannot submit the form until the day of or after the surgery happens. Then they do not review them until they feel like it. All the while people have bills to pay!! I wonder if I did not pay my premium on time would I still have a policy? No, because they only care about receiving money and not paying out to the consumer. If you do not call and keep on top of them they would not do anything on their end to process a claim. Do not go with Aflac!! They add too much stress when you need to be recovering from things.

They are terrible! Not worth the aggravation especially when dealing with cancer! Have been getting one excuse after another to not pay my mileage claim I go through same run around every time all for a 120 dollar claim it is disgusting

I can't even get a claim filed. I have filed 4 times online and each time I get a claim number and everything seems ok. when I check online, no claims filed. I called them, no claims have been filed? So after 4 tries online I get an agent that says email her my claim forms, I did just that. 2 weeks go by and nothing, now she doesn't respond to emails, I have no claim filed that I know of. So, I file a complaint, so far nothing from that either. Honestly, I think this is a scam! I am so sorry I enrolled in their coverage with my job. I cannot believe this hasn't made news somewhere. Look at these reviews, they are horrible.