Aflac Reviews 

The absolute worst company EVER! Stay away! I have had AFLAC for over 3 years and I just now had to use it for the first time. What a horrible experience! I had to file a disability claim, after 3 months still nothing!! Every time I call there is something wrong with a form! So I had all the forms done as they asked and they still denied the claim stating now they need an updated employer statement!! Why, when I had my employer already re-do it once for them. It is because they want and updated form with the current date on it. I just had the form redone last month exactly how they asked! They do not care about their policy holders! They just want to drag their feet hoping you will give up I guess, so they do not have to pay you! But I will not give up I paid for this every week out of my check and I deserve to be paid. You ask for a supervisor they drag their feet and dance around that. When you have done your part and done everything that they have asked, they will find some reason to deny the claim again. So here it is Christmas still no money and I pay for this. What a crappy company and the Reps that answer the phone have no clue what is going on! JUST STAY AWAY FROM AFLAC AND KEEP YOUR MONEY BC THEIR PRODUCTS WILL TAKE YOU FOREVER TO GET PAID ON AND THAT IS IF YOU GET PAID!

I've been battling AFLAC for the past 9 weeks following my total knee replacement surgery. I've had a policy for close to 8 years and have never had this issue before. Part of the Hospital Indemnity benefits include surgical benefits. After 9 weeks of trying to get this benefit paid, FINALLLY they notify me that they (claimed) they changed the policy back in March (this is October-November-December) and removed this benefit. I received no such notification. I especially like how they put off answering my requests for the past 9 weeks (where i spent an hour on the phone weekly because nobody follows up on their claims to "escalate to a supervisor" -- No I had to call weekly to get a status) until after OPEN ENROLLEMENT is closed. I want to cancel this policy but I'm worried that since open enrollment is closed I'm stuck having my paychecks deducted to the tune of $300/month to go to these crooks. If your employer offers AFLAC, RUN RUN RUN! They used to be great; now they're slimy crooks. Avoid AFLAC like the plague. (because if you get the plague and try to claim it on your "critical illness policy" chances are they'll find a way not to pay your claim.

In July of this year(2023) while in Florida I broke 6 ribs,I was given the ok from my doctor to return to full duty on Oct 20,2023,Aflac requested a lot of paperwork and I mailed everything they asked for,(forward 6 weeks)”oh we’re still working on your claim,(forward 6 more weeks)oh we’re still working on your claim,I’m early Oct 2023 I got $3000 for 2 yes 2 broken ribs and $1,700 for short term disability,Aflac is a joke,my dogs health insurance is a lot better,I will NEVER EVER again join Aflac I’ll go to the VA instead,now now I understand more because of people like me thinking they cared,yep they did cared alright they cared more about my money,what a scam company!!!

Aflac canceled my accidental policy without permission. I contacted them spoke to a manager who stated I would get a refund and now they see to have ignore me. I feel like as a elderly person they have taken advantage of me in every level. Staying on the phone for 2 hours just to be dimessed please make it right and I will remove this review.

Please read all of the other terrible reviews and avoid this company. They are scammers. They give you the runaround when it comes to filing claims so it will take a minimum of 3 months and a BBB complaint to process a claim. I canceled my supplemental dental policy and will NEVER buy another policy from them again. They look good on TV and on paper but it's all a lie!

I have a group policy thru my job, and was hurt outside of work and filed my Accident insurance thru Aflac..The injury was severe enough that I had to have surgery on my shoulder, 4-26-2023. It is now 11-3-2023 and after denying my claim once, lol they have only paid me
$300. and the rest of my claim is being reviewed.... Aflac USED to be a stand up company, and I am the HR Manager for the company in which I work and encourage my employees to buy this stuff. How can I tell my employees good things about an insurance that I myself don't believe in. I have turned in ALL my paperwork and has paid all my premiums, and you have the audacity to deny my claim? You all ought to be ashamed of yourselves and I tell my story to all of my employees. Used the Accident the company provides for you because I have more faith in it than I do this crock of mess AFLAC is selling these days. Please teach your CS manners as well, they don't know how to speak to customers or paying clients. 24-48 hours turnaround, REALLY?!!
When I see or hear an AFLAC commercial I just shake my head because I know first hand it's not true. I'm disappointed and disheartened by the level of respect and curtesy I've received and shock by the lies told by these very same people.

I have been going around in circles with AFLAC since I retired from my company last year. My husband recently passed away due to a critical illness and of course, I reached out to AFLAC to inform them. I was told three different stories about what I needed to do to process a claim and two letters that never mentioned the documents needed for the claim. I believe they wanted me to do their job. As of today, I am still going around in a circle to receive benefits regarding my husband's death. Dealing with them has been a nightmare that I can't seem to wake up from.
I am totally drained from dealing with them as I suspect this is the intent of not paying their claims.
I would not recommend their services. Sounds like a class action lawsuit.

They took two payments from me and said they’d send me a check to reimburse me the second payment within 7-14 days. Now they say they’re not reimbursing me and Im behind payments so they kept it. No one knows what they’re doing!!!

Alfac I’m so disappointed in you!!! I trusted they would have my back if and when I got sick and they totally did NOT!!!
I wrote appeals and they still said no. They are awful. I won’t recommend them to anyone. They took my money!!!

Its a scam! For over 5 years I paid over $7,000.00 in fees.
When I needed, they $400.00 for coverage for medical expenses. They made me file several times the same papers, answering the same questions everytime. Just to make sure that I give up, and I did. Its not worth it. Definitely not!

If giving less than 1 star was available, that would be my rating. My son died in a workplace accident and we were contacted by a representative of AFLAC to inform us that my son had coverage through them. That was in May 2023. It is almost October and it has been one problem after another and AFLAC won't give us a straight answer. Checks were mailed to us at two different addresses on August 11, but amazingly, no checks were received at either one?? After weeks, they requested a conference call with the beneficiary of the policy to get a stop payment placed, were told the check would be overnighted. Supposed to be receive by September 22. Never received anything, have called several times and vaguely are believing the check never left their office. Second set of checks, was given check numbers and amounts and told they had put a stop pay on the checks and would be reissued and likely received by 9/22 also, but no checks have been received. You can't get any information and when you do, you know you'll be emailing again because they don't follow through. How can a company this size not make payments and not take calls from customers to explain what the delays are???

Don’t waste your time or money with these people. You can never get ahold of anyone for a claim or help with one. The salesman will tell you anything to sell it to you. Don’t believe a word they say. Had COVID and was never able to collect from them . Kept getting transferred from person to person.

Awful. Just awful. Criminals, scam artists.They can't do basic math. They're paying me way less than I should be getting. Customer service can't help - they tell me I have to talk to my case manager Cynthia. I've left 3 messages for Cynthia over the past week and haven't gotten 1 response. Called an attorney.

Aflac has been reimbursing me for my yearly mammogram. This year it is being denied for some reason. I submitted a claim on 6/28 it was denied two days after .I called to ask why in the rep said he didn't know why but would escalate the claim and it will take three business days.Called on the 4th day now its 5 to 7.Dont understand why it take 5 to 7 business days but only took 48 hours to deni it.Had a previous claim for a accident I had and it was also denied and I have accidental insurance .I have had aflac for 5 years through my employer and never file claims
But come open enrollment I will be dropping this policy I'm paying for nothing.

I have paid into AFLAC for years. Made two emergency room visit claims years ago, they did not pay because there was no admission. I had a cardiac event that hospitalized me three days, I was quoted an amount, and paid less than half. I then had open heart surgery and was hospitalized for four days. I made a claim and sent all requested records thee times as conformed by the hospital. I am still under review after two months. I guess they pay by who you are. Do not waste your money like I did for years.

Right now I am giving them 1 star. My husband died in an accident on May 9th. I filed a claim May 12th. Its June 21st and It still says under review. Where under review? You have to go through Heck and high water to get any answers.

After the first year, Almost every claim was denied. The process is designed to tire you out.

I have canceled aflac 3 times now and this is the second time i am making a phone call because i am still being billed.
They did not issue me a refund last time. I will be notifying any authorities necessary for this instance if i am not refunded immediately.

Do not do business with this company.

This is the first time I've had problems I had an accident 3/6/23...I went to er got xrays...
Had 2 follow visits...a script for arm brace...i only got 220...i was paid a wellness check wow im not scheduled for one till july i attached er visit with x rays 2 follow up visits one from my pcp and ortho dr..they'll review.7 to 10 business days I am so upset i want to cancel...evertime i call huge disappointment no one is the same page i get different answers every time. No call back from a supervisor...

Aflac is a total scam. Don't waste your money. I've been trying to get paid for 6 months now on a short term disability claim that is legal and legitimate. They are dragging their feet and refusing to pay each time I appeal saying they are missing one form or another. I faxed in all the completed forms myself. The call center doesn't allow one to speak with the appeal department, likely because they are wrongly denying claims. Customer service is less than pathetic. Don't waste your money with this scam.

Short term disability is to supplement while out of work. Back at work and still not payed. Every time I call (which is a whole lot) I get told it's still in review and it will be 48 to 72 hours. 4 weeks have passed. I even have the app and don't ever get any updates. It's a joke. Canceling as soon as I get payed.