Aflac Reviews 

Great company! Good, friendly staff. I'll probably be a member forever.

Absolutley terrible customer service. Basically non-existent. I have been trying for over a week to speak to someone regarding my maternity leave claim. I have paid thousands of dollars and have had Aflac for over 8 years. They give me the run around constantly. First they denied my claim for a weird reason that didnt make sense. Then I was told by my rep that I needed to send in a form signed by my employer and my doctor. and that was the actual reason. I have not been able to find said form on their website even though she says it's there and "easy to find". I have looked for hours clicking every link. My rep is now MIA and not returning mine or my employers calls or emails. I am currently on hold with Aflac for over 40 minutes trying to get some help to find this form online to complete my claim. I have called muiltiple times the past week and can never get through, or get disconnected. The call back feature doesnt work. That chat feature on the website is a useless joke and you cant speak to a human.
I am depending on this money to help us out during my non working maternity leave. I am doing all of this with a newborn baby and a toddler. They should be ashamed of themselves for how horrible they are running this company and playing with peoples lives.

Very disappointed with this company and I do not recommend it.
They fail to pay out claims and are impossible to get a claim representative on the phone.

Make double and triple sure of the policy you are agreeing to. Under my policy I have to almost die to recoup what I've paid into it. But all the small reimbursements can help. For example my therapy visits are $80 and Aflac will cover $35 of that up to 10 visits. Unfortunately I had to call back three times to find someone confident in the numbers they were quoting. The advice I give is to call two or three times to compare answers. It's unfortunate to have to do this but it is what it is.

Absolutely horrible. Months and months waiting to get a claim paid...still waiting. Scam. They advertise help with bills while hospitalized. You will starve to death waiting for payment. Never do business with them!

On line chat just rage quit when I asked question. If VA related don’t use they have no problem taking your money but will not payout if your a veteran using VA services

Shantelle Derico helped me right away after i told her that i have been on the phone for the last 3 days for a hour a day and still didnt get any answers. She explained everything to me was not rushing to get off the phone and even followed up with a email. She has been the best rep that i have delt with so far

ABSOLUTELY A WASTE OF MONEY!!!! DO NOT TRUST THEM I would have left 0 stars if it was available. I have “short term disability coverage “ long story short. I had coverage that was supposed to cover if I was out of work from 0-7 days. The second that I tried to file a claim the WAFFELING STARTED. “Sir there is a 30 day waiting period for a “sickness “ there was no sickness, it was a cyst that got infected. The 30th day was written on the Dr. note. The claim was denied due to date issues. They DO NOT CARE ABOUT YOU!!!! ONLY WANT YOUR MONEY!!!! I hope this might help someone who is on the fence about using them. Also note that you pay ahead so when you cancel you can get the last month premium refunded.

For 14 months I have had an Aflac Group Term Life policy through my employer. Paycheck after paycheck the same premium payment was deducted... until today. My Aflac premium increased by 50% without notice. Aflac's customer service phone line says the wait time is over an hour so they could call me back. The Aflac website's "chat with a customer service representative" feature says all agents are busy, try again later. The website has no feature to leave feedback. I can get equal coverage at a lower price from a company that actually has customer service. I'm canceling my policy.

I haven't even used this insurance and they still showed themselves to be completely incompetent.

I gladly exited their so-called webex "interview" with Taylor Thigpen of the Knoxville, Tn branch.
His behavior was highly unprofessional and reckless.

He actually used the phrase "suck it" during his so-called presentation, which was nothing of the sort, to at least 12 attendees. I noticed the looks on at least a few of the female attendees' faces also expressed disapproval.
In addition to this his presentation was novice at best and just filler as opposed to actually divulging what the job description was which makes aflac look that much worse.
I will no longer be considering aflac for employment nor ANY other future business due to this.

Not that aflac will heed this wise suggestion but wrangle your reckless, jock wannabe, representative before he causes you much more difficulty in the future.
You will also be receiving a negative rating online (i.e. google and social media), with his name attached.

No thanks to you for wasting my time with an inept idiot.

Had accident insurance for years. Never had anyone ever get ahold or ever update us on our policies. Just keep taking our money. When I went to use my policy they denied it because my son was over the age. Don’t bother telling you that there is a age limit they just let you keep paying for it. Canceled my policies! The. They send a letter of denial about cancer . Not even the right policy. Also can’t get money back for the child I was paying for that wasn’t covered.

If you want to file a claim. They will ask for full access to ALL of your past medical documents. There is no privacy which is extra off putting when customer service treats you like garbage. Customer service is terrible and communicating with them is difficult to say the least. I’m a very competent individual and I was struggling with their website, (turns out is was some error on their end) they couldn’t pull my policy up with my name, DOB or social! They were telling me I didn’t have an account or my coverage was canceled. Finally got that sorted out. Then with them wanting full access to all my medical records and not accepting documents they asked for was the final straw. Why ask for documents if you’re going to want full access to everything anyways?? The person I was emailing basically told me to bite it and that I might as well cancel coverage.

Aflac is nothing but a scam. Nothing but paper trails that are senseless. If I have no income I have no healthcare. Very disappointed I payed into this for 30 years

I submitted a claim on 12/29/22 and it doesn't appear in my Aflac account. When I submitted a chat inquiry the person responded up until I asked for the status of the claim. In response to my question the representative wrote that all representatives are busy please try again later. And also when I logged in today it shows my policy is inactive but its being deducted from my paychecks for Aflac.

On 11/28/2022 I got an email from aflac saying they paid out on the claim I submitted on 11/28/2022. I didn't submit a claim in 2022. In fact I haven't even had aflac since 2020. So, anyway, I initiated a chat to check on possible fraudulent activity and was told this is a payment from a claim I submitted in Dec of 2019. The rep asked me to provide my full name, address, dob and ssn for security which I did and then refused to tell me which institution my direct deposit was sent to because it's not secure to provide sensitive info via chat. Pretty sure a banks name is not sensitive info. While typing my next question which was "Why did you ask me for sensitive info if it's not secure?" "Miranda from Texas" posted the phone number to customer service and ended the chat. If they're gonna be clacking away on a keyboard for 8 hours why not at least attempt to help? Pesky paying customers interrupting the busy important lives of these remote customer service reps. Way to sh@t the bed aflac.

Horrible company! I was having my payments to Aflac deducted from my paycheck but all of a sudden they stopped. AFLAC cancelled my policy without notification, because of non payment. They said I should’ve contacted my company but they should’ve notified me that they no longer participated in direct deposit deductions and my policy was cancelling. “Oh we don’t do that”…???? Lazy reps, clueless reps, just a bad company all around. They care more about that duck than they do people.

My wife broke her right shoulder and fractured and dislocated the shoulder and right arm on Labor Day 9-5-2022. She had to have a major surgery a couple weeks later. The surgery cost between 65,000.00 and 100,000.00 dollars. On Labor Day, she had to go by ambulance to the Emergency Room. She has not been paid for ambulance ride, cat scan, EKG and other things for that day. For her 65,000.00 to 100,000.00 surgery they let her know on 11-19-2022 that she only gets 385.00 dollars for having the surgery. She should get something for anesthesia but didn’t. She should get between 1,600.00 to 2,000.00 dollars just for the fracture and dislocated shoulder and arm but she gets nothing because Aflac says that she did not pay for the Aflac accident insurance however she was supposed to be paying for it but Aflac was not holding out for it and showing that it showed that it showed inactive. She sent an extended work excuse on October 27,2022 to Aflac to be able to cover her for being out for the month of November 2022. As of the middle of November, 2022 she has not received a check. She called about it and Aflac said that she had to fill out an extension letter and have the Orthopedic to fill out an extension letter which takes the doctors office a couple weeks to do and the employer has to fill out an extension letter. If she would not have called Aflac, she would not have known about the extension letter for short term disability for November. Now she or we have to wait for another several weeks for her short term disability check. Probably will not show up until December sometime. We are out of money now. We feel that Aflac should pay my wife at least 3,000.00 to 8,000.00 dollars just for the injury, fracture, and dislocation itself. This is not including the short term disability that they owe her for the entire month of November 2022. Aflac is one of those companies that appears not to care about their customers.

I have had AFLAC for a year now. The doctor's visit claims have been paid immediately. However, the hospital insurance claims has been worse than a nightmare. No help from the representative Elizabeth Guzman in my area. Was required to upload medical documents, but site won't allow that. Or I just can't figure it out. Either way, the Aflac hospital claim is in my opinion a scam. Also filed for disability, and same issue. I will not be continuing my policy as I am a very unhappy customer that has spent way too much time filing a claim. Do not recommend Aflac at all. Please don't waste your money.

Have had Aflac cancer policy since 2007. Diagnosed early leukemia MDS. Taking chemo pills. Was told to take picture of pill bottle and submit to them. No problem first couple of months. Got my 300 deposited in my checking account. Then for the past 3 months claim is denied. Say the picture of the bottle is too dark. I lighten it up and resend. Rejected again. Several months in a row. The bottle can be easily read. They are looking for reasons to deny paying out. Awful customer service. Stay away from Aflac.

They waited 30 days to inform me that my hospital claim was denied. I received 5 letters stating the denial. I sent supporting documents also. It is a rip off. The claims and customer service departments. My rating is -a star. The company does not deserve 1 star. Do not pay premiums. It is a rip off. I wonder where the money is actually going. Quack Quack