Aflac Reviews 

Aflac customer service is terrible. I have had Aflac for 17 years and not got payed for a single claim. Been 3 month trying to get age out for my 2 oldest children. They just informed me that the other 6 agents I spoke with are wrong there is no payout. I will be dropping Aflac after speaking with insurance commission.

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!

I do not recommend AFLAC. I filled out a claim, I fell , having a seizure, which led to hip replacement surgery sent in all supporting documents from doctors and invoices. They told me it was not deemed an accident and would not pay. Highly dissatisfied.

Aflac is horrible , filed a short term disability claim on Nov 15 2021 ,it took until Jan 20 2022 to be paid , and before I got paid I sent numerous emails ,contacted customer service multiple times ,spoke to local rep 5 times ,mailed letters 4 times . Finally got paid ..this company is a horrible mess.
I paid 125.00 a month for years ,but when I needed them I had to jump through hoops to get paid what I was owed ..do not use aflac .waste of money

Just horrible unpaid claims can never get threw to talk to someone. They wont even call you back now.

they have denied several recent legitimate hospital stays and accident claims.
They are impossible to reach by phone.
They are a complete rip off.
We highly DO NOT recommend them!
DO NOT WASTE YOUR MONEY!

If they have your $ they suck.
If they’re trying to get it..They’re Jonny On The Freaking Spot!
For Existing Customers:
1 minute after they open the wait is 10 min (which turns into 30)
2 minutes & it’s an hour(which turns into 3 hrs) then it can easily go to 2-3 days.
Prospective Customers:
Absolutely NO FREAKING WAIT!
You can’t give me that Pandemic Crap when you’ve got my $ & How may I help you when you’re trying to get it!

Aflac is a scam I paid my premium for 2 years I filled a claim for a hernia after 5 months the claim was denied I would tell everyone to stay away from aflac they are thieves.

Aflac used to be a user friendly company. Now there is a 6-8 hour wait for call back from customer service. The policies are designed to help defray some of the costs of costly procedures. In the past the process was efficient and timely. On about May 1 2021 that all changed with a new stupid 'duck' web site, that is very difficult to navigate.

I have now one claim that i submitted 15 times and it is the same as previous ones that were paid. A CS rep lied to me and said she would take care of it, but never did.

In short, they are a total disaster and I have some claims waiting over a month. What a shame from a company that cared that now totally abuses their customers and makes it very difficult to receive any claim money.

I've had the dental policy for 7.5 years @ $30.80/mo. Finally had to use it for a $700+/- bill. They paid $90. HUGE waste of money. Been trying to cancel for two days, and I'm still hoping they won't hold me hostage forever.

Aflac is the biggest rip off ever thought of and DOES NOT pay out in a day. We have been trying to just get Aflac to review our submission, which is 100% within the guidelines of payment. Initially no one would bother to even respond to emails we sent. Finally we were able to chat online with someone who stated that they would review our submission within the next 2 days.

The next 2 days came and went with no response whatsoever. We contacted Aflac via telephone and had to leave a message. After waiting several hours we were finally contacted back and told that it would be two additional days (waiting over a week just for review now) before they would have time to review the submission.

We have had Aflac for multiple years and never had to use them but paid them religiously every month on time. Now when we need them, they drag their feet doing absolutely nothing for their customer. Regardless the outcome of this claim, we will definitely be cancelling Aflac and will never get ripped off by them again. Do yourself a favor and save your money. Aflac is a complete joke!

I contacted Aflac last week Wednesday to speak with someone in regards to a termination of my policies. I was asked to hit a button for a call back due to high call volume. My return call was scheduled for a week out being today at 10:15 am. Instead my call was at 7:15 am. Not to happy because I was at work! I informed the person on the phone of what has happened since I have been having
issues with my payments since 8/26/20. Explained to her what I was told and given confirmation of payments. I was told my bank rejected the payments! Not possible I paid with my debit card. Long story short after 30 minutes with the agent on the phone today, I got no where, She said I owed over $470.00. After hanging up with her. I contacted my bank seen all of my withdraws to Aflac. Reached back out to them and chose not to have a call back and waited 3 hours on hold. Unacceptable
! My time is just as valuable as the next person. To find out I was only past due 76,40. REALLY! Very upset with there customer service, SICK OF THE EXCUSE COVID! Be accountable.

Worst insurance company on the planet. Only filed 2 claims in 2 years. They could not find me in their system either time got thru the mess on the 1st one and they told me to submit a claim. Come to find out I did not have the coverage that I signed up for had a different. One. Avoid at all costs.

Have critical illness and workers comp. I take a health assessment once or twice a year and if I’m within the guidelines I get $ for each policy. But getting the money is another story. They make me feel like a monkey jumping through loops to get what I’m owed. They expect their payment in a timely manner and so do I. They are either completely incompetent or are making it difficult so they don’t have to pay. Neither way is good business and I am dropping both plans

Purchased Aflac policy last year, promised to pay me when off work for accident or illness. I was off work 10 business days then back part time for a week. They received the claim and two weeks later denied it because doctor said I could go back after two weeks. It took 25 emails and talked to three agents before getting the denial to pay me one dime. Most emails went unanswered. Most calls ignored. I counted on this money during my physical therapy and being bed ridden

I've spoken to 4 previous AFLAC workers from different departments and you'd be stunned by the blatant disregard that this company has for basically the general public.

I filed for surrenders with AFLAC and another insurance company simultaneously. Now I'm no insurance agent, adjuster or otherwise. But I think I'm a pretty smart ticket when it comes to numbers. So, other insurance company, spot on with their cash value check that they sent. And, they only took 9 days for the entire process. AFLAC...what a s**t show. First, it took 20 days to EMAIL ME AN ELECTRONIC COPY OF THE SURRENDER FORM. Electronic! Huh, imagine that. Than, it could take up to 15 days (no, not could AFLAC, you did take the ENTIRE 15 days) to process the surrender request. Hmmm...should we hold on to their money a little longer? Of course they did. Than, it could take up to 10 days to mail it out. One guess when they mailed it out. You got it, on exactly the 10th day. Only to find out that the amount they sent was WRONG, WRONG, DEAD WRONG. But, I'm done with them, so I sent my paperwork to my state's insurance commissioner and his office verified that the amount they sent, was incorrect. They are now handling it because I have no more patience for ignorance and greed.