AflacReviews of aflac.com

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.

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.