AflacReviews of aflac.com

Went with AFLAC accident coverage through work because I was under the impression they are fast to process and pay claims. WRONG, they move extremely SLOW. Glad I found this out when I did because it's open enrollment at work and I definitely will not be paying for this coverage again.

I had Aflac years ago and had a great experience. This time it has only been for a short period of time. I didn’t care to keep it due to the lack of response and communication from my agent. She was helpful with responding to my concerns prior to my policy starting. Once it started, I would get an excuse to how busy she was. That was AFTER sending another follow up days later. SMH

I have an Aflac Hospital Indemnity Insurance policy and recently tried to file a claim for my spouse’s hospitalization. To my surprise, Aflac requested that the hospital bill be submitted in the UB-04 format. Unfortunately, most hospitals in the U.S. do not provide this document directly to patients — it’s typically used internally for billing insurance companies. When I contacted the hospital, they told me they could only provide their standard patient bill, not the UB-04 form. This made it impossible to complete my claim, even though all legitimate documents were provided. It feels unfair that Aflac continues to require a format that regular consumers can’t easily access, which makes it very difficult for honest policyholders to receive the benefits they’re entitled to. I hope Aflac reviews this process and allows claims to be filed with standard hospital bills issued to patients.

Try to make a claim with these crooks. All they do is stall and make excuses. They want ridiculous forms filled out. Agents never call back. Take your premium money and invest it. Save yourself the grief.

My company uses aflac to manage short term disability claims. I receive emails stating "action required". After logging in there is no indication of what action is required. It's very frustrating. The website is difficult and not intuitive.

Country: USA Description of complaint: My Sister passed away on Jan 15,2025. She had 5 Aflac policies, 3 of which should have that should have paid out: Cancer, Life, SSD,. I filled out the CORRECT paperwork before her death for the cancer diagnosis, hospital stays and SSD they back owed her from before her death. I reported her Death on February 28th and reached out multiple times for life insurance payment of a significant amount. To no avail with countless emails and calls. I finally got a letter 2 months later stating that the Cancer and SSD WAS NO LONGER PAYABLE BECAUSE SHE WAS DEAD. I said the claim was BEFORE SHE PASSED??? They then stated i was not the beneficiary on her Life insurance policy, and sorry but they couldn't pay me nor could they tell me who the beneficiary was??? However i have been her legal POA since 2023, so I legally have a right to this information Business Headquarters Location 1932 Wynnton Rd, Columbus, GA 31999-0001 (800) 992-3522 If you have any questions or concerns, please contact the BBB assigned to your complaint: Better Business Bureau serving the Fall Line Corridor, Inc. 277 Martin Luther King Jr. Blvd., Ste. 201 Macon, GA 31201-3495 (478) 742-7999 Continued on next Page Better Business Bureau® 6/19/25, 9:12 AM Step 3 | File Complaint against Aflac | Better Business Bureau 1/4 on her behalf. Long story short, i called over and over and all they say is "sorry we cant tell you anything". I sent them the POA paperwork and death certificate and told them to cancel all her policies which was direct debited monthly in the amount of$333.15. They said all set , they are cancelled. So i wrote down the info of who and when i spoke with the person. Of course thy did not cancel it saying "We never received the paperwork" OF COURSE THEY DIDNT! I certified it and mailed it to corporate. I also resubmitted on April 23,2025 for the life insurance policy stating me as the beneficiary with a copy of the notarized change that she did in 2022. I was then sent paperwork 2 days later to apply for the life insurance on behalf of her estate. So i did that. CRICKETS! So i call again, I was told "its in process" and we are now at the end of June, so 5 months later not only are they collecting interest on HER money but i have also been charged the $333.00 every month since she died. I am grieving my sister and yet they can abuse and literally steal our money! in exhausted with this and i need a resolution. completel and utterly disgusted!

I’ve paid into Aflac for 8 years, I had dental work done recently- a bridge replaced and they denied my claim and paid no part of it. The most the claim would have been was about $650. I paid $3000 out of pocket. What a horrible unethical company. They denied because they said I lost the original tooth before I was insured by them. It’s crazy to not have a bridge replacement covered. The portion they could have paid if they were fair and ethical would have been worth it to keep me as a lifelong customer. But they lost an 8 year customer over $650.

I have had Aflac for many years at $47 a month with all the beels and whistles and they have never once paid a claim. Reciently I developed a major heart condition including Cardiomyopathy and congestive heart failure. I had major heart surgery to correct the condition and prevent stroke or death. Missed work for 7 weeks. Aflac sadd it was not serous enough and denied my claim.