Aflac Reviews

I was totally frustrated through the whole process of trying to get to the right department. I was transferred 5 times, each saying I had the wrong number. They'd transfer me and it still was not correct. And each department could not answer a simple question about beneficiaries. After 30 minutes of being transferred, I never did get to the Tier One department. I just hung up. Poor customer service. The automated system at the being was no better. I had to repeat everything 3 times because she did not understand me.....

I wish I saw reviews before signing up; ideally, it’s a good insurance to have if it actually worked that way. It’s like they give you the run around even when you give them the information they asked for. They do not communicate in a timely manner and whoever is in management or leadership roles do absolutely nothing. They are taking our policy money and just living off of it. It is a complete waste of money, and I will be canceling asap. Wish I could get a refund for paying on this policy the past few years.

I am currently dealing with Aflac as they are the administrator for my employers disability and fmla services. I have been waiting 30 days for my claim to be processed. I can never reach anyone on the phone, and every time I send a message it takes 2 days to get a response. They told me that they are waiting on certain forms from my employer and my employer has records of when they sent those forms. I hope next year my employer changes providers, this is the first year they have used Aflac and everyone has the same complaints. Poor communication and lots of delays.

I filed a claim 4/15/2026, and the claim has not been paid. The claim was never sent to a claim agent until 4/26/26, I sent in a UBO4, and itemized billing. Everything they needed I sent in. The claim has yet to be paid. the customer service reps need to be trained properly on how to help customers. I am very dissatisfied. The hold time for a supervisor or auditor is beyond sad. You get the run the runaround.

I was just diagnosed with cancer and because I have an Elite Cancer policy with Aflac was attempting to get some information about how and when I should file my claim. There are no helpful FAQ's on the website, so I called their customer service line. After going through 5 minutes of automated prompts I was connected to a rep that had so heavy an accent she could not be understood. I asked if I could be connected to a rep that I could actually understand and she said that No, I would have to call back and hope that luck is on my side because apparently AFLAC doesn't bother with customer service. I guess we'll see if I get paid.

Very long story short: Aflac is not a business that we will do business with again. I do have to say that we have not had issues with the service that they provide. What we do have issues with is getting anyone knowledgeable to speak with on the phone. Everything is compartmentalized and nobody knows who to send you to, you just get caught back up in the phone loop. We've been trying on and off for the last two years to find our outside representative. The first one we had told me to quit calling her about a year after we signed up because she no longer worked for them and she did not know who our new rep. was. Totally understandable that she would feel that way, but we never were notified of the fact that she was no longer our rep., and not notified at all as to who our new rep. was. That is not good customer service.

I had a heart attack then spent 4 days in ICU with sepsis. My rep Bethany ** has been nothing but condescending and she has an extremely large account with my husband's employer. 30 years he has paid in and they even denied his claim for hospitalization with kidney stones. Never returns any emails I send her. She started the conversation with "let's talk about this intelligently." Really Miss community College 30 years ago. I told her I would consult an attorney if I need to her reply. "I won't allow you to talk to me like this." Really? I am lit up right now and will pursue legal action if need be. She hung up on me. I did tell her before she hung up that I'm beginning to see that Aflac is a scam. Help...I want the $10,000 they owe me.

My claim keep getting denied and they don't tell you why, not upfront at least. Was told I didn't send the correct billing codes. Got the correct billing code from the DR office. Then denied again. Why? You didn't meet the waiting period yet. But then I'm told that part of the claim is valid. OK, do that then. No, you didn't file the right billing codes. And now I am stuck until Open Enrollment to cancel. TRUST ME! Don't waste your money. You won't get back much anyway. Stash that money into a savings or CD instead.

I’m about to cancel them. I’ve been paying them for 14 years! I can’t work due to pregnancy complications. They have denied my short term disability for months. Don’t rely on them. They will keep making you jump through hoops! But expect you to pay them every month but when it comes to paying you it’s a problem!

⚠️ Warning About My Experience With Aflac. I have been disputing a legitimate claim with Aflac for over a month and have experienced repeated delays, lack of resolution, and poor communication throughout the process. Based on my experience and many similar customer reviews, I believe the company’s claims handling practices are extremely concerning.