AflacReviews of aflac.com

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.

Absolutely worst supplemental insurance company I've ever had dealt with. I recently needed eye glasses. Upon contacting Aflac the employee couldn't communicate very well and certainly couldn't communicate in English. I was told I didn't have a vision policy. Finally after finding an employee that knew how to communicate I was told what I knew to be true that I had a policy. I spoke with a tier one manager who was polite and courteous and she did her best to accommodate me. After a few days I contacted Aflac again and was told I could drive 34 miles to Georgia from Hilton Head SC and I could use my policy there a few days after being told I could use the vision center here on the island. The absolute worst part of dealing with this inept company was I never received my vision ID cards four months after signing up for the policy. Suffice to say I've cancelled my policy and I feel completely ripped off. Stay away at all costs.

If I could rate Aflac less than zero, I would. I had several serious medical problems last year. The paperwork required to submit a claim was clearly designed to avoid submitting a claim. Each claim took many hours - physicians examination records, was it an accident? A hospitalization? A critical health problem? If you filled out the wrong form, rejected out of hand. All of my claims were essentially rejected, with a pitiful $150 check sent on medical bills in the thousands of dollars. Supplemental insurance to protect your finances? It is a total joke, or if you like, a sham.

AFLAC IS A SCAM. I purchased a 12 month disability police through my employer. After a few years my employer dropped Aflac for what they found better. I was told I could continue to pay direst and did. 2015 my doctells me it's time to stop working and submitted the required documents. After three months social security approved me, but Aflac said I need documents from my employer. They have no record of my disability because I was working directly with Aflac. They continue to collect a monthly payment knowing that I could never collect. We I requested a refund it also was denied.

called for a quote this company discriminates once they find out a person is over 60 they wont insure smh losers