Aflac

My fiance has Aflac short term disability and hospitalization. Due to punitively high deductibles, he was forced to have two knee replacements in the same calendar year. He had signed up for "x" amount of short term disability each month and had been paying premiums for several years, accordingly. He had his first surgery in January 2010 and got paid disability payments while he was off, based on that "x" dollar amount.

In October 2010, he had his second surgery. We submitted all paperwork and jumped through all the hoops Aflac required. They delayed, delayed and delayed. Finally after calling, Aflac wanted his W2s. He gets a 1099 from two other sources in addition to his W2. Aflac deemed his 1099s as "not income" (tell the IRS that!) and reduced his benefits $600 a month, just like that! What about the extra premiums, we asked? They "offset" the "overpayment" of benefits in January 2010, by his additional premiums! He's been off since October 25th and has received one disability payment! After an hour of runaround today, they finally told him they needed another employer statement. It's quite apparent that Aflac will do whatever it takes to continue to collect premiums and not pay out any benefits.

I'm filing a complaint with the state insurance commissioner! They are dishonest, plain and simple!

I have had Aflac insurance for the last 9 months. I had an injury and they've paid for the ER visit and 1 MD visit. They've not paid for any of the therapy or subsequent visits to MD. I've been in touch with Devin N., my agent, and he stated he does not know where the problem is but he admits they owe me more money. Devin is now saying he's dropped the ball as well. I've submitted (faxed) the required paperwork repeatedly and I've only seen (1) check for the $155.00 and a letter saying they would not pay anymore on the claim. This letter was faxed to Devin N. as well per his request. This is shoddy treatment at best and I'm not one to pay to be treated shabbily while someone else is getting money off of my monthly payments.

I have been employed at 24hrs per week for 8 years with a short term disability policy through AFLAC. After emergency surgery, I made a claim only to have it denied because I work less than 30 hours per week. They sold me the policy and I have been paying for years. When I said fine, give me back all the payments I've made to your fraud policy, they said I was right and would re-review my claim. I just saw online that they denied it again. I keep getting the run around. Don't use this company. It's a scam.

I became ill on 9/19 and went to the hospital. I found out I have congestive heart failure. I was healing at home and trying to collect my Aflac and they have tried to pay me back my payment that's been in review sent in Sept saying I have this condition when I signed up. I would like them to pay me the money they owe me since I have been off work. I am hoping to return to work in April when my doctor releases me and I am still paying my payment every month to Aflac.

I have been waiting 8 months for a Short Term Disability claim and AFLAC has been stalling with excuses and ignoring my neurologist's completed and signed claim form stating my disability with MRI results. AFLAC said that needing a cane or walking stick to move, due to the results of my condition. MRI was submitted and they thought I'm not disabling enough, that I must be completely helpless needing another human to perform all my duties. I requested an appeal of their decision of denial. I have had this AFLAC policy since 1999.

I have had AFLAC now for three years. I started with accident and sickness coverage. After the first year, I heard about AFLAC dental from my AFLAC insurance agent. Having many dental problems, I decided it would be a good investment. To date I have given AFLAC almost $1,500.00. And when I submitted my dental claim, they told me I did not have dental coverage. After giving them the policy number, they agreed I do in fact have the coverage. I have submitted the same claim for 3 months.

Each time, AFLAC refuses to pay, saying I did not submit the proper paperwork. The most recent call was shocking. They told me the paperwork I faxed to their office did not get there. I have to spend another 6 dollars and fax again. As a single mom of two, who makes only 3 dollars an hour plus tips which aren't much, I am at my wit's end. How can they treat people this way? AFLAC employees are incompetent to do their jobs correctly. My AFLAC guy (Jonesville MI) is a liar and a cheat!

My daughter had an accident requiring several visits to the E.R., ambulance rides between three hospitals, hospitalization in Louisville at Kosair Children's Hospital for several days, and an ambulance transport to and from Kosair from Henderson, KY. I submitted all the information to Aflac in person and through my employer. My HR Department even helped Aflac with the additional information requested but I never received a single payment on my claim. I canceled my policy in disgust and frustration. However, I am still owed for that claim and I want my money.

On August 15, 2011, my daughter, Kentrica **, had an accident with her Nissan Saturn between 5:30 to 5:50 when a deer ran out in the road. I, her mother, (Della **) have insurance with Alfa Insurance for many years. My local agent, who represents Alfa in Lexington, MS, told me told me that Alfa could not pay me because my daughter was an excluded driver. I did not know what she was talking about. My agent said that in 2004, I signed my daughter as an excluded driver. I said, "No! That is not correct." During that time, I was advised that my daughter could not drive by herself because she was a minor (she was 16). I wasn't aware that I was signing papers stating that my daughter couldn't drive any car (not even her own car) when she became 21.

I felt so misled by my local Alfa agency. For one, my agent never tried to go over my policy with me. Not once did my agent sit down with me to look or go over my policy. I always paid my insurance and renewed my car, home, and life insurance at my local Alfa office in Lexington, MS, and there was never a discussion about my daughter and the way she was listed on the policy. If my Agent had been proactive and came to me about this, there is no doubt that I would have taken care of this. No doubt!

In 2008, when I walked into my local agency to put full coverage on the Nissan Saturn that I had bought for my daughter, I wasn't told anything about the way she was listed on the policy (and about her being an excluded driver). But why? This would have been a perfect time to let me know about the policy and the way my daughter was listed on it. I told my agent that the car was for her. My agent got a copy of her driver's license at that time and there was no notification from them about my daughter being an excluded driver.

On December 11, 2009, my daughter's car was stolen and wrecked while the car was in her possession. Alfa Insurance didn't have a problem fixing it at that time. Again, there was no mention about the way she was listed on policy and about her being in excluded driver.

On August 15, 20011, my agent told me that she was sorry that they couldn't pay us because my daughter was an excluded drive in 2006. It was the first time that I heard about it. I told her how I felt misled because she never said anything to me about this matter. She replied by saying, "I'm sorry, my office should have caught this a long time ago."

My agent should have never treated me this way. She should have broken things down and explained to me what was going on. This is what and why policy-holders like me pay insurance agent for--to help. To help people like me understand what we are signing so as not to be misled. Instead, my agent covered things up, tried to conceal part of the contract and did not give clear representation to what I was signing. I paid my policy on time at the local office here in Lexington, MS. I held up to my part of the contract; now, it's time for Alfa Insurance to keep up to theirs. The agency had no problem collecting money or renewing my policy for profit.

I have been with Alfa since 1992; I have all my vehicles insured with them, together with a life insurance. As you can see, I do a lot of business with Alfa Insurance and I think Alfa need to fix my car or do whatever they have to do, to keep their part of the contract. Lastly, if I was misled, there is no telling how many other policy-holders like me had been misled or given inaccurate information about the policy they bought for this agency.

I have been a loyal customer with AFLAC since 2004 and paid my dues on time each year for approximately 7 years. This year was the first time I filed a claim with them and outcome is sadly disappointing. Process was a nightmare! I believed and trusted AFLAC that claims were quick and easy process. My horrific experience with AFLAC caused me to lose my patience, became extremely frustrated, stressed, and annoyed with their service and policy. After explaining the nightmare to 7 different AFLAC representatives (7 chances to resolve the matter) is irrelevant now.

I'm no longer expecting resolution because from what I learned through this process made me wake up to the decision of terminating my policy and will no longer refer anyone to AFLAC! I regret that this was a very expensive lesson to learn and do not wish anyone to go through the same hell as I did. I paid to AFLAC approximately $4500 for unwanted misery, waste of time, and waste of money! Thanks for nothing AFLAC! I will continue to share my awful AFLAC experience with everyone I get a chance to speak with till my last breath. That is how much I strongly dislike AFLAC and I discovered that I'm not the only one! AFLAC does not know how to resolve claims, only know how to create unnecessary issues. Speaking to 7 of their representatives each bring up different issues proves that. Also, they do not know how to own up to their mistakes/ responsibilities.

I contacted the Aflac repersentative to cancel my policies in Fed 2011. After several phone calls, emails to both the agent, Aflac and the agents supervisor I recieved a letter stating my Aflac was cancelled in June!! I submitted all the required letters from both myself and my employer to the Aflac Agent back in Feb 2011 to cancel the policy. I was inform by the Agent Jace, that I would be get my preiums back since I NEVER filled a claim on the policy and I cancelled in Feb. 2011.

Aflac set a letter stating that I was not getting any of my preiums back since I did not cancel until June 2011. I can show this is not true and they are breaking the law. I has all the documentation showing the Aflac agent had all the documentation and request to cancel my policy in Feb. 2011. I should not have to pay for the agents laziness! I deserve my periums back from when I had submitted all the requested documentation to the Alfac agency in Feb. 2011. The agent even put in my legal name differently then what was on my application forms in Nov. 2010, making things even more difficult!

I contacted my Aflac agent twice before my operation and he said I had Aflac coverage. After the operation, he emailed me an application and I filled it out correctly. However, I was denied benefits for wrong coverage. I was under the impression that a person who sells policies knows how to read. I was wrong. I got stung again.

I purchased a short term disability policy several years ago. I made sure at the time of making the purchase that I was covered on and off the job. I was told by the account manager that it will indeed pay for on the job injuries. Well, it does not. The explanation I was given was that because I was receiving money from workman's comp, I couldn't "double dip". I've since been cut off from workman's comp and still unable to work. When I requested that they re-open my claim they said they don't cover on the job injuries period.

The account manager should be fired and Aflac should have to pay my claim. I will never recommend Aflac to anyone. I am going to go out of my way to tell everyone I know with such coverage to drop it because in the end they are not going to be paid out.

I am forced to live with my family because of my condition. I lost my home, my life is all about taking pain meds and basically waiting for each day to be over.

When the rep signed me up in 2009, he messed up my account. He had my husband's name spelled wrong my date of birth was wrong and listed him as individual instead of family. So when my husband passed in Oct., I had a mess to deal with there, not to mention my real complaint.

My doctor filled out the paperwork for the claim of heart attack. My husband never woke up and was pronounced dead by the ambulance. My doctor even per my request wrote to the Aflac that my husband passed suddenly at home and that he passed from sudden cardiac death, myocardial infarction and ventricular tachycardia and Aflac says because the death certificate doesn't spell out heart attack that they aren't paying my one time heart attack allotment. I'm here to tell you they aren't getting away with it. I couldn't get anyone to do an autopsy and I didn't have $2200 for it to have one done because my husband died at home.

I have been emotionally defeated. I cannot believe that because the doctor didn't put the exact words. Even though I have faxed over the meanings from online, it doesn't matter. I have gotten 2-3 letters stating that I am not getting any payment for this.

I had knee surgery October 20th. I filed my claim the following week. They sent me a letter requesting my physician's notes. My physician's admin sent the information. When I phoned AFLAC, they told me there was an income discrepancy between what I submitted and what the job submitted. They also told me, once they clear that matter up, they'd have to reimburse me for the money I had been paying at a higher premium. I sent emails to two agents and headquarters. As of today, I'm still waiting for my claim to be disbursed because my status continues to say pending. I'm so frustrated with AFLAC. I don't know what else to do! I'm home with no money to pay my bills AFLAC promised to help me pay!

As an employee at the time of Hardees, Aflac came to sell insurance packages to my place of employment and at the time I had none whatsoever so it seemed like a good idea. Agent Holly ******* seemed like a likable person and someone I could trust with selling me an honest insurance package. We had discussed Whole-Term Life and Accidental Insurance and I agreed to these two separate packages. I had asked about dental insurance. However, she assured me that the package wasn't worth even looking at and that I should stick with what I had in mind.

When I finally get my check I notice that Life, Accidental, and Hospital is taken out although I only gave my written consent for Life and Accidental. The Hospital package was an additional $19.32 extra and so I immediately contacted Ms. ******* and she assured she would have this removed immediately. It ended up being taken out of two separate checks and I have been battling ever since to be compensated for it. I signed up for the plans on July 7, 2010 and ever since then I have yet to be compensated.

I try to contact Ms. *******; however, she refuses to return my calls or is always out of town at the time of my calls and I have to leave a message. When I do contact her, she always assures me that she is working on my case. However the person she has to contact about it is out of town at the time and she will have to get back with me when they return. I even signed and faxed papers back in September towards my reimbursement and have yet to hear another word. I try to call customer service and they cannot even find me in their system and say there is nothing they can do for me since I am not even found as a client although I am a paying customer and have proof of it!

Oddly enough, when I leave messages to her threatening to call corporate on her or speak to her supervisor, she responds immediately! I have never seen such lack of unprofessional conduct and simple lack or concern for a paying client in all of my life. I want this to be exposed and hopefully no one else will have to go through what I've had to go through with Aflac.

I obtained Aflac through my work about 2 years ago. After 1 claim, the Aflac member who dealt with my company refused to contact me back, after I had another claim, so I cancelled my Aflac membership. Well, 6 months ago, more Aflac reps came to my work, and wanted me to sign up again, and I told them what had happened before, and they promised that they wouldn't do that to me, and assured me the girl who wouldn't return my calls, had been fired for doing what she did to previous people as well.

So I regretfully signed back up, and about 3 months later, I had to file another claim, and now its been over a month since I filed my claim, and I still haven't seen, or heard from the reps who promised me they wouldn't do this. I recommend to anyone that is thinking about enrolling in Aflac, to not do so. Aflac is a big waste of time and money!

We have paid for our "Accident/Disability Policy" with Aflac since 2/08. Our "type of policy" is described as "Named Insured/Spouse" as we pay additional to cover my wife. I was told by the Aflac representative that with the additional fee, my wife would be covered as I was. Along with that, we have two additional riders described as "off-the-job accident disability benefit rider and sickness disability benefit rider". We were led to believe that we both had the same coverage and shared the same benefits of the policy.

In reading the very "in depth" (we'll call it) policy, one finds that the policy is mostly written in the wording for an individual policy and it would be just that if not for additional riders and fees to cover more, such as that of an additional family member. The section describing "Type of Coverage" reads "see your Policy Schedule to determine the Type of Coverage issued: Individual, Named Insured/Spouse Only, One-Parent Family, or Two-Parent Family". Under the description for "Named Insured/Spouse" the definition reads "coverage for only you (the Insured) and your spouse."

The "Policy Schedule" shows "My Name" as the insured. I understood this to mean the "Main policy holder" and nothing more. I mean it's got to be under someone's name, does it not? The important part for me is that my wife is covered as well. It appears she is as described under "Type of coverage- Named insured/Spouse" to be found on the very next line. With all these statements in the policy we had no reason to think my wife doesn't share in all the same benefits of the policy that I would, especially since we pay additional to have her on the policy. Recently, my wife took ill and spent 9 days in the hospital at a cost of almost $250,000 to date, paid mostly by another insurer, thank goodness.

She had two weeks of recovery time at home and off of work. We filed a claim with Aflac under the "sickness rider" and the claim was denied with the simple explanation that "my wife was not covered under the policy riders". To look at and see these policy documents, there is no reason at all to think she would not be covered. Then you come to the rider and their coverage. "This rider applies to the Insured only, as shown in the Policy Schedule." Yes, I saw this. Still, I thought that with the additions on the policy that it included my wife as described in "type of coverage" and as described to me by the Aflac representative. I was wrong and we have canceled our policy with Aflac.

A layman and simple person has no chance against some insurance companies that are out there and we feel very deceived and flat out ripped off by Aflac. We can't and will no longer recommend Aflac as a reputable company, and our hope is that others will see this deception before it's too late.

I have a temporary disable insurance plain with AFLAC. I have not been able to return to work since March 9, 2010 due to fall in work place. I hurt my lower back. My doctor keeps me out until my lower back gets stronger. I've already submitted two 2 claims which I've been paid for. Now I submitted a third claim and now AFLAC sent me a letter saying that they lost my record I'm two months late of my mortgage. Please help me, I can tell those people don't want to pay that kind of money because my doctor note and a note from job were correct.

My husband and I are self employed. In February, we purchased an accident, hospital and intensive care. May 7, 2010, we added short-term disability and cancer policies. We pay over $400 a month. We own our company, so we paid the premium through a personal account. They cashed the checks then claimed we were not insured due to nonpayment since it was supposed to be paid out of our business account. It took months and an apology letter, but they reinstated the accounts. On May 26th, after a few weeks of pain, my chiropractor ordered an MRI and accidentally found a tumor. On June 30th, the tumor was removed. On July 12th, I learned through the pathology report that it was cancer.

Aflac has denied my short-term disability policy stating it was pre-existing before the 30 days. Even though I continued to work until June 24th. They have cashed $1200 worth of premiums, have not paid on the cancer policy, denied the short term policy, not paid on the hospital policy nor the intensive care policy even though I spent 6 days in the hospital and 14 days in rehab.

I have purchased insurance through my job. At first, I tried to cancel the insurance and could not at that time. Headquarters sent me a letter basically saying that they're glad to have me as a customer and nothing more of what I was asking. After I decided to take it upon myself to keep the insurance, I had to go to the hospital to emergency. While checking in, I was asked for an insurance card for proof of insurance. I had none! When asked for one through my representative through headquarters and every other source that I knew to go through, I still have not yet receive a card or any other proof of insurance that I could show in case of hospital insurance. Can you recommend any other idea to get this matter resolved? Thank you for any kind of help you can offer.

I had payroll deduction from my employer, County of Imperial, for the amount of $22.92. During our open enrollment, I cancelled my policy through Aflec on October 17, 2009. Our new insurance starts in January 2010. However, the deductions were still being taken at. I contacted our human resource department to notify that payments were still being deducted from my payroll. I have the copies of cancellation signed by Edit, their agent, and I have spoken with Becky. Becky sent the copies to their headquarters in Columbus, Georgia but they would not refund me my money because the payroll deduction was failed to be stopped by my human resource department.

I have spoken to our human resource department and they said that Aflec should refund me my money but after many phone calls and letter, they refuse to refund me my money. I cancelled my other policies with Unumand they were also still being deducted from my payroll but that insurance company refunded me all my money back. So, what if they do this to every employee that doesn't get their payroll deduction stopped? They will be collected a lot of extra money and would they have honored my policy if I had got sick and used it? Please help me!

They have determined that due to my husband being killed in airplane crash that if it is not a common carrier and he did not pay for the flight. They are not paying his death claim. I have has this policy since2002. I am now a widow with no other source of income. I was hoping for the claim to at least keep me afloat.

I was sold short term disability policy by this Aflac rep. back in November of 2007, not knowing that I did not fulfill the requirements for being eligible for the policy that I did not work enough scheduled hours at my job. Beginning with my first week back at work in February of 2008, automatic deductions of 29 dollars were deducted from my paycheck every 2 weeks by Aflac.

In November of 2009, I had a baby and filled out my short term disability claim form. About 3 weeks later, I received notification that my claim was being reviewed. After contacting Aflac, I was informed of the error in signing me up for this policy. At this time, I was reassured that even if my claim was denied, I would be rescinded my policy premiums that had been automatically deducted from my check every 2 weeks.

In February my claim was denied, and Aflac confirmed that my policy was to be rescinded. On February 12th, my first paycheck from work had an additional 98 dollars deducted from it, so I contacted Aflac on February 17th to notify them that even though their associate Janet had stated she would cancel the policy in December, deductions were still being made. I also inquired as to whether my cancellation payment had been sent yet. The customer service rep. told me that my payment of 395 dollars was sent to my job, because they stated it was "pre-taxed".

I told the rep, I wanted to speak with a supervisor, whom I explained the situation too and she told me that 395 dollars was all that Aflac had received from me. I told her that previously in December, a customer service rep had told me that I had paid up to 1,200 dollars. When I told the supervisor Olivia that (I think was her name), she responded, "he shouldn't have given you that information". I told her my policy payments started in Feb. of '08 and simple math would show 10 months of payments equaling close to 600 dollars for the first month alone. The supervisor then responded that she did not show that they had received the money. I told her I was filing a small claims report and she then responded, "Well, now we can't counsel you anymore concerning this, you should check with your job concerning the money."

I have since contacted my job to seek some guidance into where my money could have possibly gone. I have check my previous check stubs and the Aflac deductions are on there each week. I am seeking the full refund of my policy premiums that were paid in good faith. My benefits specialist at St. James, Veronica S. also explained to me that similar circumstances have happened to several other people at our place of employment, and that the Aflac rep who sold the policy was not able to be contacted by St. James. So her boss was then contacted by St. James to review the situation. I have now lost over 1,200 dollars concerning this policy, money that I could have saved while pregnant. I have 3 children and bills to pay. This has affected our financial situation in our home in that past few weeks. It will take a few months to catch up our savings to what it once was, as we are on a strict budget.

AFLAC miss processed my information in the computer and they were still trying to bill my previous employer and not my current method of payment. The Agent kept saying he would take cae of it and they would not penalize me. To date I have been off work for 3 weeks and still not progress and no payment.

AFLAC denies access to my FSA funds! AFLAC collects funds bimonthly into my FSA, then denies the use of my debit card at physicians and dentist offices! When I call to complain, they say, "Oops. We made a mistake," and vow to correct it. But they don't. Repeatedly. By making it so extremely difficult to access MY hard-earned money, they are hoping I will eventually give up and they can keep my funds at the end of the year. This behavior is so unethical!

National statistics indicate that DEPRESSION is a serious and debilitating mental condition, which i cannot comprehend why many or all supplementary insurance companies who are supposed to cover short or long term disabilities do not list DEPRESSION as a covered Illness/condition. California State Health organizations recognizes DEPRESSION. Our government health angencies recognize DEPRESSION. Our primary insurance coverage recognizes DEPESSION. Why not supplementary insurance companies such as Aflac?

AFLAC received payment of $51.30 from me on April 11, 2008 and never credited it against an accident policy which I have with them. Despite having Bank of America provide them with proof of payment, and AFLAC admission that amount wasn't credited to the account, they have done nothing to credit the account, and have cancelled the policy due to the "shortfall" of $51.30 now a second time despite my continuing to make payments. Currently, I have filed a complaint with the insurance commissioner. I want all my premiums refunded on all my policies (accident, cancer, hospital) to me since I started the policies about two years ago, as my feeling is that if they stole $51.30 from me, and haven't made things right, I don't have confidence in their ability to honor claims.

The below is an excerpt of a letter I sent to Aflac New York to file a formal complaint.

Prior to choosing a policy I spoke on the phone and met with one of your representatives (unfortunately I am unable to read his signature on my documents and his name is not printed in any other location). I informed the agent that I was interested in a short term disability policy for the sole purpose of maternity leave. When deciding what length of time the policy would cover, the representative advised a one year policy. I agreed with this and began to plan my pregnancy and maternity leave based on a year long policy.

I gave birth to my child on December 19, 2008. I informed my employer that I would return to work September 2, 2009. I received a check for my short term disability; printed on the back was a statement that maternity leave is only good for 6 week coverage.

Although your representative never stated that the year long coverage would cover maternity leave, he did not specify that would only cover 6 weeks. In addition, your agent knew that I only bought the policy for maternity leave yet he suggested a one year policy rather then a three month policy. Your agent was misleading and took advantage of my lack of understanding of the

legalities and payments available in this situation.

My contract with my employer only allows me to return to work on February 1 or September 1. I choose to have my baby in December/January because I was under the impression that I have a policy that would pay out for a year. If I new my policy only covered 6 weeks I would have planned to have my child later in 2009.

Now due to your agents misleading me, my husband and I are struggling. During these rough economic times everyone is stressed. I tried to take steps to ensure our financial security and instead I am worrying about how I am going to pay my rent and keep food on the table. My husband has now had to take a second job and leaves our home at 7:30am and does not get home until 12:30am. In addition to having to stress about our finances he is unable to bond with our child because he is either working or sleeping.

When I called your customer service all the agents would repeat is how long the policy covers maternity leave. One agent commented that he did not know of any policy that paid for up to a year for maternity leave. I informed him that that would have been fine; if I was told this before I planned my pregnancy and maternity leave around this policy.

I work for a job that pays commission only. During the first several months I did quite well. I signed up for health insurance (Blue Cross) and for AFLAC. The commission job that I had, sales, dried up. Because I didn't have enough money to buy a cup of coffee, I asked my HR department how I could get out of the contracts. Blue Cross cancelled me right away. I was told to contact the AFLAC representative. He never responded.

Following, I began receiving letters from AFLAC stating they did not receive my premiums; and that, effective January 3rd, they were canceling my policies. This was 3 months after I signed up. On January 5th I called AFLAC and asked them if they had received my premium. They told me they had not. The representative advised me to ask my HR department for a refund. I did this. Again the HR department told me they did not get involved.

On January 14th, I received another letter from AFLAC telling me to disregard the previous letter and that they had received the premium. I was advised that they would not cancel the policies. I told them I would be contacting the BBB and the Attorney General. Today (3-4-09) I sent a letter to AFLAC to tell them I believe they are a bad business. I also said I found them greedy and unfair.

I am behind on every bill I owe. I have no money for food better yet health insurance. I am at my wits end.

To whom it may concern. We were solicited by a J. E. L a sales associate of Aflac insurance company, a supplemental insurance company, for accidental, and health disability insurance. We were told both of our children of ages 19, and of 21 would be covered as long as they were students. And we paid each month for their coverage. We were then visited by J. and his supervisor B. D. We were absolutely told and signed up as a family coverage for family insurance. The application taken reflected information regarding names and ages of each child. We also signed up two of our employees as well. Our premiums were between $453.00 and $566.35 each month, depending on number of weeks in a month. We paid 9 months of premiums. In total we paid $3,963.75.

On July 21, 2008 my daughter had a swimming accident. We contacted Aflac and was assured she was covered. We received a short time later a denial letter stating she was not under 19 when the policy was written. Our agent said absolutely that was incorrect. Our agent contacted the home office and again we were told that was incorrect as long as she was a student. We had to obtain her admissions proof of a full time student. We were given a claim number And was assured by Mary on 11/26/08 that this was a mistake and given a routing number of SIRIT40.

WE WERE THEN TOLD THAT THE SALES ASSOCIATE AS WELL AS HIS SUPERVISIOR WAS INCORRECT. THAT neither of our children were ever covered because of their age. Meanwhile they accepted out payments for 9 months. We feel that we were mislead by both the sales associate and as well as the supervisor and the home office of Aflac. We are demanding to recover all our premiums regarding this improper handling and misleading information.

The consequences here are not dire or life threatening, but in these hard economic times, I really hate being misled into spending money for insurance that isn't going to pay out when needed. The nine months of insurance premiums paid totaling $3963.75 as well as the amounts the policy would have paid out for tests and other necy expenses in her recovery which are currently out of pocket.

I have been denied cancer payments and I have been stalled for 20 months. Aflac has given my cancer information out to a third party and that is illegal! They know that families with cancer can not fight them let alone an individual.

I amy certainly die as a result of not being able to pay my doctors or buy medications and eat at the same time!

I first signed up with AFLAC through my employer, Outback Steakhouse, Medford, Or. The gentleman who signed up myself and other co-workers was very misleading from the beginning. He led us to believe AFLAC was medical/dental ins. coverage, when in fact they are supplemental accidental ins.

After discovering this I decided the accidental wasn't worth my while, so I wanted to cancel it, but keep the dental. After calling the number given to me through Outback, I was told I could cancel within 30 days after signing up. They proceeded to tell me to fax my information and request for cancellation into them. And I did several days later, and still well within the 30 day time period.

When I picked up my paychecks soon after, there was no withdrawl for the AFLAC services, which implied to me they cancelled the whole pkg. No accidental or dental. Then about a year and a half later, all of a sudden they Outback Evergreen starts deducting the AFLAC premium from my paychecks again without me noticing for the next year and a half. So when I did notice, I thought O.k. they didn't cancel it. So I went to the dentist. Reported a claim and they wouldn't pay for it, because they said I wasnt't covered to that time period. The whole thing is so confusing.

Between the bookeeping at Outback Evergreen and AFLAC, I'm now out money I paid into AFLAC, even though I cancelled the accidental within 30 days as they advised me how to do. Then thinking all of it was cancelled due to no deduction from paychecks, only to start deductions so many months later, led me to believe they didn't cancel my dental. I went to the dentist only to end up paying the bill myself, because AFLAC said I wasn't covered for that time period. Then realizing the accidental wasn't cancelled as requested, I began my research into this big mess. The total withdrawn from my paychecks for the accidental est to about $300.