Aflac

Save up to $379 on Your Auto Insurance. Compare Quotes from Top Providers Now! Find the Best Deal and Apply! - Adv.

beth of Tallahassee, FL November 21, 2009

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!

David of Sherman Oaks, CA October 27, 2009

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?

thierry of miami, FL May 24, 2009

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.

Cathleen of Bronx, NY March 10, 2009

Cathleen of Bronx NY (03/10/09)
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.

Wanda of Baltimore, MD March 5, 2009

Wanda of Baltimore MD (03/05/09)
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.

Brandy of Medford, OR February 1, 2005

Brandy of Medford OR (02/01/05)
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.

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Share		Follow us on Twitter.

Back to the top |