Aflac

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Sharon of Imperial, CA March 20, 2010

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 Oct 17, 2009.Our new insurance starts in Jan 2010. However the deductions were still being taken at, I contacted our human resourse dept 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 spoke with Becy , becky sent the copies to their headquearters in Columbus, Georgia but they would not refund me my money because payroll deduction was failed to be stopped by my human resourse dept. I have spoke to our human resource dept and they said Alfec 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 Unum and they were also still being deducted from 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!

chris of beverly hills, FL March 15, 2010

They have deermined 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 thispolicy since2002. I am now a widow with no other source of income . I was hoping for he claim to at least keep me a float

Nicole of Joliet, IL February 17, 2010

I was sold short term disablility 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-namely 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 recieved notification that my claim was being reviewed, after contacting AFLAC I as informed of the policy 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 At this time I was reassured that even if my claim was denied, I would be rescinded my policy premiums that had been automatically deducted from my check every 2 weeks.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 associat Janet had stated she would cancel the policy in December, deductions were still being made. I also inquired ast to whether my rescindment 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 'pretaxed'.

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 recieved from me, I told her that previously in December a customer serivic rep had told me that I had payed up to 1200 dollars, when i told the supervisor Olivia (I think was her name) that, she repsonded 'he shouldnt 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 equalling 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 cant counsel you anyomore 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 here boss was then contacted by st. james to review the situation.

I have now lost over 1200 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.

Ra'Chel of Smyrna, GA December 10, 2009

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.

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

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