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Better Business Bureau ®
Start With Trust®
East AL, West & Southwest GA

BBB Accredited Business since

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Description

This company offers a supplemental line of insurance to include hospital indemnity, accident, short-term disability, long-term care, intensive care and a life plan.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Aflac (Headquarters) meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Aflac (Headquarters) include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 468 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

468 complaints closed with BBB in last 3 years | 170 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 27
Billing/Collection Issues 74
Delivery Issues 9
Guarantee/Warranty Issues 6
Problems with Product/Service 352
Total Closed Complaints 468

Additional Complaint Information

Aflac is headquartered in Columbus GA and is an international corporation with numerous afflilated independent sales offices and agents.  The company has requested that all complaints for Aflac and any offices and/or agents affiliated with the Aflac brand be centrally processed by the Better Business Bureau, Columbus GA. 

Additional Information

top
BBB file opened: March 03, 1956 Business started: 03/01/1955 in GA Business started locally: 03/01/1955 Business incorporated: 03/01/1955 in GA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

INSURANCE COMMISSIONER-ALABAMA
135 SOUTH UNION STREET #181, MONTGOMERY AL 36130
http://www.aldoi.gov/
Phone Number: 334-269-3550

INSURANCE COMMISSIONER-GEORGIA
2 MARTIN L. KING JR. DRIVE, ATLANTA GA 30303
http://www.gainsurance.org/
Phone Number: Main phone: 404-656-2070 Toll Free 800-656-2298

Type of Entity

Corporation

Contact Information
Principal: Mr. Daniel P. Amos, C.E.O.
Business Category

Insurance Companies Insurance - Accident & Health Insurance - Health Insurance - Life Insurance - Dental Insurance - Disability Hospitalization, Medical & Surgical Plans

Products & Services

Aflac (Headquarters) sells the following brand(s): Aflac

Aflac (Headquarters) offers the following product(s): Policies: Accident, Cancer/Specified Disease, Dental, Hospital Confinement Indemity, Hospital Confinement Sickness Indemiity, Hospital Intensive Care, Juvenile Life, Whole Life, Term Life, Lump Sum Cancer, Lump Sum Critical Illness, Short Term Disability, Vision, Supplemental Insurance

Alternate Business Names
Aflac American Family Life Assurance Co.
Industry Tips
Insurance

Additional Locations

  • 1932 Wynnton Rd

    Columbus, GA 31999 (706) 323-3431 (800) 992-3533

  • THIS LOCATION IS NOT BBB ACCREDITED

    11275 Dovedale Ct, Ste A

    Marriottsville, MD 21104

  • THIS LOCATION IS NOT BBB ACCREDITED

    1325 Mount Hermon Rd Ste 13B

    Salisbury, MD 21804

  • THIS LOCATION IS NOT BBB ACCREDITED

    265 Mill St

    Hagerstown, MD 21740

  • THIS LOCATION IS NOT BBB ACCREDITED

    8017 York Rd

    Towson, MD 21204

  • THIS LOCATION IS NOT BBB ACCREDITED

    809 Gleneagles Court

    Towson, MD 21286

  • THIS LOCATION IS NOT BBB ACCREDITED

    9525 Harford Rd

    Parkville, MD 21234

  • THIS LOCATION IS NOT BBB ACCREDITED

    1819 Bay Ridge Ave

    Ellicott City, MD 21043

  • THIS LOCATION IS NOT BBB ACCREDITED

    5608 Beach Haven Rd

    East New Market, MD 21631

  • THIS LOCATION IS NOT BBB ACCREDITED

    5317 50 Ave

    Red Deer, AB T4N 4

  • THIS LOCATION IS NOT BBB ACCREDITED

    1321 Millersport Highway

    Williamsville, NY 14221

  • THIS LOCATION IS NOT BBB ACCREDITED

    22 Corporate Woods Blvd #4

    Albany, NY 12211

  • THIS LOCATION IS NOT BBB ACCREDITED

    300 Pearl Street

    Buffalo, NY 14202

  • THIS LOCATION IS NOT BBB ACCREDITED

    New York Department 6010Po box 15087

    Albany, NY 12212

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 15087

    Albany, NY 12212

  • THIS LOCATION IS NOT BBB ACCREDITED

    129 Penacook Street

    Concord, NH 03301

  • THIS LOCATION IS NOT BBB ACCREDITED

    234 Lafayette Rd Unit 7

    Hampton, NH 03842

  • THIS LOCATION IS NOT BBB ACCREDITED

    68 Massabesic Dr

    Auburn, NH 03032

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Michael Dr

    East Hampton, CT 06424

  • THIS LOCATION IS NOT BBB ACCREDITED

    258 Main St

    Portland, CT 06480

  • THIS LOCATION IS NOT BBB ACCREDITED

    281 Bittersweet Rd

    Orange, CT 06477

  • THIS LOCATION IS NOT BBB ACCREDITED

    70 Cove Rd

    Stonington, CT 06378

  • THIS LOCATION IS NOT BBB ACCREDITED

    823 Boston Post Rd Ste A

    Old Saybrook, CT 06475

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 Summit Ct. Suite 204A

    Fishkill, NY 12524

  • THIS LOCATION IS NOT BBB ACCREDITED

    122 E. 42nd Street, Ste. 1512

    New York, NY 10168

  • THIS LOCATION IS NOT BBB ACCREDITED

    199 Water Street, 23rd Floor

    New York, NY 10038

  • THIS LOCATION IS NOT BBB ACCREDITED

    9800 A McKnight Road #303

    Pittsburgh, PA 15237

  • THIS LOCATION IS NOT BBB ACCREDITED

    7500 Brooktree Road

    Wexford, PA 15090

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 Jodi Lane

    Butler, PA 16002

  • THIS LOCATION IS NOT BBB ACCREDITED

    211 Quail Court

    Baden, PA 15005

  • THIS LOCATION IS NOT BBB ACCREDITED

    24 W Washington Ave

    Du Bois, PA 15801

  • THIS LOCATION IS NOT BBB ACCREDITED

    7500 Brooktree Road

    Wexford, PA 15090

  • THIS LOCATION IS NOT BBB ACCREDITED

    810 River Avenue Ste 230

    Pittsburgh, PA 15212

  • THIS LOCATION IS NOT BBB ACCREDITED

    97 Pickering Street

    Brookville, PA 15825

  • THIS LOCATION IS NOT BBB ACCREDITED

    9800 A McKnight Road #303

    Pittsburgh, PA 15237

  • THIS LOCATION IS NOT BBB ACCREDITED

    Olde Farm Office CentreSuite 104

    Duncansville, PA 16635

  • THIS LOCATION IS NOT BBB ACCREDITED

    810 River Avenue Ste 230

    Pittsburgh, PA 15212

  • THIS LOCATION IS NOT BBB ACCREDITED

    Olde Farm Office CentreSuite 104

    Duncansville, PA 16635

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 Jodi Lane

    Butler, PA 16002

  • THIS LOCATION IS NOT BBB ACCREDITED

    12 Crown Plz Ste 203

    Hazlet, NJ 07730

  • THIS LOCATION IS NOT BBB ACCREDITED

    8957 Edmonston RoadSuite Q

    Greenbelt, MD 20770

  • THIS LOCATION IS NOT BBB ACCREDITED

    2405 Park Drive

    Harrisburg, PA 17110

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 West 3rd Street

    Williamsport, PA 17701

  • THIS LOCATION IS NOT BBB ACCREDITED

    275 Mundy Street

    Wilkes Barre, PA 18702

  • THIS LOCATION IS NOT BBB ACCREDITED

    1780 WOODRIDGE COURT

    LEBANON, PA 17046

  • THIS LOCATION IS NOT BBB ACCREDITED

    District Sales Office226 West Park Place

    Newark, DE 19711

  • THIS LOCATION IS NOT BBB ACCREDITED

    1601 Milltown Road

    Wilmington, DE 19808

  • THIS LOCATION IS NOT BBB ACCREDITED

    7460 Lanceaster Pike

    Hockessin, DE 19707

  • THIS LOCATION IS NOT BBB ACCREDITED

    34 Cedar St, Suite 201

    Worcester, MA 01609

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    71 Elm Street, Suite 100

    Worcester, MA 01609

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    425 Union St # C

    West Springfield, MA 01089

  • THIS LOCATION IS NOT BBB ACCREDITED

    150 N Miller Rd Ste 300A

    Fairlawn, OH 44333

  • THIS LOCATION IS NOT BBB ACCREDITED

    2656 S Arlington Rd # B

    Akron, OH 44319

  • THIS LOCATION IS NOT BBB ACCREDITED

    835 Southeast Ave # 1

    Tallmadge, OH 44278

  • THIS LOCATION IS NOT BBB ACCREDITED

    8742 CLEVELAND AVE NW

    N. CANTON, OH 44720

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 Alexandria PikeSuite 220

    Fort Thomas, KY 41075

  • THIS LOCATION IS NOT BBB ACCREDITED

    602 Chillicothe Street Suite M117 # 117

    Portsmouth, OH 45662

  • THIS LOCATION IS NOT BBB ACCREDITED

    13957 STAMPER RD

    MOORES HILL, IN 47032

  • THIS LOCATION IS NOT BBB ACCREDITED

    225 Harrison Ave

    Harrison, OH 45030

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO BOX 365

    WHEELERSBURG, OH 45694

  • THIS LOCATION IS NOT BBB ACCREDITED

    8240 Beckett Park Drive Suite B

    West Chester, OH 45069

  • THIS LOCATION IS NOT BBB ACCREDITED

    11260 Chester Road Suite 100

    Cincinnati, OH 45246

  • THIS LOCATION IS NOT BBB ACCREDITED

    2041 FRANKLIN ST

    COVINGTON, KY 41014

  • THIS LOCATION IS NOT BBB ACCREDITED

    4010 Executive Park DrSte 300

    Cincinnati, OH 45241

  • THIS LOCATION IS NOT BBB ACCREDITED

    1025 Harcourt

    Mount Vernon, OH 43050

  • THIS LOCATION IS NOT BBB ACCREDITED

    30 Northwoods Blvd Ste 100

    Columbus, OH 43235

  • THIS LOCATION IS NOT BBB ACCREDITED

    4588 Kenny Rd # 100 A

    Columbus, OH 43220

  • THIS LOCATION IS NOT BBB ACCREDITED

    6827 N High St

    Columbus, OH 43085

  • THIS LOCATION IS NOT BBB ACCREDITED

    Regional Office760 Northlawn Dr

    Columbus, OH 43214

  • THIS LOCATION IS NOT BBB ACCREDITED

    5755 Granger RdSte 615

    Independence, OH 44131

  • THIS LOCATION IS NOT BBB ACCREDITED

    6450 Poe Ave Ste 211

    Dayton, OH 45414

  • THIS LOCATION IS NOT BBB ACCREDITED

    42 Wood Croft Trl.

    Dayton, OH 45430

  • THIS LOCATION IS NOT BBB ACCREDITED

    8648 Old Troy Pike

    Huber Heights, OH 45424

  • THIS LOCATION IS NOT BBB ACCREDITED

    14022 Royal

    Redford, MI 48239

  • THIS LOCATION IS NOT BBB ACCREDITED

    15337 Farmington Rd

    Livonia, MI 48154

  • THIS LOCATION IS NOT BBB ACCREDITED

    15337 Farmington Road

    Livonia, MI 48154

  • THIS LOCATION IS NOT BBB ACCREDITED

    18877 W 10 Mile Rd

    Southfield, MI 48075

  • THIS LOCATION IS NOT BBB ACCREDITED

    4488 Jackson Rd

    Ann Arbor, MI 48103

  • THIS LOCATION IS NOT BBB ACCREDITED

    4488 Jackson Rd

    Ann Arbor, MI 48103

  • THIS LOCATION IS NOT BBB ACCREDITED

    18877 W 10 Mile Rd

    Southfield, MI 48075

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    301 Erie Stone Rd

    Huntington, IN 46750

  • THIS LOCATION IS NOT BBB ACCREDITED

    3426 Taylor St

    Fort Wayne, IN 46802

  • THIS LOCATION IS NOT BBB ACCREDITED

    (District Office)605 W Edison Rd Ste B

    Mishawaka, IN 46545

  • THIS LOCATION IS NOT BBB ACCREDITED

    530 E. Lexington Ave., Suite 175 B

    Elkhart, IN 46516

  • THIS LOCATION IS NOT BBB ACCREDITED

    103 W. Wayne, Suite 300

    South Bend, IN 46601

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    25416 CR 6 (Former)Suite 104

    Elkhart, IN 46514

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    310 W McKinley, Suite 350

    Mishawaka, IN 46545

  • THIS LOCATION IS NOT BBB ACCREDITED

    625 E. Bristol Street, Suite BFORMER: primary, reportab

    Elkhart, IN 46514

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    7159 E Grace Ave

    New Carlisle, IN 46552

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    3300 Lower Huntington Rd.

    Fort Wayne, IN 46809

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    824 Mill Lake Road

    Fort Wayne, IN 46845

  • THIS LOCATION IS NOT BBB ACCREDITED

    616 Sawyer Rd

    Kendallville, IN 46755

  • THIS LOCATION IS NOT BBB ACCREDITED

    1151 Troutwine Rd

    Crown Point, IN 46307

  • THIS LOCATION IS NOT BBB ACCREDITED

    1364 Baldwin St

    Jenison, MI 49428

  • THIS LOCATION IS NOT BBB ACCREDITED

    4565 Wilson Ave SW Ste 5

    Grandville, MI 49418

  • THIS LOCATION IS NOT BBB ACCREDITED

    450 Morris Ave

    Muskegon, MI 49440

  • THIS LOCATION IS NOT BBB ACCREDITED

    678 Front Ave NW Ste 91

    Grand Rapids, MI 49504

  • THIS LOCATION IS NOT BBB ACCREDITED

    1023 Aberdeen St NE

    Grand Rapids, MI 49505

  • THIS LOCATION IS NOT BBB ACCREDITED

    9247 N Meridian Street #205

    Indianapolis, IN 46260

  • THIS LOCATION IS NOT BBB ACCREDITED

    389 E. Morgan Street, #4

    Martinsville, IN 46151

  • THIS LOCATION IS NOT BBB ACCREDITED

    1550 Trent Blvd. #1502

    Lexington, KY 40515

  • THIS LOCATION IS NOT BBB ACCREDITED

    1795 Alysheba Way Suite 1203

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    2220 Executive Dr Ste 204

    Lexington, KY 40505

  • THIS LOCATION IS NOT BBB ACCREDITED

    1795 Alysheba Way Ste 1104

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 54468

    Lexington, KY 40555

  • THIS LOCATION IS NOT BBB ACCREDITED

    112 Lynn Drive

    Berea, KY 40403

  • THIS LOCATION IS NOT BBB ACCREDITED

    131 Prosperous Place

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    160 Prosperous Place #300

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Darby Creek Road #2

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Darby Creek Road #37

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 54256

    Lexington, KY 40555

  • THIS LOCATION IS NOT BBB ACCREDITED

    2480 Fortune Dr Ste 100

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    55 Carroll Lane

    Dawson Springs, KY 42408

  • THIS LOCATION IS NOT BBB ACCREDITED

    7400 New LaGrange Rd

    Louisville, KY 40222

  • 306 Forest Park Road

    Louisville, KY 40223

  • THIS LOCATION IS NOT BBB ACCREDITED

    703 Wilford St.

    Mayfield, KY 42066

  • THIS LOCATION IS NOT BBB ACCREDITED

    3220 Bement Street

    Paducah, KY 42003

  • THIS LOCATION IS NOT BBB ACCREDITED

    1855 Wells Rd

    Orange Park, FL 32073

  • THIS LOCATION IS NOT BBB ACCREDITED

    3312 N. Oak Street Ext # C

    Valdosta , GA 31605

  • THIS LOCATION IS NOT BBB ACCREDITED

    359 Commercial Dr Ste B

    Savannah, GA 31406

  • THIS LOCATION IS NOT BBB ACCREDITED

    3312 N. Oak Street Ext # C

    Valdosta , GA 31605

  • THIS LOCATION IS NOT BBB ACCREDITED

    1170 Higley St.

    Toledo, OH 43612

  • THIS LOCATION IS NOT BBB ACCREDITED

    4500 N. Detroit Ave., #200

    Toledo, OH 43612

  • THIS LOCATION IS NOT BBB ACCREDITED

    6845 Ramblehurst Rd.

    Sylvania, OH 43560

  • THIS LOCATION IS NOT BBB ACCREDITED

    5301 Southwyck Blvd., #103

    Toledo, OH 43614

  • THIS LOCATION IS NOT BBB ACCREDITED

    5301 Southwyck Blvd., #206

    Toledo, OH 43614

  • THIS LOCATION IS NOT BBB ACCREDITED

    2382 Plymouth East Rd.

    Greenwich, OH 44837

  • THIS LOCATION IS NOT BBB ACCREDITED

    117 West St.

    Jonesville, MI 49250

  • THIS LOCATION IS NOT BBB ACCREDITED

    134 W.S. Boundary

    Perrysburg, OH 43551

  • THIS LOCATION IS NOT BBB ACCREDITED

    164 E. South Boundary

    Perrysburg, OH 43551

  • THIS LOCATION IS NOT BBB ACCREDITED

    3772 Starr Center Drive

    Canfield, OH 44406

  • THIS LOCATION IS NOT BBB ACCREDITED

    1278 Hendersonville Rd

    Asheville, NC 28803

  • THIS LOCATION IS NOT BBB ACCREDITED

    1278 Hendersonville Rd

    Asheville, NC 28803

  • THIS LOCATION IS NOT BBB ACCREDITED

    Post Office Box 19009

    Asheville, NC 28815

  • THIS LOCATION IS NOT BBB ACCREDITED

    Post Office Box 19009

    Asheville, NC 28815

  • THIS LOCATION IS NOT BBB ACCREDITED

    26 Trotters Walk Ne

    Cartersville, GA 30121

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1282

    Foley, AL 36536

  • THIS LOCATION IS NOT BBB ACCREDITED

    9056 Merritt Lane

    Daphne, AL 36526

  • THIS LOCATION IS NOT BBB ACCREDITED

    244 Goodwin Crest Dr

    Birmingham, AL 35209

  • THIS LOCATION IS NOT BBB ACCREDITED

    2301 Moody Pkwy

    Moody, AL 35004

  • THIS LOCATION IS NOT BBB ACCREDITED

    7512 E Independence Blvd # 103

    Charlotte, NC 28227

  • THIS LOCATION IS NOT BBB ACCREDITED

    5960 Fairview Rd Ste 400

    Charlotte, NC 28210

  • THIS LOCATION IS NOT BBB ACCREDITED

    230 Second St., Suite 207

    Henderson, KY 42420

  • THIS LOCATION IS NOT BBB ACCREDITED

    715 2nd Street, Suite 6

    Henderson, KY 42420

  • THIS LOCATION IS NOT BBB ACCREDITED

    1003 Emily Street

    Jasper, IN 47546

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    19630 N State Road 545

    St Meinrad, IN 47577

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    550 Hoffman Rd.

    Jasper, IN 47546

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    2425 Highway 41 N.

    Evansville, IN 47711

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    8601 N Kentucky Ave.

    Evansville, IN 47725

  • THIS LOCATION IS NOT BBB ACCREDITED

    8601 N Kentucky Ave. Suite F

    Evansville, IN 47725

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    10316 E Division Rd

    Velpen, IN 47590

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    131 N Cale St

    Poseyville, IN 47633

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    4002 Patton-Edwards Drive

    East Ridge, TN 37412

  • THIS LOCATION IS NOT BBB ACCREDITED

    1200 Mountain Creek Road, Suite 102

    Chattanooga, TN 37405

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    1200 Mountain Creek Road, Suite 160FORMER: primary, reportab

    Chattanooga, TN 37405

  • THIS LOCATION IS NOT BBB ACCREDITED

    803 W. Salisbury St.

    Asheboro, NC 27203

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Powell Way

    Archdale, NC 27263

  • THIS LOCATION IS NOT BBB ACCREDITED

    1501 Highwoods Blvd Ste 104

    Greensboro, NC 27410

  • 200 Randolph Ave Ste 201

    Huntsville, AL 35801

  • 2332 Pansy St SW

    Huntsville, AL 35801

  • PO Box 12573

    Huntsville, AL 35815

  • THIS LOCATION IS NOT BBB ACCREDITED

    421 N Court StSuite B

    Florence, AL 35630

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.o. Box 815

    Florence, AL 35631

  • THIS LOCATION IS NOT BBB ACCREDITED

    1700 W. Government Street, Bldg. ASuite N

    Brandon, MS 39042

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 872

    Tupelo, MS 38802

  • THIS LOCATION IS NOT BBB ACCREDITED

    208 Sunset Drive, Suite 104

    Johnson City, TN 37604

  • THIS LOCATION IS NOT BBB ACCREDITED

    6906 Kingston Pike, Suite 103

    Knoxville, TN 37919

  • THIS LOCATION IS NOT BBB ACCREDITED

    900 E. Hill Avenue, Suite 165

    Knoxville, TN 37902

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    611 S Maple St

    Covington, TN 38019

  • THIS LOCATION IS NOT BBB ACCREDITED

    108 Dover Rd Ste A

    West Memphis, AR 72301

  • THIS LOCATION IS NOT BBB ACCREDITED

    4273 Cherry Center Dr Suite #10

    Memphis, TN 38118

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1282

    Foley, AL 36536

  • THIS LOCATION IS NOT BBB ACCREDITED

    9056 Merritt Lane

    Daphne, AL 36526

  • THIS LOCATION IS NOT BBB ACCREDITED

    4011 Franklin Road

    Nashville, TN 37204

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 Wilson Pike CircleSuite 122

    Brentwood, TN 37027

  • THIS LOCATION IS NOT BBB ACCREDITED

    210 Old Hickory Blvd#19

    Nashville, TN 37221

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    1203 Habersham Way

    Franklin, TN 37067

  • THIS LOCATION IS NOT BBB ACCREDITED

    1604 Westgate CircleSuite 400

    Brentwood, TN 37027

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    214 Overlook Circle

    Brentwood, TN 37027

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    2500 Almeda AvenueSuite 111

    Norfolk, VA 23513

  • THIS LOCATION IS NOT BBB ACCREDITED

    293 Independence Blvd Ste 218

    Virginia Beach, VA 23462

  • P O Box 14388

    Norfolk, VA 23518

  • THIS LOCATION IS NOT BBB ACCREDITED

    4608 Westgrove Ct

    Virginia Beach, VA 23455

  • THIS LOCATION IS NOT BBB ACCREDITED

    1091 Nc Highway 222 E

    Fremont, NC 27830

  • THIS LOCATION IS NOT BBB ACCREDITED

    11 Sagamore Pl

    Hillsborough, NC 27278

  • THIS LOCATION IS NOT BBB ACCREDITED

    112 Williams Rd

    Jacksonville, NC 28540

  • THIS LOCATION IS NOT BBB ACCREDITED

    222 E Market St

    Smithfield, NC 27577

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    3403 Teal Dr SW

    Wilson, NC 27893

  • THIS LOCATION IS NOT BBB ACCREDITED

    3919 Wentworth Dr

    Durham, NC 27707

  • THIS LOCATION IS NOT BBB ACCREDITED

    901 Town Centre Blvd STE 143

    Clayton, NC 27520

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    126 E Water St

    Plymouth, NC 27962

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    4024 plank rd

    fredericksburg, VA 22401

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    PO Box 3070

    Richmond, VA 23228

  • THIS LOCATION IS NOT BBB ACCREDITED

    7113 Cherokee Rd

    Richmond, VA 23225

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    1209 Cedarcrest Drive

    Bedford, VA 24523

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    P. O. Box 501

    Bedford, VA 24523

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    3807 Brandon Ave., Ste. 115

    Roanoke, VA 24015

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    1390 Southside Dr.

    Salem, VA 24153

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    1209 Cedar Crest Dr

    Bedford, VA 24523

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    6365 Taft Street,Suite 3005A

    Hollywood, FL 33024

  • THIS LOCATION IS NOT BBB ACCREDITED

    6100 Arden Drive

    Clemmons, NC 27012

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 988

    Clemmons, NC 27012

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    PO Box 359

    Trilby, FL 33593

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    1882 Porter Lake Dr

    Sarasota, FL 34240

  • THIS LOCATION IS NOT BBB ACCREDITED

    1111 Burlington Ave # 105

    Lisle, IL 60532

  • THIS LOCATION IS NOT BBB ACCREDITED

    1111 Burlington Ave.Ste 105

    Lisle, IL 60532

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    20200 S. Governors Hwy.

    Olympia Fields, IL 60461

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    1444 N.Farnsworth

    Aurora, IL 60505

  • THIS LOCATION IS NOT BBB ACCREDITED

    10600 W Higgins Rd Ste 513

    Rosemont, IL 60018

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    4415 Harrison St # 503

    Hillside, IL 60162

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    6060 W. 95th St.

    Oak Lawn, IL 60453

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    19900 Governors Dr # 100

    Olympia Fields, IL 60461

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    Po Box 322

    Olympia Fields, IL 60461

  • 156 Frank St

    Lexington, SC 29073

  • 2801 Devine St

    Columbia, SC 29205

  • PO Box 427

    Columbia, SC 29202

  • THIS LOCATION IS NOT BBB ACCREDITED

    985 Lincoln Rd # 324

    Bettendorf, IA 52722

  • THIS LOCATION IS NOT BBB ACCREDITED

    985 Lincoln Rd Ste 320

    Bettendorf, IA 52722

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 Mountain Vista Road

    Taylors, SC 29687

  • THIS LOCATION IS NOT BBB ACCREDITED

    3100 Broadway St Ste 223

    Kansas City, MO 64111

  • THIS LOCATION IS NOT BBB ACCREDITED

    6209 S 24th Street

    Saint Joseph, MO 64504

  • THIS LOCATION IS NOT BBB ACCREDITED

    600 University Office Blvd

    Pensacola, FL 32504

  • THIS LOCATION IS NOT BBB ACCREDITED

    6400 N Davis Hwy Ste 2

    Pensacola, FL 32504

  • THIS LOCATION IS NOT BBB ACCREDITED

    6400 N Davis Hwy Ste 2

    Pensacola, FL 32504

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    PO Box 1054

    Myrtle Beach, SC 29578

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    2144 Fargo Dr Fayetteville, NC

    Fayetteville, NC 28306

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    PO Box 40523

    Fayetteville, NC 28309

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    PO Box 101

    Georgetown, SC 29442

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    2599 Argyle Way

    Little River, SC 29566

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    467 Big Popular Ct NE

    Leland, NC 28451

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    1425 Teague Rd Apt 308

    Myrtle Beach, SC 29577

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    671 Jamestown Dr

    Murrells Inlet, SC 29576

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    2433 N MAYFAIR RD

    Milwaukee, WI 53226

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    15400 W Capital Dr

    Brookfield, WI 53005

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    2433 N MAYFAIR RD

    Milwaukee, WI 53226

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    2935 N Ballard Rd

    Appleton, WI 54911

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    45 N Third St

    Platteville, WI 53818

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    45 N Third St

    Platteville, WI 53818

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    15400 W Capital Dr

    Brookfield, WI 53005

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    2500 West County Road #180

    Burnsville, MN 55337

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    900 S Rum River DrSte 101

    Princeton, MN 55371

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    4721 11th Ave S

    Minneapolis, MN 55407

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    116 Main St S

    Hutchinson, MN 55350

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    2774 Commerce Dr NW # A

    Rochester, MN 55901

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    2778 Commerce Dr NW Ste C

    Rochester, MN 55901

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    1619 Penn Ave N

    Minneapolis, MN 55411

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    2360 Vale Crest Rd

    Minneapolis, MN 55422

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    7575 Golden Valley Rd Ste 270

    Minneapolis, MN 55427

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    9820 Drew Ave S Apt 309

    Minneapolis, MN 55431

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    12997 County Road 3

    Kensington, MN 56343

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    208 1st Ave S

    Jamestown, ND 58401

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    1929 E Capitol Ave

    Bismarck, ND 58501

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    2411 Madison Square Dr S

    Fargo, ND 58104

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    4651 289th Ave NW

    Isanti, MN 55040

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    901 W Highway 10 Ste 102

    Anoka, MN 55303

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    405 N Pine St

    Grand Island, NE 68801

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    509 N Eddy St

    Grand Island, NE 68801

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    PO Box 189

    Grand Island, NE 68802

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    100 N 34th St

    Norfolk, NE 68701

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    100 N 34th St # F

    Norfolk, NE 68701

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    1600 4th St NE

    Watertown, SD 57201

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    510 Jenson Ave SE

    Watertown, SD 57201

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    809 N 96th St Ste 100

    Omaha, NE 68114

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    307 Walnut St Ste D

    Yankton, SD 57078

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    1112 E James St

    Derby, KS 67037

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    1112 James St

    Derby, KS 67037

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    PO Box 825

    Derby, KS 67037

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    111 W. 12th St

    Goodland, KS 67735

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    P.O. Box 328

    Goodland, KS 67735

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    245 S 84th St Ste 218

    Lincoln, NE 68510

  • 233 N Lincoln Ave

    Hastings, NE 68901

  • 9500 W Dodge Rd # 300

    Omaha, NE 68114

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    5032 S Bur Oak Pl Ste 111

    Sioux Falls, SD 57108

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    608 N West Ave(moved)

    Sioux Falls, SD 57104

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    1001 S 70th St Ste 103

    Lincoln, NE 68510

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    5600 S 59th St Ste 202

    Lincoln, NE 68516

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    770 N Cotner Blvd Ste 305

    Lincoln, NE 68505

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    6901 W Sertoma Cir

    Sioux Falls, SD 57106

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    278 N 115th St

    Omaha, NE 68154

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    2 N Spruce St

    Ogallala, NE 69153

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    PO Box 448

    Ogallala, NE 69153

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    7423 Whitestone Dr

    Lincoln, NE 68506

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    426 W Broadway # 306

    Council Bluffs, IA 51503

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    500 Willow Ave Ste 502

    Council Bluffs, IA 51503

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    3738 S 149th St Ste 115

    Omaha, NE 68144

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    1221 E Pierce St Ste 100

    Council Bluffs, IA 51503

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    PO Box 63

    Chadron, NE 69337

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    4402 W. Capri

    Peoria, IL 61614

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    4541 N. Prospect Rd.#102

    Peoria Heights, IL 61616

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    3930 S Nova Road Ste 301

    Port Orange, FL 32127

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    4770 Ridgewood Ave Ste 4

    Port Orange, FL 32127

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    6355 Metrowest Bv Ste 455

    Orlando, FL 32835

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    6649 Westwood Blvd Ste 210

    Orlando, FL 32821

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    1026 Northeast Dr Ste D

    Jefferson City, MO 65109

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    3236 Emerald Ln

    Jefferson City, MO 65109

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    119 W Locust St

    Union, MO 63084

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    1600 Heritage Lndg # 115

    Saint Charles, MO 63303

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    1600 Heritage Lndg Ste 115

    Saint Peters, MO 63303

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    2412 Hyde Park Rd Ste B

    Jefferson City, MO 65109

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    13100 Manchester Rd

    Saint Louis, MO 63131

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    210 Prodo Dr

    Jefferson City, MO 65109

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    4505 N Illinois

    Belleville, IL 62226

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    1026 Northeast Dr

    Jefferson City, MO 65109

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    210 Prodo Dr

    Jefferson City, MO 65109

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    398 Dix Rd Ste 201previous address

    Jefferson City, MO 65109

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    289 Bethel Rd

    O Fallon, IL 62269

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    1903 Princeton Ave

    Marion, IL 62959

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    705 Houser Street

    Park Hills, MO 63601

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    4531 Maine St # H

    Quincy, IL 62305

  • 125 Plantation Centre Dr S Ste 900 B

    Macon, GA 31210

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    108 Olympia Dr Ste 205

    Warner Robins, GA 31093

  • 145 Roycrest Dr

    Macon, GA 31204

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    3150 Perimeter Pkwy Ste 115

    Augusta, GA 30909

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    3150 Perimeter Pkwy Suite 115

    Augusta, GA 30909

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    901 Washington Ave.

    Macon, GA 31201

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    2273 Sheraton DrSuite 175

    Macon, GA 31204

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    P.o. Box 5325

    Macon, GA 31208

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    12 E Church St

    Aurora, MO 65605

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    153 E State Highway CC Suite J

    Nixa, MO 65714

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    1701 W Sunshine St Ste A

    Springfield, MO 65807

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    1715 S Kansas AveFORMER: primary, reportab

    Springfield, MO 65807

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    3333 S National Ave Ste 304

    Springfield, MO 65807

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    111 W. 12th St

    Goodland, KS 67735

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    P.O. Box 328

    Goodland, KS 67735

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    5705 Linger Way

    Colorado Springs, CO 80919

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    655 Southpointe Ct #200

    Colorado Springs, CO 80906

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    5705 Linger Way

    Colorado Springs, CO 80919

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    5555 Erindale Dr #103

    Colorado Springs, CO 80918

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    7150 Campus Dr #114

    Colorado Springs, CO 80920

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    7150 Campus Dr #114

    Colorado Springs, CO 80920

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    7150 Campus Dr #114

    Colorado Springs, CO 80920

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    1234 North 4th St

    Abilene, TX 79601

  • THIS LOCATION IS NOT BBB ACCREDITED

    1307 S 1st

    Abilene, TX 79602

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    4201 Don Juan

    Abilene, TX 79605

  • THIS LOCATION IS NOT BBB ACCREDITED

    One Village Dr., Ste. 101

    Abilene, TX 79606

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    PO Box 2533

    Abilene, TX 79604

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    PO Box 2794

    Abilene, TX 79604

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    PO Box 3877

    Abilene, TX 79604

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    PO Box 551

    Silverthorne, CO 80498

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 551

    Silverthorne, CO 80498

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    175 W 20th StFORMER: primary, reportab

    Craig, CO 81625

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    435 Mack Ln # 205

    Craig, CO 81625

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    435 Mack Ln # 205

    Craig, CO 81625

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    PO Box 1178

    Craig, CO 81626

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    PO Box 1178

    Craig, CO 81626

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    Po Box 82

    Silverthorne, CO 80498

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    Po Box 82

    Silverthorne, CO 80498

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    2105 Clubhouse Dr # E

    Greeley, CO 80634

  • THIS LOCATION IS NOT BBB ACCREDITED

    2105 Clubhouse Dr # E

    Greeley, CO 80634

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    500 S Main St Ste 965

    Las Cruces, NM 88001

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 S Main St Ste 965

    Las Cruces, NM 88001

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    207 Alcove Dr

    Grand Junction, CO 81503

  • THIS LOCATION IS NOT BBB ACCREDITED

    207 Alcove Dr

    Grand Junction, CO 81503

  • THIS LOCATION IS NOT BBB ACCREDITED

    4200 Ridgecrest Cir A-4

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    2201 Civic Cir Ste 905

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    904 South Monroe

    Amarillo, TX 79101

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    4000 S GeorgiaSuite B2

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    2600 Paramount Blvd Ste H3

    Amarillo, TX 79109

  • ----

    Austin, TX 78757

  • THIS LOCATION IS NOT BBB ACCREDITED

    4639 Corona Dr Ste 55

    Corpus Christi, TX 78411

  • THIS LOCATION IS NOT BBB ACCREDITED

    4646 Corona Dr

    Corpus Christi, TX 78411

  • THIS LOCATION IS NOT BBB ACCREDITED

    110 W Louisiana Ave, Ste 320

    Midland, TX 79701

  • THIS LOCATION IS NOT BBB ACCREDITED

    110 W Louisiana Ave, Ste 320

    Midland, TX 79701

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    200 W Hwy 6

    Woodway, TX 76712

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 W Hwy 6

    Woodway, TX 76712

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    Rt 2 Box 256a

    Waco, TX 76706

  • THIS LOCATION IS NOT BBB ACCREDITED

    Rt 2 Box 256a

    Waco, TX 76706

  • THIS LOCATION IS NOT BBB ACCREDITED

    6600 Sanger # 1A

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6600 Sanger # 1A

    Waco, TX 76710

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    6603 Sanger Ave.

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6603 Sanger Ave.

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    11533 Lafitte Ln

    Austin, TX 78739

  • THIS LOCATION IS NOT BBB ACCREDITED

    11533 Lafitte Ln

    Austin, TX 78739

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    4704 Circle Oak Cove

    Austin, TX 78749

  • 4704 Circle Oak Cove

    Austin, TX 78749

  • THIS LOCATION IS NOT BBB ACCREDITED

    595 Orleans St Ste 860

    Beaumont, TX 77701

  • THIS LOCATION IS NOT BBB ACCREDITED

    6225 Chisholm Trl

    Beaumont, TX 77708

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    122 Country Lane Dr

    Lumberton, TX 77657

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    1819 N 32nd St

    Nederland, TX 77627

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    85 Ih 10 N Ste 108

    Beaumont, TX 77707

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    595 Orleans St Ste 1005

    Beaumont, TX 77701

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    1223 Nederland Ave

    Nederland, TX 77627

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    296 E. Circuit

    Beaumont, TX 77706

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    122 Country Ln.

    Lumberton, TX 77657

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    PO Box 8105

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 E Shepherd Ave

    Lufkin, TX 75901

  • THIS LOCATION IS NOT BBB ACCREDITED

    1321 S John Redditt Dr (undeliverable)

    Lufkin, TX 75904

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    1416 Gables Court

    Plano, TX 75075

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    12081 W Alameda Pkwy # 415

    Lakewood, CO 80228

  • THIS LOCATION IS NOT BBB ACCREDITED

    1745 Cuprite Ct

    Castle Rock, CO 80108

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    5275 W 64th Ave

    Arvada, CO 80003

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    701 S Logan St Ste 203

    Denver, CO 80209

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    7200 S Alton Way Ste A200

    Centennial, CO 80112

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    7200 S. Alton Way

    Centennial, CO 80112

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    8121 S York Ct

    Centennial, CO 80122

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    PO Box 19321

    Boulder, CO 80308

  • THIS LOCATION IS NOT BBB ACCREDITED

    5959 Gateway W. Ste. 303

    El Paso, TX 79925

  • 5959 Gateway Blvd. W Ste. 655

    El Paso, TX 79925

  • 5959 Gateway Blvd W Ste. 620

    El Paso, TX 79925

  • 5959 Gateway West, Suite 335

    El Paso, TX 79925

  • THIS LOCATION IS NOT BBB ACCREDITED

    6707 Brentwood Stair Rd Ste 228

    Fort Worth, TX 76112

  • THIS LOCATION IS NOT BBB ACCREDITED

    5388 W. 34TH STE. 162

    Houston , TX 77092

  • THIS LOCATION IS NOT BBB ACCREDITED

    12218 Meadow Lane Court

    Stafford , TX 77477

  • THIS LOCATION IS NOT BBB ACCREDITED

    710 W. Prien lake Road

    Lake Charles, LA 70601

  • THIS LOCATION IS NOT BBB ACCREDITED

    1912 Southwood

    Lake Charles, LA 70605

  • THIS LOCATION IS NOT BBB ACCREDITED

    Lake Charles, LA 70601

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    2704 W Beech St

    Rogers, AR 72756

  • THIS LOCATION IS NOT BBB ACCREDITED

    8212 Ithaca Ave Ste E6B

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2503 74th St. Ste. 105

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2526 82nd St Ste H

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2526 82nd St Ste C

    Lubbock, TX 79423

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    7606 University Ave Ste F

    Lubbock, TX 79423

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    10 Briercroft Office Park

    Lubbock, TX 79412

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    423 Palo Verde Dr.

    Yukon, OK 73099

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    215 E. Osage

    Garber, OK 73738

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 162

    Garber, OK 73738

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Arkansas Blvd # 204

    Texarkana, AR 71854

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    9814 East 99th Place

    Tulsa, OK 74103

  • THIS LOCATION IS NOT BBB ACCREDITED

    1455 N. Cole Rd.

    Boise, ID 83704

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    1246 Yellowstone Ave

    Pocatello, ID 83201

  • THIS LOCATION IS NOT BBB ACCREDITED

    545 9th Street

    Idaho Falls, ID 83404

  • THIS LOCATION IS NOT BBB ACCREDITED

    404 E 300 S

    Burley, ID 83318

  • THIS LOCATION IS NOT BBB ACCREDITED

    403 Duncan St

    Wichita Falls, TX 76301

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    6003 Laci Ln

    Wichita Falls, TX 76310

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    PO Box 9452

    Wichita Falls, TX 76308

  • 710 Lamar St Ste 440

    Wichita Falls, TX 76301

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    1255 E. Nees

    Fresno, CA 93720

  • THIS LOCATION IS NOT BBB ACCREDITED

    5405 Stockdale Hwy # 209

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    808 W. Main St., Suite D

    Visalia, CA 93291

  • THIS LOCATION IS NOT BBB ACCREDITED

    Unpublished

    Visalia, CA 93291

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    2670 W Shaw Ln Ste 102

    Fresno, CA 93711

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    295 W Cromwell Ave Ste 107

    Fresno, CA 93711

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    2140 N Terrace Ct

    Visalia, CA 93291

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    107 S. Church St.

    Visalia, CA 93291

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    4130 Ardmore Ave

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    5500 Ming Avenue Suite #250

    Bakersfield, CA 93309

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    4400 Woodcrest Ct

    Bakersfield, CA 93301

  • THIS LOCATION IS NOT BBB ACCREDITED

    4400 Woodcrest Ct

    Bakersfield, CA 93301

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    7305 Olympia Dr

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    4974 E. Clinton Way

    Fresno, CA 93727

  • THIS LOCATION IS NOT BBB ACCREDITED

    247 E Portland Ave

    Fresno, CA 93720

  • THIS LOCATION IS NOT BBB ACCREDITED

    1712 19th St Ste 109

    Bakersfield, CA 93301

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    11004 Accolade Ct

    Bakersfield, CA 93312

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    807 Foxcove St.

    Tyler, TX 75703

  • THIS LOCATION IS NOT BBB ACCREDITED

    617 Chase Dr

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1021 Ese 323 Loop Ste 350

    Tyler, TX 75701

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    803 Cedar Creek Dr

    Tyler, TX 75703

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    911 W Loop 281 Ste 210

    Longview, TX 75604

  • THIS LOCATION IS NOT BBB ACCREDITED

    712 S Chilton Ave

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1620 N Kings Hwy

    Nash, TX 75569

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    1021 E Northeast Loop 323

    Tyler, TX 75708

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    3304 S Broadway Ave

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1100 Alakea St # 1

    Honolulu, HI 96813

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    74 Lono Ave # 206c

    Kahului, HI 96732

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    1771 E Flamingo Rd Ste 212A

    Las Vegas, NV 89119

  • THIS LOCATION IS NOT BBB ACCREDITED

    1850 E Flamingo Rd Ste 139

    Las Vegas, NV 89119

  • THIS LOCATION IS NOT BBB ACCREDITED

    1919 S. Jones Blvd. Ste. D

    Las Vegas, NV 89146

  • THIS LOCATION IS NOT BBB ACCREDITED

    6440 Sky Pointe Dr Ste 140 Pmb 221

    Las Vegas, NV 89131

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    6871 W Charleston Blvd

    Las Vegas, NV 89117

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    2990 Sunridge Heights Pkwy. #140

    Henderson, NV 89052

  • THIS LOCATION IS NOT BBB ACCREDITED

    42795 Deauville Park Ct

    Fremont, CA 94538

  • THIS LOCATION IS NOT BBB ACCREDITED

    440 Regents Park Dr

    Vallejo, CA 94591

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    818 Mendocino Ave

    Santa Rosa, CA 95401

  • THIS LOCATION IS NOT BBB ACCREDITED

    8765 W Kelton Lake, Bldg B1 Ste 210

    Peoria, AZ 85382

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    1755 E Plumb Ln STE 169

    Reno, NV 89502

  • THIS LOCATION IS NOT BBB ACCREDITED

    1198 Melody Lane Ste.111

    Roseville, CA 95678

  • THIS LOCATION IS NOT BBB ACCREDITED

    1307 Frankland

    Yuba City, CA 95991

  • THIS LOCATION IS NOT BBB ACCREDITED

    1307 Frankland

    Yuba City, CA 95991

  • THIS LOCATION IS NOT BBB ACCREDITED

    1555 River Park Dr. #206

    Sacramento, CA 95815

  • THIS LOCATION IS NOT BBB ACCREDITED

    1555 River Park Dr. #206

    Sacramento, CA 95815

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    193 Blue Ravine Rd Ste 140

    Folsom, CA 95630

  • THIS LOCATION IS NOT BBB ACCREDITED

    193 Blue Ravine Rd Ste 140

    Folsom, CA 95630

  • THIS LOCATION IS NOT BBB ACCREDITED

    2861 Churn Creek Rd Ste B

    Redding, CA 96002

  • THIS LOCATION IS NOT BBB ACCREDITED

    3039 Kilgore Rd. #140

    Rancho Cordova, CA 95670

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Complaint Detail(s)

9/19/2014 Guarantee/Warranty Issues
9/19/2014 Problems with Product/Service
9/19/2014 Problems with Product/Service
9/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hello,Cancelled AFLAC insurance in writing with confirmation from local agent in May 2014. However as of August 2014 still getting charged for insurance after multiple follow-up correspondence through agent and AFLAC website and no way for a consumer to remove automatic payment information online.

Desired Settlement: I would like to be refunded the fees charged after May 31, 2014.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: - Cancellation policy was unexplained at the time of signing of the contract.- Specifically, it was unexplained that written authorization is required from the employer for cancellation. This policy is not stated on the on-line account, nor it is stated in the insurance document. - It is also not stated in any of the above location that cancellation is only possible during an open enrollment period.- Starting and ending dates of the open enrollment period is not available on-line, nor in the insurance document. - Cancellation is made difficult: cannot be done online. No cancellation forms downloadable online. Have to call agent for cancellation form.- Cancellation request is not handled in a timely manner. - Reply was mailed 14 days after faxing the cancellation form.- Cancellation was not processed, and additional dues were collected after the effective date of cancellation.

Desired Settlement: Refund is requested for the premium collected after the effective date of cancellation, August 1, 2014.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: After having Aflac since apprx. 2001 ,In 2011 I needed surgery for a fall at work that tore up my shoulder.The claim was denied,my agent in 2013 told me to re=file , stating it should have been paid out. when denied again , she tried to cohearse me into lying to aflac to get paid. I refused and went to my state of Oregon Insurance commission. They investigated , and I was told...sorry, they now state that you do not have the full policy for on or off the job...ONLY off the job.What I was told in 2001 , and every year after by aflac reps. was that on or off job were no different. (Average amount of co workers present at the agents sales pich when they make this statement is around 25 people). I have in my possession the Aflac report to the state insurance commission in which words were put into my mouth by the agant who wanted me to Lie.

Desired Settlement: AFLAC STILL owes me aprx. 9600.00 dollars in wage replacement. They have paid out a total of 25.00 to me for one physical therapy visit. I feel like this has all fallen on deaf ears. How hard is it for a company to act in good faith , and just maybe say, we are sorry mr. ****** there has been a mistake,and we would like to correct it for you.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: July 21, 2014 I had a colonoscopy at the LOUISIANA ENDOSCOPY CENTER ON Jefferson Hwy in Baton Rouge, La. DR. George McCelland from the Baton Rouge clinic on Perkins Rd. did the procedure. I paid a 100.00 co-pay AFLA is refusing to reimberge me for the co-pay. I have a hospital indemity policy which has always reimbursed me in the past. Policy# ********

Desired Settlement: AFLAC should send me a check for $100.00

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, the appropriate department will review and address directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/26/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am currently subscribed to Aflac for short term disability coverage. I had surgery on a knee injury on June 6, 2014. This injury was a new injury to my knee due to a fall in front of my home. Aflac has made every effort to avoid paying me the wages that I missed while off work due to my recovery. Instead of contacting the doctor who did my surgery and finding out why I needed the surgery, they have consistently been contacting the doctor who was treating my knee for the previous two years. I have a torn meniscus in my knee for a couple years but steroid shots have kept me from having to have surgery and I could live with the injury just fine. WHen i fell this past winter I tore the kneecap and that is why the surgery was needed. I could no longer walk and had no other choice due to this NEW injury. Aflac keeps trying to get out of paying by saying the injury to the knee is old. Yes it's old, but the reason for the surgery was because of a fall and A NEW TEAR. If they would contact the correct doctor they would know that. I don't think they should take adavantage of people this way. Everything I have read about them on the internet says the same thing. They don't want to pay out and I will not accept that. Every time I call they say they have not gotten the paper work and for the past 4 times they tell me that. This last call on August 11th the representative said she did not get the form and then all of a sudden she found it. Stop playing around and do what you are paid to do Aflac. I am not out to be a thief I just want what is due to me. I am honest and expect the same thing from Aflac. I will not be renewing this service when my benefits come up in November and will find insurance elsewhere. Believe me, I did not want to get surgery but in order to live and walk I had too.

Desired Settlement: I want paid for my disability benefits I signed up for and want Alface to quit playing around and get the correct information from the correct doctor. They are being very unprofessional and I feel like they are taking advantage of people and not doing what they are paid to do. I want my money and I am honest and above board. I have all the fax confirmations and paperwork documented on my end.

Business Response:

Good afternoon,

We are in receipt of the BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed directly to the policyholder.

Thanks,
** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I want this to be completed the proper way with the correct doctors notes on the injury who is Dr. **** ******** and not Dr. ****** ******.  They are totally incompetent in their business tactics and taking advantage of people and although some may let them get away with this, I will not.  I am not defrauding anyone and for them to make me feel that way is unprofessional.  Do what you are paid to do and not give people the runaround so you don't have to pay out.  People have a hard enough time surviving being out of work with illness and not getting paid. Aflac is paid each month and I expect the same courtesy with my claim. As a matter of fact if you try to look up my claim, nothing is in their system even though I have copies of all forms and fax confirmations sent to Aflac.   How weird is that???????

 

Regards, 

******* ******

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/25/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Aflac came to job after reviewing contract signed us up. Said we could use policy after 1st payment. Come to find out have to be in a yr before use An Aflac rep came to our office on two (2) separate occasions. The first (1st) was the offer and breakdown of different policies. The second (2nd) time she came out was to sign up employees. Myself and one (1) other employee signed up in June 2014. She ( ******* ****** ) again went over the policies that we wanted. The only time she said anything about a year waiting period was for the Dental policy, which neither one (1) of us got. She stated several times that we would be able to use our policies for reimbursement after first (1st) payment on (July 1, 2014) I signed up for the Accident and Specific event policies. Here are the policy # (Accident ********) (Specific Event ********). We would pay for these policies thru deductions from our paychecks in the amounts of 52.78 month and 59.78 month and both were to be pre-taxed. In the first month of August 2014, Family went to doctors for physicals for school and spouse went also. Because I have the whole family covered with Aflac plan I followed there procedures and filed my claims (August 11, 2014) A week later I received three (3) letters in the mail from Aflac stating that I was not eligible for benefit reimbursement because I have to had policy for 1 year. ******* ****** did not I repeat DID NOT state this or explain this. Why would I pay for something that I can't use for a year. I called Aflac and asked them to cancel my policy, and they said that since it was pre-taxed that I could not cancel it. They also stated that like normal insurance I could not make any changes until enrollment time (May 2015). They stated that I would have to have my job (***** ****) call or write for me to be able to cancel it. I informed my supervisor who called HR. They explained to him as he explained to me, that I was stuck. In other words I had to keep paying for something that I wanted to cancel. And all this was because it is pre-taxed and per my super visor and HR "it would open up some IRS red tape". I asked them to stop deducting Aflac payment from my checks and they said they could not. This sale rep ******* ****** misrepresented Aflac by not giving all information out, because 10 our of 10 I would not have purchased this insurance. Thank you ***** *******

Desired Settlement: All money's applied to this program/policy. I was paying for something I could not use.

Business Response:

Good afternoon,

We are in receipt of these concerns addressed to the BBB.  Due to privacy regulations, we will have the appropriate department review and address directly to the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** *******

Update:

I will hear what they have to say, but I will not consider the complaint resolved if I am not released from the contract and refunded for the time I was in said contract because services were never used.

BBB's Final Determination: Consumer accepted resolution offered by the business.

8/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: The intent was to change my coverage with AFLAC from Family coverage to my individual coverage due to divorce. My ex-husband gave AFLAC my new address and I received a packet from AFLAC at that address of my conversion options. I followed their instructions, completed their forms, and sent in a check for the premium to cover the new policies, spending almost $40 to overnight them this information since I was in the middle of Arizona (I received the paperwork on a Maonday. I left to got Arizona early the next morning, and AFLAC's letters said that I only had until THAT Saturday to return the paperwork with the check with the premium).The following is the policy information I have to date:HOSPITAL INT CARE - Old Policy # ******** New Policy # ******** $*****ACCIDENT - Old Policy # ******** New Policy # ? $*****CANCER - Old Policy # ******** New Policy # ? ******I received a letter from AFLAC dated 7/16/14 that the hospital int care policy was short-paid by $21.60. NOT ACCORDING TO THE PAPERWORK AFLACK SENT ME!!!I called AFLAC (800)992-3522 REF# ******* and told them that I sent a check for $180.30 which was the total premium for the three individual policies. The person I s/w said that another policy was short-paid as well. I NEVER did get that letter to give you any specifics on it. It was supposed to be considered a "CRITICAL FILE" and take 3 business days for AFLAC to research and respond to me.I have not received a response AT ALL from AFLAC. I am now asking my local AFLAC agent to step in and help me. She is very kind but tells me that AFLAC is waiting on making a decision.The decision is clear. AFLAC needs to respect the premium amounts they mailed me to my address in my conversion packet.PLEASE HELP TO CORRECT THIS UNETHICAL BEHAVIOR.Respectfully********* ***** ************ ***** **. #****Fort Worth, TX ******************

Desired Settlement: AFLAC needs to issue my new policies at the rate that was in their conversion paperwork that they sent me (which I have pre-paid for a three month period).

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

Consumer Response: 8/24/14

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

 
AFLAC has decided to honor their original rates for me for the threee AFLAC policies.  However, AFLAC had declared that the effective date of the conversion policies would be 7/1/14, AFLAC is now stating that the effective date of the AFLAC policies should have been retroactive back to 5/9/14.  While I did receive letters from AFLAC regarding their decision to honor the original rates they have quoted me, I have not received the actual conversion policies with the corrected premium rates with the corrected effective dates.
 
However, I trust in good faith that since this issue went to a level of management in an attempt to discect this debacle, that I will have the originally quoted premium rates with the 5/9/14.

Regards,

******** ********

BBB's Final Determination: Consumer accepted resolution offered by the business.

8/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: As a group member of Bethpage School District, I originally purchased a Cancer Policy (Maximum Difference) in January of 2013. In February of this year I discovered that the initial policy issued to me did not have a wellness benefit which was always part of the coverage for teachers in prior years. My agent, ***** ********* didn't inform me of this and I didn't learn of this until my claims for wellness benefits were denied. I submitted, to my agent, an application to have the policy converted to include wellness benefit in February 2013. My agent never submitted it to the company and several months went by. I never received any confirmation so I called AFLAC NY only to be told they had no record of this application. I complained to AFLAC NY and asked to be represented by another agent. I was told I could receive another agent only after this original conversion was completed. I again contacted ***** ******** and again signed conversion papers on June 3, 2014. Approximately 72 hours later I confirmed the policy conversion was sent into AFLAC NY but an accompanying letter requesting a new agent was not submitted. I faxed in a copy of the letter to AFLAC NY on June 11th of this year. I was told to check on the status of the conversion in 2 weeks time. I did check 2 weeks later to be told the status was pending due to incomplete information from the agent. Again AFLAC NY told me I must go through the agent. I again complained. I contacted the regional office in charge of agents (**** ********) and I called the state commissioner of insurance agents (******* *****) with no positive outcome. I spoke with ******* ******, ****** ******** and ******* **** from those offices who will no longer return my phone calls. I have been told by those offices that I no longer qualify for group discount since I have retired from the district 6/27/2014. I have contacted AFLAC NY again and again and was told the conversion is still pending and none of my complaints have ever been answered.

Desired Settlement: I would like my policy to be converted and retain group member status in reference to billing.

Business Response:

Good morning,

We are in receipt this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 10170491, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am not confident that I will receive a reply.  I have been waiting since February of 2014 for a resolution to this issue.  Why can't this be resolved in a timely manner.  I would prefer to have the BBB to remain involved.

I have received one voice mail message from ******* *****.  I returned his phone call and have still not received a response back.


Regards,

***** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to further research and address.

Thanks,

** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

8/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I signed up for aflac coverage in 2012, received a cancellation letter last month, called & spoke with mindy, was told my coverage was canceled 3/1/2014, our company was removed 6/1/2014, yet payments were still being deducted from my paycheck, spoke with my payroll department and was informed that my money was sent to aflac for my premiums, I told mindy to keep my coverage canceled, I am looking for a refund of my money in the amount of $132.60. my payroll department told me that our sales rep ***** is looking into this but nothing is been taken care of. all i'm looking for is a refund for my money.thank you, ***** *******

Desired Settlement: I am requesting a refund check to be cut & sent out as soon as possible.thank you

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/18/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying to cancel my Aflac insurance coverage for over 1 month. I called Aflec and they wouldn,t cancel my policy over the phone. So they informed me they would send a letter/form to my address. After a week and 1/2 , I called Aflac and they said they had mailed it out already. Well, another 2 weeks went by and still no letter/form. I called and was a little upset and asked why they didn't send out the form yet and the lady said she would send it again and that they weren't responsible. I'm charged automatic every 2 weeks out of my paycheck about $31.00. I was actually happy to have the coverage but can't afford it anymore, but it seems to me they don't want you to cancel there coverage once your signed on. Please help me with this as going on 2 months now. Thank you, **** **** ******************* Aflac insurance coverage Account_Number: ****** **********

Desired Settlement: DesiredSettlementID: Refund At least get this coverage canceled. I have been getting charged for something I didn't want anymore and forced to pay.

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/11/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a life insurance policy on myself and my husband and I have repeatedly requested from aflac insurance a copy of my husbands policy which I do have proof I am paying for this policy. I did recieve a copy of my policy but they still refuse to send this his copy. This is automatically taken out of my paycheck at work or I would of already cancelled. This should be a quick fix aflac just needs to send a copy of his policy! Thank you.

Desired Settlement: Either a refund of the premims which total of $ 224 or a copy of ****** ******* life insurance policy.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

A. Lackey

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC has not paid benefits as spelled out in my policy:************ ********* BENEFIT: AFLAC will pay $255 (two hundred fifty-five dollars) per day for a insured person who receives experimental ****** treatments for the purpose of modification or destruction of abnormal tissue. The treatments must be consistent with one or more National ****** Institute sponsored protocols. This benefit does not pay for laboratory tests, diagnostic X-rays, immunoglobulins, immunotherapy, colony-stimulating factors, and therapeutic devices or other procedures related to these therapy treatments. No lifetime maximum***** ********** ** **********This benefit is not payable on the same day that the ********* and ************ Benefit is paid. I have been undergoing an ************ ********* for ****** since May 2013 (As of August 6, 2014, 15 28-day cycles of treatment. 7-days on, seven-days off, for a total of 210 days.)I have provided AFLAC with statements from my physician that "The medications in this study have been shown to have many effects on ****** cells including stabilizing the disease by stopping ****** cells from growing and dividing thus leading to ****** cell death."I have AFLAC with a description of the ************ ********* found on the internet at **********************************************. That site is ClinicalTrials.gov and is a service of the National ****** Institute (NCI). Those demonstrate that I have met the terms of the policy as regards receiving ************ *********.

Desired Settlement: I would like AFLAC to honor the terms of the policy and pay for the days that I have received Experimental Treatment.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/5/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been a customer with Aflac since 2006, I have never filed a claim until this year. I mailed a claim for my hospital stay form 4/23/14 to 5/04/14, the first time I mailed the wrong bill, it was from my insurance company and a copy of a bill I still owed the hospital, I was told those were unacceptable, they didn't accept other insurance form, I was told by a representative(with a tone of you should have known)to send a copy of the hospital bill, everything was itemized. My claim was denied because now they need a form with my Dr to show everything from the diagnosis to what he was paid, all that was on the bill from the hospital I sent them, at this point I am upset, I had open heart surgery, this is added stress that I don't need. I did receive two checks for doctor's visit for $15, another for $30 this isn't even the premium of $55 I pay every month. I called and cancel the policy, but I do want what's owed to me, can you help me?

Desired Settlement: I want my claim paid, since it going on before I cancel the service.

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to have addressed directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had two policies with Aflac through my job. Upon trying to minimize bills, I decided to cancel one of the two policies, which should have gone into effect on May 1st, 2014. I realized on May 30th that there was a problem, when $100.62 was taken from my paycheck (at my job we get paid once a month on the last day of the month). It seems ******* ******* and her associate ***** *******a lost the signed cancellation document I filled out. I contacted Robyn and after she searched, she found the form. Because of this, I decided to cancel the other policy I had. With the first cancelled policy though, since it came out of my paycheck in error, I was due a refund for the month of May 2014. Since then, I have received multiple packets in the mail from Aflac stating I am not due a refund. ******* keeps telling me "disregard the packets, the refund is coming". Now today, July 22nd, 2014, I finally received a check in the mail....someone else's check! A woman from Fayetteville, Arkansas is out $40 because I received her check.

Desired Settlement: I am due a refund because of an error in ******* *******'s Aflac office. I simply want the refund for May 2014 for the Hospital Policy that I cancelled, and ***** ******** lost.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My employer offered us accidental and critical illness insurance policies. They sent a representative, ***** *******, to the office to explain their products to us. I was under the impression that we would receive paperwork in the mail in a week or 2 after enrolling. A coworker asked if anyone recieved paperwork in the mail and we found out that nobody received paperwork. When I called to cancel the policy, the employees were not helpful to me at all. I spoke to a ******* and he was supposed to keep the premium from coming out of my paycheck. Of course, the premium came out. When I called back I was told ******* doesn't work there and nobody seemed to have any idea what I was talking about. I was told that "somebody" was going to be e-mailed about the problem and they would get back to me. Well, that still hasn't happened yet. This back and forth problem has been going on since June 2, 2014.

Desired Settlement: I want the promiums taken out of paycheck returned and I do not want further payments taken out in the future

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and address directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/1/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Aflac representative signed me up for insurance without my consent and knowledge...they been garnishing money out my check starting in march 2003 until 2012.i wrote to Aflac on several occasions trying to dissolve this matter asking them to send me some kind of proof that I signed up.they told me the signature on the applications were processed on a smart app computer.i never signed up for the insurance.also in order to sign up for insurance I would have had to be on my job for a certain amount of time and I wasn't.

Desired Settlement: Aflac been taking money out my check for years now and all I want is my money back..because I never signed up for that insurance and I don't think its right to garnish my money for something I never signed up for.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have these concerns addressed by the appropriate department directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I CANCELLED MY INSURANCE WITH AFLAC 6-1-14 I WAS TOLD I NEEDED TO CALL MY AGENT WHO I CALLED BUT HE DIDN'T RETURN MY CALL, THEN I FOUND A DIFFERENT AGENT WHO I CALLED AND HE FINALLY RETURNED MY CALL, I TOLD HIM THE OTHER AGENT HADN'T RETURNED MY CALLS AND HE SAID MY AGENT WAS OUT OF TOWN AND HE OFFERED TO HELP AND E-MAILED ME PAPERWORK TO SIGN THEN HE WANTED IT FAXED BACK. I HAD NO WAY TO FAX AND HAD BEEN TRYING TO GET THE POLICY CANCELLED ALL WEEK SO I CALLED THE 800 NUMBER AND TOLD THEM WHAT HAPPENED AND THEY TOLD ME THAT THEY WOULD CANCEL THE POLICY AS OF 6-1-14, WHEN I ASKED FOR AN E-MAIL SAYING THAT SO THERE WOULD BE NO PROBLEM GETTING A REFUND FROM THAT DATE. I WAS TOLD THEY DON'T E-MAIL THAT INFO. I SAID I HAD TO HAVE IT AND SHE AGREED TO TYPE ONE HERSELF AND SEND IT WHICH SHE DID.(I HAVE THE E-MAIL AND CAN FORWARD IT TO YOU!!!!!) THEN THEY SENT A LETTER TO ME ASKING ME TO KEEP PAYING THEM AND THE CANCEL DATE WAS ON THE LETTER AS OF JULY 1 SO I CALLED THEM THEY TOLD ME THEY WOULD CORRECT IT AND SEND OUT MY REFUND I HAD OVER PAID THEM FOR JULY AND 1/2 OF AUGUST AND NOW THEY ARE REFUSING TO SEND ALL THE MONEY BACK AND ARE KEEPING 92.95 FOR THE MONTH OF JULY, AND SENDING A REFUND OF 46.47 EACH TIME I CALL THEY TELL ME A NEW STORY AND NOW THEY ARE REFUSING EVEN THOUGH I HAVE THE E-MAIL SAYING IT WAS CANCELLED AS OF 6-1-14

Desired Settlement: I WANT A REFUND OF THE ENTIRE MONTH OF JULY REFUND $92.95,WHAT THEY TOLD ME, THEY CLAIM THEY DON'T KNOW WHO SENT THE LETTER E-MAIL IT CAME FROM THEIR COMPANY. ALSO I HAVE NEVER RECEIVED THE 46.47 REFUND EITHER!!!! BUT THEY HAVE MANAGED TO SEND 3 LETTERS ASKING ME TO RENEW MY POLICY.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I guess you don't read the complaints, They have never contacted me and complaining to the BBB is a waste of time all you do is forward to them and they do nothing. Aflac you are thieves and you have never contacted me or even returned the money you said you owed me,  Aflac you said you mailed me a check on 7-16-14 and it has never been received. LIAR!! The BBB is worthless and I can't believe business owners pay you???

Regards,
******* *******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a cancer claim for my wife denied last year even though I was told by the representative who initially approached our company about the policy that it was ok to sign her up despite her currently undergoing chemotherapy. She would just have an initial 12 month waiting period before she would be eligible for benefits. I waited the 12 months and filed a claim but it was denied based upon it was pre-existing and not an initial diagnosis of cancer. This not only contradicts what my representative advised me but also is a direct contradiction to their own Pre-existing clause which states:A claim for benefits for loss starting after 12 months from the Effective DATE WILL NOT BE REDUCED OR DENIED on the grounds that it is caused by a Pre-Existing Condition. A critical illness will no longer be considered pre-existing at the end of 12 consecutive months starting and ending after the Effective Date. So after the 12 month waiting period, I filed a claim for her critical illness. Since it was after the 12 month waiting period then PER THEIR PRE-EXISTING CLAUSE, her cancer cannot be considered pre-existing and therefore cannot be denied. Thats not my opinion. Thats per AFLACS POLICY that she advised me to sign up for.My rep was not able to help me and I found her to be useless and not forthcoming. She mentioned that the problem had to do with the Re-Occurrence clause which cannot be considered relevant until after the First Occurrence or Pre-existing clause.Lets be clear. I have my health and life insurance license. Im quite familiar with selling insurance and clearly explaining benefits and exclusions. I did not have a conversation with ***** that said something to effect that she can sign up for the policy but her cancer would not be eligible for benefits since its pre-existing and ongoing but she would be eligible for ot

Desired Settlement: I expect Aflac to pay me all benefits in the policy since I fulfilled the terms and conditions of the policy before filing a claim. This would be a minimum of $10,000

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****

BBB's Final Determination: Consumer accepted resolution offered by the business.

7/25/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We filed a claim on the 26th of May 2014 to Aflac insurance after my husband was released from the hospital after having **** ***** surgery. To this date as of July 15th 2014 we have not received a check from this company. We keep getting request for paperwork which we have repeatedly sent in and the company keeps send us request for more paperwork. It seems to us that Aflac wants us to give up on our claim. We received another letter today stating that if all necessary documentation was sent in they would process the claim within 14 days. This is the third letter stating the same thing. This company has brought on undue stress to my husband and me. We have payed into the company and have tired of the constant run around. Their sales rep misrepresented the company when I was sold the policy and on their TV ads they state claims will be paid in 4 days, to us that is laughable. We will never recommend this company to anyone and even letting people know on social media what we have gone through.

Desired Settlement: PAY THE CLAIM !

Business Response:

Good afternoon,

We are in receipt of this complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i had accident insurance from aflac. i had a accident in november of 2013. as asesult i got an ********* ** *** **** ** ** ****. i was hospitalized in febuary 2014. i spent two months in the hospital getting i.v. antibiotics. i had 6 surgeries a partial aputation of my foot skin graft and numerous mris. and xrays after my release from hospital i was not able to walk for over two months the stress from caring for me and the rest of the family resulted in my wife having a miscarage. i have exausted my bank accounts i am supoting my family on disability unable to go back to work yet my bills have gone unpaid for months my credit score has gone from over 700 to around 500 and aflac keeps refusing to honor there responsablity and pay this claim.

Desired Settlement: i want my claim payed like it should have been months ago.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I WAS A MEMBER OF AFLAC FOR 3 YEARS WHEN I FINIALLY DECIDED TO FILE A CLAIM IN ORDER TO BE REFUNDED. ONE OF THE POLICIES I HAD WITH AFLAC WAS DENTAL AND I WOULD GET REFUNDED FOR THE PROCEDURES DONE AND PAID FOR AT MY DENTIS. THE PAPERWORK WAS HANDED TO MY DENTIST SO SHE CAN FILL OUT THE PROCEDURE CODES NEEDED. WITHOUT MY KNOWLEGE, SHE WENT AHEAD AND FILED THE CLAIM AND NOTED IT TO BE PAID OUT TO HER. I DID NOT AUTHORIZE THAT. WHEN RECEIVING A COPY OF THE CHECK SENT TO HER, I WENT AHEAD AND CALLED AFLAC EXPLAINING THE SITUIATION AND EXPECTING SOME KIND OF AN ANSWER OR HELP. I THEN CONTACTED MY REPRESENTATIVE **** *********. I WAS TOLD THAT THERE IS A LOOP IN THE CLAIM FORMS AND I FELL INTO IT. HE WAS THEN SUPPOSE TO CONTACT HIS MANAGER AFTER SEEING AND TOTALLY UNDERSTANDING WHERE I AM COMING FROM. I WAS TOLD I SHOULD HAVE RECEIVED THAT CHECK AND NOT MY DENTIST SINCE I DID NOT AUTHORIZE THAT. I WOULD TEXT AND CALL HIM AND GET NO REAL ANSWER OR PROGRESS REPORT. I THEN FAXED OVER THE LIST OF PROCEDURES THAT MY DENTIS FILED TO MY DENTAL INSURANCE SO I CAN GET REFUNDED FOR THOSE BESIDES THE 2013 ONES MY DENTIST PUT ON THE CLAIM. THAT SHOULD TAKE 7 TO 10 DAYS FOR ME TO RECEIVE AND STILL HAVE NOT SEEN THAT. THIS ALL HAS BEEN GOING ON FOR AT LEAST 3 MONTHS. I AM VERY DISAPOINTED AND DISCUSTED. I CALNCELLED MY MEMBERSHIP WITH THEM.

Desired Settlement: I DESERVE TO BE PAID FOR THE CLAIM MY DENTIST FILLED WITHOUT ME AUTHORIZING AND AFLAC NOT MAKING SURE I OKAYED THAT. AND FOR THE CLAIM I FILLED FOR THE REST OF THE PROCEDURES DONE BESIDES THE ONE SHE FILLED FOR. I WAS PAYING FOR MY MEMBERSHIP EVERY SINGLE WEEK. I DESERVE WHAT I AM DUE.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In October of 2013 I was notified by AFLAC that my existing life policy in the amount of $50,000 was going to terminate on December 1, 2013 because I had not notified them in 2008 at age 65 that I would be converting my policy when I reached 70. That was it! No other options offered of any kind. On January 10, 2014 I received a letter from AFLAC stating "We have been notified that you have applied for coverage at another company to replace your Aflac Life policy listed above" ********. We encourage you to compare the two policies" Your policy is currently active and will remain active as long as renewal premiums are paid. I made the payment on 1/27/14 and have continued to make the payments. I received a letter dated March 12, 2014 I received a letter stating they were enclosing a check in the amount of $259. for overpayment on my AFLAC account ****** I contacted AFLAC spoke with a representative who looked up my account. The $259.00 divided by two represented 2 payments of $129.50 on my life policy. She assured my the payments were applied to my policy. She asked me to destroy the refund check and the matter I thought was resolved. On May 7, 2014 I received another letter stating my policy was terminated but could be reinstated using the three payment choices available to me. Also enclosed was another check for $259. I contacted AFLAC AGAIN. I explained my payments were current. If they check my account they would see all of my existing policies were current, why would I not pay my life policy. I have been attempting to resolve the matter with AFLAC but they insist they can not activate the policy which contradicts the two letters I received. I have been lead to believe that my life policy was active while we were trying to resolve this issue by ******** **** of AFLAC. I have made multiple calls and have been handed off multiple times. Today I contacted AFLAC and was told by ***** ******** who explained the issue had be accelerated and they refuse to change.

Desired Settlement: I simply want my life policy to be active, have them honor the offers made in their correspondence and put it in writing so that I can have the peace of mind that my family will benefit by a policy I've paid for over 10 years. On a side note, I still have both the refund checks issued which have not been cashed.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy guidelines, we have forwarded to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My husband purchased a policy with Aflac for disability. My husband was injured as a result of a fluke accident, (playing softball his ******** ****** ********** with NO prior condition that would've led to this injury. It was simply a fluke. We were as surprised and devastated as anyone. He hasn't been able to work. He has had and is still enduring such a tough road physically. He may not ever gain the ability to walk normally again. We are hoping he'll be able to return to work. Certainly he should be able to at some point, but it will be a very long road. Regardless, we have complied with Aflac requests since the beginning in getting them the proper documentation to follow through with their claim. We've spoken with countless representatives who claim someone will call us back with answers. We've requested to speak with an auditor countless times and told they too would call us, we have NEVER received a call from one. We reached out to the sales person who sold us the policy and even THEY couldn't get an auditor to call us back by the time promised which is always "end of day." We were told in the beginning we couldnt speak with auditors and after weeks of pushing was able to at LEAST get a name and be put through to a voicemail. In the beginning they claimed "all we had to do" was fill out certain forms. It was "that easy." We submitted the forms. They then requested more information. We supplied that. We then were told he had prior surgeries on his ******** ******. Two in fact is what they claim. He has NEVER had prior injuries, conditions, or surgeries to his ******** ******. Once they admitted that mistake, they asked for more information for which we supplied. They have now requested MORE! Each time it has been broken promises from them yet more demands to simply get them to follow through with the very service they sold to us to begin with! They've sent us letters claiming inaccurate claims including the claim we haven't provided information their own reps told us they received.

Desired Settlement: Pay our claim. Its that simple. Follow through with YOUR promise as you sold it to us.

Business Response:

Good morning,

We are in receipt of the attached complaint. Due to privacy guidelines, we will respond directly to the customer.

 

Thank you,

*******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/22/2014 Problems with Product/Service
7/17/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: We are located in ****** *** We were told by the Mpls BBB to file the complaint in the home city of Aflac Corporate offices. I own a company in ****** *** The Aflac sales representatives come to our office numerous times a month to solicit business after they have been told for years we are not interested. They still ignore our privacy and no solicitation signs and send in a new rep each time. ****** ** has some of the strictest no solicitation laws in the US that allows us to have them arrested for solicitation. They tell there reps the laws do not apply to them but they do as they are soliciting a product. I have spoken to numerous supervisors and they all promise they will leave us alone but they don't. I will contact the ****** police on the next rep that walks through my door and they can let the courts sort it out. If you do not have a permit in ****** to solicit, you will go to jail immediately. It would appear they have no regard for the privacy of private companies or the welfare of there sales reps who they send out. It would also appear they have a constant turn over of employees as each time it is someone new. Its unfortunate that a young sales rep fresh out of college trying to make a living will end up in jail due to the sales tactics of the company they work for.

Desired Settlement: Stop coming to our place of business for ever. Were not interested. I will never ever buy anything from them so they can stop wasting there time and mine.

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Until I get something in writing that they have addressed this issue with the MN sales office, I won't consider it resolved.  I have received a voice mail from the MN sales director who said he  will address it.  I want something in writing for my files in the event of future issues.

 

Thank you.

BBB's Final Determination: Consumer accepted resolution offered by the business.

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I've had nothing but difficulty processing my claim with Aflac. Tried contacting my representative (******* *********) 3 TIMES and left messages over the course of 3 WEEKS and still have not received a call back. Unable to access online claims and I'm told it's because I have an Apple computer. They are a major corporation, why is their system not compatible with Apple? After finally reaching a regional supervisor she was confused why I was told by the corporate representatives that they aren't compatible with Apple because one of their offices are run on Apple. I was told I would have the claims mailed to me since I can not access online and they sent my policy information instead. When I called back again after receiving the wrong packet, I was then told the forms could be emailed to me. WHY WERE THEY NOT EMAILED TO ME IN THE FIRST PLACE TO MOVE THIS PROCESS ALONG??? I've now been out of work for 3 weeks and have just begun to process my claims. They advertise claims get processed in 4 days. I'm EXTREMELY disappointed in the service. I've finally spoken to the regional supervisor for my representative and I'm still having difficulty. The website is not allowing me to process my claim and the (800) AFLAC representatives told me to contact my personal representative for more help in moving the claim along. I WOULD DO THAT IF HE OR ANYONE ELSE WOULD ANSWER THIER PHONE OR RETURN ANY PHONE CALLS!! The State of NJ has processed my temporary disability faster then their private corporation that I pay monthly. Unacceptable. Further research has shown me that I am not alone in these problems. Consumeraffairs.com has a long list of other disgruntled clients.

Desired Settlement: I would like someone higher up in the company to contact me and move this along. I would also like a new representative that can actually handle claims. When speaking to the regional supervisor she agreed that it was unacceptable but that was 4 days ago and I still haven't reached a resolution. I've tried uploading online and their website isn't working. I'm on disability and unable to leave my house to go fax information. They won't accept emails! When they advertise the ease of processing claims, that is what I expected. I feel like I've been taken advantage of and no one in their company seems to care or want to resolve.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

********* *******

BBB's Final Determination: Consumer accepted resolution offered by the business.

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Alfac short term disability in Aug 2013. I was told that if I got hurt on or off the job this would help pay the bills. that when i sumint a claim it should take 7 working day to get payed. I was injured on the job on Dec 13,2013 the doctor took me off work for 30 days. i file my claim on Dec 15, 2013. my actually claim paper work did not get file to her office until april 15, 2014. the first paper work they needed was the employer statement. then they wanted the doctors medical record. the claim was denied due to they could not get medical records.after many many called and faxes of the same paper work over and over again the claim was denied again due to it does not pay if you hurt on the job. when I called them to find out why when there was a rider policy included which pays for injury on the job they said I m so sorry for that mixed up i will get this over to the auditor I have repeatedly told them that if any paper work they need to please call me and I can get it for them,no call back as been return. I want what is owe to me and not what they want to pay me.

Desired Settlement: would like them to resolve this quickly and pay what is owed to me no more no less.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been a member in the Aflac Hospitalization policy for a few years now. At first putting in a claim was easy and I would get my payment in a few weeks. Now I have been fighting to get my claim settled since June 14, 2013. Yes of last year. I sent in my paperwork once, twice and third time and even sent it to my agent **** ******. I have been trying to get my money because I had surgery on my **** ***** last June 14, 2013. My Agent kept telling me I needed more paperwork and more paperwork that I called ****** ******* center so many times we were on a first name basis. She even told me I was getting the run around and she had sent everything they should have needed as she had dealt with Aflac before. So my agent **** ****** said he would stop by my house and pick up again what I had and make sure it was rushed through because of the long wait. Well he took my papers and that was the last I heard of him. I called the corporate office of Aflac and after months and months they finally said I needed to write something in writing about what happened to me and that **** ****** would not mail or give me my paper work back. So I did I faxed it over to the corporate office and said I thought they should contact Mr. **** ****** and get my paperwork. What company makes you wait a whole year and go through a living nightmare just to get what is rightfully mine. Beware of Aflac it is not what they say they will do for you. *** *****

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to get in touch with **** ****** get my paper work, settle my claim and send me my money then make sure Mr. ****** doesn't do this to anyone else ever again. I will not be renewing with Aflac again this is not a reputable company to deal with. Beware Aflac members.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

*** ***** *****


 

 I have not received any money for a claim that was opened over a year ago from Aflac.  The agent took my papers and will not give them back.

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am a sick customer suffering from terminal illness. My certificate number is xxxxx****. I filed my claim about a month ago for two separate hospital stays 04/19/14-04/26/14 and 04/28/14-05/02/14 at ** ****** Hospital(SSH)and ****** ****** Hospital(BJH)respectively according to my policy's benefit schedule of payments. AFLAC GROUP refuse to pay me my full amount as outlined in the benefit schedule. To date, I have received partial payments for my hospital stay at BJH. AFLAC is now trying after a month and a representative admitting that the *** hospital information was overlooked (thought it was SSM) and an rep. *** finding the information and forward it to escalations, now saying the illness is the same. AFLAC has supporting documentation verifying my hospital stay and my operative report verifying a different surgery. I have called several times (at least five I have the tracking number of most calls) often receiving different representatives and various messages. However, one message rings true. It appears that AFLAC is aware that they are not paying sick customers the total amount of their claims and dare us to appeal the decision is the verbiage most representative have conveyed to me.I was also told that there is no complaint procedure when clams have been processed in error. Who is governing this large company?

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am requesting the total amount due as outlined in my schedule of benefits.Design a procedure for complaints or when claims are in error outside of appeals. Develop a form that goes out with the denial letter.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/10/2014 Problems with Product/Service | Complaint Details Unavailable
7/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: We have been harassed at work by AFLAC for years!We have asked to be removed from their calling list dozens of times to no avail.We are also on a do not call list but they persist.Their representatives refuse to honor our requests and continue to disrupt our business with obnoxious calls.

Desired Settlement: We want them to stop their harassing telephone calls.

Business Response:

Good morning,

We are in receipt of this BBB complaint and have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/2/2014 Problems with Product/Service
7/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying for over 2 months to cash in an insurance policy that I have with Aflac. After several attempts I finally received the paperwork to get the money and sent it back in. Now, I cannot get them to send me the money that is owed to me. Everytime I call I get a different excuse. From the date it was mailed to when it was processed. I have been looking for a check since the first of June.

Desired Settlement: I just want the money that is owed to me from Aflac.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a short term disability policy with Aflac insurance company dated back since 2008. There was an medical incident where I could not work at all due to the ********* ***** ********* and ********** ******* that I was diagnosed with back in 2012. I've provided Extensive detailed Medical documents that two different Doctors confirming everything. Medical codes: ********* ***** ******** ( **** *****) ******** (**** ******). My claim was denied and I need some one to Help Me Please!!!!!!!! This issue has existent for the last two and a half years. Please Can Some One Help, Please.

Desired Settlement: I just want for Aflac to compensate me for the amount of finances that are owed to me based on policy pay out for short term disability which premiums were paid for. That's all I ask for.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/30/2014 Billing/Collection Issues | Complaint Details Unavailable
6/27/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: over the last year i have been called 774 times by Aflac after my wife and I have informed them to remove my name from their call list.I will never recommend or use Aflac due to their harrassing phone calls!

Desired Settlement: NEVER CALL ME AGAIN!

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am enrolled in an accident policy and I pay for it. I broke my arm in April of 2013 and the agents are telling me I wasn't covered. Every time I call I get a different agent telling me different things. I began working with ********, but when I call back, the reps either say there is no such person, or they will send her a message. I do not believe she is getting the messages, because she never calls back. Because I have no policy information, I do not know what is covered, how to file a claim or anything. I printed one from my computer and filled it out, but apparently that was the wrong one. I didn't know that because NO ONE ever contacts me regarding my claim. I have sent in doctors notes and surgical records, but after waiting almost a month to hear from Aflac, I called and was told they couldn't read them and to re-send them. Why didn't anyone let me know that?? Then I called to check the status of that and the notes were filed in the wrong claim. Then I called back and was told I needed to send in a letter better explaining the claim. Then I called back and was told I needed the doctor to write on a piece of paper that it was an accident. Then I called back and was told I wrote Jan 11, and the examiner thought I meant 2011. I am doing all the calling. I haven't received anything from Aflac. Recently I was told I needed to appeal the decision. Why? That takes 45 MORE days!!! This could have been resolved if one person would work on my claim and maybe called me if there was an issue.

Desired Settlement: I would like to be paid for this claim that I had coverage for. It was given a claim number over the phone. I have nothing in writing. CL# *********. It shouldn't take 14 months.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* *******


 

 I have received a letter from Aflac regarding my BBB complaint.  

I disagree with much of it as being untrue; but regarding the claim, The fourth paragraph of the repsonse states my doctor stated I had no new injuries. The fifth paragraph states this same doctor  "noted an aggravation of my right arm by pushing a door, but no diagnosis of a new or seperate injury".  

Pushing a door  that said pull caused immediate pain to my arm, and I immediately sought medical attention. This would be an "accident".  A new event, new injury, new diagnosis, because the "aggravation" caused new pain.

I was unaware that I needed to chose appropriate wordage to my doctor, and to have him specifically use the word "accident" to have my claim covered. The doctor was not present at the time of the injury, and cannot confirm nor deny it was an actual "accident".  And in my opinion,  telling the doctor what to say seems to boarder on insurance fraud, and I am not interested in that.

I did not go to the doctor with the intention of filing a claim, so semantics was not a priority.  This "aggravation" caused a surgical necessity, to include a plate, 14 screws and a cadaver bone.  

Please supply the name of your orthopedic doctor/surgeon, so that I may discuss my claim with him/her and have the two doctors discuss my claim for approval.

 

I do not know of an "incident" on 9/26/13 that they refer to.

They requested medical documentation for clarification, however that has been sent.  Unfortunately, there are other claims tied into mine, and I have been told my information gets placed in the wrong files.

 

Please continue to keep this report open, as I would like to receive a reply from Aflac.

Thank youi

***** *******

 

Business Response:

Good morning,

We have forwarded your concerns to the appropriate department to be reviewed and addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

 

******* *******

 I have received a letter in the mail.  It is quite confusing.  I don't know where the claims department is getting their dates of injury from.  I do not recall an injury in 2005, 2011, nor 9/23/2013.  

 Your response letter states my doctor said I had no recent injuries; then refers to the doctor's note which says "new aggravation due to pushing on a door in April of 2013" .   That would be "new" and an "accident" exactly what the policy I purchased was intended for.

Then the letter claims my policy terminated 4/01/13; however, at that time it was ported from group plan to single pay, and I have the receipts to prove that.

So please pay for my loss, as I have done everything my policy stated I need to do.

 

Thank you

******* *******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* *******


 

 This is a form letter that I have received several times.  I would like to speak with ONE PERSON to resolve this claim.  Aflac is now denying the wrong claim.  This is a mess. There are too many people working on this claim and it is getting messed up even more every day.  The most recent denial letter I receieved states I had no coverage on the date of injury.  That is false.  I do not have a claim number- Aflac has more than 3, I am making only 1 claim. This experience is causing me undue stress and I have already had a heart attack over it.   It is driving me into severe depression.   Please have someone with authority call me so we can get this resolved.  It has been 14 months.

Thank you.  ******* ******* 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

6/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My wife and I were planning on having a third child, so we attempted to purchase a policy that would supplement her income during her maternity leave. We met with **** ***** and specifically told him that we wanted to purchase insurance because we were planning on having a third child. He explained to us that we would have to wait at least one year before we could claim those benefits. Now AFLAC is claiming that our policy does not cover these benefits. We have paid our policy for over two years and now that we are trying to initiate a claim we are told we dont have coverage.

Desired Settlement: We would like to receive the benefits that we asked for and thought we were paying for. The AFLAC representative told my wife, Its too bad theres nothing you can do now because he doesnt work for AFLAC anymore. If it is not possible for us to receive compensation for the policy we requested to purchase we would like a full refund since we have never exercised our right to file a claim on these policies. Furthermore I feel that AFLAC should be held accountable for any person representing them while conducting business, I am appalled by their lack of professionalism.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/20/2014 Problems with Product/Service | Complaint Details Unavailable
6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I submitted a claim last year, I submitted all necessary information from ********* Hospitals medical records department. And they still refused my claim, saying they needed more information. What more is it they need? Aflac was deducting monies from my account weekly, when I submit my claim they don't want to pay out. And I am appalled! There trying to find negligence within my claim. There asking for toxicology and drug records, which are not relevant. My son was stabbed, and my accident policy is supposed to pay me! Disgruntled Customer

Desired Settlement: I want my claim processed and I want what I'm due my money!

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be reviewed and addressed.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have purchased a short term disability policy and an accident policy back in2013. I was involved in a motor vehicle accident in March of this year with my policy has been in effect for over a year. They have made it impossible to get any sort of payouts on the policies and that every time I call and ask I hear a whole different list of things they need. I have had the physician fill out the statements and requested a copy of the police report as well for them but the ****** state police have been unable to locate the report. I am a mother of 3 girls in college and have no other source of income and could really use the money I have paid out for these policies. if they are going to continue to give me the run around Even after I submitted all of the reports, doctor forms and dmv reports as well as the police report of a motor vehicle incident that they should pay out or return all the money I have paid out to them for the past year( which would be much more than what they would have to pay out for my disability). Because of all the stress of worrying about finances and the endless phone calls and faxing reports to them I have been having increased anxiety as well as high blood pressure secondary from stress. This company makes it sound so easy to file claims and that they payout fast but this is not the case at all. I am not sure if there is anything that you will be able to do but I would like to know if they have done this to others as well. I could surely use a break as my bills have been adding up and I have not yet returned to work, but at this rate I am going to be back to work before I see anything from aflac. I would surely appreciate if you could look into this unfortunate situation Nd would greatly appreciate your help in getting me the money I have paid into them for the accident and short term claims.

Desired Settlement: I have been paying I to aflac for over a year now for myself and my children. I was in a MVA and have been unable to work. I have filled out all of the forms, police reports, doctor forms and others .I have been very patient and have done all of my part and they continually find other reasons to not pay. I Would like to see either my polices to pay me what is owed or have them reimburse me for all the year and a half I paid in to them. It has caused me a lot more unnecessary stress

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to address.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Working on a case now for two months and went to **** ***** District Manager, still no help with getting my claims resolved since March. They have release of records from ******** Regional Hospital. I was in an accident and the office did not write up a report, but exchange of information and went to the police station and only a dispatch notice and this claim is with injuries Product_Or_Service: insurance

Desired Settlement: DesiredSettlementID: Refund I need this settled

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC is not honoring the policy I have with them. It has been in review for more than 10 weeks now. My doctor and I have sent in every type of document requested. All of them have been basically the same just worded differently. Policy was in affect on 01/04/14Claim was filed thirty days later. 02/04/14 . Even if they say there was a thirty day waiting period this is past that date. My doctor has sent in documentation stating that any proir injury back to the year 2012 has nothing to do with this injury. This included 2013 to date of injury.

Desired Settlement: Honoring of policy, pay the policy, all of the negitiveity now listed on my credit report be removed and or AFLAC taking responsibility for the reports. Compensation for the physical pain and mental anguish during this period, plus all interest and penalties acquired.

Business Response:

Good afternoon,

We are in reciept of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* ******


Again AFLAC puts things off to another review. My CLAIM has been in review for over 10 weeks now. Just how much longer is this going to TAKE. I have had no income since the injury on Feb. 4,2014.

My policy I've paid for should have been giving me some type of income. AFLAC will be the first to take your money but to pay on your claim they use every tactic to delay payments. My credit rating is now sufferinng because I can't even make a good faith payment to any of my creditors. This is why I paid for this policy, to keep from distroying my credit and to keep things going forward, not in a downward spiral.

 

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* ******


I have called them several times. If not daily then on some days several times through the day. I have gotten the same response each time, that a manager has been asigned to review the claim, and there is no change in the status. My doctor has sent in documentation stating that NO PRIOR INJURY has anything to do with this injury. How much more BLACK and WHITE can it be ? My policy went into effect January 4,2014. I had called in December of 2013 to set up the policies and for the automated drafts be taken out on the 3rd to the 5th of every month. I don't believe their is a 30 day grace period on the accidental policy. Even if there was January has 31 days, count the days from Jan. 4, 2014 to Feb. 4, 2014 the date of the accident. It's 31 days. Which is past the 30 day period if there is such a clause. I don't believe there is in this policy. One or 2 of the other policies I have with them do have a waiting period. Like the Cancer Policy for example. My Doctor says they have delt with AFLAC several times before and in most cases there weren't any problems but have never inquiored this type of delay. Please make this public in every way posible so that potiential customers can read about the possibility of problems such as this if they so choose to purchase a policy from AFLAC.  AFLAC has put me into a situation that I specifically bought the policy to avoid. I haven't paid my rent for 4 months now, bills are piling up, utilities are being shut off, delinquent payment reports are now being filed on my credit reports and I'm now having to figure out how I'm going to move, but I can't I don't have any money to find a new place or to rent a moving truck to even move into a family members home until I have my **** *********** surgery, them the rehab sessions and am able to return to work. Please help me I don't know what I can do at this point. I'm to be homeless soon.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

6/5/2014 Problems with Product/Service | Complaint Details Unavailable
5/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: wheen i signed up with agent at work she said my policy would go in effect on an.1 2014 an i went in hosiptal around the 23th of jan .filed my papers to collect insurace an they denied me said my policy went in effect.on feb not an. so they refused to pay me an i was scammed by them when agent told me it went in effect jan 1 at the time i signed paperwork then aflac changed it after i filed paperwork to feb .i thank they should pay me not scam me out of my money

Desired Settlement: pay me what they legaly own me an tell there agents to quit lieing to get people to sign up with them

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 just recieved letter in mail from aflac .was not happy with what was said an yes in letters  on nov.18 20133 an jan.25 2014 .was right but when i signed up at ****** thru ur agent .she informed me it went in effected on janary 1 2014 not feb 1 2014 .the agent lied to get me to sign up an she even told me if i cancelled to calll her so she would nt get in trouble with aflac when i called her to get her to file paperwork an i had to file them on my ow an the customer resource person i talkedto on phone said it went in effect on jan.1 an it would pay an told mee how much an mailed me forms to file with.i have already cancelled my policies what is a reason to pay insurance that dont pay

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I obtained a policy from Aflac in 2010 and just discovered in February of this year that I had a duplicate policy. I was told I would be getting a refund for the duplicate policy I have paid on for 3 1/2 years. I have contacted them numerous times and all I get is please allow more time. They have already terminated the extra policy but I still have payroll deductions for both policies and I want a refund. It can not be that hard; the policy is terminated so just stop the extra payroll deductions and issue a refund check.

Desired Settlement: I want a refund check in the mail immediately and I want payroll deduction for only one policy.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

The only thing that their response said was that they are in receipt of the complaint and it has been forwarded to the correct department to address the problem. There is no resolution in this response at all. As stated in the complaint I refiled I did receive a check in the amount of 1630.20 on or about April 29; however this policy went into effect on 9/2010 which means on 4/15/2014 (the date of the refund) I had made 44 payments at $42.90 per month for a total of $1887.60. I thought they would stop payroll deduction and they did not so I have now had another payment taken out of my check in the amount of 42.90 on my May payroll check. That leaves a total of $300.30 that they still owe me.

Business Response: Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  Forur reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

 There  is still no resolution offered 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

5/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a complaint with Aflac Group Insurance. They gave me the run around on a claim that I was trying to have paid out. I had to repeatedly fax over documentation to them to substantiate a **** *** ****. They never tell you whether or not you have all the correct information, they just deny the claim after waiting for over a week. You go back and forth with them continuously sending them paperwork so they can pay you your benefit amount. Then when they cut my check, they had the nerve to pay me off of the wrong benefit schedule. They sent me a check for more than less than 1/2 of what I was entitled to. I had to bring it to their attention that they were wrong and now they are looking into it, but yet I have to wait again to be paid out on my benefit. Not to mention, they are trying to rip me off because I submitted documentation stating that my husband had been admitted to the hospital for an overnight stay and they want to pay me the cheaper benefit payout because it benefits them. They are trying to tell me that I get the confinement benefit instead of the Admission benefit because although he was admitted to the hospital and stayed over 24hours, he was only there for 24 hours. Nowhere in my certificate does it state that this is a stipulation and truth be told I should be paid out on both the confinement and the admission because I had to do their jobs and go through my policy with a fine tooth comb and figure out whether or not they were actually ripping me off or just avoiding paying me and it appears that they were trying to avoid paying me. They keep asking for more and more documentation to substantiate there justification for not paying me, but I am not stupid. I know what my rights are and what I am entitled to. I hope that you will help me to find justice in this situation, I am thoroughly disgusted and disappointed in this company and they should not be allowed to get away with this kind of deceitfulness and trickery. Product_Or_Service: Accident Insurance Account_Number: Policy # **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want to be paid out on the correct benefit amount for the Admission rate and have them waive the 1st year rider due to all of my aggravation. they should reprocess my claim due to their error in processing of the intial benefit schedule and making me wait. They aren't claiming any responsibility or ownership for their actions.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for the temporaray disability insurance. I was told there wasn't a pre eslxsisting condition clause. I went out of work with an injury in January and returned to work at the end of February. When I called the lady who I signed up with and she stated she was working on the claim and was allowing her boss to try and get me paid but couldn't make any promises. I never received any calls from her and never got paid.I feel I was lied to just to get sign up. When I called the corporate headquarters I was told of the pre exsisting condition clause and that there was nothing I could do. I was out of work nearly 2 months without pay. I also visited the doctors office and was told mybthe lady I signed up with to contact her with all the claims and ahe would process them which would be faster and could never get ahold of her.

Desired Settlement: I would like to be compensated for the time I was off work and or refunded for every month I paid for service and never received any services.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/16/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: false Advertising, misleading information to get contract signed.On 2/20/14 I met with ***** ******* phone number ###-###-#### about short term disability, after I was given all the information I decided not to go with Aflac because she told me the price which I thought was too high. she then told me I would be covered from day one and the only thing I would not be covered for was if I was already pregnant, once I told her no I was not she said well you have nothing to worry about you will be fine. In the meeting was another co-worker who witnessed the whole conversation (****** *****). Upon signing the contract which was not on paper, I was told to put my initials, which was to state I was not pregnant already and that will be the only thing I will not be covered for. Now in April I put in a claim form for payments due to an unexpected illness, I was denied because the illness was in the first 30 days. The illness was 3/6/14 and my surgery was 4/21/14 and I will be out of work for 4 weeks, I called the office of ***** ****** and was advised it was nothing that could be done the only thing ***** kept doing was trying to make me keep the policy and didnt care about what was going on now. I told her I was going to the BBB to report that the rep was opening policies under false and misleading information, and she said ok.

Desired Settlement: I would like this matter resolved by aflac paying me for my claim that was placed.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/12/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have called numerous customer service agents and supervisors since February when I filed the claim. I signed off on a premium full refund release form and have seen no action. Everytime I call, I am told that the release form is in the right place than to find out nothing has happen. I have spoken with a * *********, ** ********** and a ** **** and none of them gave me true and credible information. They would say it is in the wrong place and they forwarded to the right place. However, each time I call back, I find out it is in the same place. However they can process a deny on other claims, but have yet to handle my refund of my premium release form which I have mailed and even e-mail to the addresses they have provided me. This is the most not credible insurance company on information that I have ever heard from and my frustration has reached the roof.

Desired Settlement: I just want the release of all my premiums refunded back as agreed by the sign contract that I have done. I believe all this inconvenience should be more than enough for them to speedily send back my refund.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded to the appropriate department to be addressed.

Thanks,
** ******

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.  I am bothered that they only sent my money back but without any interest for having it sit around.

Regards,

***** *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: After having the plan for about 16 months I had to file a claim due to an accident under my accident policy and it was not handled for a few weeks, so I called and was told to talk to my agent which told me it would be handled asap. A few days later when talking to the agent I was told that nothing had been done, so I asked to cancel and was told that he would rather expedite the claim so that he could "take care" of me. Around a month later I received a call that the claim had been filed with the corp. office and I should hear something in a few days from them and did not hear anything until I called them a week later to find out that they couldn't help me and when I asked to cancel my plan was told I could not do so nor get a refund because I had tried to cancel two months earlier.

Desired Settlement: I would like to take the correct necessary actions to cancel the contract and pay if necessary to do so, also I would like to be refunded from the date I first contacted them about my accident on Feb 26, 2014 which I started being run around by their company.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I canceled my insurance policy within the 30 trial period and requested a refund exactly like I was told to. The policy stated I would receive back ANY premiums paid. The won't tell me why I haven't received it. They just keep sending me bills. This is going on three months.

Desired Settlement: All my premiums paid back according to their policy.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** ******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have tried to contact our AFLAC representative at both of his e-mail addresses and received no response, yet he sent out a mass mailing on behalf of his son who was selling baseball tickets. I telephoned and FAXd info to AFLAC the week of 4/1 and week of 4/7, asking both times to be contacted by end of that business week. I didn't receive calls either time. Product_Or_Service: Stopped reimbursement check Account_Number: ********

Desired Settlement: DesiredSettlementID: No settlement requested - for I've asked for a response as to why a check they sent to me ($60) that I cashed was stopped, making my bank account overdrawn. If I'm not due that $60, why didn't they contact me?

Business Response:

Good morning,

We are in receipt of your concerns and have forwarded to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have had Alac coverage for 2 years. I recently had a baby and had a hospital stay. Aflac is denying my claim saying that is was a preexisting condition. As I stated I have had coverage for 2 years so I was covered a year prior to getting pregnant. If they would look at their records they would see this. They have no ground to deny the claim. I wonder how many other clients they have done this to.

Desired Settlement: Pay my claim.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an AFLAC accident policy holder for several years now. I have family group coverage and back in January my wife received a **** ***********n by a chiropractor and had a ********* ****** ********** ****). My wife was being seen by the chiropractor for pulled muscles causing a headache. The *** was described by the ER doctor and family doctor to be an accident caused by mild trauma causing a *** and ultimately a stroke, and should be considered an accident and not a medical illness. I understand that my accident policy does not cover sickness or illness, but a *** is a physical injury accident and Aflac denied my claim stating my policy does not cover strokes. The ER medical report indicated my ******* *******'s final diagnosis was a ***. Aflac has been sent all the doctors note that stated the above and I believe they just don't want to pay on my policy because they aren't sure what a *** is or how it could be an accident. My wife was seen by the chiropractor on January 8th and then again on the 10th she was hospitalized on the 11th of January. Aflac is denying my claim stating my wife wasnt seen within 72 hours at a hospital from the time of the accident. The doctors believe she had the *** on the 10th due to the sudden loss of vision, vertigo, nausea, and vomiting.

Desired Settlement: Having Aflac Pay on policy as outlined in my policy, with out any further delays.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC DOES NOT LIVE UP TO THEIR HYPE!!! Put in a claim for Short Term Disability on 4/9/14 and received confirmation that it was received and am still waiting for payment or updates on the status!! Have tried to call to speak with them for TWO DAYS now, but yesterday they COMPLETELY CLOSED their Customer Service for HALF the day for a meeting and are now closed entirely today for Good Friday! This from the company who's big ad campaign right now is all about how fast people receive payment for their claims!! They are putting my health and my family's well-being at risk by their actions with my claim. Their payment is my only source of income because I can't work due to my illness and I have nothing until they live up to their end of my policy and pay out my claim! I say extremely poor customer service and one VERY UNHAPPY CUSTOMER!!

Desired Settlement: Want the status of my claim and my payment ASAP! Also,want my payment sent overnight, at their expense, so that I can take care of my health needs and my family's household needs.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

I finally made contact with the customer service for their claims department and they expedited the review (which still had not even been started) and finally paid out my claim yesterday. I'm now waiting for the check to arrive.

Regards,

******** *******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been receiving 2-3 calls per day from local AFLAC offices regarding "employment opportunities". They make it clear that they have found my information on a job board but I work in an unrelated industry and have asked to no longer be contacted by the company -- that was four weeks ago! Today I received another call from ***** ******** (###-###-####) claiming that her manager asked her to contact me for an interview - never gave her name, company name, position, etc until I demanded the information.These calls are unsolicited and have quickly moved from annoying to harassment. I have filed numerous complaints with the job boards requesting that they no longer allow AFLAC agents access to our personal and private information as I feel violated.

Desired Settlement: A phone call to ensure that I will NO LONGER be contacted by any AFLAC office or agents.

Business Response:

Dear Ms. *********:

We received the attached complaint.

If a candidate is posting a resume on a free database, such as Career Builder or Monster, then they also agree to their terms which state that their information will be available to employers for contact.

Thank you for providing us the opportunity to address their concerns.

Sincerely,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ****


 

 I left a message at AFLAC Headquarters yesterday in the legal department with no response....yet here again today, I have received two calls and one email for AFLAC representatives.

Business Response:

Dear Ms. *********:

We received the attached complaint.

If a candidate is posting a resume on a free database, such as Career Builder or Monster, then they also agree to their terms which state that their information will be available to employers for contact.

Thank you for providing us the opportunity to address their concerns.

Sincerely,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up with Colonial insurance company and canceled my Policy with Aflac by written notice on 9/28/2013 and requested a refund of my premium dated 9/23 which was not due until 1 Oct 2013. They neglected to cancel a part of the policy and persisted in billing for it. I sent back the bill with a copy of the cancel letter. Aflac persisted in billing instead of canceling and I responded by re-sending the cancel notice 2 more times plus another letter my wife wrote expressing our frustration. The billing stopped after that but, no official notice was sent confirming the complete cancellation and no refund. From there we got monthly letters to stay with them. My wife wrote another letter 27 Feb 2014 requesting the refund be sent. The response Arrived 4 April 2014. No refund just refund rules which are invalid form letter excuses for no refund. For example it was demanding refund request on business letterhead for insurance I didn't run through the business it was all done by personal check never by payroll deduction. They demanded that the request include employee payroll deduction info that doesn't apply or no refund because of a claim or a credit (that doesn't exist). If they intended to send a refund it would have been here long ago. Here it is April and the refund request was sent in September plus multiple reminders. The service and integrity of this company did not look bad until we cancelled and then we saw a very different side. It has nothing but grief and frustration from this company over something so straight forward and it appears to be an attempt to make the refund such a pain it is not worth it. They underestimate the cost to their business. I would never go back or refer friends based on how we have been treated here. This is underhanded and uncalled for treatment. Obviously money is number one and how they get it is a lower priority.

Desired Settlement: Prompt refund of $89.76 with no more excuses. Apology for the poor service.A dinner for two gift card to Olive Garden restaurant for $30 (or cash) for putting up with this for 6 months ($5/mo) and for our time and postage dealing with something that should not have happened.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i made a claim may 5 2013 iwas given 3 differnt agents within several months niether agent filed my claim i was told they no longer with this company i faxed the needed paper twice to the agent i was told to fax for the third time i said to forget the claim i wanted my aflac cancelled i was told the matter would be handeld for months i called with no responce i have phone logs of many calls i have a list of names of people who said they were helping me still not getting anywhere in jan **** ***** came to my work i told him i wanted to cancel my aflac because i got no where with my claim i was very dissatisfied with aflac **** said oh no dont cancel i will personally take care of this matter so he pulled up the claim on his lap top and said oh i can take care of this right away he said he would call me at my job he never did i called him he told me he would fax me some paper work to fill out and sign my humane resourse worker faxed them back the same day 2 weeks no responce kept calling i talked to over a dosen people asking them to cancel my aflac still no responce i call bbb 3 days later i get a call saying we will send you a claim check then finally **** ***** calls me after 2 months of failing totells me he sent me a check which i still havent recieved and told me good luck with my bbb claim they are still taking it out of my check every week i feel you have took advantage of me you have took money i have asked you not to your agents have called my job given information to humane resource worker my bussiness should be private the agent changed dates on paper work to cover his tracks all iever wanted was my aflac canceldsince last year when my claim wasent handeld properlly in may i was client of aflac and it took the bbb to get your attention if i am not reimbursed my money from may 2013 i will be contacting my attorney and will take further action i will post the bbb information at my work place

Desired Settlement: i would like all my payments of $15.54every week since may 8 2013and I WANT MY AFLAC CANCELD

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to address.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an AFLAC client for a number of years. Recently I filed an accident/disability claim following a surgery that resulted from a fall at my home. The claim was filed the first part of December 2013. I submitted the documents as required. I was let go from my job after 34 years and was paid full pay and benefits until Dec 2013. As such I according to my two policies entitled to payments for accident/disability. I called AFLAC numerous times and was told additional documents were required. AS of today, I have submitted to my agent 77 pages of documents and have called "customer service" not less that 15 times since the claim was filed. Most recently I was told the claim was still being reviewed and that I would hear on the status within 24 to 72 hours. I called customer service again today and was told they it was still being reviewed and they needed 24 to 48 hrs. I explained to the CS person that I was told last time that the claim would be taken care of in the 24 to 72 hour time frame. I was also told that they still needed a document from my MD's Office, I asked the CS person to check her file as that document was sent on March 14. She researched and "discovered" the document. She would now expedite my claim!!! She then told that the time frame would be 24 to 48 BUSINESS HOURS!!!!! I have paid my premiums and have been exceedingly patient..especially with NO INCOME as promised by AFLAC.

Desired Settlement: I would like to be paid my disability payments ASAP, without further run delay.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/16/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: aflac agents sell insuance will not pay claims district agent for ohio breaches privacy act falsifing dates on dlaims not allowing clients to cancel leaving client hanging for months no responce taking money from my check when i wanted to cancel almosy a year ago ive had 3 agents on a claim i made almost a year ago and im still getting run around distict agent for north ohio is very incomptent has not return my phone calls he leaves messages with random people at my job what happend to the privacy act **** ***** he misreprence aflac totaly

Desired Settlement: i want all my money i payed since my claim was made may 8 2013 i want my aflac canceled i dont want another agent like **** ***** intimidating me telling me he will handle everything so i dont cancel then never even made the claim as the other 2 agents before him i was told they were let go along with my faxed information all i want is my money

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had an Aflac Critical Illness policy through my employer. In January I was diagnosed with ******* *** ***** ***** ******* which was a condition covered under my Aflac policy. I submitted my claim form on January 9, 2014. I received a letter from them explaining that there was a 30 day waiting period and requesting a form from my ******** center which I sent in to them. Then on February 17 they sent me another letter saying that because I had had the policy less than 1 year, they had to do an investigation to determine that this was not a pre-existing condition. At that time they also requested that I sign a HIPAA authorization so they could request my medical records. I sent the HIPAA form in immediately. I gave them a couple of weeks then started calling about once a week to check on my claim. The first time they said they were still waiting on medical records. The next week it was that they were waiting on prescription records and were suppose to review my claim again the following week. I told the customer service rep that I talked to that day that I really needed the money because I have not been able to go back to work and had bills I needed to pay. She said she could email the claims department to see if they could expedite the claim and that it would take a few days to get a response. I called back on Friday March 21 and the lady I talked to that day said they were still waiting on medical records from one doctor that they had had to send a second request to. I asked her if she could tell me which doctor so I could call them and see if I could get them to submit the records. She said that she did not know which doctor it was. I asked to speak to my claims adjuster and she said that was not possible. She said they could only communicate with the claims department by email. I asked her about the email that the other lady was suppose to send and she said that until they completed the investigation there was nothing they could do. I feel like they are trying to delay payment of my claim.

Desired Settlement: I would like them to pay my claim immediately. I feel that they have had ample time to complete their investigation and are dragging their feet. I have been out of work for three months and have a lot of medical bills that I need this money to pay. My claim number is ********* and my coverage ID number is *xxx-xx-xxxx

Business Response:

Good afternoon,

We are in receipt of this complaint. Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and it is acceptable that they forwarded the complaint to the appropriate department.

Regards,

******* *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Our family has had Aflac for several years. We pay monthly for this service through the company. When someone in my family has an accident, we are allowed to file a claim through Aflac for the injury (but wait there is a stipulation, dont file claims because you will get nasty letters and will be flagged as a cheat). The whole selling point of Aflac to companies is so that employees can file claims (but wait, only if they dont exceed a certain number). We received a letter from Aflac this past August 2013 stating that Aflac is noticing the high incidence of claims and that from now on we would need to produce the HIFCA 1500 form when we fax in our documentation. So for 4 months there were no claims worthy of a doctors visit. In January of 2014, we filed a claim. It took Aflac over 2 months to pay out on this claim. We never received any documentation via mail indicating the denial or that further documentation was needed. Aflac gave me multiple excuses as to why my claim wasnt being processed. I was not aware that once the claim closes out we dont need to refile as they would open up the old one. Who knew that????????? Our representative actually told me there were too many claims. He was instructed to check the dates; there was only ONE date for the injury. Regardless, after numerous phone conversations, we were told that the reason it wasnt getting processed was because we now have to produce the HIFCA 1500 form because Aflac needs to make sure that we are not committing fraud. Aflac further informed my family that many people are in cahoots with the doctors office and will end up splitting the monies received by Aflac rather than file the claim through the insurance company. We were outraged that we are basically being accused of fraud. We have never been so insulted. We have never had a problem in the prior to August of 2013 and always sent in the proper documentation (which was the doctors signature and notes). The overall nonsense and stall tactic created by Aflac was insulting and outrageous. We cant finish your claim because we dont have the correct documentation. All proper documentation had been faxed in several times and it still wasnt good enough. We also tried working with our rep. from Aflac and he was useless. He did not act as a representative and help us file the claim. He was rude and the phone conversations were shouting matches, which was unacceptable. Then, finally the claim was processed only because I threatened to file with the BBB and low and behold, a manager was able to finally finish processing the claim. Then a second claim was filed for my son. And, the doctors office faxed over the HIFCA form several weeks later because it took a while to get it. Low and behold Aflac told me on the phone that the claim had been closed out due to lack of documentation. Just today, we were told the doctors notes are now needed. Yet every other representative told me that those notes were not acceptable only the HIFCA 1500 form was. No one at Aflac can get their story straight. Now we need to produce not only the HIFCA 1500 form, but the doctors notes. So once again, my claim has not processed. Aflac is doing everything in their power to get me to give up filing claims. Just because we file claims, we have now been flagged and are treated like criminals. We are still waiting.

Desired Settlement: Aflac needs to treat us with respect, process claims in a timely manner, make phone calls to let claimants know that there were problems with the processing of a claim, allow us to file claims like every other claimant, needs to recognize that we have six people in our family, and should reimburse our family for our time and energy spent on processing LEGITIMATE CLAIMS. SHOULD BE SUED FOR INSUATING AND CLAIMING THAT WE WERE COMITTING FRAUD AND TRYING TO PROCESS FRADULENT CLAIMS.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,
** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/9/2014 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: I have had a short term disability plan with Aflac for 2 years. I got pregnant and I am allowed by law to take 8-12 weeks off. I was planning on taking the full 12 weeks off with my newborn because I work in a hospital with very sick patients and I did not want to expose myself to them while my child was so young. Well I have never filed a short term disability form before and my manager only filled out the . Paperwork for my company's FMLA. I had my child feb 5th and got my paperwork turned ib on either the 25th or 26TH. When I spoke with a representative he said it would go thru in 7 to 10 days. A week later I called and the representative told me its anywhere from 15- 30 days before it would processed. In the meantime I had to move unexpectantily. Finally after I had been off work for over a month aglac gave me a check for 1 month so I called and asked about any other money and that representative told me they only pay for 6 weeks of maternity leave. So every time I call the rules change and more stuff is added on. So now I have to go back to work instead of letting my child's immune system be a mature as it can be.

Desired Settlement: I want my policy cancelled and a refund of what I have paid into this policy

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I PAID MY HEALTH INSURANCE PREMIUMS AND NOW THAT I GOT SICK THEY ARE LOOKING OFR PRE-EXSISTING CONDITIONS WHICH I DID NOT HAVE IN 2012 OR 2013 AND THE PRESIDENT HAS ABOLISHED PRE=EXSISTING CONDITIONS BEING CONSODERED ANYWAY. AFLAC THROUH CONTINENTAL AMERICAN INSURANCE COMPANY IN COLIMBIA, SC ARE TYRING TO HOLD UP PAYMENT FOR MONTHS. i PAID OVER $400 A MONTH AND THEY HAVE NOT PAID ME ANYTHING NO SHORT TERM DISABILITY AND I HAVE BEEN OF WORK SINCE fEB 06 2013.THESE PEOPLE ARE CROOKS AND DISOBERYING LAWS TO NOT PAY ME

Desired Settlement: I want my money that is owed to me for being off sick and on short term disability

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac has denied my claims based upon a "pre-exisiting condition" after I was hospitalized 11/18/13 - 11/22/13. Myself as well as my doctors were furious to hear this because is it not only untrue, but the Aflac customer service agent told me they based their decision off a test done in October 2013 in which a radiologist gave indication of a issue and Aflac used it as a diagnosis. A radiologist is clearly someone who interprets tests to help establish a diagnosis, they do not give them, that is what a doctor is for and it is unfair practice that my claims are denied based upon what a radiologist says. I have been seen by over 8 specialists since my hospitalization and even though I have received some diagnosis after 11/18/13, I continue to be treated to determine the further cause of my illness. I have stated to Aflac countless times by phone and by written correspondence that all diagnosis related to my current condition that has kept me unable to return to work were given after 11/18/13 yet they will not respond. Since I have an HMO, my primary doctor has had to approve all referrals to specialist as well as testing and therefore hand wrote a letter to Aflac stating that that I did not have a pre-exisiting condition. Aflac still denied it with no indication as to why.Our Aflac Agent barely responds to our emails and phone calls and when we contact Aflac Customer Service directly, each rep has a different answer every time we call. Aflac has only told me via phone that my claims were denied on February 12, 2014 however have not and will not provide anything in writing. My claims are very detailed with a lot of information that I had to provide and I truly believe that they are misinterpreting the claims or are not reviewing everything at once - if they did they would see that I clearly did not have any pre-exisiting conditions.

Desired Settlement: My claim should be approved and my short term disability income along with my hospital indemnity income be released to me so I can continue treatment and pay my bills.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we are forwarding these concerns to the appropiate department to address.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased several Aflac policies and was forced to use them after a severe accident requiring major surgery on may 29th 2012, after surgery I followed there claim process and was mailed a check for 2400 total after 45 days and many screw ups on there part for example we mailed the check to wrong address, I had purchased a disability policy paying 6000 per month for 6 months and was told by the sales lady that she could get that extended to 24 months, when I tried to collect on the short term disability they said first that I had no coverage, second that I had a sickness and it was not covered, third waiting on medical paperwork that my doctor had not sent, in all these were completely false, 18 months later after losing my home,car, and everything sold of value I could find to survive, and over 100 phone calls to there offices I was mailed a partial check of 23400 and was told I needed to fill out more paperwork to get the remainder of my funds because my employer had filled out a form saying I would only be off work two weeks, I called my employer they said not only did they not fill out any form but that they never heard from Aflac in any way.my employer filled out a form saying I still had not returned to work because im permenantly disabled and Aflac sent me a check for 12,600informing me over the phone that I never had two years coverage what Aflac did to me is terrible and im not the only one this has happened too.

Desired Settlement: honor what the broker told me that I would have coverage for 24 monthsreimburse me for all items I sold just to survive aka farm equipmentnew truck, and written apology

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******** *******


 

 

*** ******* *********************

*** ** ** **** ****
to complaints
 
 
 
 
I have no faith that I will be contacted by Aflac but thanks for your attempt to resolve 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to further research.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i had 3 policy insurance with aflac. acc for $24.48psi forfor $40.34std for $22.68 the total of my tree insurances is $87.50 per month.Acording to my policies im cover for accidents, ill, and medical bills .recientily i hurt my back and couldn't work for 8 days.My anual income is 31 000.00.im onlly going to recive from aflac 186.66.this is trick that aflac use to goes away with client money and avoid to pay my salary day of 119 dollar.if we consider 264 day at the yea as working days.im being pay every month to them.i fell robed for them.they are the best scam ever.

Desired Settlement: they calculate better the money that a supose to get back

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 9******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ******


 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My dental policy was wrongfully terminated by Aflac due to change of employer which leads to nonpayment. I was told that Aflac would bill me directly for the monthly premium due, However I received nothing in the mail, no email, no phone calls from Aflac regarding monthly premium pass due. I even reached out to my policy agent within Aflac and received no response at all. Now they terminated my dental policy which started on 7/15/13. I filed a couple of claims for the dental work I did during January. Aflac is refusing to reinstate my policy with no lapse and refuse to process my claims. I sent in a check in the amount of $225 to pay my past due premiums, it was cashed first, then sent back to me with the refusal. In conclusion, why should my policy be terminated due to nonpayment if Aflac never made any effort to notify me. there is no online payment or phone payment options available to customers either. Absolutely horrible experience over all with Aflac. Worst insurance company in the country without a doubt.

Desired Settlement: reinstate my policy without any lapse process my claims submitted ASAPI'll pay Aflac any past due premiums

Business Response:

Good morning, 

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: admitted to ********* hospital on 5-18-13 until 6-3-2013 in intensuve care. filed claim with aflac office in ********* ************ and mailed hospital form ******* and **** to that offfice. no response in 3 months. called office and not answering phone. went to office and doors locked. called 800 number and agent said the ********* office did not fax info for the claim but he called that office and assured me that he had it now and was sending it in. nothing happened. called 800 to check on claim and no claim filed so i personally sent them info after they mailed me another consent form for the hospital tp release info. now i called to check and it has been turnrd over to the auditors whatevere that means. on and on the run around. its been a long ride with no action. this policy has been in force since 1987 that my mother took out on me along with a cancer policy policy. the intensive care policy number was at first called a hospital indemity policy but aflac changed the name of it. the intensive policy acount number is ********. my cancer policy number is *******9. the hospital "********* ****** ****** ***** ** ******* ,tn located in********** area is where i stayed in the i/c for two weeks. Aflac seems to be dragging their heels and i need my proceeds to pay the drs bills for the ********* that i was admitted for. Can you help me with this. thank you BBB for being there. ****** *****

Desired Settlement: i would like for aflac to pay me for the intensive care and anything else for the 2 weeks inthis hospital. i have bills rolling in with NO MONEY!DUH!

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we have forwarded to the appropriate deparment to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been with Aflac for several years and this is the second time I have had trouble with this issue. As of March, 5th 2013 I have been out of work due to injuring my ****. I was on light duty at my employer for a couple months between March and September of 2013 and then had **** surgery on September, 9th 2013. I first filed a claim in November 2013 and sent in what was asked. Which was a detailed billing statement. They then wrote me back and said they were denying me and that I was allowed to appeal this. When I called I was told that what I had sent in was not the correct information and that I needed to send in the documents from my first ER visit. I did that and now they say that I am not eligible for accidental benefits because the ER doctor said that it could possibly be from degenerative diseases. In my statement to the ER doctor I stated that I had injured my **** due to a work injury as I am currently in a workers comp. claim right now. I feel as though Aflac seen the bill from my surgery and all of the MRI's and Xray's and such and is trying to back out of coverage on me. They have no trouble sending out a small check for check-ups and other small things but when it comes to bigger issues they try to back  out and find every move they can to not pay out the benefits. I had to contact the Better Business Bureau a couple years ago over this company because my wife had surgery on her foot and they tried to figure out a way to get out of that as well. They are trying to leave this up to an ER doctor saying that it could be something but it might not be. Oh but I have a chance to appeal this denial as well. How many times am I going to have to appeal this befor i give up?

Desired Settlement: I want benefits that are due to me. I have paid for this insurance for several years and now that I need it this company seems to find it funny that they can do whatever they need to to deny a large claim. To see how many times I will appeal befor I just give up apparently.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I received a letter from Aflac stating that they are basing their denial decision off of what an Emergency Room Doctor said in his notes.  That doctor that they are going by is an "ER" doctor, and because he said that it could be degenerative they are saying that there is no way that it could be an accident. Aflac has asked me for paperwork on my claim three times now, the first two times "it happened to be the wrong info they requested from me." The third time it was the first ER visit that they wanted notes from. 

Due to the type of injury i sustained, the Emergency Room Doctor should not be the determining factor in this claim as Aflac is trying to make it. The Emergency Room Doctor did absolutely nothing, no X-ray's, no MRI's, they put an "asprin shot" in my back and sent me home with a non narcotic pain reliever and told me to see my regular doctor. This was two days in a row that i was in the ER for the same injury. After seeing my actual doctor i was sent to a Neurosurgery department and within a few months was in having a major **** surgery.   I also made calls to the Hospitals HR department and their relations department and was told that the way these ER doctors handled my injury was unprofessional.  In the doctors notes you can see that I told them that my injury was from either helping someone move, or from "work." But because the ER doctor said that it "could" be degenerative, Aflac obviously feels that they do not have to keep their part of our agreement.  

 I have since had a * **** ***** **** ****** and have been out of work with multiple X-rays and MRI's and  I feel as tho, since my employer, (******* *******) is no longer offering Aflac's services to their employees, Aflac is doing what they can to not compensate me for my injury.  With surgery and everything else it will be a larger figure and I feel as though they are doing everything they can to get around it and try to get me to forget about it. Why else would they ask me for different paperwork twice and then write me back and tell me that they needed completely different information a third time? A large company like this should know exactly what they need on the first attempt. And then to base their decision from an ER doctor who did absolutely nothing to dig into whether i had an injury or was faking it is completely absurd.  I feel as though Aflac is doing what they can to get out of approving my claim. 

Regards,

**** ********


 

 

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department to be addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I took out a disability policy on myself with Aflac. I met with a local Rep. We sat down and I explained that I owned a business with my husband, I worked alone here and had a **** **** and was concerned because they wanted me to have a huge surgery on my **** and I need to have disability insurance in case I needed to do this to help pay for someone to run the store. I also took out an accident policy on myself, husband and daughter in order to qualify for a disability policy. Apparently this was the only way she could write me a disability policy legally. It turned out I had a different surgery on my **** the end of November, 2013 and after weeks on emails on February 19th, 2014 my rep finally contacted me that I will not be getting anything due to pre existing conditions! When I had first came to her for help in getting my claim started, for the first few weeks she was under the assumption I had wrist surgery!

Desired Settlement: I either want my disability paid for my 8 weeks or all my premiums I paid while I thought I had insurance refunded by this company.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[I have received a document stating that you have received a claim for a disability claim.  This claim was filed for November for my surgery November in 2013.  In which you just informed my in February 2014 in which you denied after you requested hundreds of pages of documents from the hospital, tax returns and W2 in which you received.  Next you informed me my claim was denied due to pre existing conditions in which #1 when I took out my insurance,my rep never mentioned mattered.  #2 I was up front in communicating with my rep the reason I was getting disability insurance was I had a *** ****.  At thus time I had no employees, only myself and was told to have disability insurance my business had to have 3 employees enrolled in a plan so if I took out a policy on my daughter, husband and myself of even if my daughter and husband weren't on the payroll, I could then get disability.  So since the rep said it was okay, that is what we did.  I was miss led to believe I had disability insurance. I had surgery. Was laid up for 10 week and received NOTHING from you!!  .]

Regards,

***** *****


 

 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

T. Austin

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I received another letter from you, once again the letter states that I filed a disability claim on my wrist which I NEVER DID, but then goes into my ****. ONCE AND FOR ALL, I NEVER FILED A CLAIM ON DISABILITY ON MY WRIST, it has always been on my ****.  Let's get a few things straight here. When I met for the very first time to discuss taking out disability insurance, the rep I met with stated that a business had to have 3 employees take out some policies and it had to come out of payroll. I told her at this time I didn't have 3 employees, I only had myself.  She had if I could take out a policy on my husband and my daughter even though they didn't work for me and then I could get disability. I told her upfront I had **** issues and never ONCE did she ever mention the word PRE EXISTING CONDITIONS. SHE WAS MORE THEN HAPPY TO WRITE ME OUT THE POLICY.  The surgery on my **** came up, I never planned it, I never new that the ********* I had put in 3 years ago had slipped so I had it fixed, thinking I had disability insurance, I went for it.  Now I found out I never had it and I continue to get letter after letter indication I had surgery on my wrist!  I submitted my documentation on my ****, I sumitted my financials, W-2 and know you will never pay me. I was mislead all along by my rep and your company which was all to happy to accept my premiums. Your company rep took advantage of me was dishonest and how you won't pay.]

Regards,

***** *****


 

 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department for further review.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On January 27th, 2014 I was told I needed **** *urgery. I faxed my Aflac forms on January 30th. My claim was accepted and was told that a disability check was issued on Feb 10th. I spoke to Aflac Customer Service on Feb 20th because I still had not received my check. I was told that my check probably had not been sent out until Feb 12 due to the storm that Georgia had. I called my rep and she stated that the check had not been cashed and to "be patient and give it a little more time". I was told that the check could be cancelled and another could be overnighted (at my expense). On Feb 25th and asked that the check be cancelled and overnight a new check be issued. I was told that a new check could not be issued until 15 business days had passed since the day of mailing of the original check. This meant that I could not cancel the check until March 3rd. Today is March 4th and I cancelled the check. I was told they could not overnight a check to me because I did not have a FedEx or UPS account.I now have to wait another 3 to 5 business days for them to issue me a new check and 5-7 days for the Postal Service to deliver. I am now 2 mos behind on rent, car payments & utilities, borrowing money for food and cannot fill prescriptions I need due to my surgery. I was supposed to return a continued disability form (which comes with check) by march 15 in order to have uninterupted disability but that will not happen. I am on disability per my Dr. until May 1st but I may have to return to work before I am healed so I don't lose everything I have worked so hard for. If I reinjure my back before it's healed, Aflac will probably deny any claim because I went back to work against Dr's orders. I cannot believe that the BBB can give this a good rating. Bad excuses from a company is not a "resolved" issue as far as I am concerned. I will be cancelling my 5 Aflac policies when I return to work and have been spreading the word to not bother with aflac.

Desired Settlement: Have Aflace overnight me a check to my post office so I can pay for it there. They can surely offer a certified letter.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I cancelled my Hospital Confinement Indemnity Insurance. I received confirmation from Aflac that my policy was cancelled effective January 1, 2013. Aflac continued to take monthly deductions in the amount of $49.53 after my confirmed cancellation. I made several attempts to contact Aflac customer services to rectify the situation; however each time was told something different and transferred to multiple people. They reactivated my policy without authorization and I received a total of nine (9) unauthorized deductions from my payroll account totaling $445.77.

Desired Settlement: I am asking for my full refund in the amount of $445.77 and to discontinue any future unauthorized deductions.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I've had some issues with some things that I needed or should have been taken care of earlier so I have been having to communicate with my rep Mr. ****** ***** who works for Aflac and deals with the ****** *** Employees that are a part of the program. First of all his attitude is one of very little professionalism when it comes to dealing with customers, secondly he knowledge of the policies and how they are executed is one of very little knowledge since I have dealt with Aflac many years previously. I asked him to take care of an issue with signing me up for Hospitalization plan since that was not done as I requested earlier and he got a attitude and when I asked him who I needed to contact in the Benefits department to get him what he needed he had no knowledge of the person's name who is even over dealing with Aflac, yet he is suppose the rep for the ****** ****** Employees. I then asked him to assist me with a claim that I have submitted he was very disrespectful and I think that he needs to be dealt with because at this point I am truly questioning Aflac's selection of Representatives for their company. He has very POOR CUSTOMER SERVICES SKILLS and needs to be replaced with someone who knows their job.

Desired Settlement: Want another person to handle my situation without a attitude and get my current issues resolved as Mr. ****** ***** has no knowledge of what he is doing and his attitude STINKS. If he is replacing your company I may need to rethink my policies and look into someone or some other company to assist me.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was briefly, very briefly contracted with Aflac in Southern Florida. Due to some personal issues I was not able to pursue a career with them. I was only there a few weeks and then I moved away due to health issues. During the process I was not, I repeat that I was not told by the recruiter ********* ****** anything about a licensing fee. I was not aware of any fees for licensing with Aflac and I wasn't aware it was a ludicrous amount of $60. I have been told since then by ********* ****** that the fee is a Florida licensing fee. However it's nothing to do with the state because other insurers that deal in Florida don't charge a fee or they charge a much lower fee. Regardless, she never made me aware of such an outrageous fee to join the company. Now, I am receiving a collections letter from their collections department for the amount of $60. There is absolutely no explanation of what the charge is for, just what it might be for with several options. I have called and left three (3) messages up to this point with the number provided on the letter. I have asked to have the charge explained however no one is taking the time to return the calls or messages that I have left. I have a hard time paying a fee for unknown reasons. I am very upset that I have been handed this ridiculous fee and get no explanations at all as to the charges. I have to pay the fee to keep my license valid and not be in debt to anyone but I don't agree with it and I feel I should have the fee returned.

Desired Settlement: I have to pay the fee since I have to keep my license clear of any blemishes so that I can join another insurer. I was told nothing about the fee and I don't remember signing anything saying I agreed to pay it. I have asked for someone to call me back to explain it to me but they have yet to do so. I want the money refunded to me immediately.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and address.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In March of 2011, my husband slipped on some ice and broke his arm. I called Aflac and entered his social security number and was told no policy was found.In about August of 2013, I received a mass mailer from Aflac updating their privacy practices. I called Aflac and was again told we had no policy; we must have received it by accident. I disregarded it.In September of 2013, ******* fractured his knee. I called Aflac and was told ***** had no coverage. After chatting with the phone rep about receiving this mailer, she advised ***** did not have an individual policy, but his SS number WAS listed under a GROUP policy from Schneider National and that he DID have coverage at the time of BOTH accidents. I immediately asked for policy information, coverages, anything she could send me, and a claim form. She advised she would send everything right out. Because I had no policy information or instructions on how to file a claim, the woman gave me the number **********. About a week later, I called again because I hadn't received anything in the mail. I asked how far back I could go to make the 2011 claim. She advised they go back one year, but seeing as to how ***** had been covered for so long, and we didn't know we had this policy, they could over-ride the exclusion. She advised she would re-mail everything, and re-verified my address.I made a complaint with the State of MN, who fined you $700,000, but that doesn't help me get my money. Apparently, Aflac has a legal obligation to send me out renewal notices and policy information, especially after I had requested it so many times and to at least inform me of the status of my claims. I have been calling since November. I sent in all the paperwork. I was then told the policy had lapsed for non-payment. I sent the money 2 months ago. You received it but didn't re-start my policy to process this claim. Everytime I call, I get new information and am told try back in a week. No one ever calls me and I still have no idea what is covered.

Desired Settlement: I have no idea what is covered in my husband's policy, but he had time loss of work, surgery to install a ***** *** ** ****** in his arm, a bunch of physical therapy, hospital visits, a brace on his knee, crutches- some parts of this has GOT to be covered!!!! I would like to be paid for what we bought insurance from you for!! As an aside, when my husband left his employer due to being a ****** ********, no one called to ask if we would like to continue our coverage and pay for it ourselves.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response: Hello.  I have heard back from Aflac.  They want me to send them more money. She stated they cannot send me a certificate or any policy information until I do. I don't know if I want to send more money before I know if my husband's claims will be approved!  And because the doctor did not say my husband "accidentally" fell down and broke his arm, it may not be covered; because the doctor didn't use the word "accident".  I think now I have to bother the very busy doctor with an office visit and co-pay just to re-word his file. Seems like a lot of work for me, not knowing if it is even going to be covered. And how much it pays.

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

******** *******


 

 I received nothing from Aflac, but their customer service department DID pay

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac has refused to pay a claim that they admit is covered but have come up with nothing but excuses on paying this claim. I filed my hospital sickness Ryder claim with them in Nov of 2013 and was told by them a check was mailed Dec 2013 but that it was sent to wrong address now how can a company that can bill me and send me info all the time make this mistake human error once is excepted but three times is intentional and fraudulent.

Desired Settlement: I would like all claim moneys paid as well as all premiums paid for the year 2013 as a way of showing good faith and a mistake that was done intentional.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to review and corresond directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I enrolled in a health insurance plan with Aflac through my workplace back in the middle of November 2013. The plan took effect on Jan. 1st 2014 and as part of the agreement, the cost of the plan has been getting taking directly out of my paycheck each week. However, I still have yet to receive any documentation about the coverage included in my health insurance or any form of proof of insurance. I have called their office numerous times (usually just to get the voice-mail after one or 2 rings) and have been told three separate dates for when my information would be mailed to me, none of which have proven true at this point. Every time I do manage to talk to an actual person I get the same excuse of "The group of people that you enrolled with (aka fellow employees) was so big that it is taking longer then expected to process and mail out the information," followed by a "you should have it next week" response. The last time I got to talk to an actual person I got maybe a 5 min conversation at most before they tried to hang up on me. I was told that I have been covered since Jan. 1st and could call and start a claim if I needed to which led to my response of "that does not do me any good if something were to happen to me and I was incapacitated in a ER." As of today, 2/25/2010, I still have not gotten any documents and/or proof of insurance for my health insurance despite having been paying for it each week since Jan. 1st 2014 and having enrolled back in November of 2013. I have also gotten no real explanation as to why it is taking over 3 months after I enrolled to get this information other than the "your group was so big" excuse. I don't even have information on what is all covered by my health insurance. The horrible thing about this situation is that I am not the only one having these issues. My coworkers have been having the same exact problems I have had with getting their insurance information and dealing with Aflac's customer service.

Desired Settlement: All I request is to be given the documentation I need so that I know what my health insurance plan covers as well as the proof of insurance I would need in a emergency. I want the ability to actually use the service that I have been paying for since Jan. 1st 2014.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was sold policy # ******** by representative ***** ******* who works for Aflac in October 2014. ***** sold me the policy advising me that it was an accidental policy with a disability rider on the policy. I became ill and needed to file a disability claim on the policy 1/26/2014. At that time I was advised that the policy was only an accidentally policy and that I had been misinformed. *****/Aflac falsely advertised and sold me this policy and did not truthfully disclose what the policy really was. Since then I have left several messages and sent several emails to ***** and he has yet to respond. Which further shows his dishonesty as well as the company's dishonesty . I am severely behind in my monthly bills because if the lying and false advertisement of Aflac

Desired Settlement: I was depending on the policy to pay me my income while off work if I ever be me sick. At this time I have lost about $2,300 in income and $156 in monthly premiums which I would like all refunded to me. Totaling $2,456.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

 

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: While attending the University of Maryland, I was hired as a sales and marketing intern for AFLAC for approximately 4 months at the end of 2012. I have not been in contact with the company since my last day of employment in mid-December of 2012, and besides receiving a couple letters in the mail about how to be in the "Winner's Circle", I have not received other communications from AFLAC. On March 5, 2014, I received a bill from AFLAC in the mail stating that I have a debit balance of $839.59. I called in after hours on March 6, and was told to call back on March 7 to be connected with Agents Accounting. Around 4 PM on March 7, I was connected with Agents Accounting and spoke to a woman named *****, who told me I was charged an amount of $790.87 back on February 28, 2013 for the commission that I previously earned, and that my account has been gaining interest of a little over $4/month ever since. Why did it take over a year for me to receive any notification that I had a debit balance in my account, especially one gaining interest on a monthly basis? Also, taxes for the $790.87 I was compensated for were already filed with the IRS and the State of Maryland. How am I to obtain that money back?Moreover, prior to talking with *****, I had no knowledge that statements were made available online or that I had any sort of access to anything else related to my internship at AFLAC online. In addition, I was never made aware of any cancellations of policies from which I earned commission or that I had to pay back the amount I earned if the policyholder did not keep their policy for at least a year. I do recall signing a contract upon being offered the internship position at AFLAC. However, the specifications of that contract were only briefly summarized to me by my regional agent. I was never given a copy of that contract or told how to obtain a copy of it.

Desired Settlement: I am requesting that this matter regarding the total debit balance of $839.59 in my account be closed, which includes the interest accrued in my account over the past year.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to ******* ***.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 9*****7, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, review their course of action regarding this matter.  I will keep the BBB informed of any issues or unsatisfactory resolutions that may result from my communications with the business.  However, if an agreement can be met, I will notify the BBB.      

Regards,

******* ***


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: We receive approximately 2-3 sales people per month at our business location. We have no solicitation signs clearly marked at our front door but the sales people still come into our offices. We offer to take a message for the business owner but the sales people insist on a meeting or for us to schedule a meeting. I point out our no solicitation policy only to be told that they are not selling anything. I inform said salespeople that they are indeed selling services and ask them to leave the business. We still receive these sales drop ins even though we have repeatedly asked them not to drop by or call. At times the salespeople become combative or hostile in manner. We ask that Aflac remove us from each and every office database and we demand that these calls and drop ins cease immediately. This could be considered as acts of harassment if continued.

Desired Settlement: To not have any Aflac representative contact or come in to our offices again, ever.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint and have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to be addressed.

Thank you,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

*** ******


 

Unresolved

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up with aflac maybe about 1 and a 1/2 yrs ago or more . They quoted me a certain amount, each month . The rep. said :" we pay up front for how ever long your doctor says " NOT TRUE !!!!!!! I was originally supposed to be out from Dec. 13th -Feb.13th they paid me until Feb2nd and made me fill out a continue form. Even though they had a doctors form then said it would take 7-10 days to even look at it. I called headquarters no response, still havent gotten a check yet they said they mailed it out on the 14th, but on the phone they supposely already had mailed it before that. now I wont be back until March 17th I faxed the papers on the 14th they said it would take a 7-10 day turn around just to review the claim. This is so bad you have to call a hundred times either they cant find your paper or you didnt do something so they dont contact you they let it just sit there until you finally get back through . It is un fair we pay alot each week in order to have aflac they advertise 48hrs turn around that is completely un true they have great service when you sign up and maybe the first payment but I suggest you get your tweazers out because getting the money your promised it will be very stressful , hard and alot of work and phone calls I defently would not reccommend there service get everything in writing have all paper work you will have to stay on top of it and prepare to work hard even though your not suppose to worry with AFLAC.

Desired Settlement: Would just like the payments up to March 17th , now BEFORE I GO BACK TO WORK SO I CAN PAY MY BILLS ON TIME THAT WOULD BE GREAT AND TAKE THE STRESS OUT OF BEING OUT OF WORK !!!!!!!!!!!!!

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/7/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: customer service and problems with setting up payments for drafting

Desired Settlement: someone changed my draft dates without my permission, i would like the draft dates to be corrected so that they draft when i have them scheduled and not just whenever AFLAC decides to take the payments out.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/7/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I have aflac insurance. It pays $100.00 a day wile in the hospital stay. I was in from nov.18 to 26. Thats 8 days. Its been 2 months now. All the information was sent to aflac pertaining to hospital records of my stay. I need this money to pay my morgage. Can you please help me? My agent is giving me the run around.

Desired Settlement: I need my $800.00 that aflac owes me.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On January 6, 2014, as part of my ****** ****** treatment, I underwent a ********* ********** with reconstruction using ********. I have a cancer policy with Aflac which provides a $3,000 benefit for surgical prosthesis - which would be the ********. I filed a claim with Aflac on January 18th, providing them with my surgeons notes - which indicated my reconstruction involved ******** - as well as an invoice showing a charge from the surgeon for the implants. To date, Aflac refuses to pay the benefits Im entitled to from this policy. If you can assist me in getting this matter resolved, I would greatly appreciate it. If you need any other information, feel free to contact me.Thanks,******* ***************************###-###-####Policy No. ********

Desired Settlement: Pay the benefits that are due

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I'm submitting this complaint against Aflac. I just recently had a baby and prior to having her I filed a claim with Aflac. I have been off work since December 30th due to my job not being able to provide a stationary position like my doctor requested. After giving me the run around Aflac is denying my claim because my doctor did not indicate any complications with my pregnancy. My doctor wanted me stationary at my job because she did not want to risk my water breaking while I was driving which is 50% of my job. I called Aflac to see what else I can do and since I had my baby a week early I was told to re-file my claim. Aflac has been no help in any kind of way. Because of this I'm having to return to work earlier than I am suppose to so that I can get caught up on bills that have not been able to pay.

Desired Settlement: I pay Aflac monthly to help when it's needed but they have only given me the run around. It will be very helpful if Aflac pay for the time I have been before delivering my baby and I will be filing a claim for after my babies delivery.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department reveiw and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. In the event this complaint isn't resolved I will be contacting a lawyer. 

Regards,

******** *******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Short Term Disability PT******American Family Life Assurance Company of Columbus refusedto additional units for my pay increase since 2010. As per myagent.Hi *****, I have an update. Although the short term disability policy is, fullyportable and you can keep your policy regardless of job changes bycontinuing to pay the premium, Aflac will not add additional units to thispolicy because it is not on payroll deduction. I agree with you if you provideproof of income and that income is higher than Aflac should be able to addunits regardless of payroll deduction or direct pay. I am so sorry. LI have decided to escalate this to management and see if we can get adifferent answer.Fully PortableWhen you own Aflacs Personal Disability Income Protector,you may choose to keep your policy regardless of job changesby continuing to pay premiums.******** ******Aflac Associate AgentSU***Cell# ###-###-####Fax####-###-####----------------------------------------------------------------Its not the agents fault but its the companies fault.As per the booklet.Fully PortableWhen you own Aflacs Personal Disability Income Protector,you may choose to keep your policy regardless of job changes

Desired Settlement: To add additional units that is current with my pay.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department to review and correspond directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[STILL NO ONE FROM AFLAC HAS CONTACTED ME BY PHONE OR BY MAIL]

Regards,

***** ******


 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

3/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Myself and my fiance opened accidental policies on Dec 27th, 2013. On Sunday Dec 29th, 2013 Aflac withdrew $50.05 twice from our bank account for the first month payment. On Monday, Dec. 30, 2013 I called customer service to cancel the policies. On January 6, 2014 I faxed a cancellation letter and our bank statements showing the withdrawals to Aflac's billing department. On January 31, 2014 after several calls because we had not received a refund, I was advised that nobody generated it but that finally on January 31st, refund checks were sent. As of February 14, 2014 we still have not received the refunds.

Desired Settlement: I feel as though Aflac deliberately dragged their feet in the process and gave me the run around. If they took the refunds electronically in less than 72 hours and on the weekend, they can refund the money the same way. I am asking for the refund of amount of $100.05.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/3/2014 Billing/Collection Issues | Complaint Details Unavailable
3/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I work for ******** ********* ********* in *****. In Nov 2013 I selected Aflac in my insurance form, then in December I felt it was not needed so I called my company and was told by them just call Aflac after 1/1/2014 and they will cancell it. I called on 1/2/2014 and was told to fax a form to them cancelling my policy which I did on 1/4/2014 and on 1/11/2014. Since that time I called on 1/10,1/17,1/24 and 1/31 about why money was still being taken out of my pay check. Nobody can tell me anything and on 1/24 and 1/31 a manager was suppose to call me back but never did. Seeing what they have put me through with this I would HATE to have to use the insurance they have. I feel like I am being scammed by them and have written a letter to ******** ********* also telling them of the HORRIBLE way I have been treated.

Desired Settlement: Refunfd the money they have taken out of my check since 1/7/2014 and cancell by contract. I have all the faxes that I sent them with proof that it went through and they received it.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This company has has caused me about a 100 in fees from my bank. I called them 12-2-14 to cancel my policy because I had no money in the checking account that was on automatic withdrawal. Customer service assured me it wouldn't be a problem but said I needed to fill out a form. They emailed me the form and I immediately filled it out and put it in the mail. The withdrawal was not cancelled, I tried emailing the customer service representative but did not receive a response. Long story short I was charged again in January tried again to contact the customer service rep, no response. Finally got a hold of someone by phone who claims they never got my paperwork. (Had to re-send it) she claims she cant process my request in time to stop February's payment so my only option is to have my bank do a stop payment (the stop payment was $31) So now I have two $79 dollar charges on my line of credit plus two $30 overdraft fines, plus interest charges, plus the stop payment fee. I've yet to see any sort of reimbursement from AFLAC, they made it clear they will not reimburse the fees I've incurred. I'm extremely disappointed with how they are handling this. Their customer service has been unacceptable. All I want is to be reimbursed for the money I've lost so I can pay off all the charges on my credit. Product_Or_Service: Hospital & Accident Insurrant

Desired Settlement: DesiredSettlementID: Refund Refund of $250 as soon as possible before I get hit with more interest charges.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a hospitol indemenity plan from Aflac as a supplemental insurance and was denied for payment. I stayed in the hospitol 7 days.The first denial was because I did not have the right paperwork so I sent in the right paperwork which was an itemized bill.In the meantime none of the represenatives sent paperwork or told me on the phone that I was not going to get the benefits because I had a pre-existing condition. I continued to pay the insurance and still no one called me to say that I was denied for the second time until I called.When I enrolled into the insurance plan, the represenative never said that there were no pre-existing conditions even though I told her my situation concerning a hip injury prior to enrollment. I asked her about still receiving payment if I needed to stay in the hospitol and the reply was that I would.When purchasing the insurance I thought it was advertised as a supplemental insurance that pays if something should happen. In filing out the paperwork for the doctors visit I was asked about any incidents that may have caused the problem I was now having and I put down a fall in the year 2008. When sending in the paperwork for Aflac, all of my previous paperwork was sent to Aflac for proof that I had the surgery.Because of me telling my story and giving a date this is why I was denied.The surgery was done in 2013 and 6 years ago I fell.These are my complaints below:1.I feel that I was not fully informed when getting the insurance. If I had been told there were no pre-existing conditions after telling the representative about my hip I would have known not to purchase the insurance.2.I had the surgery on November,19,2013 for a *** ***********. I sent them the paperwork 2 weeks later and got the denial 3 weeks later. I called and was told I need an itemized bill which I sent that in. 2 weeks later I called and asked about the status of my claim and was then told I was denied again, "no pre-existing".Thank You****** *****

Desired Settlement: I feel I was not fully informed about supplemental insurance before enrollment and that the represenatives need to fully inform applicants before registration about the coverage and what is not covered if you purchase the insurance and to make it obvious whether its in presentation or enrollment so that potential customers are aware.I would like be refunded for the premiums that I paid in to the plan.Aflac should have informed me so that I would not keep paying them for nothing.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I faxed my claim forms to Aflac on January 20th 2014. On January 27th 2014 my claim was processed. January 31 I call Aflac to inquire about my claim check. I was told It was sent out that day due to bad weather. I called aflac February 3rd 2014 again to inquire about my check. they, transfered my call to the claims department. I was told the check was sent out on the 30th do to the weather again. Two different dates they gave me. As of today february 6th 2014 I have yet to receive my check. Yet on January 22nd Aflac sent me my bill. I received this on the 23rd of January! Really!!!!!!!!!!!

Desired Settlement: What can the BBB help me with?

Business Response:

Good afternoon,

We have received this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2014 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: Was lied to by the sales representative from your company. When I signed up for your service your representative had me sign a contract stating wages would be withheld and all that good stuff. Then told me the date that I signed said piece of paper (October 2013) I would have coverage. When I submitted my claim they denied it stating that my coverage did not begin until February 1, 2014. When I contacted your sales representative as to inquire why my claims were denied he advised me that by the end of the week everything would be sorted out and not to worry about it. Needless to say it was not sorted out. I'm extremely frustrated at being lied to. If he would of been up front and honest I wouldn't be feeling so violated now.

Desired Settlement: Would like my claims processed as promised by your sales representative.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Aflac supplemental insurance on June 18th, 2013. I signed up for the Accident policy at $2.81/per week and the Cancer policy at $6.05/per week. I was told that this would be taken out of my ***** credit union bank account weekly. After a few months I realized that the charge was being taken out once a month for $38.83. This was not what I was told in the beginning and I decided that I no longer wished to have these policies with Aflac. So mid October I called Aflac and they informed me that I had to fill out a form to cancel the policies so they proceeded to email me a form to cancel. I filled out the form and faxed it to them. At the beginning of November they charged me for these policies once again I called and informed them of this and I was told I cancel only one of the policies. This is incorrect because I cancel both the accident and cancer boxes in the cancelation form. So I filled out another cancelation form and sent it to them on Novemeber 11th, 2013. I followed up on Novemeber 21st and was told that the payments would stop. I was then charged again on December 3rd, 2013 in the full amount of $38.83. I once again called on the 5th and 6th of December about the policies being canceled. Again I was insured that the deductions would stop. Another deduction was taken on December 30th, 2013 for $12.61. Again I called Aflac on December 31st, 2013 and told them that I canceled my policy well over 2 months ago and that the deductions needed to stop immediately. I was told that it can take up to 2 full billing cycles to cancel a policy. So then I was told I could expect a refund check in 3 weeks maximum. I still have not received a refund check on January 30th, 2014. I called Aflac on January 30th 2014 and asked when I was going to be refunded my 2 and half months of overpayment I was told an ajustment was made on December 17th, 2013 and I should get a check in 2 more weeks.

Desired Settlement: I want a refund of $109.68 for the over payment of service for half of the month of October, the entire month of November, the entire month of December, and the partial payment at the end of December. I feel that this solution is fair.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded this complaint to the appropriate department to review and correspond directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

I have dealt with Aflac several different times regarding this matter and I always get pushed to someone else or told my check is in the mail and on its way. I would rather resolve this matter by Aflac issuing me the refund that is owed to me and that is the resolution I will accept. 

Regards,

***** **********


 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** **********


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I bought this insurance with the guarantee of short term disability if needed. I hurt myself 12/16/13. It required I go to the hospital. My doctor recommended that I not return to work until 1/18/14. My disability claim has not been paid. The company claims the auditor must verify a few things however the auditor is never available my doctor can never contact the auditor. It's been months. I pay my policy I expect delivery. I can't ever talk to the auditor. The company representatives claim auditor hours are from 8:00am till 4:00pm. Yet when I call during these hours they are never available.

Desired Settlement: I would like my disability payment. I would like the auditor who's first name is ****** to be available to call the doctor when the doctors office is open or be available when he calls you because it's been a few months.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

********* ******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/20/2014 Problems with Product/Service
2/19/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In September 2012, an AFLAC Representative visited my place of employment to offer products. I met with him and had an interest in the policies, however; I was concerned that I would not be able to afford the premium(s). I was ensured that if I was willing to sign the paperwork that day, that I had (30) days to cancel. I was coerced to sign the papers because there would be "no problems" if I decided to cancel. WIthin (7) days I cancelled the policy (October 2, 2012) by telephone with the local agent, by e-mail to AFLAC headquarters (just to make sure) and was told that I had to follow up in writing to AFLAC headquarters which I did. So, I cancelled (7) days later by phone, e-mail, and written letter. The policy effective date was 11/01/2012. I received documents from AFLAC indicating the cancellation. I watched my payroll deductions for (3) months to make sure that the premiums were not being deducted from my payroll. In November 2013, in checking my pay stub, I saw that AFLAC had deducted over $43 per pay period since 01/04/2013. Immediately, I prepared a certified letter with the backup documentation (including a letter from the Local AFLAC Agent who indicates that he cancelled my policies upon receipt of my phone call) requesting immediate cessation of future payroll funds for a policy that I had cancelled prior to it's effective date and reimbursement of all funds they have received for a policy that was never effective. To date, I have received two notices indicationg my policy was cancelled January 1, 2014 and November 1, 2013. Neither is correct. Regarding a reimbursement, a check was issued to me by AFLAC for $111.00. They have errantly received over $1100.00 from my paycheck for a policy that was never in place. Each time I call, I hear a different story about them reviewing my case. This is HORRIBLE. Clearly the attempt is to frustrate me past the point I will not continue to ask for my refund. I will seek Legal Representation to receive a full refund. Please help.

Desired Settlement: Full Refund for money collected from my pay check for AFLAC funds. I have never had an active policy with AFLAC. I cancelled any policies prior to their effective date. This was an error on AFLAC's part - not mine. I have cleary asked for this and AFLAC continues to avoid their responsibility. The last AFLAC Service Rep. (******) said that if I did not have an active policy, then AFLAC never received the money but my Employer has the money. This is NOT true.

Consumer Response:

 
 

Please add the following information to my complaint and there is a matter that I need to clarify.  The deductions started on 11/09/2012 and ran through 01/03/2013.  A total of $1368.60 was deducted from my paycheck for AFLAC. 

 

Thank you.

*********

 

 

********* ** *********, 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: An insurance company that refuses to uphold it's responsible portion of payments to the insured client. The company finds ways to make it as difficult as possible to release the appropriate settlement agreement of full coverage related to illness or injury to a loved one, even in the event of loss of life. I'm a seven year customer of Aflac, who recently lost her son due to a covered illness. Aflac knew he was an adult when they covered him and having full knowledge of the medical laws, insist on having records that only the deceased has the authority to release. I paid the premiums for his coverage while he lived, now that he's gone I have no authority over his matters anymore. Aflac knew this before hand, but made no stipulation about any of the current request their now making. I'm battling a giant who believes any form of treatment to the little guy is acceptable, I do not accept it. I would've expected for Aflac to be more considerate than this.

Desired Settlement: To honor it responsibility by paying for the insured amount of coverage with dignity and respect towards it's customers without crafty ways of avoiding payment! Thank You

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In September I tried to contact someone about the fact I would be changing jobs in the beginning of October and I wanted to continue payroll deduction for my policy. I reached a Ms. ******** who said she would get back with me and that never happened. After a week or so I expected I would just get a letter in the mail since a premium payment had been missed, that never happened either. In October I called again, was transferred to several different representatives until I got one who advised me that I would be sent the necessary paperwork to complete, as nothing could be done over the phone. As of the middle of October, I still had received nothing. I saw that they did deduct my payments for both September and October as usual, so I wasn't too concerned. On November 12, 2013 I still had heard nothing, so I emailed Ms. ******** back explaining I want payroll deduction nothing else. She never got back with me and on December 3rd I called and was told it was $99.32 I owed and everything would be good. I was emailed the forms, which I have in front of me, but with the holidays in full force I lost track of everything. I then called on Jan 3rd and the amount had doubled to $198.64, and they refused to take any lesser amount to even catch me up to date, even after I explained that previously my premiums had been due in the middle of the month, not the beginning. My premiums are $49.66 due on the first. So I should owe $148.98 until Feb 1st. Nobody with Aflac will assist me nor will they respond to me, and I have had this policy for several years.

Desired Settlement: I want Aflac to make contact with me, and complete a phone call giving me satisfactory explanations of my policy provisions and options. I do not want to be transferred and disconnected with promises of forms and documents or phone calls to come that never arrive. I want to discuss the option of surrendering my policy that has lapsed due to their failure to complete a payroll deduction or accept a reasonable payment that did not require an extra month. I want quality custimer service.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

 
 
 
Subject: Complaint #*******
To: "************************* *************************>


Good afternoon,

I submitted a complaint which was assigned the above complaint number on January 6, 2014.  On January 13, 2014 Aflac responded to your inquiry by advising that due to privacy regulations, they would reach out to me to settle this dispute.  They have not made any attempts to contact me, and every attempt I have made has been futile.  An email I received from you on January 27, 2014 indicated that by your account this matter has been resolved.  Their lack of contact is what inspired the complaint in the first place, and at this point I have paid $3,029.26 into a policy that they will not grant me access to or respond to me about.  As my original complaint was shrugged off, I am not sure what steps to take.  Your website indicates that mediation is available, but I am unsure as to how to seek this or any other resolution without again being shrugged off by them once again.  Please advise me as to whether or not you are able to offer assistance in this matter.

 

 

Sincerely,

*** ** ****

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/19/2014 Problems with Product/Service
2/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac overloads and requires so much paperwork from you that you eventually give up and don't complete the request. Aflac refuses to gather the information for you when you sign the information release form. Aflac is a direct cash reimbursement company and is a luxury , not a supplemental or primary insurance, therefore you should submit the claim and get a check in 7 - 10 days, as per advertised. As of now they are requiring diagnoses, date of service, certain approved facilities, outcomes, future appointments etc. Aflac is evaluating for payment like a primary insurance, again Aflac is operating outside of their scope of practice. I am a member since 1998 and up until 2009 never did not receive a check within 5 - 7 days. The representatives have shown amounts due, filed my paperwork and I still have not been paid. I pay over $ 2000.00 annually and am owed approximate $ 3000.00. Said I was paid $ 1450.00 in year 2011, still trying to find a record of that.

Desired Settlement: Aflac to modify their paperwork justification process and pay the desired claim. For example you break you arm and get $1000.00 then 2 years later you break your arm and you have been submitting again and again your claim for a year and have not got paid

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thank you,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 Number 1, I am not asking to divulge private or medical information, so the " companies policy to not give out policyholders information" is not applicable at this point.

 

Number 2, " company rep will contact the policy holder". Well it has been a week and even before the answer to BBB I could have been contacted. This is always the answer. As I stated " have had a rep come to my house and still could not get our entitled money" even after she filed.

I want the company to pull my records, get the information from the doctors and hospitals themselves as they have been permitted to do by my Release of Patient Information forms and send my benefits to me in 5 - 7 business days as promised. I will not accept: "wrong claim form". " injury not reported within 72 hours". " not an approved facility". "Need another diagnosis". " not a covered benefit". We have our policies and would not be filing if it was not covered, and some claims we have already done and been paid previously for. Remember I have been a member since 1998. Ask Aflac if they have record of the denied Heart Attack benefit denied a Los Angeles Fire Department "Captain" was denied approx 2008 - 2009 and the petition from the LAFD and other California Fire Department to cancel their policies. Eventually Aflac paid like it was a big publicity act. I will only represent myself at this point and if I cannot resolve this, then I alone will cancel my policy. That will be a measly $2044.00 per year loss for them, hardly anything for such a large Fortune 500 company. Thanks BBB for you attention, however I am exhausted just trying to get this resolved as a little person. As a Los Angeles City Fire Department Captain, I will not hesitate to spread the word of my dissatification of this Company, **** *******

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department to review and address.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 As of 2/3/14 I have received no resolve or attempt at resolve. Please post and make my complaint visual to the public. Mr. ****** as a spokesperson for AFLAC, your name on the signature line should mean more than a signature. Anyone can state" this matter has been referred to the proper person" . In my opinion that would be you, **** *******

Business Response:

Good morning,

We will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

**** *******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was recently taken off of work and placed on disability. I tried to file a claim with AFLAC on a policy that I've held for five years and my agent, ******* ******, denied my claim before even sending it to AFLAC, which is not her job. Ms. ****** has been working for my former employer for over 10 years. I feel that she is trying to protect them, a very large account, and not me, the consumer. I had to convince her to read the physicians statement and medical documentation that was attached to support my claim. After providing AFLAC with everything that they needed to know, I wasn't contacted for weeks. I finally went online and called to follow-up and couldn't access my claim using my social or policy number. I called on December 5th and waited on hold for over 10 minutes to speak to someone and was told that they had just received my claim, that day, even though I submitted it to my agent on November 21. The next day my agent sent me an email and said that I would be sent a letter regarding my claim and further information needed. Well, they sent a letter to an address I hadn't lived at for nearly four years. All of my info was updated on Dec. 6th. The letter was sent out Dec. 9. I didn't find out about the letter until December 17. It was requesting the same docs that I already submitted and a 25 page medical report. I attached three pages (diagnosis) with my claim merely for additional support; it wasn't required. AFLAC made it required that they be sent the entire 25 page report. This made me extremely skeptical since I am being represented by a WC attorney and my agent is working with my former job, as well as me. On Dec 18th, I called to cancel my claim because I felt like it was being mishandled and sabotaged. I also feel like it was strange that I couldn't access my claim using any of my personal info via online or telephone. It was like the claim didn't exist. AFLAC was supposed to send my confirmation that my claim was cancelled, by mail, and I'm still waiting.

Desired Settlement: Although I called to cancel my claim, out of frustration, I would like for ALFAC to honor my claim, using the documentation that they were already provided. I have ALL of my email correspondence with my agent and copies of documentation. I honestly feel like my agent is discriminating and sabotaging me to protect my former job, which is a very large account for her.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I do not trust that AFLAC will resolve this matter based on how they have conducted business with me over the past couple of months. I have email and other correspondence that I don't mind faxing to the BBB to support my claim. 

Regards,

******* ****


 

 

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I placed a claim on Dec 19th 2013 and they missed placed the claim to Dec 26th 2013, so they did not contact to let me know about the waiting process. I called them from Dec 26th to today (10) times about this claim. They that claim usually take about 7 to 10 business days, but it has been longer than that. I contact them yesterday and they stated they couldn't have the date on the paper and they made corrections in their system, because the date was on the paperwork that I sent in 3 weeks ago. Now today they are saying the hold was they didn't know where the location was, but that also was on the paperwork that I sent in 3 weeks ago.I do not know what the holdup is today of the process claim that I sent in on Dec 19th 2013. It's about to be a whole month just to process the claim.

Desired Settlement: I am still waiting for payment for the anesthesia portion of the claim.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Went to file a claim with my rep ***** * ******** on 12-18-13 sent him all my stuff plus the forms he dropped off too me to fill out. He told me takes about a week maybe two to receive the check. Called him on the 26 he told me he was on vacation he can check on Monday the 30 and let me know. He also told me too call him on the 30 to remind him to check on the claim. Called him on Monday he said he has a meeting from 12-4 and will let me know after that. Did not hear anything call on wednesday said that the girl that handles that has the flu. I told him I have bills coming in and needed that check! So I call a friend that has a different Aflac person and asked them too check the claim; she told me there wasn't a claim for me. So I called him back an asked him why I didn't have a claim he said he can't find my paper work and the girl is out with the flu and he doesn't know we're to find my stuff. I told him again I needed that check and that I'm very ****** off with this service. Then he shows up with all my stuff 2 hours and said he just sent it out. So I decided too sent the stuff he gave me too my friends Aflac person which she told me they are going to deny it because I need a statement from the hospital and I need to get a signature from the doctor. ***** told me that I didn't need that because I signed a release form. Now it's 1-10-14 more than 3 weeks later! now have to get a appointment to get a doctors signature also takes a week for the hospital to send a statement too me. Very disappointed will not be keeping my Aflac policy now witch I pay $1600 a year for. Lies after lies ***** gave me!

Desired Settlement: That Aflac know how ***** ******** is representing there company and that he cost Aflac 1600 a year from me!

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had surgery on October 18, 2013. I submitted my first claim for short term disability one and a half weeks after my surgery, by mail. I contacted the company approximately two weeks later and they claimed that they hadn't received my claim. After receiving a new claim packet, via email, I completed and faxed back the claim. Two weeks later, I got a letter in the mail, stating that they my information was incomplete. Since then, I've been to my doctors office three times and have had them fax information to AFLAC twice, at my expense. To this point, all the can tell me is that my claim is being processed. They won't tell me what the exact status of my claim is or when orIf I can expect to see payment of my claim. They had no problem taking money for my premiums twice a month but they seem to be having a great deal of difficulty paying a claim. This is without a doubt the most unprofessional company I've ever dealt with.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I'd like the BBB to help get my claim paid. I've spent more money on gas, faxes and doctors fax fees than I should have had to.

Business Response:

Good morning,

We are in receipt of your BBB concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This agency consistently has renegged on it's own service policies. My daughter is covered along with myself. This agency has taken money for a policy it CONTINUOUSLY fails to deliver on. Their reasoning is that the benefits for the policy have been paid yet they have yet to pay anything for her wellness benefits.

Desired Settlement: This is not a refund but fullfillment of claims made on the policy. My daughter has had two physicals and two blood draws under this policy. Per policy those wellness claims are to be paid. This agency owes my family at least $200.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I HAVE BEEN PAYING FOR AN AFLAC POLICY TO 10 YEARS AND FOUND OUT TODAY THAT THE POLICY THAT I HAVE BEEN PAYING FOR IS OUTDATED. I WAS NEVER TOLD THIS BY THE COMPANY OR ITS AGENTS OR REPRESENTATIVES. I HAVE FILED A CLAIM AND NOT ONLY BEEN GIVEN THE RUN AROUND FOR 2 WEEKS BUT I AM TOLD THAT THEY WILL NOT COVER ANYTHING THAT THEIR PRODUCT OR POLICY ADVERTISES. I HAVE FILED NUMEROUS COMPLAINTS WITH THE OFFICE AND THEY HAVE BASICALLY REFUSSED TO HELP OR CORRECT THEIR NEGLIGENCE. I DO NOT FEEL THAT THIS IS RIGHT I HAVE BEEN PAYING THEIR COMPANY FOR NOTHING AND AM GETTING JUST THAT NOTHING. IT IS NOT FAULT OF MY OWN I HAVE NOT BEEN TOLD ANYTHING OR GIVEN ANY UPDATES. THIS COMPANY HAS FRAUDELENT CLAIMS ON THEIR ADVERTISING AND THEIR WEBSITE AND MISLED THEIR CUSTOMERS AND TAKE THEIR MONEY AND GIVE NOTHING BACK.

Desired Settlement: I WANT MY PREMIUMS TO BE REFUNDED BECAUSE I HAVE NOT BEEN GIVEN THE SERVICE OR POLICY THEY CLAIM TO HAVE AND THEY REFUSE TO CORRECT THIS.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

I do not accept this business response. The company AFLAC contacted me several times and claimed that they were working with me to resolve the matter and they were helping me. They have not done anything except give me the run around and pass me off to different individuals. They are not a respectable company they continue to scam and hurt peole and nothing is done. Each person that has called says they are speaking to someone else and going to help then a different person calls and says the same thing.  

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for aflac 8-13 policy effective 9-1-13. I have the hospital confinement. I had a fall on 8-27-13, went to dr 9-6-13 after effective date. Local agent provided me with wrong information that due to a accident the 30 hold period would not be held. I seen surgeon on 9-6, and she, ******* ******* provided me and the drs with the "proper" paperwork needed. Surgery was 9-26. Now that it is time to pay the claim they are stating that I wasn't effective till 10-1-13 Dont you think as a consumer, tax payer, I would WAIT till after 10-1 for services?? Not according to Aflac, I was covered. Now i get excuse after excuse that all paperwork is submitted, and will be expeditiously worked on, Nov 26, 2013 was told payment would be received in 4 days, minus the holiday that fell in there. Still nothing. Then told I didn't have this signed or this signed, when another agent stated on the phone that most my paperwork was submitted in triplicate??? yet not enough paperwork. Now I am told it was the wrong paperwork. I feel that they want to take your premium but when its a big claim they back track their way out of payment! Now they want to see if i want my premiums returned to me versus a possible denial. How is their errors lay on the consumer and dr doing everything that is asked of them?? I have already filed with the state of ** Dept of Insurance. Something must be done about this!!

Desired Settlement: I believe that after all the phone calls and false promises, and the fact that the agency is at fault for false information, and due to the dates....they should have to follow through and make the required payments. no wonder why they have lots of money. Hard earned money from the consumer that when it is a large claim they will do what it takes to not pay. I have heard every lie and excuse for months now. How should I the consumer be responsible for their errors???

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be reviewed and addressed directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******** ********


 

 There has been no resolution to any of this. I was reassured on Dec 27, 2013 that I could follow through with a 80 mile trip to my doctors office and complete this so called missing paperwork. They assured me that everything was faxed successfully, and indicated that due to my injury the 80 miles in -25 below weather would be horrible, but assured me once again. I get to town and to my dismay once again, the nurses and doctor had no idea what to do as there was never anything faxed. It was another wasted trip. I have made contact with the ** Insurance Commissioner, as I feel even the BBB is in the pocket of Aflac. I get told one thing and yet nothing ever happens. Therefore I am not pleased with any "outcome" as there is no outcome.

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/23/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had short term disability as well as accidental and sickness and and the policies were cancelled. However the premiums were still coming out of my payroll and at the same time the policy had been cancelled.I contacted the regional sales coordinator who told me a check had been mailed to me, unfortunately it was some unknown address and the premiums haven't been returned and I'm not covered. I was told that the money was in a third party back account but this is the same bank account that AFLAC had previously withdrew my premiums from.

Desired Settlement: I would like my policy reactivated versus requesting reinstatement.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.

I  made  contact  worth  the  business  prior  to  this  complaint  to  no  satisfaction I  would  like  my  policy  reactivated  as  the  cancellation  was  not  due  to  any  error  on  my  behalf.

Regards,

****** ******


 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/14/2014 Problems with Product/Service | Complaint Details Unavailable
1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I Purchased an Aflac policy in 2011 thru my job and I upgraded it on Jan 2013 to include disability and life insurance and I was assured that this was a good policy. The agent assured me that this was a good policy and when I needed it that it will be there. So I went out to have surgery on Nov 22, 2013 before I went out our local Aflac Reps were at the job and I asked again about the policy and I was told about the 14 day waiting period for the type of surgery that I was having. I was told that a check will be issued on the 15th day I filed all of the proper paperwork that I was told to file by the agent. I have been out of work since Nov 22 my claim was denied I was told that I have not been out long enough I asked why I was told that the doctor's office filled out the paperwork wrong. I had the doctor send the corrected paperwork a week ago I called to call center today to check the status of the claim and I was told that my paperwork can't be found. I am in danger of losing my car and my phone and electric will be shut off soon I have to take my daughter out of school because I can't afford to make a tuition payment. They don't have any problem taking money out of my paycheck thru payroll deduction but when it comes to paying you for any injury there is an issue. I have depleted my savings account just for gas and food. My coworker has been back at work for almost a year and she has just received 11 checks from Aflac 2 weeks ago that was due her when she was out. As of today I have been out of work for 34 days and no support from Aflac so the ducks lies

Desired Settlement: I want to hear from someone in management

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,
** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: ###-###-#### FOR THEIR OFFICE.., I RECEIVED AN AFLAC DENTAL INSURANCE ON 01/15/2012. AFLAC DENTAL POLICY # ********. VERY IMPORTANT INFORMATION WAS FAXED TO YOUR OFFICE ON 08/30/2012.., THE ABOVE IS FOR YOUR INFORMATION, DUE TO BANK BEING JP MORGAN IN SYRACUSE, NY. IT IS DUE TO THEY CANCELED MY ACCOUNT DUE TO THEIR JP MORGAN BANK IN SYRACUE NY WAS IN THE USDOJ LAWSUIT Click here: JPMorgan Chase Lawsuit: New York Attorney General's Suit Is First For Task ForON 08/30/2012, IT WAS FAXED TO THEIR OFFICE TO THE ATTENTION OF ****** ******.THIS IS THE DENTIST THEY HAVE NOT PAID DUE THEIR BANK BEING IN A FEDERAL GOVERMENT LAWSUIT.Dr. ******* ** ********, DDS **** ********* ************** ** ********) ******** (Office)###-###-#### (Fax)THIS IS SS ID FRAUD AND MEDICARE FRAUD.., THEY HAVE INCREASED THE BILL TO OVER $700.00 AND WILL NOT REPLY TO PHONE, EMAIL OR ANYTHING.

Desired Settlement: TO FOLLOW THEIR POLICY AND PAY OFF THE BILL AS THEY ARE REQUIRED.***** ** *****

Business Response:

Good afternoon,

We are in receipt of this BBB. Due to privacy regulations, we will have the appropriate review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: For weeks we have been battling with AFLAC, who continues to withdraw money from my deceased father's bank account for the cancer insurance he had, despite his death and cancelling his policy. They have even deducted premiums weeks after they confirmed that the policy had been cancelled. We have sent them death certificates, copies of the trust, bank statements, but to no avail. We have finally shut down the bank account so they can no longer take his money.AFLAC owes us $31 for the two months' premiums they deducted after his death, plus compensation for all of the grief they have caused while we try to deal with our own loss.

Desired Settlement: AFLAC owes us $31 for the two months' premiums they deducted after his death, plus compensation for all of the grief they have caused while we try to deal with our own loss. And a heartfelt apology would go a long way, as well.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: On July 25,2013 An sales Agent {Mr ****** *******} was allowed to enter Local Teamster local Union *** Located ********** **** to sale union members Short Term Disability Policy. The above agent only provide limited information such as what cost would be and claim member would receive A Discounted rate of 47%. At this time I ask very detail policy matter in ref to my own on-going health issue {***** **** ****** *** ***** *****} and ask this agent If this policy would cover my condtion he stated "YES" after the 30 days after policy start Date. On 10-1-1 my Short Term Disabity stated In Early November { After 30 Day Waiting Date} I was forced off-work by my company due to ***** *****. I filed an claim to Alfac and was denied bas on Refused under Sickness / Effective e date policy. I had an personal Attorney read the Short Term Disability It clear lack information not give to Agent and all complexing important matter such as Pre-Existing Conditions Limitations Under Defintitions under Sickness States " Disabilty will not be covered unless it begins more then 12 month After the Effective date of coverage" So in fact none personal Health matter would be pay or honoured until after 12 months. This Agent acted in Bad faith ,lied about when policy will go into affect . This Agent also engaged in Bad Business Practices by own info in which he false claim Union member will be discounted 47% which is false . I have also canceled this policy last week. I have also filed complaint to ******** ** ******** Life And Insurance Guaranty in regards above matter since this policy was written under ********* ***.

Desired Settlement: Full Refund Denied Claim per my Policy $2,300 month off work . The above agent should be reported to ALFAC HQRS due to nature of his sales this which in my opion is insurance fraud.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded this information to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My complaint is that AFLAC took my money for 11 1/2 months, provided me with horrible customer service, lied and was not a benefit after all. The complaint is sort of a story so, I will provide you with the problems as they occurred in bullets. My (******* **********-Policy Holder) wife was not included on one (1) of my four (4) policies with AFLAC.The representative for AFLAC with ***. Government (***** ******- can no longer be reached (only had email address) no longer working *************************) admitted to me that she forgot to include my wife on one of my four (4) policies with AFLAC and admitted in an email that she needed to contact headquarters and "take care of it". My (******* **********-Policy Holder) agent (**** *******l- ###-###-####; *********************************) was never reachable and his staff promised to fix this issue once in February 2013 and again October 2013 via telephone and never did. We (The ********** Family) were not able to file a number of claims using our Hospital Indemnity Policy, because ******** ********** was never added to the policy.We (The ********** Family) were only able to file 1 claim over one-year using our Accident Policy which was a pay out of approx. 300.00. That is the complaint. We are paying this company to provide us with a benefit in case of an accident, hospital confinement or specified event that occurs withing the time period of January 2013-January 2014 and we cannot use the benefit, in the way we need or want.

Desired Settlement: We (The ********** Family) paid AFLAC approx. 1,984.00 from January 2013 until today and we would like all of our money back. The only other settlement that we would accept is;A pay-out in the amount of 1,984.00 (or the full amount paid to AFLAC for all active policies during the effective period; whichever is highest) minus the amount of all claims paid out to us.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I carry AFLAC accident insurance through my employer. I was involved in an accident 8/22/2013. Since that time, I have filed my claims as they have requested; supplying information via mail and email attachments. I have spoken to them numerous times and have sent the details/documents they have requested. My claim has been delayed, denied and basically, ignored. This case was originally opened in August and I am still trying to obtain benefits from the submitted information. I feel the AFLAC representatives I have spoken to are not being honest about documents needed and each one has asked for more and more...yet, they are never consistent with their specific requests, therefore, after allowing the "time to process" and follow up phone calls, I am still in a quandary over what is truly needed and now they are denying what I feel, is a justifiable claim. I have also contacted the agent of record to no avail. This is a health claim, so I am sure they will declare confidentiality, however, they should have documentation of what was been requested, what was received and our conversations, if not, I can provide them. It should be noted they have paid SOME of my claim. (I do have my employer working on this claim as well, also with delays.)Thank you for any advise/suggestions...on how to pursue this.******* **********

Desired Settlement: They need to pay the claims as stated in our signed contract as to what they will pay for accident claims in a timely manner and what the contract state they will pay.

Business Response:

Good afternoon,

We are in receip of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* **********


 

I have read other AFLAC complaints and it appears this is a standard reply.  While the material, is, in general, sensitive, they have already involved other parties (i.e. broker and agent of record) and did not need to disclose or violate HIPA.  I would expect a different resolution ...

 

Business Response:

Good afternoon,

We are in receipt of these concerns. We have forwarded these concerns to the appropriate department to review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I do want to note that AFLAC has made a recent payments to my claim, however, it is still ongoing as there are still pending submissions "under review."

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

 

Thank you

Regards,

******* **********


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

12/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a policy with Aflac I have been trying to cancel for 5 months,fellow employees have been trying to cancel as well. Aflac has been deducting money from my checks every two weeks. The agent ******** ******* is bad news-she is running such a scam...avoiding peoples calls-you can never reach her and she dosnt return your calls. I have talked to many other people affiliated with aflac about my issues and some have said oh yes, I see your information on the screen and I will flag that account put cancel on that policy and you should have no more problems. Or I get someone who says this is not something I can cancel your employer has to do that.I go to the employer and they say that Aflac has to cancel that.******** sent me a form in the mail to cancel- I filled it out and sent it back via mail-she said she never recieved it. I filled another form out for Aflac to cancel and gave it to them- they still deduct money from my check.I have even contacted someone from Aflac corporate office who claims to be the special investigator-his name is **** *****-****************...ph.###-###-#### He said he would cancel it and give me a refund ,he didnt do anything. I recieved a check after talking to another person affiliated with aflac( I told him my next call would be to the BBB.) The check was in the amount of 33.28 (One months premiums) They said they didnt have proof of anything else.The Balance - They owe me for 4 months worth of deductions equals to 133.12 Proof? I am sure if you investigated my phone bill you might find aflac numbers dated back 5 months.I work for the *** ****** store...There are other employees located at the ******** store that are trying to cancel their policies..She needs to be stopped..Money needs to be refunded....Thanks ****** *** DesiredSettlementID: Refund Product_Or_Service: accident insurance

Desired Settlement: That she be stopped from scamming anyone anymore and that I recieve my 133.12 that is owed me and that my fellow employees also recieve their refunds in ********, **. Also a letter of apology be written by her that whatever hardships and stress I have encountered due to her actions that she sincerely apologize for.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased both a short-term disability and hospital indemnity policy from Aflac. On August 21, 2013 I fell, injuring my ***. Unfortunately, the injury was somewhat complex and I was seen by five different ************. To add insult to injury, Aflac has been avoiding making payments to me, stating that the paperwork that they needed was not filled out adequately. Even though I have been out of work since 8/21/2013, to date, Aflac has only paid me through 10/7/2013 and this was only recently and after much effort. Despite speaking (Aflac representatives phoned more than one of my physicians) to the medical staff and having more than ample documentation proving my injury and that I need extensive surgery to repair my ***, Aflac continues to refuse to pay me per my policy. I have been in regular contact with my local representative, but I keep getting excuses such as "paperwork is backed up because of the holiday" and "the paperwork may not be adequate", even though the other insurance company I have, ****, approved my claim weeks ago through my scheduled surgery date of 1/13/14. Additionally, the documentation that Aflac is saying is "inadequate" is almost identical in content to that sent to ****. I understand Aflac's need to ensure an actual injury, but I have more than proven a legitimate injury and need to be compensated immediately per my policy.

Desired Settlement: I wish to be paid per my two policies in an expedient manner.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded this information to the appropriate department for further research and will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/23/2013 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: AFLAC BBB COMPLAINTI was enticed to join AFLACs supplemental insurance group policy through a presentation I was required to attend at my work place in ********** ***** ******* ****. In that presentation we were told of all of the benefits offered by signing up for this wonderful opportunity to have money paid directly to you in your time of need when you need it most.My experience in trying to obtain what was promised in that presentation, in their on-line information, their endless television ads and the promotional and benefit packages I have reviewed is a far, far cry from what I have experienced with them since my accident in May of 2013.I have had to send countless e-mails and file numerous second, third, fourth and even fifth claims to obtain what their information clearly outlines as my being entitled to in the form of reimbursements for my accident expenses which in total amounted to over $20,000 and I still have lingering effects of it.Their benefit information packet states that hospital confinement will be covered for $200 per day for up to 365 days per covered accident per covered person. My hospital bill and my physicians statement both clearly show that I was hospitalized for four days May 21, 22, 23 and the 24th. AFLAC has denied my claim for the fourth day for no explainable reason. I was not dismissed from the hospital until around 7:00 p.m. on Friday, May 24th. How can that claim for a fourth day continue to be denied? I am at a total loss and have had no reasonable explanation from AFLAC on my $200 payment for it.Secondly, their same packet and in their presentation at my work place, they promised $200 per year per covered person for major diagnostic exams such as an EKG. While hospitalized, my physicians saw it necessary for me to undergo such a diagnostic exam yet AFLAC refuses to reimburse me for that item as well and again for no explainable reason and in total opposition to what we were told when we were being recruited to join their plan and in their benefit packets.Finally, again in their presentation and in their benefit packets, policyholders are entitled to a $60 wellness benefit once per 12 month period after the policy has been in force for 12 months for items such as dental examinations. I filed for that benefit several weeks ago and have never been compensated as outlined in both their presentation and their benefit packages.I am at my wits end and am turning to both the BBB as well as the **** Attorney General to see if they can have more success than I have had in making AFLAC honor their promises and pay these rightly deserved benefits as they outlined in both their presentations and their information packages. They are guilty of either misrepresenting their products and benefits or stonewalling me in order to not have to pay what I am undoubtedly entitled to receive, if not both.I want my deserved benefits as outlined above in the amount of $460 paid to me and in a timely manner and not require me to appeal four or five more times.

Desired Settlement: I want my deserved benefits as outlined above in the amount of $460 paid to me and in a timely manner and not require me to appeal four or five more times.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department for further review and we will correspond directly with the insured.

Thank you,

** ******

Consumer Response: From: Jim Warren ********************
To: **** *************************
Sent: Sun, Oct 13, 2013 7:42 pm
Subject: FOLLOW UP ON COMPLAINT AGAINST AFLAC - BBB # *******

Attached is my response to AFLAC's reply concerning the aforementioned BBB complaint I filed with you earlier - I want it on the record at I am totally unsatisfied with their reply and their complete lack of concern for my plight.

I would not allow AFLAC to insure my pets!

They are uncaring and unprofessional even to the point of sending out unsigned letters as well as placing line codes on checks when they deny coverages and then blaming individuals for not being able to properly interpret their meanings.

Unreal!




BBB COMPLAINT CASE # ******* – AFLAC

MISREPRESENTATION OF SERVICES AND FAILURE TO HONOR THEIR OWN POLICIES

AFLAC LETTERS DATED OCTOBER 8, 2013

CLAIM #:  ********* – COVERAGE ID#  **********

 

I once again received two unsigned letters from unidentified individuals (I guess) identifying themselves as only the Appeal Department, with which I and my fellow employees have become very familiar with as they continually stonewall every avenue to be compensated for the damages suffered in my accident as outlined in both their presentations at my place of employment as well as what was outlined in the handouts and pamphlets distributed at that time and again from our local representative.

 

I shall address their inadequate responses item by item and want them and the BBB to acknowledge that there is absolutely no offer of a possible agreement or even to a “meeting of the minds” let alone an adequate offer to settle this dispute.  I shall continue to fight for my rights as presented in their at work presentations as well as in those documents they presented at that time. When one receives an unsigned letter there is really no way to adequately address their concerns to the proper individual or the “decision maker” as his been the case in my experience with AFLAC from the first day of submitting my claim.  It has been nothing but denials and stonewalling and resubmitting forms that were already in their possession.

 

Also in survey of my fellow employees after having received the second of AFLAC’s inadequate replies, I found that up to 80% of them have encountered the same stonewalling techniques that I have encountered in my experience with AFLAC.  We are planning to approach our employer about finding an alternative insurer for our supplemental insurance coverage in the near future as a result of our complete frustration and AFLAC’s stonewalling of our legitimate claims.

 

ITEM 1:  EKG BENEFIT

 

Their letter states:  “We provided the maximum Medical Fees benefit of $125.00.  There is no separate benefit for an EKG.” (which is now defined or called an EEG)

 

What we were told in their presentation and what is stated in their “Accident Indemnity Advantage” pamphlet provided to me:  MAJOR DIAGNOSTIC EXAMS section: $150 - “Payable when a covered Person requires on of the following exams for injuries sustained in a covered accident and a charge is incurred:  . . . . electroencephalogrpahy (EEG).  No lifetime maximum.

My hospital bill as well as my physician’s statement clearly indicate that this test was required as a result of my accident and clearly show those charges yet AFLAC continues to stonewall my reimbursement payment for it.

 

ITEM 2:  PAYING FOR MY HOSPITAL STAY OF FOUR DAYS

Their letter states:  “On the 9/16/13 EOB (whatever that is) we asked for an itemized hospital bill showing dates for actual room charges.  We would be able to pay an additional Hospital Confinement benefit if you were charged for 4 days, however, without an itemized bill we are unable to provide an additional day of hospital confinement.”

 

As for an EOB? – is that their lines of code on checks that are so small you need a magnifying glass to read them?  As for “itemized bills” nowhere in their sales pitch or in their pamphlets are requiring “itemized bills” stated or listed.  Their pamphlet states:  ACCIDENT HOSPITAL CONFINEMENT - $200 per day up to 365 days per covered accident per Covered Person – “Payable when a covered person is admitted for a Hospital Confinement of at least 18 hours for treatment of injuries sustained in a covered accident.”

 

My hospital bill and my physician’s statement clearly show that I was admitted to the hospital on May 21 and continued to remain there on the 22nd, 23rd and the 24th.  If “itemized bills” are required for such reimbursement, why are such issues buried in the fine print of their documents and not covered in their presentations when we were promised the “AFLAC” family of protections?

 

ITEM THREE: Payment of Wellness Benefit – now their claim again is that I never submitted the required claim!  Not only did I submit such a form for a second time, I attached in my e-mail to my local representative but “we have no record of receiving a Wellness Claim”, how convenient!

 

I am very upset by these form letters, no contact information by name and the continued stonewalling presented by AFLAC who continues to disappoint me with both their attitude doubting my following of their required protocol but also their lack of concern for my continued struggles with overcoming my accident.  I will do everything within my power to make certain that my employer as well as our several hundred employees know exactly how shabbily I and my fellow employees have been treated by AFLAC – shameful!

 

***** ** ******

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/23/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In April of 2013 I purchased Aflac short term disability which I was told covered on the job injuries. On September 12 of 2013 I was deemed disabled by doctors after I had surgery. I filed forms with Aflac and was paid for the disability. I filed another claim on November 22, 2013 and now they tell me that it does not cover on the job injuries. I have already received 2 checks that now they tell me I need to pay back. Before I sent in the initial claim I called and was told that it did cover on the job. Now that I have been terminated from my job because I cannot do the job do to the injury all of a sudden now I am not covered. Product_Or_Service: Short term disability

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like my benefits to continue

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/23/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Over the course of the past five years or so, I have periodically received emails from different people at Aflac in an effort to recruit me to their sales team. Each time I have respectfully requested to be taken off their email list as I am not interested in working with Aflac. Back on September 4th of this year, I got another such email from a ****** ***** at Aflac, attempting to recruit me again to the sales team, to which I gave the same reply, requesting to be taken off Aflac's email list. On September 5th of this year, I received confirmation from ****** that I would be taken off Aflac's email list. On September 13th of this year, I got another email from ****** *****, again trying to recruit me after confirming less than ten days prior that I would be taken off Aflac's email list. I again, more firmly this time, requested to be taken off Aflac's email list. This time, I didn't get any type of response at all (not even confirmation that I would again be taken off the list). To my dismay, I received another email from ****** ***** on November 1st of this year, again, trying to recruit me. I am considering this harassment and need help getting Aflact to simply stop contacting me.

Desired Settlement: I simply want to be finally taken off Aflac's recruiting list permanently. I want to stop Aflac from contacting me.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department for review and will respond directly to the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

********* ******


 

 Basically, the response I got from Aflac is that they will take me off their list but they can't guarantee that I will stay off their list. At this point, I am not okay with  continued harassment regardless of their excuse as to why they tell me they "don't have to" follow my request to be taken off the email and phone list.

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department for further review.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/12/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Around June/July an AFLAC represenative came to a company training and provided me with insurance information. I DID NOT agree to a policy because I needed to speak with my husband. I was still supposed to sign indicating that i received the information, and MY information was supposed to be put on hold until further notice. Due to personal reasons I was unable to get back to the represenative. All of a sudden I was getting the premium taken out of my paychecks. Eventually I was able to get this deduction stopped but by then, around $85 had already been taken out. That is about 4 paychecks. The represenative did not return my phone calls in a timely manner so I contacted customer service. I was told the I would receive a check in 2-3 weeks. About a month passed and i got nothing so I again called customer service. I also called the represenative but never heard from her. This time i received a letter asking to put something in writing indicating that I wish to terminate the policy.I did this and faxed the paper in. Again I was told 2-3 weeks and I would get my check. As of 11/12/13 i have not received my check and it has again been about a month. This time i received a letter saying that their records indicate that i do not get reimbursed. I called customer service and this time i was told that i needed to put in writing that i never wanted the policy. I was NEVER told to do this before. EVERY time i have called them since this whole problem started i have said that i NEVER wanted the policy and was NEVER told to put it into writing. It has been MONTHS and i have just been led in circles.

Desired Settlement: All that I have been asking for since the beginning is to get my money back. It is around $85 or so. What they took from me is what I want back.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, the appropriate department will review and correspond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/12/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Premiums have been taken out for 2 years with the exception of 3 months out of work. Never received a letter of cancellation, too much going to think about it. However when returning to work, installments were once again taken out of paycheck in Katter part of 2012. In September 2013 tried to file a wellness benefit and was denied. Was told "Union moved accounts around and have not informed us." Two months later called back. Now we are being told that our coverage was cancelled in March 2013(?). If so, why weren't we informed and why has our monies still being taken out of our paycheck? Why do I have to find out in November 2013 when filing again for a benefit claim that we have been cancelled and why are you still taking our money and not honoring our claim/policy. I just don't know why you treat people like this.

Desired Settlement: A better system worked out. You say you notified the ******** plant. Why didn't you notify us? You have all our information- It is just wrong to treat people like this. What if something was seriously wrong? What kind of compensation is the blame game?

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, these concerns have been forwarded to the appropriate department for review and we will correspond directly with the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Aflac Accidental Policy through my company. I was injured on the job where I received a *********** I was sent to the doctors where I received *** ****, ******** ******* sessions, and other testing. I called the company to file my claim only to find out that my claim had been canceled for non payment. I checked my paystubs and every week money was being taken out for Aflac. My agent called me and stated that it was an error on their part and will work on fixing it. He kept telling me in a week it should be set. However it has been 4 weeks and still nothing has been done. I may soon take legal action.

Desired Settlement: I would like to be compensated that money that I am owed through the services that I was paying for.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have these concerns reviewed and addressed by the appropriate department.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC has been charging me a higher rate with expectations of providing for me a higher pay out for my short-term disability. This occurred originally in May 2013. We settled that instance and agreed that in the future I would be charged less on a bi-weekly basis, and would therefore receive the lesser pay out accordingly.However, I was never charged the lesser amount. I have even called AFLAC to remind them to begin charging me less. I was told that my account was flagged to be changed.NOW, in November 2013, I am still being charged the higher rate-as can be proven on my most recent pay stubs. However, I am out on ********* ******* and going in to ******* ** **** in less than 8 hours. AFLAC is again denying me the higher coverage even though they have continued to charge me the higher rate. When I spoke to an agent I was told that I would be refunded the overage that I was charged. I do not feel that that is fair or sufficient. What is to stop all insurance companies and otherwise from doing the same?

Desired Settlement: I feel that the comparable pay out for what I was paying into my Short Term disability plan is fair and reasonable.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am emailing regarding my short term disability policy with AFlac. I signed up for the policy in April of 2009. When I signed up for the policy I was a kindergarten teacher within the ********** **** School District making about $22,000. In August of 2012, I left ********** **** School District and took a fourth grade position at ****** ******* Schools making $43,000. When I left ********** **** School District (****) Aflac could no longer automatically take out my monthly dues, so I made arrangements to have it automatically debited from my bank acct. When I was an employee at **** it was an automatic payment from payroll, since ****** doesn't offer AFlac I made the arrangements for personal debits. (Just wanted to make sure that was clear) At that time I told them my salary change and they said it would be noted, paperwork would be sent out and my monthly payments would be adjusted accordingly. The company never did so. I attempted to call my representative several times, but never a return call. Finally, in July (July 11th to be exact) I called to receive maternity paperwork for my short term disability. I asked at that time for paperwork to be sent out again and for adjustments to my pay. Again, nothing - after several emails (I have them all) I was finally told that my rep was retired and given another name. I have met with him as well at my work place and he told me we could resolve it by prorating things. I would have to make the differential payments to have my compensation pay go up. He told me the figures and said he had to get approval from his regional manager. After three emails to him and no response from him now either I feel I have no other choice, but to turn to you for assistance. I have less than a month left and the company is taking their good old time to resolve issues and ignoring emails.

Desired Settlement: I would like to receive the compensation I'm supposed to receive based on my salary. I had no problems prorating things ... I do have a problem with lack of customer support and final results. I feel they're now responsible for the compensation. I'm doing all the leg work and they're doing nothing. This is a company that can track emails and phone calls, I've provided them with dates, emails, phone numbers, and emails, and have taken my time to meet with them and call them, but NO results.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

***** ******


 

 I have reviewed the response from Aflac stating that short-term disability recipients can not increase their coverage once they leave a place of employment that is not Aflac affiliated.  After initially calling Aflac in August of 2012, talking to several representatives over the course of the year, meeting with a regional manager during my plan time (since I'm a teacher), I do NOT know why it's taken until now (October 7th - the date of the letter) for Aflac to respond that they cannot do this.  If they couldn't have done this, wouldn't it have made sense to tell me, the customer (since 2009), that I could sign up for a different policy, a family policy, or something where I could increase my units based on my salary so that I would be properly reimbursed?  Since Aflac logs all of their conversations, I welcome that to be checked because it was never ever mentioned or offered.  In fact, the only thing that was offered was paper work to be sent home to increase the policy.  When I didn't receive that.  The regional manager, **** ******, offered to do back payments - in other words increase the amt. I would have to pay a month over the course of a year so that once I was on maternity leave I could receive the appropriate amt.  His figures were instead of the $26.40 I was paying it would go up an additional $30 / month.  This would be multiplied over the year I was employed at a non-affiliated Aflac agency.  I would therefore receive the appropriate rate of $1900 instead of $800.  Rich also told me he'd be back in contact with me after a week and that was at the beginning of September and he has yet to return a phone call or email.  

 

There are hundreds of thousands of people that work for non-affiliated Aflac agencies and choose to take out policies on their own with Aflac.  I do not understand why an agent would not have offered appropriate coverage when my salary doubled.  It's not like I only called once or just spoke to one person, there were a multitude of people spoken to throughout the course of a year.  You mean to tell me no one knew this information until I fought it?  I find that very difficult to believe.  I teach children on a daily basis to be accountable for their actions, yet in the "real world" / corporate world I suppose that doesn't have to happen.  

 

I am therefore still filling a complaint with Aflac to maintain their integrity and upgrade the policy as several representatives and regional managers said they were able to do.  The amount I should receive should be $1900 not $800 and at this point I feel I shouldn't have to make all the back payments since I'm doing all the leg work and they're changing rules as they deem necessary.  Everything is clearly outlined in my policy - never does it state that I can't upgrade if Governor ******* cuts the budget and I lose my teaching position in an Aflac affiliated school and I find an alternative teaching position within a charter school.  Not to mention, the fact that Aflac themselves did not seek out my current place of employment to be affiliated with Aflac.  It is the job of representatives within the area to seek out and set up appointments within local businesses / schools / etc... and get accounts.  I should not have to suffer because they did not do that.  Nor should my family be short changed because they didn't offer different coverage if they supposedly knew they couldn't raise my units when my salary nearly doubled.  

 

 

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/9/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: This business harasses customers and prospective customers. They lie about who they are and why they are continuously calling. They go door to door and again misrepresent who they are and what they are there for.They call job searchers and say they are hiring for legitimate jobs. They lie and say the are recruiters, but they are telemarketers that are searching for more telemarketers.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the office to be stopped from this unethical and deceitful practice.

Business Response:

Good morning,

We are in reciept of this complaint.  Due to privacy regulations, we will forward to the appropriate department for further review.

Thanks,

** ******

Business Response:

Good afternoon,

Due to privacy regulations, we have forwarded these concerns to the appropriate department for further review.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ********


 

 There is no response listed.

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Also, I would like to mention that it is challenging to have a new hire come in to take care of my account every time I need something. I feel like they don't know the products well and are not able to assist me in knowing what doctor visits are eligible to claim. They say, "let me find out" but I don't hear back until they randomly show up a month or two later and by that point I have no idea of where we left off - nothing done in a timely manner. I know that our original guy that worked with you on signing us up on our policies was "let go", however, whenever he would come in, he would have the forms pre-filled out, then he would sit down with me and make sure they were completed and then take them and submit them. It was painless. Since *****...he is great WHEN I CAN REACH him, but even then, he may (or may not) supply the forms and if he does, he may put my account number on there but does not help with anything else. Also, I go to the doctor quite frequently and I am sure that I could fill out claims for that, however, I do not have a comprehensive understanding of what or how they would fall into one of the 3 policies I have. I thought I could just say (to our Aflac rep that I know because I see the same face and person everytime), " Hey, I went to the doc for this..." and the Aflac rep would say, "We could place a claim under your ...policy. Here are the papers and let me help you and I will submit them." Perhaps I was wrong in my understanding that is what reps were here for....I do not have confidence in my rep or the few new hires they send my way - I would greatly appreciate an update on the status of income differential for my short term disability for ********* ***** as well the time differential of the 30day when it should have only been a 7day waiting period.Also, I would like a stable rep that knows me, our account, our policies and who I can count on.When I signed up for Aflac - I signing up with a gentleman who was IN-TRAINING and accompanied by his supervisor, *** ****. I chose an Accident, Cancer and Short-Term Disability policy for myself. I chose a short-term disability because I have ******** ********* and if I have a flare up, it can last one day to an indefinite amount of time. Now that being said, with my employer paying 100% of my Aflac premiums, I am certain I signed up for the 7 day waiting period (the best coverage there was) as I do have to be out from time to time with flare ups or complications. It wasn't until a few years of having my Aflac policy and encountering my first short term disability claim with ********* ***** that I found the problems with my policy. When I received the Aflac payment from ********* *****, I was appalled at the payment - it was less than 1/2 than what I expected. First, I was told I had a 30 day waiting period and I were to only receive 55% percent of my salary. Regarding the waiting period - I clearly KNOW I signed up for 7 day waiting period NOT a 30 day, as I mentioned my employer paid 100% of the premiums and because with my flare ups - I am usually only out 2-3 weeks (in which a 30 day would not make sense for me). And In regards to salary; when I signed up, my salary was $75,000 and I was NEVER told to contact Aflac if my salary were to change - NEVER, NEVER, NEVER TOLD THAT!!! The year after I signed up for Aflac, my salary increased from $75K and I grossed over $90,000. Had I known that I was supposed to contact Aflac about a salary change, then I would have, especially knowing I was going to be using my short term disability for ********* ***** (it was planned) the following year! I looked in the binder that the training rep brought back to me a few weeks after we signed up which was to be filled with copies of all the policies our company employees had signed up for, as well as the employees who declined coverage. I admit I did not glance through it and put it on the shelf with the other company info. When I first received that check from Alfac that was less than 1/2 of what I was told I would get - I immediately went digging to find my original contract. I was not able to find my original contract or any of them (other employees) for that matter in the binder we were given. It is in a locked office to only which myself and the owner have access to. I was looking for my contract to prove I had signed up for a 7 day. When I couldn't find it - I contacted Aflac to request a copy. They couldn't find a copy either and that is when they told me that the guy who set up my account was "let go" so they had no way of asking or finding out. Remembering that *** **** was his supervisor and was there that day we (myself and our employees) signed up, I called him. He said he would look into it and I never received a response. I called MULTIPLE times and left multiple voicemails, emails, even contacted the district. No response. I sent emails to everyone and even contacted the district manager, *****, for resolution.I requested my short term disability to be paid with my 7 day waiting period, not my 30day. A difference of 3 more paid weeks I deserved to get plus I was out for extra weeks due to a complicated *****, a *********, and a week-long hospital stay. I also requested that those 3 weeks (plus any additional weeks I was out) that I have NOT been paid for - that they be paid at the salary I had of $90K since that is what I was making at the time and a year before I placed my claim. My 2011 W-2's were over $90K and my 2012 W-2's was in the $65K ish range because I was out for several months for ********* *****. Again, I was never told I had to notify them of salary change. I also requested that they pay me the difference on salary for the weeks I was paid for (pay me 55% at my current salary of $90K not the $75K they paid me for).In all fairness, if lack of education on the part of the Aflac employee that signed us up

Desired Settlement: I am requesting that my account be paid to what I believe I was getting when I signed up with Aflac with my short-term disability claim when I had ********* ***** which was a 7day waiting period, with my salary of $90K for 8 weeks.I also request that my current claim recently placed on 9/23/13 be explained to me how they made their decision based on the policies I have. When I call for an explanation - I leave a message and no answer. I was out again for another 6 weeks and my waiting period had been adjusted to 7day at this point and salary adjusted to $90K and my check for the 5 weeks was $1473.33. I make an estimated $6600 a month. How did they come up with $1473.33 for my 6 week out of work disability???For the hassle I have had to go through on my accounts - I feel they should not deduct the premium difference from the 30day vs 7day and they should pay me the unpaid weeks as well as the salary differential I was underpaid.I still want an response to how my current claim came to b

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ****


 

 I am not satisfied with this result because I feel that if I accept this response which is "we'll get back to you"- then the truth of my situation ends here. I have been told for a year and countless efforts this exact thing...we will review and get back to you- then a few weeks later I receive a generic letter in the mail and then when I call back to have  someone explain this letter...I am transferred to multiple people because not any one person can explain it. It has yet to be resolved and I want a phone call from someone who understands the policies, claims, processing and I want my account paid in the amount that I believe I signed up for. It was error on an Aflac employee part who was let go and I am left fighting my claims after being a policyholder for years.

Business Response:

Good afternoon,

These concerns have been forwarded to the appropriate department to be reviewed and addressed directly to the insured, due to privacy regulations.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/5/2013 Problems with Product/Service | Complaint Details Unavailable
12/5/2013 Problems with Product/Service
12/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a hospital indemnity plan for my son and I. After paying premiums for 9 months, my son was diagnosed with a ***** *****. He had surgery to have the ***** removed, which involved him being admitted to the hospital, including recovery time with the ICU. I sent Aflac all of the required forms, medical records, and bills. I called before mailing in the claim to make sure that everything that was required was being submitted. I read on the form that a pre-existing condition statement was required. That form was not mailed to me with the certificate of coverage, it is not on the website, and it is not on my employer's benefits website. When I called, I was told that it was not available. I mailed in my claim. Of course, medical bills started rolling in. 3 weeks later, still no response from Aflac. After calling 3 times, I was told that my claim was being investigated and that I had to submit proof that there was no pre-existing condition treatment. First of all, I had already sent his medical records. Second, how can a ***** that was just discovered be "pre-existing?" Third, why didn't Aflac make the pre-existing condition and HIPPA forms available so that they could be sent in with my original claim? It is now 6 weeks post-surgery and I have gotten ZERO payment from Aflac under the hospital indemnity claim to help me pay the mounting medical bills. The whole point of a hospital indemnity plan is to ease the burden of paying deductibles - meanwhile, they are trying to use delay tactics to avoid paying for a CHILD'S claim. They refuse to let me speak to a claims adjuster, the "customer service" person won't answer any of my questions, and the bills just keep mounting. Hospital indemnity with Aflac is a complete rip-off and dealing with them has caused me and my family added stress. I want a senior executive from Aflac to contact me and get this matter resolved so that I can get back to caring for my son.

Desired Settlement: I want my son's hospital indemnity claim paid immediately.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac the company, and ****** *** the agent, after signing me up at my job, and then making a double deduction on one check, after admitting it was a mistake and telling me they would refund it, never did. I left that job and I still tried to get the refund due me and Aflac customer service just kept running me in circles telling me my old job hadn't filed the necessary paperwork for me to receive the refund. I told them that I had no control over it, and they have as of yet refused to return the wrongly taken deduction, even though I am unemployed and need the money. Agent ****** *** refused to go to bat and obtain the refund for me even after I asked him for his help several times. I informed him and Aflac customer service that I will be filing complaints. It's amazing they would rather have formal complaints than return the $16 they wrongly took. What a stupid and lame business model and lack of integrity In doing business.

Desired Settlement: I want my $16 returner and an additional $25 for all the he faces and time I have spent trying to te his solved.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropiate department review and correspond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/18/2013 Problems with Product/Service
11/18/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am requesting that the sales calls from AFLAC stop to the *** **** ** ****** *** ******** ***. We get two to three calls a week from AFLAC and no one in the office is interested. We had AFLAC come in a few years ago and no one was interested. I have recently polled the office no one is interested and I want the sales calls to stop. I have asked them to take us off their call lists but they tell me they can't. ****** *** ******** *** does not want these calls nor do they want them two to three times a month. There has to be a way for them to stop harrassing us! Please help stop. I am so sick of telling them the same thing every time they call... They refuse to take no for an answer and I think the harrassing calls should stop.

Desired Settlement: Take us off their call lists permanently!

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department to be reviewed and addressed.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.  I have received word from AFLAC that our Firm has been placed on a no call list. Much appreciated for your help. 

Regards,

**** *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/18/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had 4 policies with Aflac, 3 of which I signed up with ******* ******** in ********* *******d with payroll deduction August 2013. I received notification dated October 1, 2013 stating that they will not be receiving premium payments needed to continue my coverage through payroll deduction. Since we have not received payment for your policy, your coverage terminated effective October 2, 2013. I called Aflac and talked to a representative on October 14, 2013 to verify that the policies had been canceled and I was told a refund check was sent out on October 9, 2013 to the company since it was payroll deduction and taxes would need to be paid. I also contacted the company that I no longer worked for. **** ****** with the company sent an email to ******* ******** on October 14, 2013 and ******* didn't respond until October 21, 2013 asking if we could talk. I spoke to him on October 22, 2013 and at that time he said he would look into this matter and get back in touch with me. I sent him an email on October 27,2013 and he did not respond. I called this morning and was told the policy was reinstated without my permission to do so and placed a stop payment on the check that was sent to my ex employer. I called ******* ******** and his supervisor **** **** this morning and neither one has returned my call.

Desired Settlement: Please send my refund.

Business Response:

Good afternoon,

We are in receipt of this BBB.  Due to privacy regulations, these concerns will be reviewed by the appropriate department and will correspond directly to the insured.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of your concerns.  Due to privacy regulations, we have forwarded your concerns to the appropriate department to review and respond.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

********* *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/15/2013 Problems with Product/Service
11/15/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: The AFLAC group of ********************** ** ******** is harvesting telephone numbers from resumes posted on major job sites and calling resume-posters to come in for an interview. They are deliberately misleading the purpose of the interview. They have ignored my request to stop contacting me and remove me from their lists.

Desired Settlement: I want them to stop misrepresenting the purpose of their calls, and to stop calling when demanded.

Business Response:

Good morning,

We are in receipt of this BBB.  Due to privacy regulations, we will forward to the appropriate department to review and address accordingly.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/15/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an Aflac policy holder since 1998, never missed a payment. I have 4 family policies (cancer, accident, personal sickness and specified health event). I recently submitted a claim under my accident policy which has an additional benefit for disability should an insured party ( in this case my husband or myself) miss any work due to a covered injury sustained in an accident. Recently, we suspect my husband injured himself while lifting heavy boxes at home which resulted in a fall after he experienced a sharp pain in his abdomen. The pain was enough to cause him to seek medical attention. He went to his primary care physician 2 days after the accident. He was then referred to a specialist. All of this occurring within a week of the accident at home. In the end the official word from the specialist was that he had a ****** and to fix the problem he would need surgery. He had the surgery and required 8 weeks off from work to recover. I contacted Aflac on several occasions to get guidance on the process to file a claim for this accident since his injury is a covered benefit. Like many of the other complaints about Aflac I was given the run around. If I had to pin point the problem I think it's the customer service reps. I don't think they actually listen to you. In my case they talked over me and interrupted while I tried to explain things, they insisted that they hadn't received my paperwork with the standard statement that I need to wait and see if it gets "scanned into their system" even though I had waited beyond the 48 hours to follow up on things and only after persisting and demanding that they check on it did they admit that due to a "glitch" my forms were never scanned so a claims auditor could look at it. They denied my claim said I needed to submit more things from the doctor, which I did. Now I'm still waiting. The reason I got the insurance is to take away some of the worry & frustration that happens when our family is hit with an unexpected situation like this, not add to it

Desired Settlement: I want my claim paid. It's a valid claim and a covered benefit. I'm a long time policy holder so just be fair about it.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/15/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i have purchased aflac insurance through my work and when i got my policy papers it clearly has cancer care boxed marked along with all the reading material and what is covered and what benefits are involved in this package. i was diagnosed with ***** ****** stage 3 in august 2013 and have recieved no benefits and now the insurance agent is telling me this is not part of my insurance policy not only does all my paper work state that i do but the insurance agent is telling me that i'm only covered for 3 months through short term disability that after 3 months is done so are my benefits. I have called so many people for help and what to do next due to the fact that even the benefit checks that this agent feels I'm entitled to keeps loosing my paper work holding up my checks making it impossible for me to even have gas money to get back and forth to my ***** appointments and doctor visits. I have had my gas shut off electric shut off phone shut off and as you can imagine no food for my family so when i do finally get a check it's gone in 1 day. When i call the agent and leave messages his voice mail is full and it takes him up to 2 weeks to call me back. I can not believe aflacs philosophy is "we pledge to be there for our policy holders in their time of need" having been diagnosed with cancer was a hard pill to swallow and now an aflac agent making this even more of a nightmare is unexceptable i need someone from aflac who knows how to do their job just to make this right. policy holder # ******** Account_Number: ********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need an aflac agent that knows what they are doing and stand by their pledge to be there for me in my time of need as a policy holder. If an agent could take my policy serious and just do what the policy states so i can fight for my life instead of wonder how I'm getting to my next chemo treatment due to lack of funds and help me get my full benefits instead of push me off for weeks on end just that alone would help

Business Response:

Good morning,

We are in receipt of this BBB.  Due to privacy regulations, we will forward these concerns to the appropriate department for review and response will be provided directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/6/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This is my second complaint on this company. I broke my **** and was hospitalized dues to a ********* **** I was out of full time work for over 2 months. They still have not paid me correctly and refuse to pay me...I sent them updated information after they responded to my first one and only sent me a small check for a couple days. My documents that I agreed to said partial disability is 20 or under hours a week. This is a horrible company that doesn't pay out to the people who pay for their service on a every paycheck basis. They say they will call the customer to resolve this so it looks like a resolved case when in all actuality they do not they send you a letter basically saying they wont pay you anymore.

Desired Settlement: I want them to pay me. They owe me for 8/12/13, 8/13/13,8/15/13,8/20/13, (8/21/13 the whole day as I was unable to come in due to the pain from my injury),8/22/13,8/27/13, 8/28/13, 8/29/13, 9/03/13, 9/04/13. I want to be paid what they still owe me $19.65 x 10 partial days and $38.33 x 1 whole day is $229.98. I have attached all pertaining documentation and the documentation from them on what they have already paid me.

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded to the appropriate department for further review.  Due to privacy regulations, we will respond directly to the insured.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I will not fully accept this Business's response until they pay me it is now 10/25 and I have not heard anything from this company. They are a VERY shady company and don't deliver what they promise.

Regards,

*** ******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/4/2013 Problems with Product/Service
11/4/2013 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I applied for life insurance the money was taken out of my payroll. I provided the payroll stubs to my agent. She said she would be able to help me that was almost a month ago. Have not heard a word since. When I called AFLAC they said they never received payment from my employer. Employer is now closed. So who can now help me?

Desired Settlement: I would like my life insurance continued and I should be able to pay the same amount I signed up for. If not I will not have any faith in AFLAC.

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department for further review.  Due to privacy regulations, we will respond directly to the insured.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I've been employed with the same company since 2004, which was around the same time I received my AFLAC accident policy. I was injured on the job, a **** ******* **** in Oct. 2012. I had the surgery in july 2013. I also was going to therapy for this injury. I sent all my medical, doctor"s visits and therapy papers to AFLAC and they denied my claim. They stated this doesn't qualify as a accident.

Desired Settlement: If that isn't a accident please explain to me what it is. They didn't drag their feet to get my monies so why are they dragging it now when its time to collect and claiming its not a accident. I have never had a problem with any part of my body or had an injury on the job before.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to be researched and addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/30/2013 Problems with Product/Service | Complaint Details Unavailable
10/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was injured at work March 31. I ruptured my ******** ****, and I was told that based on my policy that I would receive short term disability payments for my injury even though it was at work. ***** ***** sent me several emails, (May 21, correspondence between ***** ***** and our previous HR manager April 11th). These emails informed me that I would receive compensation for my injury if Workman's compensation was not approved. I did not receive compensation from my job from April 2013 to July 2013 and these were the dates that I should have receive compensation from Aflac, but they refused to pay based on me being injured at work. The emails that I have in my possession conflict with the policies they used to deny my claim.

Desired Settlement: I would like to be compensated for the months that I did not receive compensation.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward to the appropriate department to be reviewed and addressed.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was recently injured practicing on a dirt bike. My claim was deniend under Part 2, Section B-10. We will not pay for accident or sickness that is caused by or occurs as a result of a covered person's Participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type vehicle in an organized event. I called and explained that I was not racing or being compensated in any way. I was told according to the medical report it was practice for a qualifier, and that I was a professional motocross racer. I then explained that I was not a professional and that a simple look at the website would show that report was wrong, and that the track was just opened up for practice that day. I was then told I need to get the doctor to change his report because they can't change it, and have to go by what they have. I guess they will only follow up or do research if it will get them out of paying off. It was clear they were not there for my assistance, but to make me go away. Apparenty the claim was reviewed 3 times, but not once was I contacted to verify anything or tell my side.

Desired Settlement: A phone call getting the facts straight before reviewing my claim would be nice.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/30/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I cancelled my account with aflac on June 1 2013. They still took July's payment out of my account. I called the get a refund, they said I had not canceled. I forwarded the cancellation email with the confirmation they sent me to a representative. Her name was *****, and she said the cancellation would be back dated and a refund would be sent in the firm of a check. I never received the check. I called again to get the refund on August 16. I was told they have me canceling on July 1 and no refund will be issued. They don't know who ***** is. The reason I was canceling in the first place was I never received payment for covered doctors visits. This is a product/service is a complete ripoff. They take your money then make you jump through hoops the get reimbursements that are owed. My wife ******* ** **** is having the same fight for the exact same issues.Thank You**** ** ****

Desired Settlement: Refund of all premiums paid to Aflac for both my wife's and my account. We faithfully paid our premium but did not get the service we paid for. Accounts were less than a year old at time of cancellation.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ** ****


 

This is a copout on their part. Medical information is not involved so no hipa violation exists. I don't care what their policy is. I have asked BBB to act on my behalf I this matter. Aflac's unwillingness to cooperate is evidence they have something to hide. 

**** ** ****

Business Response:

Good afternoon,

These concerns have been forwarded to the appropriate department to review and address.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/24/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Below is a letter we sent certified mail and we show that it was received by the office on 8/23. It has now been over a month and we have called them 3-4 times asking for a response and they have always told us it take 5-10 business days to get one. This is after we have had our request for payment denied 2x already.To Whom It May Concern, My husband and I have a short-term disability policy, PN******, with Aflac of New York. Below we detail the reasons we believe we should be paid out on our claim that we have been rejected for twice over the last three months. In September of 2012, I met with ***** **********, an agent from Aflac of New York. She had discussed Aflacs Short Term Disability options with me and as my husband and we were hoping to start a family we thought it was a wise decision to start a policy to cover my maternity leave. ***** detailed the policy to me including that I would need to be pregnant for 10 months. I specifically remember asking her what would happen if I were to deliver early, and she explained that even if I were to deliver early, the claim would be based on my due date not the delivery date. I now know that this is not the case. I became pregnant very soon after my policy became effective on October 1, 2012. My due date was June 30, 2013 and I delivered June 17, 2013.When I began completing the paperwork to file my claim, I noticed that the physicians form did not request the due date. I was concerned that Aflac would think I was pregnant before October 1, 2012 so I called ***** to ask how to handle the form. ***** did not immediately respond so I spoke with another agent at the New York office who told me to have my physician write in the due date on the claim form. Later that same day ***** returned my call and advised me to do the same thing.After my claim was denied the first time, I contacted ***** to inquire as to why it was denied, she did not return my call or email. I then called the customer service number and spoke with a representative at the Georgia office who informed me that the due date was irrelevant and that the claim is based solely on my delivery date. ***** eventually responded to my email and informed me that she had escalated the claim to her supervisor and her supervisors supervisor. A week went by and I did not hear anything from Aflac. I contacted ***** again and a few days later she sent me an email saying that Aflac was requesting additional information from my physician. On August 19, 2013, I received a letter from Aflac denying my claim for the second time. On the same date, I emailed ***** again requesting an explanation for why I was given incorrect information during my initial meeting with her last September. I also called the customer service center and spoke with ***. I explained our situation and after discussing with another individual in her department, she came back and told us that our agent was in fact wrong (she has paperwork that was sent in from ***** during our second claim stating she incorrectly told us that the claim would be based on the due date). *** told us that the file stated that ***** has since received additional training on the 10-month exclusion. Based on this information, *** advised us to reach out to the policy services department for a refund of our premiums since October 2012. I would like to commend *** as she was very helpful to us during this phone call. In regards to the premium being paid back, I believe that it would be a start, however we believe our entire policy should be paid out or discussed further for two reasons. First, this policy greatly impacted the decisions we made over the last 10 months. We bought this policy to responsibly plan for a new child and all that comes with. If we had been informed correctly of the policy, we would have waited to become pregnant. Also, I took an additional 6 weeks of maternity leave to stay home with my newborn instead of returning to work after 6 weeks because I knew that we would be collecting on this policy. We also bought our first house in May 2013 with the expectation that claim amount would be applied to our savings account to add a little stability. Its been 9 weeks since I delivered and due to the delay in processing my claim, we have had to rely somewhat on our families to support us while we resolve this issue. Second, ***** **********, who represents Aflac, has been slow to respond to us. She has always been difficult to get a hold of by phone or by email, with us receiving an email a response an entire week later if we are lucky. I wish that she would be more open to us in regards to what is happening as she provided limited information about our claims. I do not however blame her solely for providing the wrong information regarding our policy. As I stated previously, I was told by another agent in New York that the claim is based on the due date. Obviously whoever trained that office did not do their job. In summary, I hope you see our side of this issue and make the decision to pay out our policy based on the errors made by your company. Please reach out to us via phone or email at your earliest convenience. We can be reached at ###-###-#### or ********************** Thank you, ******* *** ***** *******

Desired Settlement: We believe because of the mistakes made by Aflac that we should receive our full payment of short term disability as we followed the instructions of Aflac's rep accordingly and now they wont even speak to us about the issue.

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address these concerns directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* *******


 

Again,

This is just another canned response. I am not asking for specifics on the request here, I understand that due to HIPPA you cannot reveal details about the claim. Can you please provide me with a number to which "appropriate party" will be reviewing my letter so I can respond. Aflac, you are telling me that this has been forwarded appropriately, but we have not received a response from anyone for the last 4 months, other than a standard rejection letter, which did not have any regards to our issues that we have had.

I would like to know:
1. A timeframe as to when we will receive a response about this.
2. Who will be reaching out to us in regards to our claim, and their contact information so I may speak with them directly.

Business Response:

Good afternoon,

These concerns have been forwarded to the appropriate department for further review.

Thanks,

** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/24/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac's failure to convert a term life insurance ( which is currently on waiver of premium) policy which carries a right to conversion privilege to a whole policy and a waiver of premium benefit. Aflac refuses to convert to whole life policy unless a premium is paid, even thou the term policy has a waiver of premium benefit that should carry over to new whole life policy and remain on waiver of premium.I was told by an Aflac employee that if it weren't for the fact that I was on waiver of premium that they could convert my policy to one that carries a waiver of premium, but since I'm currently on waiver that they could only convert my policy to one that doesn't carry a waiver of premium.This discriminates against me in two ways,(1)the conversion privilege states that I can convert to any policy that they currently sell and not one that they choose and (2) because of my disability they are refusing to honor their original obligation of the term policy and the benefits and conversion privileges offered to me when I purchased that policy.

Desired Settlement: That Aflac convert my current term policy (which is currently on waiver of premium) to a whole life policy and that it remain on waiver of premium as the conversion states, that the waiver follows the policy.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *******


 

 Aflac has sent me the same answer  that they have been sending me for the past two years, they don't address the the questions I have about the type of policy I'm allowed to purchase on conversion . They write to me and state that  because of  HIPPA rules they can't respone to you. how can you help me with  this matter if they won't respone to the B.B.B. Is this how they recieve an A+ Rating with the B.B.B. by not responing to complaints agaist them ?

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/22/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This is the company I pay through for my short term disability insurance. I have been on short term disabilty now for almost 2 months. I had under gone **** ************** surgery. I have been trying to work with this company to receive my disability checks but have not been successful. The company is trying to state that my condition is pre existing and that is why I am not receiving my checks. However, I have had 2 of my doctors fax this company letters explaining how my condition is not pre existing and both doctors provide break downs of my health issues and the time I was treated for them to show they are for different issues and do not the same thing. One doctor was treating me for ****. The other doctor was treating me for deterioration of my **** **** *** ***** *********. I have also explained to this insurance company that when I filled out the original short term disabilty paperwork that I misunderstood the questioning and accidentally put the wrong information down but they are not taking it into consideration and are still denying me my checks. I have bills that are due and without my disability checks I am unable to pay them. This company keeps denying my money that I am entitled to. Product_Or_Service: short term insurance Account_Number: *********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to receive my disability checks that I am entitled to. I pay for short term disability out of my pay checks so I have it when I need it like a time as this.

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded to the appropriate department for further review. Due to privacy regulations, we will correspond directly with the insured.

Thanks,

** ******

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/22/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying to get my insurance policies cancled since may of 2013. I have spoke with costumer service reps 6 times and managers to cancel these policies and they are still taking $26.57 out of my Check from employment since May 2013 when I started requesting cancellation. I want this stopped. I have called back again today regarding this since they have taken it out of my check again. Now they are giving me a different story again. Every time I call they tell me I need to mark something different on the cancelation form and refax it and every time they have given me a different fax #. I have faxed this form 6 times and only one they are saying they received is the last one I sent in july. They keep telling me it takes 2 to 4 weeks to end it but May is alot longer that 2 to 4 weeks. I just want this stopped. I dont think this is fair to have to repetively call and call and fax and fax just to get this stopped. It sound like its bordering on fraud with amt of complaints I have sent to these people. I have done one online and made numerous complaints over the phone. I had made a complaint with BBB back in july as well and I just need these policies stopped. Please Help me to get this done because obviously It's going to take more than just me to get this matter fixed.

Desired Settlement: 26.57 x's 9 paychecks = $239.13 Refund and I want this stopped. Please Help!

Business Response:

Good morning,

We are in receipt of these concerns. Due to privacy regulations, we will forward these concerns to the appropriate department for review and will correspond directly with the policyholder.

Thanks,

** ******

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******** *********


 

They did respond back but by only mailing me a check for $45.38.  Which is far less than the amount they told me back in July.  The total I pay Biweekly $26.57.   The Supposed supervisor I spoke with in July stated they would Pay me the amount from May when I originaly started sending request to stop the insurance policies.

Business Response:

Good afternoon,

Due to privacy regulations, we have forwarded these concerns to the appropriate department for further review.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/21/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for aflac dental a year ago. The representatives came to my school and some of us teachers signed up that day. It was explained that all we needed to do was just submit the bill and we would get refunded. I have been paying my dues each month to aflac over the past year. This past month right before the school year started i had to have an emergency extraction. I went to the surgeon paid the 200 for the service and contacted aflac. The representative name was : ******** *******Regional/District AdministratorOffice: ###-###-####, Ext. 10Telephone: ###-###-####Fax: ###-###-####Email: *****************************That same day i filled out a form and submitted it with copies of the bill and the dental office information. after two weeks of inquiry i was told that the dental office needs to submit a form. I had the form sent to me and the form is very complicated. It was nowhere as simple. There were questions in there that i have no knowledge about. e.g what the procedure code was and information about the doctor that only the dental office would know. It would have been helpful if the complexity of getting refunded was explained a year ago. I have been to the dental office and they only handle surgery. as of today i still have not recieved a refund of 200 dollars and i am still paying dental from my salary. If i had know the complexity of this i would have not signed up. It is unbelievable that after a year of paying dues for dental to aflac i am still out of pocket for a medical procedure because of some complex paperwork. When i called the consumer line i was told to call the dental office. The dental office says aflac can call to verify the information but that has not happened. In addition, i emailed my intial contact listed about through email and have yet to recieve assistance. At this point this is my final attempt to get this settled before i consider further action to regain all that i have paid in the last year or the bulk of it.

Desired Settlement: I would just like to be refunded what is due to me. I have been paying dental for over a year and its only fair that i get back my money .

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department for further research.  Due to privacy regulations, we will correspond directly with the insured.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ******** and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** ******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I contacted Mr. ***** ****** my company rep on April 25, 2013 initially to inquire about the low claim payment ($280.00) I had received. I was disappointed with such a low amount for a fracture, emergency room visit, 3 days of missed work plus 1 day (counting the day of injury) and several doctors office visits. I was under the impression that my policy paid so much for each of points I just listed. I felt that the policy sold to me had been misrepresented and I told Mr. ***** to cancel my policy. He sent me the cancellation notice form. I filled it out and sent it back to him via e-mail. I continued to monitor my payroll deductions and the Aflac payroll deductions continued. I contacted Mr. ***** and the benefits department at *****, each side telling me to contact the other. I contacted Aflac customer service once I finally received my refund check and it was $119.28 short of what I was expecting. I was informed at this time that my cancellation had been received in early June and the cancellation was made effective at that time. I advised Aflac this was not correct, that I had cancelled my policy on April 25, 2013. I later contacted ******* ****** **. in an attempt to resolve this issue but was not able to speak with him. ******** ***** called me following my 2nd attempt to contact Mr. ****** and she instructed me to send a letter on company letterhead stating my policy number and the exact amount still owed to me.I thought I had an accident policy in addition to my short term disability policy. I found out today that my Accident policy was cancelled in 2007 for non-payment. How can this be since it is payroll deducted each payday? I havent changed anything since my initial enrollment other than increasing my number of units. This would explain the low claim payment and why I was expecting it to be more. I was also shorted 1 day on the disability claim due to my employer putting my 1st day of disability as my 1st day out of work not the day prior when I was injured.

Desired Settlement: I would like at a minimum the additional day of disability and the $119.28 refund due to me. As far as the Accident policy, that unbeknownst to me had been cancelled, should pay out. I also had another claim sent in that was not paid due to the physician section not being completed. It was an urgent care center and I supplied supporting documentation. Just another disappointing experience.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and respond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On August 9, 2013 I was seen by my doctor because of a ******. My doctor referred me to a specialist. I was seen by the specialist, then on August 16, 2013, I had ****** surgery. I had all my Aflac paper signed by my employer, and by the doctor, and faxed to Aflac on Sept. 9, 2013. (I had to pay the doctor $20.00 to sign my paperwork). I continue to check with Aflac about my paperwork, and no one seems to know whats going on with it. I finally talked to someone from Aflac, and they stated, that, the referring doctor had to sign a paper stating when the ****** was first noticed. This was to make sure the ****** wasn't noticed before 1/1/13. This is absurd. How could I wait 8 months to have surgery. I've been off work for 4 weeks with no pay, and need my short term disability from Aflac. Aflac seems to take my money, no problem, when its due, but when they have to pay, its a waiting game. Aflac claims to help take care of bills while your away from work, but do they really. I have yet to see anything. This is getting ridiculas. Can someone please help me with this situation?**** *****

Desired Settlement: I want my money owed to me. Aflac gets their payment every time I get paid. Now, I want paid.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department for further review and will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/10/2013 Problems with Product/Service | Complaint Details Unavailable
10/4/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: this is concerning about the life insurance that I once had with Aflac and was trying to get it back and when I was trying they denied me of life insurance but allowed me to keep the short term disability because they said that since I was no longer working for the company that I couldn't keep the life insurance so I have called back several times and still was getting the same answer. I don't think that's it fair and when I got a call back on today 09/12/2013 and still telling me that I need to pay back premium but when I tried to do that from the beginning they wouldn't allow me. I think that this is a bunch of crap because they should have allowed me to.

Desired Settlement: I should be credited back all that I put in because I was told the incorrect information and they can go and listen to the recording

Business Response:

Good morning,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department for review.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/4/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: based on my AFLAC GROUP POLICY dated 11/01/2010 I am entitled to hospital emergency room or physician benefits. Each year I am entitle to five reimbursed visits at $50.00 each. On or around 07/21/13 I contacted Aflac Group after learning that this division is seperate from the major company and do not share information. I also learned that Aflac Group customer service reps are often misinformed. Upon discussing my claims with the customer service rep, I was informed that although I had not filed a claim since the start of my policy, to submit all of my claims for doctor visits and that there would no problem. I explained that I would have to consult my insurance company for my claims to provide the explaination of loss. She informed me that the verifcation would be sufficiant as my policy requires simple verification of doctor visits as long as it is not for routine exams or elective procedures. I further explained that the insurance information would verify the nature of the visit (it acturally list the procedure codes ) Aflac is refusing to pay. A violation of my polocy.

Desired Settlement: I would like my benefits that I am entitled to paid and at least six months reimbursment of monthly premiums paid and a letter of apology for having longstanding customers like myself jump through unnessary hoops. Also note: I have four other Aflac policies.

Business Response:

Good afternoon,

We are in reciept of these concerns.  Due to privacy regulations, we will forward to the appropriate department for further review.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/2/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have paid AFLAC for a Accident insurance plan for approximately eight years without making a single claim until this year. In April my pregnant wife slipped and fell and injured her tailbone. She was hospitalized for 25 hours being treated for her injuries. In the policy it states that if she is hospitalized for more than 18 hrs for an injury then she is eligible for a payable benefit. I have sent them all the forms from the hospital that they requested as well as the necessary forms to submit the claim. They give me different reasons when I call about the status and ask me for more information from the hospital and the hospital tells me that they have given me everything that they have available. They also advised me that she was hospitalized for a sickness because pregnancy is not considered an injury. Yes they monitored the baby immediately at the hospital and conducted a sonogram within an hour of admission and ruled out any problems with the baby. The other 20 plus hours they continued to treat her for her tailbone injury. My complaint is that the claim is legitimate and AFLAC is trying to find anything to deny the claim. My secondary complaint is that they boast of their turn around time on paying their claims and yet I am still waiting.

Desired Settlement: I think it is reasonable to request AFLAC to pay my claim and refund my my biweekly payments backdated to the accident.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address these concerns directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am writing about AFLAC I have had policies with them since 2005 a Short Term Disability is one of the policies. I got hurt at work and filed for my S T D and received my first check within a couple of weeks...along with the check was a continuing disability form that I took to the Dr and had fill out along with the part myself and employer filled out...I got a second check with the same document in it.....and again I did the same took it to the Dr. and Employer and I filled out my part.....I got notice yesterday 8-26-13 that the claim was DENIED because it was a work related issue. I called them and talked to three people trying to explain that I had already received two checks and had sent checks out just yesterday because I knew it was time for my AFLAC check. Now I am in a terrible mess thanks to AFLAC. A company like this should not be able to do people like this I have paid my premiums for eight years on four policies, and now that I need them to do as their advertisements say AFLACS promise is to be there for you. That is a out right LIE

Desired Settlement: I only want the money from the policy I have paid for , for years. That is not to much to ask

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, the appropriate department will review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, At this time AFLAC has not offered a resolution to this complaint.  This company has put me in a financial mess. I again have been a customer that has paid mt premiums for the last eight years. Again today I saw an AFLAC commercial that says they will take care of you..all you need to do is focus on getting better...HA! that is a joke. 

Thank you for your help with this issue.

Regards,

****** *******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

9/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On July 20th I broke * ****, ********* * ****, was hospitalized for a week and had ************. I was out of work completely until August 12th when I was allowed to return but only for half time, 20 hours a week or less. I sent in numerous doctor notes until Sept 9th when I was allowed to return to work full time. I was given the complete run around from many customer service employees at AFLAC no one seemed to know what was going on every time I called, I would be told they didn't have everything when in fact they did. I was told they sent out a check when in fact they hadn't. In the proposal for my company it says on page 3 under BENEFITS:Partial DisabilityIf the covered employee is partially disabled, the plan provides fifty percent (50%) of the applicable monthly benefit for a maximum of 90 days, immediately following a period in which total disability benefits were paid. Partial disability is when the covered employee is unable to work for more than 20 hours a week.I never once worked over 20 hours I worked under 20 hours a week. Then on page 7 it says you cant work over 4 hours a day in a different part. Well which one is it, to me it is false advertising and misleading. Hard working people choose to pay for this service out of their paychecks to assure if they are hurt or fall ill they will have something to supplement their income. I was so thankful that I had this when I got hurt, I have a husband in college and 4 boys I am the bread winner in the family. Come to find out they gave me a small check for like 7 days when I was totally out of work due to their elimination period and then it is now Sept 19th and I have yet to receive another check, but they supposedly mailed it out I was told Friday and Monday from 2 different parties. The kicker is they only paid me for 6 days!! 6 days when I was half days for a month and it is like $19 a day how is that supplementing my income. This is bad business, robbing from hard working people and not returning what they are owed.

Desired Settlement: I want them to pay me what I am owed and maybe a little more for the turmoil this has put my family thru with school starting and not being able to get them things they needed since my income was not supplemented, we weren't able to pay our rent, get food, get gas...this put us way in debt and still is since I STILL have not received a check.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department for review and will respond directly to the insured.

Thanks,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

*** ******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

9/20/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have two policies with Aflac (Short Term Disabilty (********)& Hospital Confinement Sickness Indemnity (********).I had outpatient surgery on April 10, 2013.I was advised by my surgeon to remain off work for a period of time as a result of this surgery.I received payment for the Hospital Confinement Sickness Indemnity policy via a check issued on May 8, 2013. I've completed, faxed and mailed copies of the following:sickness claim forms/physician's statements & notes(primary physician & surgeon),medical history & progress notes,initial disability claim forms,employer's statment,billing statements & authoriztion to obtain information forms,to Aflac representatives repeatedly.I've asked my physcian office personnel to speak with Aflac representatives to confirmed whatever information requested eventhough I'd sent all which had been requested of me several times already.I've received letters dated: May 9th,15th,June 6th,12th,24th & July 2nd, requesting that this documentation be sent to the offices even after I'd done so.Initially it was requested that I send history six months prior to my surgery,then it was requested that I send notes from 1/1/12 - 2/1/13.I spoke to the following Aflac representatives on the following dates: 6/7 *****,6/11 ******,6/21 ******* & Suprv. ****** ***** (###-###-####),7/3 ****** ***** & left msg w/Cust.Serv.Suprv. ***** ****** (###-###-####),7/15 left msg for both ****** ***** & ***** ******.I last spoke w/Mr. *****,he stated Aflac requestion my medical file from my physician's office 7/10 & was awaiting the file. As of today, July 30, 2013,I attempted to access my Aflac account online and over the phone,to check the status of my claim and found that all information regarding policy information,claim status/history and my representatives name(***** ****)had been deleted.Only my personal information remains.I was advised to call ###-###-####.Prior to ***** ****, ***** ******n was my Aflack representative.

Desired Settlement: I would like to receive the Short Term Disability policy payout as indicated in the policy.I've submitted all documentation as requested.This matter has been ongoing since April.I'm very disappointed with the service I've received from Aflac representative.

Business Response:

Good morning,

We are in receipt of this complaint and have forwarded to the appropriate department for further review.  Due to privacy regulations, we will correspond directly with the policyholders.

Thank you,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I've spoken to several Aflac representatives since I initially filed my claim in April of this year. I've received 13+ letters from Aflac either requesting the same documentation I'd sent already or stating that the claim has been denied because the documentation had not been received.  These documents were sent even after the Hospital Indemnity portion of the policy was approved which I find odd because the  Short Term disability claim is in correlation to the Hospitalization Indemnity policy.  I've spoken to and left messages for approximately 5 Aflac representatives and 3 Aflac supervisors (****** *****, ***** ****** & ***** *******).  I've contacted; literally harrassed, my physicians office personnel because of the repeated request by Aflac representatives to forward my medical history/physician notes to Aflac, even after we'd done so.  So, it has been provened that my communication and correspondence with Aflac representatives have not been productive. 

One of the letters I'd received from Aflac stated that "9 out of 10 Aflac claimants agree that we (Aflac) paid their claims fairly and promptly".  What are the chances that I'm the 1 out of 10.

Regards,

******** *******


 

 

Business Response:

Good afternoon,

We will forward these concerns to the appropriate department for further review.  Due to privacy regulations, we will correspond directly to the policyholder.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/20/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been part time for 7 months and i'm still getting deductions from Aflac after cancellation. Full reimbursment requested since initial cancellation and each time after. I am still paying out of my check and no reimbursments have been received. I have contacted ***** every two weeks when i get paid since 2/2/13.

Desired Settlement: I would like Aflac to stop taking money out of my check every two weeks and i would like all the money back they have been taking out of my check. I have contacted ***** ***** every two weeks since 2/2/13 at ***********. All i get out of her is i need to talk to my boss but we can not reimburst you till it stops coming out of your check.but they wont stop taking it out.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department for review and will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/20/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have tried to get info about benefits on my life insurance policy for well over 3 weeks. I have had this policy for almost 30 years. Customer service gives me the run around as to them having to forward my request to another dept., it will take up to 10 days for them to get the info to me. After 2 weeks I called again, only to be told this time that it had been sent to the other dept. but it takes them 10 business days to respond, and that I should get it by 8/30/13, and if not to call back. My 3rd call was just a few minutes ago. I asked to speak to a supervisor as I was tired of getting the run around and being lied to. Suddenly they knew what I was calling about and no one could tell me anything over the phone, I have to wait on the info to come in the mail, and it was mailed on the 28th or 29th. Still do not know anything which someone could have told me over the phone. This is not the first time I have tried to get info from them about my policy. No one is EVER any help. All they want is my premium payments, and put on the bill that if it is not paid by a certain date they will cancel my policy without any word. I have Never been late with a payment since I have had this policy. Customer Service and Representatives are a complete Joke and a total waste of money and space, as no one can help you or even attempts to help. Just run around after run around.

Desired Settlement: Would love to see all the run around stopped and policy holders given whatever info they request be answered on the phone by a human. And if they need to mail something you request, it needs to go out the next day. An insurance company has all the information there in front of them. Why can't a human help their policy holders immediately?

Business Response:

Good morning,

We are in receipt of these concerns. Due to privacy regulations, we will forward these concerns to the appropriate department and we will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/20/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My sister purchased an AFLAC life insurance policy with the faith it would provide for my nephew (her only child) in the event of her death. She passed away in January 2013 from the ***. AFLAC would not accept the death certificate as proof of death. We provided the requested Physicians' Statement. They would not accept the birth certificate as proof of my brother-in-laws paternity. We waited until my nephew turned 18 to file his own claim. NOW they want two years prior medical records. They have refused to pay this claim, but don't offer help in getting a resolution. My sister's faith was misplaced in this company. My nephew is the only beneficiary. There should be no issues in collecting these benefits.

Desired Settlement: Benefits paid to my nephew

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy regulations, we will have these concerns reviewed with the appropriate department and will correspond directly to the insured. 

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/20/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My name is ****** ***** and I am an employee of ***** ****** ******* in *********** **. On5-21-13 I met with an Aflac rep. *** ******** (###-###-#### cell)to sign up for a Life Insurance policy, Cancer policy, and Hospital Confinement policy. I was informed that the Cancer and Hospital premiums would be withdrawn from my payroll check on a bi-weekly basis. I was also informed that the Life Insurance premium would have to be drafted monthly from my personal checking account in the amount of 57.08. I signed the papers on 5-21-13, and the policies effective date would be 7-1-13 per my receipt that I rec'd from *** ********. On 8-26-13 while checking my bank account balance, I noticed that AFLAC had withdrawn 2 premium payments for the month of July. I immediately called them to inquire about the error, and to inquire about my life insurance welcome packet that I had not yet rec'd whcih was pertinent since it would have all of my information including policy#. After giving the customer service rep all of my identifying information, he was unable to pull up a life insurance account for me. I assured him that there must be a mistake, as my acct had already been drafted for 4 payments. After spending 1 hour on the phone with them, they were still unable to locate my life policy. I immediately informed them that I wanted to cancel my policy, and they told me that they were unable to cancel my policy because they could not locate a policy for me. I have been been frauded out of 228.32 worth of premium payments that have been drafted out of my checking acct for a life policy that does not exist. I can't help but wonder what would have happened if God forbid that I would have died only for my family to find out that no policy ever existed. I am furious. I have bank statements upon request that show the drafts. While you are conducting the investigation, please ask them how can they morally were able to draft my acct every month for a life policy that does not exist.

Desired Settlement: I would like a refund of my premiums paid for a policy until this very moment, they have not been able to locate. ON today 8-29-13, I had to call my bank BB&T to put a stop payment on any future drafts that would come from AFLC. This cost me an additional $35. Totaling= 263.32 that I have been frauded out of by AFLAC. I WANT MY MONEY BACK!! I could have died, and to know that a compnay that I trusted with my life could let me down in the most distressing way.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review these concerns and we will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had life insurance as well as short term disability through the company I was working for and back in 2012 my life insurance was cancelled because I didn't no longer work with the company any more and so they still allowed me to keep the short term disability but not the life insurance and when I contacted them back in 2012 they advised me that I was no longer able to keep the life insurance but didn't give me a real reason and I had sent in emails for almost over a year time and still no response but when I called back in on Aug 28,2013 the rep advised me that it was a piece of information that was missing but that was not correct because everything was the same except for the way that the payment was going to be deducted. And when I called back in 2011 and 2012, they told me that I couldn't no longer get insurance. Which I didn't understand, how am I able to keep one policy and not the other I feel like the money that went into the policy just went down the drain and I would like something reimbursed back to me because the information that I have gotten just seem to be unfair so on the life insurance that was that was six years of my money went down the drain and for this short time disability its eight years that's going down the drain.Its not fair that you told one thing and then you told another by someone else. Pull the tapes from all the times that I have talked to a rep after the insurance was cancelled and you will see that nobody can give you and real explanation but to call the agent or give me her email. Why will I continue to call her if im no longer with the company that it was set up through. That's why Im contacting customer service

Desired Settlement: If I can get back what I put in the I will be okay

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/9/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: May 14,2013 I meet with Aflac representative **** ********. My school requires us to have accidental insurance. He gave me a quarterly price and informed me once the policy expired I had to go back to him to reinstate/re-enroll. I informed him that I would no longer need quarterly coverage, I would only need coverage for the month of September. His response was to still set an appointment to re-enroll but it would be on a month to month policy. He reiterated the fact that the policy would expire and I needed to go back to him to renew it. By the bed of August I had regular insurance and no longer needed the Aflac policy, so I didn't call to set up an appointment to renew my policy. When he took my credit card information and I signed for authorization of my payment, he never mentioned that the policy would be on AUTO-RENEWAL nor did he inform me that my credit card would be charged for such auto renewal policy premiums. He said my signature was for the payment of the current premium. I know of at least 2 other students that have the same issue. I left my appointment with him the following documents, a folder with benefit information and nonpayroll premium deduction authorization form (which is the one he said i was signing to give the payment for my premium) On August 27th 2013, I spoke with his supervisor ****** *******. She stated that he gives clients a welcome letter with a note stating the renewal and cancellation policy. He was not doing/giving that out in May when I went. He failed to inform me of such policy and used false pretenses to acquire my business. I have been in outside sales before, and auto renewal clauses can be deal breakers for closing a sale, but it needs to be covered appropriately with no ambiguity.

Desired Settlement: I was not expecting any charge from Aflac and was currently in the process of changing banks therefore, I didn't have funds in that account. I had already been canceling all EFTs associated with that account. I want any NSF charged on my account paid. Also, I would like for Mr. ******** to be aware of his current sales tactics. Students need this insurance for school and its his responsibility to ensure he goes over important terms ( such as auto renewal).

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On August 5, 2013 I cancelled my policy with Aflac insurance. To this day I am still being billed for a cancelled policy. On August 20, 2013 I cancelled a second policy wit Aflac and are informing me they will not stop billing until after the 1st of September.

Desired Settlement: I cancelled the policy on August 5th which means I am entitled to a refund for the amount they billed my employer on the 7th of August and on the 21st of August - today. Also, I cancelled another policy yesterday which means the billing is stopped immediately. I want refund on that as well. Furthermore, it is not my responsibility to contact my employer on the status of these policies. They are to send this notification to them immediately to stop further billing.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: While working at ****** ******* Inc. I purchased Aflac short term disability as well as hospitalization and cancer insurance because the company was switching to Aflac. Ended up getting a ******, which required surgery. First doctor visit was june 18th, schedualed for surgery on july 8th. Filed all my paperwork for my short term disability, was told they needed a copy of my W2's to settle a discreptinsy between, what my employer told them I earned and what I earned. It has been at least two months and I have yet to see any money for my short term disability. I was released to work on Aug 6th, and contacted by the general manager at ****** *******, and informed that my postion had been eliminated. At the present time I can lift 45 lbs, so have been trying to find work in my field which is, as a mechanic. Hopefully you can help me with this situation as I have yet to pay my august rent or any other associated bills. The agent that sold me the insurance made it clear if I was hurt the very next day I would be covered as I originally had colonial life, short term disability and have never had a problem as I am having now with Aflac.

Desired Settlement: I would like to get what I payed for. As I am on the verge of being evicted from my apartment, also my other bills are pileing up.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My policy was terminated for why? I know that I did not receive a billing invoice and I realized it and called Aflac they told me to get a account rep. which I did. I was told I could be re-instated if I mail in the re-instatment forms with the funds which I did because they do not know what happened on their parts. I have had no response so I thought my policy was re-instated. I mailed in another check just in case because again I did not receive a billing invoice. My account rep. is having issues too as to why this is happening. I have not receive any type of refund from my payments or any written confirmation that I was denied or re-instated. My wife did have a special event and I feel because of that Aflac just stopped billing me for services and terminated my policy without any type of notice. I have had this Aflac policy for 2002 and had no problems at all until my wife had a special event incident.

Desired Settlement: I would like my policy re-instated. I would like the same exact policy that I had. I would like this re-instated from April 2013 the day I mailed in my first payment with my re-instatment forms. I would like to have my policy re-instated and I would like written confirmation. I would like acknowledgement that this was an error on Aflac part.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

******* *** **** *******


 

I received a letter from Aflac first time since 2012 when I began working on this issue. They state in the letter that they sent my letter stating my wife was denied and if I wanted to re-instate myself. Not true. They stated they cancelled my policy because of non payment. I never received a invoice to pay that is why I started working on this process back in 2012. They stated they sent me a refund in May. I never received it. Not true. They stated I never responded so they voided that refund and issued a new refund. Not true. I never received a refund or any type of correspondence from Aflac since 2012. I started contacting them and asked why I did not receive a invoice to pay my premiums.  I have been a member of Aflac for eleven years why would I just stop paying? I believe because my wife had a incident you purposely dropped our policy and in doing so never sent a invoice to me or a cancellation notice if premiums are not paid. I called since 2012 and got the run around and was told to find Account Rep. from Aflac which I did. He also, got the run around and was told I was re-instated in April when I sent in my second re-instatment request form. I never received a letter that I was not re-instated so I sent in another premium because I did not receive another invoice to pay premiums. I was told by my Account Rep. from Aflac that he had to re-search what was going on he also got the run around. I am very disappointed and I would like my policy back for myself and my wife as I had before.  The letter that was sent to me is false. Also, in the letter they are requesting me to fill out another re-instatment form for myself of single parent family plan and send in another premium are kidding me I never received my other funds back.  I am asking that I speak to a supervisor to get this resolved that can help me and be truthful. ******* *** ****** *******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In 2012 my mother passed away of ******* ****** I consulted with a doctor in June of 2012 in reguards to getting a ************. All I wanted was a consult. In July of 2013 I decided to get my ************. I filed acclaim with Aflac for short term disability after 5 weeks of a pending claim I was told that my claim was denied due to pre existing condition. I had this surgery due preventing ******. I have 4 different policies with Aflac and I feel that the company is very misleading with their products.

Desired Settlement: I want what I am due. I pay out of my payroll checks for their services and I feel that I should have been paid for my recovery I have been off work since July 9, 2013 and have to go back to work early from my recovery since I was denied by Aflac my recovery was suppose to be 8 weeks. They claim they pay you while your off and pay your bills well my bills are not paid.

Business Response:

Good morning,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/22/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac refussed to return $101.87 to my checking account after I cancelled 2 of their policy's that I had. They drafted $101.87 from my account after I had terminated their policy's. Aflac said they would not return money they had taken for the following month. That is stealing. They need to return the money.

Desired Settlement: $101.87 needs to be refunded to my checking account.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/12/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have cancelled our many policies due to misrepresentation of services provided. I'm still having trouble getting a refund of $28.99 since June 26, 2013. The rep says it will take another 7-10 business days for a refund. I will file a complaint to the BBB about this company. Together we can stop these companies from taking our hard earned money freely only to give us empty promises. Thank You ! ! !

Desired Settlement: Full refund with interest for failure to make a refund that was not authorized to be automatically deducted from our account.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/12/2013 Advertising/Sales Issues | Complaint Details Unavailable
8/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased Aflac supplemental insurance about a year ago. I paid through bank draft each month. The policy is supposed to substantially cover you in the event of an accident. On 7/14/13 I was in a serious accident and made a claim. After weeks of waiting I was told I would receive $135. This doesn't even cover the doctors visit. When I was sold the policy I was told that there was no specific pay rate, it varies on how severe the accident is. The agent gave examples of how much money, and some incidents were policy holders received hundreds for small acccidents. Aflac mislead to think if I was in and accident my bills would be some what covered. $135 to not even cover the initial doctor visit. This is false advertising and misleading.

Desired Settlement: I want my money back for for the past year.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/6/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My wife ****** ******* had surgery over 2 months ago. We have the Hospital Indemniy plan that is suppose to pay for each day she is in the hospital. According to our policy for sickness it is $400 per day plus a daily hospital confinement benifit of $100 per day. The plan also covers the surgery itself, it was an open procedure that was suppose to pay $750 for the procedure. We have been back and fourth with Aflac for the last 2 months. We did finally recieve a check on July 29,2013 for $200. The say I was In the hospital for One day and it was out patient. This is not true. They also have not paid us for any of our follow up visits. Those are supposed to be paid at $35 per visit.I would greatly appreciate your help in this matter.The policy # is ********

Desired Settlement: I would like them to may us as our policy States they owe us.

Business Response:

Good morning,

We are in receipt of this complaint and have forwarded to the appropriate department for further review.  Due to privacy regulations, we will correspond directly with the policyholder.

Thank you,

** ******

Consumer Response:

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

******* *******


 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

8/5/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I filed a claim with Aflac under my hospitalization insurance policy on 7/3/13 all paperwork was given to my representative directly. I was told i should have a check within 10 days. I ask the rep why it takes so long the website states{ 4-6 business days}. I told the rep ok that will be fine i understand there busy. It now is 07/18/13 and I have called Aflac on 07/17/13 (representative ***** )and was told they haven't even reviewed my claim yet and that they only do them in the order there received. My clain was received 07/03/13. If you advertise 4-6 days then it should be 4-6 days and if it takes longer you should call and explain why ! note all my paperwork including billing numbers were given to my rep

Desired Settlement: I WOULD LIKE MY CHECK FIRST OF ALL AND I WOULD LIKE THEM TO REMOVE THE ADVERTISING CLAIM OF 4 DAYS

Business Response:

Good afternoon,

We are in receipt of this complaint and will forward to the appropriate department for review.  Due to privacy regulations, we will correspond directly with the policyholder.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: ******* ******** sold me the policy indicating I would have AFLAC coverage for sickness, injury, indemnity and I was told the policy benefits were effective 12/1/2012 and the premiums were deducted from my payroll effective 12/1/2012. I signed up for this coverage on November 14, 2012 at ********'s Restaurant with the permission of my employer. It was mandatory that each employee needed to listen to the options available to me, as an employee, and I opted in to the AFLAC benefits and gave my permission for payroll deductions for the premiums. On December 14, 2012, I was hospitalized and discharged as an inpatient on December 19, 2012; I was again admitted as an inpatient on December 26, 2012 and discharged on December 29, 2012. For both of these hospital stays, I have submitted my claims through ******* ******** of AFLAC and have been denied my benefits. I called Mr. ******** directly, I asked how to submit my claims, he indicated to submit the information to him on the claim forms he himself sent me. I submitted my completed forms to Mr. ******** by fax on December 19, 2012 and for the second hospital stay on January 10, 2013. I took the forms for the first hospitalization and personally delivered the blank forms to my physician for her to complete these and my doctor did complete these forms on the following day. I went to my Doctor's office to collect her completed forms and I faxed those forms myself to Mr. ********. For my second hospitalization, I again faxed my completed forms, provided to me again by Mr. ******** and again took my forms to my physician, who completed them on the following day. For the second hospitalization, I faxed the forms completed by my physician directly to Mr. ********. I began to follow up with Mr. ******** about the benefits I expected to recieve, but had gotten nothing. Mr. ******** indicated he made an error in the forms he sent me. The forms were headed SICKNESS and he said I should be completing forms indicating INJURY. My hospital stays were NOT for an injury, but indeed for a sickness. Mr. ******** then began telling me he did not sign me up for Sickness coverage and that my benefits were not to begin until January, 2013. This is a misrepresentation of what he quoted to me and I accepted when we met on November 14, 2012. To date, I have received no benefits, but monies continue to be taken out of my payroll check for the premiums for this coverage. Product_Or_Service: AFLAC benefits for time off work Order_Number: ********* Account_Number: ******** and *******

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want my benefits paid to me for the two periods of hospitalization.

Business Response:

Good afternoon,

We are in receipt of these concerns and will have the appropriate department review.  Due to privacy regulations, we will correspond directly with the policyholder.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On May 31st, ******* *******, an Aflac Rep, came into my place of work explaining the different policies and benefits of Aflac insurance. I did not have any coverage at the time so I decided to sign up. Mr. ******* briefly went over each policy and had me sign some paperwork. He explained that everything I was signing he would email to me. I had opted for auto-draft so the payment would come out of my bank account. He explained to me that the payment would come out the 15th of every month. Let me just say that Mr. ******* was very polite and my complaint is not about him. A week went by and I never received the email from Mr. ******* containing the paperwork I signed. On June 7th a payment was pulled from my account from Aflac. I immediately called Aflac and asked why a payment was taken from my account on the 7th and not the 15th and also explained I never received the paperwork from Mr. ******* or my policy documents. They apologized and told me that they did not know why Mr. ******* told me he would email me the paperwork I signed because thats not what the procedure is and that my policy were being mailed to me. June 12 I still have no documents, I called and cancelled my policy. The Aflac rep told me that I would be receiving a full refund within 7-10 days. It is July 17th and I have not received anything from Aflac, I have call four times and each Rep tells me different things. I would just like my full refund. I have heard really great things about Aflac and I am disappoint ed that I did not have a good experience.

Desired Settlement: I would like a full refund of $110.40. I cancelled my policy before it was in affect.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I filed my complaint with the BBB on Wed July 17th. A rep from Aflac replied, saying they would contact me personally. It is now July 22nd and no one from Aflac has tried to contact me to get my matter resolved nor have I received my refund.

Regards,

******** *******


 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder by letter.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

8/2/2013 Problems with Product/Service | Complaint Details Unavailable
8/2/2013 Problems with Product/Service | Complaint Details Unavailable
7/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i have purchased 3 policies from this company for illness my spouse was ill on 3/26/13 hospitalized for one month 5 day in ICU was septic and i was told by ******* **** that because it was only a ******** ********* that it would not be covered...i should have at least been paid the hospital benefits...be cause of this i have been evicted from my home about to loose my car and had to at age 54 move in with my son and his family. My husband will be in recovery for up to 1 year. And from wonderful Aflac we go NOTHING! This is the second complaint that i amfiling i filed my first on 5/20/13 and still other than we may be able to get you a wellness benifit have not recieved even an answer. I should have dropped Aflac after it took me 2 years of fighting for the **** ***** *** surgery my spouse had. Aflac SUCKS and I would not even recomend them to my worst enemy! Account_Number: ********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want paid my hospital benefits that are rightly due to me and I am also writing the insurence commission and the attorney general's office about this sceme that Aflac has going to take hard working consumer's monies and not do what is promised.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have these concerns reviewed with the appropriate department and will correspond directly with the policyholder.

Thank you,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/29/2013 Problems with Product/Service | Complaint Details Unavailable
7/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My son was born on September 26, 2012. I sent a request to my agent on October 21, 2012 to have my son added to my AFLAC policy. According to my policy, he is covered for the first 30 days under my policy and I have 30 days to request that he be added to my policy. I made this request in writing and have provided the company with e-mail documentation of this request. The agent apparently missed the request and when I followed up a few days later, the 30 day window had expired. AFLAC ultimately added my son to my poicy, but it wasn't effective until January 1st, so now the pre-existing condition clause is in place. According to my policy, if I request within 30 days, he should be covered from birth, therefore no pre-exisiting conditions. I have offered to forward any premiums needed immediately. I have provided all e-mail correspondence with my agent and can provide it again.

Desired Settlement: I would like the effective date of my policy to be the date of my son's birth. I will immediately forward any outstanding premiums for November and December. If this is not possible, then I would like to have my policy terminated immediately. I asked to have my son added to the policy following a hospitalization on October 20. If the policy is not going to cover anything due to pre-existing conditions, I am not interested in the policy.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/29/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have tried to cancel insurrance / Critical illness and accident policy since May 15th 2013 I have called 3 times and faxed their form they requested twice. They keep telling me they never received the faxes. I have fax confimation's that they gave me to send it too. When I called again today 7/17/13 she said they gave me wrong fax numbers to send it again and it would be another 45 days before it gets cancled so in other words I have to pay for this again. I want it stopped. It's not just me but another coworker this is happening to as well.

Desired Settlement: I just want this stopped. I want my money back since the first request I made in may. I understood it would be 45 days but this has been going on now for 3 months.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am currently 25 week pregnant and a single mother. In 9/2012, I enrolled in a short term disability policy and a cancer policy with AFLAC through my employer. Moneys were deducted out of my paycheck every month to pay on these policies. In Feb. 2013, I became pregnant and called AFLAC to inquire about my STD plan for pregnancy. They informed me that my policies have been terminated since the time I originally enrolled and therefor are inactive. Someone had been mishandling my account, as I had made continuous payments monthly and have proof. It took approximately 1-2 months for AFLAC and the HR representative from my employer to resolve this issue. On March 5th 2013, both policies were reactivated and retroactive. Unfortunately, during that entire timeframe, I was unable to file any claims. On March 18th, I enrolled to "AFLAC ALWAYS" providing AFLAC with my VISA credit card for automatic payment in attempts to avoid further complications and termination of policies, as I separated from my last employer. I have proof of enrollment and was assured my account would remain active. On June 18th however, I called AFALC to again inquire about my plan and was again informed they are TERMINATED due to non-payment. I have numerous reference numbers of individuals I spoke to regarding this matter. I was informed that there was a problems with there computer system, which as a result, did not process my credit card on file. I was never notified in writing that my policies would be or had been terminated. I was offered an apology and refused a refund of the total amount they had collected from me. I have been paying AFLAC since 2012, although having an inactive policy throughout the duration of time. They mishandled my account and terminated me without warning and I am 25 weeks pregnant. I have spent hundreds of dollars and have been provided with no service to date. AFLAC has hundreds of complaints online related to similar issues and I am requesting a full rend. I have documentation to prove all of this.

Desired Settlement: Full refund in the amount of $600.00, This is money paid to you since 9/2012.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department for further review and will correspond directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear be

Again,

I need a response regarding my refund. I am no longer a costumer of your and therefore, there should be no privacy issue. Your response is just an attempt to no address my issue. I have seen several hundred complaints posted online about AFLAC, who had similar experiences with your company. Please advise as to how you plan on handling my matter. As I said, I am sinle, pregnant and have now lost my short term disability insurance due to your improper handling of my policy.

Regards,

******** ******


 

 

Business Response:

Good afternoon,

We are in receipt of these concerns and will forward to the appropriate department.  Due to privacy regulations, we will correspond directly with the policyholder.

Thanks,

** ******

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/23/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a supplemental "Critical Illness" insurance policy with Aflac. The insurance covered critical illness suffered by policyholder. I suffered a ****** on March 3, 2013. I was in ICU for 3 days and the hospital for a week. I sent claim information to Aflac and I was denied. I was sent a paragraph from the policy that states that policyholder must have "permanent" clinical damage. This was NEVER stated when the policy was being sold. I believe Aflac is being "deceptive". I would have never purchased a policy that states the only way a claim is paid is if you have "permanent" damage. Aflac is purposely not stating this in order to sell policies.

Desired Settlement: I would like my claim paid.

Business Response:

Good afternoon,

We are in receipt of BBB complaint # *******.  Due to privacy reasons, we will review the concerns and respond directly to the customer.  Thank you

 

** *****

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/23/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I left my previous employer, October 15, 2012. Prior to my departure, I sent an email to Mr. ***** ******* informing him of the change and requesting that he ensure any necessary changes be made. I was assured this was taken care of. In November, I received an email stating that my coverage was showing terminated from the office policy. This made sense, so I contacted AFLAC directly and made a payment that would cover my premiums through 12/31/2013. Throughout my communications with Mr. ******* it NEVER was brought to my attention that I had a sub-par short term disability plan, one which did not coincide with my level of pay. He was well aware that this plan was purchased specifically for the maternity leave aspect of the product. On 5/15/13, Mr. ******* and I met for lunch to discuss my benefits. As this meeting had been scheduled 2-weeks prior, I found it strange that he was not prepared with my actual benefits. During the meeting he stated that my pay-out benefits would be based on my previous employers rate of pay ($44.00 an hour). This sounded accurate, so I let him know I would await his email confirmation. Later that same day, he emailed stating I would receive ONLY $800.00 for my entire maternity leave!! This does not cover even one week of pay. When I asked him why, he stated that ** law only permits 72% of a subscribers pay be reimbursed. When I worked at my previous employer, they had a STD plan in place, that I also participated in. Because of this he had to calculate my benefits based on this rule (I've since spoken with 3 other STD representatives that state there is no such "Law"). Consequently, the other STD has no portability.This was the first time I had heard of this provision and further, that this was how HE set-up my account. When I asked him why he had not informed me of this & had not updated the coverage when I specifically asked him to, he stated I should have given him more information! Isn't HE the one who knows what to ask to proceed in this case?

Desired Settlement: I request that the benefits of 72% of $44.00 an hour be honored, as this was the product that I was sold. I am willing to work with AFLAC tomake this as fair as possible. What is a very large sum in my personal income, is a very small drop in the corporate bucket of AFLAC, so Ihope they will be responding with heart and