I applied for their short term disability plan through my employment.

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Sun Dec 14, 2008 11:56 pm   Post subject:   

Good natured what are these job fairs you are speaking about? Do they have them on a regular basis? Also are they open to the public? It seems like you guys have a lot of different vendors. Do you alos have comapnies like aflac present at these job fairs?

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Mon Dec 15, 2008 3:45 am   Post subject:   

We have job and information fairs, companies like Aflac and other insurance come and present their products as well as any job openings that they would have with their company. It is pretty good, they will sit down with you and discuss your needs and make sure that you have everything in place that fits your particular situation.



It is open to every one, we bust our butts starting in about January and then hold the event around April. We have about 500 or so people show up with about 70 vendors, pretty big deal. It is a long day, but a good day.



The insurance companies that show up are not pushy, people come their looking for the product so they usually end up with a few customers that sign with them or at least take their contact information and hook up with them later.



We also have an event that is strictly for seniors, it is alot different than then this one. But is still highly attended.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

PostPosted: Mon Dec 15, 2008 5:02 am   Post subject:   

Well friends, it seems that where some have great experience with Aflac, the others haven't. IMO it is difficult to know whether or not an insurance company is good till the date you file a claim with it.



Goodnatured, I'd say that you were lucky to get your claims paid by Aflac, because I personally had somewhat a bitter experience with them. I applied for their short term disability plan through my employment. That time I was informed that I'm entitled to receive coverage for pregnancy. However, when I actually got pregnant and applied for the coverage I was turned down since my policy wasn't enough old to offer the coverage.



With Aflac you have to pay premium for ten months before you can turn a claim on, otherwise, you end up with no coverage at the time of need. So, be careful if you're considering Aflac insurance. I personally wouldn't recommend them.


_________________
Register Now to have your Insurance queries solved.
anonymoss
Guest







PostPosted: Mon Dec 15, 2008 7:32 am   Post subject:   

Yes, we had a good experience with them. We only used it that one time when the dog decided to bite my husband bad enough that it required hospitalization.



I don't know if time of policy was an eligibility, could have been though because he had the insurance a long time before using it. That clause may have been there and he met the criteria. Who knows.



sorry to hear that you had a bad experience.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

PostPosted: Tue Dec 16, 2008 1:51 am   Post subject:   

My hubby carried Afflac for a while but after he got this mining job we could see no reason to carry so many insurances when he had great coverage through work. Not only that one time he was injured at his old job and when he took the paper to the Doctor to fill out he said they already filed one with the insurance company and that he could not collect on both. We told him it was explained to us differently but he still refused. Called Afflac and told them and basically got the same thing so we dropped them.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Tue Dec 16, 2008 9:29 am   Post subject:   

So, was it easy to quit Aflac, since it was the query posted by the OP? Firey, have you faced any hardship in quitting them? or was it an easy process? were the reps co-operative?

simon
Senior member
Leave a quick message

simon

Joined: 28 Sep 2005
Posts: 543


93.69 Dollars($)

PostPosted: Tue Dec 16, 2008 1:21 pm   Post subject:   

Hi insurance Maze,



When both tryingtohelp and good natured are voting for Aflac..then I'd love to know your reason for saying -

Quote:
First of all, I congratulate you for deciding to "quit AFLAC". In my opinion, the only real thing this particular company offers is a duck.


I'm even more amazed to see tryingtohelp claiming Aflac to be a prompt payer that even settles inaccurate claims within 7 days. Anything that you may have to say regarding this one?

In case you have any bad experience with Aflac, please let us know about it too!

#PalinRome

_________________
Register Now to have your Insurance queries solved.
#PalinRome
Guest







PostPosted: Tue Dec 16, 2008 9:53 pm   Post subject:   

Simon It really was fairly easy to quit..just called and cancelled it. When they asked me why I had explained that my husband had a job that provided us with all the coverage we needed. I did however go to the bank and sign some slip to keep them from deducting any more money. I was afraid if I didn't they may continue to do so. I remember also they tried to convince me in every way how important it was to continue coverage. I really don't let them go on to long. Mt theory is it's my money and I wasn;t wasting time trying to convince me where I needed to spend it.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Thu Dec 18, 2008 4:14 am   Post subject:   

We had not trouble getting rid of the insurance, you just quit. It was that simple.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

PostPosted: Thu Dec 18, 2008 6:37 pm   Post subject:   

Hi Hannah:



Dropping an insurance policy is generally an easy thing to do: stop paying the premiums!



However, an AFLAC policy is always purchased thru an employer/employee payroll deduction method. So it can be a bit more complicated.



If you are using after-tax dollars to purchase your plan you can instruct your employer to STOP withholding premiums immediately.



If you are paying premiums thru a Section 25 plan, a device that allows you to use PRE-TAX dollars to pay premiums, then you are committed to pay premiums until the anniversary of the 125 Plan. There are certain exceptions to this rule and you should speak with the HR person at your employer's company.



ProAgent

ProAgent
New member
Leave a quick message



Joined: 18 Dec 2008
Posts: 4


2.54 Dollars($)

PostPosted: Fri Dec 19, 2008 12:50 am   Post subject:   

I did not think about that part of it, it did come out through payroll deduction. You will have to contact your payroll department, it really should not be hard to do.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

PostPosted: Fri Dec 19, 2008 9:15 am   Post subject:   

Hi Pro,



Quote:
Dropping an insurance policy is generally an easy thing to do: stop paying the premiums!




Across the board I have read that stop paying premium on a policy isn't a great way to cancel/drop the coverage. It may take a toll on your insurability.



Aren't you required to call and inform your insurer about canceling the policy? And, undergo the proper canceling process?
simon
Senior member
Leave a quick message

simon

Joined: 28 Sep 2005
Posts: 543


93.69 Dollars($)

PostPosted: Fri Dec 19, 2008 6:19 pm   Post subject:   

I agree there. I have heard that especially in the car insurance...if you continually drop coverage then you will pay higher premiums down the line. It may be best to call the office and ask to be let out of the policy.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Mon Dec 22, 2008 3:38 am   Post subject:   

I would think the correct thing to do is to contact your payroll department, they usually have a good relationship with these companies so they will communicate with them of your intentions. If you have had one on one conversations with the agent then it would be a courtesy to let them know that you are cancelling the policy, they would also be able to help you with the cancellation paperwork and any refund you would have coming on their end.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

PostPosted: Fri Dec 26, 2008 2:21 am   Post subject:   

can you get aflac on your own? or do you have to go thru work? I will have to ask the lady that shows up at our event.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.14 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4, 5  Next  
Page 2 of 5


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused