Have you had any bad experience with AFLAC?

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PostPosted: Fri Dec 26, 2008 10:14 am   Post subject:   

Well, Aflac insurance policies aren't available online. Therefore, you are required to meet the Aflac agent personally in order to know more about the policy details.



Keep in mind that Aflac health insurance policies are only supplementary policies and not the mainstream health plans. this additional coverage can be used to plug the holes in the health plan.



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PostPosted: Sat Dec 27, 2008 4:03 am   Post subject:   

Was hoping trying to help would stick around and go into more detail about how to get into an Aflac policy and what the benefits are to having this type of policy in place.

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PostPosted: Sun Dec 28, 2008 10:05 pm   Post subject:   

Insurance Maze IS RIGHT ON, you can cancel anytime,

(Insurance Maze "If you bought the insurance at work, all you have to do is to tell your manager or HR person or plan administrator to stop deducting the insurance premiums from your paycheck.")



Also ("Wow Insurance Maze doesn't not know what she/he is talking about! I am an Aflac Policyholder. I also am in the HR department")



I feel she is probably getting a bonus on keeping employees hooked!

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PostPosted: Sun Dec 28, 2008 11:49 pm   Post subject:   

That could very well be. Usually if you contact someone in your works office they can get this taken care of. That is if its through your work. I can not see where the trouble is in ending the policy. I could see if you were trying to get anew one after canceling a policy.

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PostPosted: Mon Dec 29, 2008 11:06 pm   Post subject:   

This is really the only exposure that I have had with aflac besides them coming to our yearly event, it is usually offered through a work plan, so common sense would say that you would cancel it the same way that you signed up for it.

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PostPosted: Tue Dec 30, 2008 6:01 am   Post subject:   

Well, ADELICATEIMAGE, you seem to have quite a knowledge with AFLAC Very Happy thanks for sharing your views with us. Also, the comment that you have made regarding the company has forced me to ask,



Quote:
I feel she is probably getting a bonus on keeping employees hooked!




Have you had any bad experience with AFLAC? Would you recommend their policy to others? I've been approached by AFLAC through my employer, but not feeling very confident about them after reading this discussion.

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PostPosted: Thu Jan 01, 2009 9:01 pm   Post subject:   

My experience with aflac has also been positive, my husband had and one of our dogs tore up his arms to the bone, was off work for like two weeks, a real mess and aflac came through very quickly and with little claim forms. It was a real easy process. When his company was bought out the policy went away.



When they come to our event this year, I am gonna pick up some information on individual policies and what it cost to do an individual or family plan.

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PostPosted: Sat Jan 03, 2009 6:21 pm   Post subject:   

I was under the understanding that an AFFLAC policy had to be purchased through a work place. If you have a policy that is like AFFLAC that is given to you from your job can a person purchase a seperate policy like this on their own or would this be like double claiming? Whe you get your information maybe you could stop back at this post and give us some rates.

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PostPosted: Fri Jul 17, 2009 1:52 pm   Post subject:   

Quote:
"Open Enrollment" has NOTHING to do with canceling coverage in any way, shape or form. Open enrollment deals primarily with (Section 125 plan or not) an employee's ability to get into employer group and after-market plans (such as Aflac) without having to worry about health or other qualifying concerns. It has nothing to do with getting OUT of a plan.




you couldnt be more wrong InsTeacher. Since it's a pre-tax benefit the government requires you to wait til open enrollment to cancel. Dont ask me how i know this.

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PostPosted: Mon Jun 28, 2010 11:40 pm   Post subject: Another AFLAC question...  

My apologies for this not being 'a reply' however it does pertain to AFLAC. For years through my work I had an AFLAC policy until a year ago when I was trying to save money any where I could and cancelled it. It had a wellness plan as part of it, where if you sent in documentation (exam results) of certain tests you had to for the prevention of certain medical problems such as mammograms, colonoscopies that they would send you $25 or $50. However to get a form to complete from AFLAC to send with your results was a nightmare and I just put off fighting with them. Recently someone told me that I'm still entitled to those wellness payments and I don't need any form, that I can just mail them in with my policy number along the top and that will work. Is there any truth to this? If so does anyone know the address to send the results to and if a form is necessary...how do I get one? This of course all depends on whether I am still entitled to the funds. Thanks for any words of wisdom.

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PostPosted: Mon Aug 16, 2010 7:46 pm   Post subject: enrollment  

Well I am going thru this ordeal right now & the Aflac assosiate is telling her she can't get out of it for a year at "open enrollement" after she opened her paycheck & bout dropped dead of the money that was being taken. So I have a meeting with this sales associate Thursday. Could use some advice on whaT to say to have this stoopped. I know laws vary from state to state I'm in Ky. You can email me @ dougeldridge65@yahoo.com. thank you.


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PostPosted: Wed Aug 18, 2010 2:06 am   Post subject:   

While insurance laws do vary from state to state, I know of no state laws in any state that force a person to keep their insurance involuntarily. We know insurance contracts as "unilateral" -- that is, only the insurer has made promises that must be fulfilled. You force the insurer to honor its promises by paying premiums, and you allow the insurer to avoid a claim when you fail to pay premiums.



This is not a matter for the agent to handle, it is a matter for your HR department. Go to them and cancel your deduction. When they send the premiums to AFLAC each month, your name and payment will drop off the census, and your coverage will terminate.



If HR refuses to cooperate, then contact your State Department of Insurance to file a complaint.



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PostPosted: Wed Sep 29, 2010 2:43 pm   Post subject: AFLC ETC  

Yes, get out of AFLAC like I am trying to do. Run. Yeah, the policies are great for people that don't budget and have no emergency plan. Those who are responsible with their money and are not living life paycheck to paycheck with credit card debt don't need this type of coverage. If I had invested the money I have put into AFLAC, minus the Wellness Benefit they pay annually, even in this bad economy, I would have more than doubled that money thus far in a moderate mutual fund. I could be making more off that money at this point than what I put in annually and the amount I would have sitting there for me would now be more than any benefit they would pay me. It is a good investment... for them, a bad investment for me.



If your policy is a pretax policy, such as mine, you do have to wait until open enrollment periods to cancel, but I am going to ask our payroll administrator to verify this with the accountant today.


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PostPosted: Wed Oct 20, 2010 7:13 pm   Post subject: section125  

your employer will have to pay apently because you and them are geting a tax break so please talk with your employer before cancling your taxes will go up


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PostPosted: Sat Oct 30, 2010 12:20 pm   Post subject: canceling policy  

This all depends on if it is pretaxed thru your job,if this is the way you have this policy you have to wait until open inrollment if not you may cancil any time ck with aflac 1-800-99aflac they can tell you your ops. sorry to here you want to cancel im sure when you took it out you felt like you needed it .what kind of policy is it ?did you send in for your wellness benifit or is this life ins hope this helps if I can help you with this you can pm me and I will do my best to help you

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