aflac Took Money From My Paycheck For 3 Years Without My Knowledge New York, New York

You didn't look at your paycheck stub for *3* years? I have direct deposit too, and I look at it every single week to make sure its right. How do you even know your employer paid you right in that time period? I'm pretty sure on something this old, that aflac won't give you your money back.

And yet it only took you 3 years to discover this.  There's a lot of air floating around in THAT head.

I do not check my paycheck stubs, as it is direct deposit.
- Dumb..Dumb..Dumb..Oh and just to be clear DUMB.

The fact that you did not look at your pay stub for 3 years does not mean that AFLAC owes you anything.  Had it been 1 or 2 paychecks perhaps you would have a case but 3 years..that is 100% on you.

I had cancelled the very next day and have a co-worker as a witness to this.
- Wow, you can't look at your pay stub but you have a co-worker who remembers the exact date you talked to the rep when you canceled your policy.  Perhaps you should blame the co-worker as well for not telling you to check your pay stubs.

If you tried to "pursue" further action such as filing a lawsuit it would go something like this.
You: I want Aflac to reimburse me for the money they took out for 3 years
Judge: Did you ever look at your pay stubs
You: No your Honor
Judge: Case Dismissed

Your employer withdrew the premiums from your check so your complaint should be directed against them. The insurance company did not withdraw the funds; your employer sent them the money.

You should look at the check stubs more often than once every three years.

Let me clarify, as I only summarized my paycheck stub situation and I didn't know that people would get so volatile over a few missing notations.

1. I get paid the same every week, as long as my bank account reflects this, I have no need to check the stub.

2. AFLAC charges pre-tax(meaning they take the money out before the government does)

3. Up until a month ago, our previous accountant did not put the AFLAC charges on our paystub. We have recently switched to a new payroll company and a new accountant as well.

4. The amount made such an insignificant impact on my pay and was taken out pre-tax that I didn't realize that it was missing. This amount has been taken out since I started working for this company, so combine that with the fact that it did not show up on my paycheck, everything seemed normal to me.

5. YES I CHECK MY PAYCHECK STUBS. But I do not monitor government, state, and social security taxes week by week. I usually look at vacation time, sick time, and if I've worked overtime, that the hours were applied properly.

So stop with "your stupid" and "there must be a lot of air in your head" comments. Ask questions, don't make assumptions. I wrote this hastily as I'm sure most people do when they feel ripped off. I did not clarify specifics apparently.

The AFLAC rep clearly made the mistake here, not I. If anyone would have read above, the rep told me that she had cancelled my policy. Not only that, but obviously someone from the company notated that I "tried to cancel two weeks after the policy period."

Let me clarify, as I only summarized my paycheck stub situation and I didn't know that people would get so volatile over a few missing notations.

1. I get paid the same every week, as long as my bank account reflects this, I have no need to check the stub.

2. AFLAC charges pre-tax(meaning they take the money out before the government does)

3. Up until a month ago, our previous accountant did not put the AFLAC charges on our paystub. We have recently switched to a new payroll company and a new accountant as well.

4. The amount made such an insignificant impact on my pay and was taken out pre-tax that I didn't realize that it was missing. This amount has been taken out since I started working for this company, so combine that with the fact that it did not show up on my paycheck, everything seemed normal to me.

5. YES I CHECK MY PAYCHECK STUBS. But I do not monitor government, state, and social security taxes week by week. I usually look at vacation time, sick time, and if I've worked overtime, that the hours were applied properly.

So stop with "your stupid" and "there must be a lot of air in your head" comments. Ask questions, don't make assumptions. I wrote this hastily as I'm sure most people do when they feel ripped off. I did not clarify specifics apparently.

The AFLAC rep clearly made the mistake here, not I. If anyone would have read above, the rep told me that she had cancelled my policy. Not only that, but obviously someone from the company notated that I "tried to cancel two weeks after the policy period."

your problem is with your employer. They don't note pre-tax deductions on your check? At all? or did they just not itemize them? I'm pretty sure employers can't just remove money off your paycheck and not tell you on your stub. I mean, it should be easy to look and see you have money missing on your stub.

Also, how do you know that aflac didn't cancel it and your employer never got the paperwork or misfiled the paperwork? Aflac may have notified your employer, but they lost it. I mean, if they can't even be bothered to put payroll deductions on your check it sure sounds like they could make other mistakes.

The biggest issue is that its been 3 years, aflac isn't going to do anything at this point unless you have paperwork stating you cancelled it when you say you did. Sounds like you need to chalk this up as a loss.

When you post on a public web site we can only go off of what you write not what you meant to write.  Your original statement was "I do not check my paycheck stubs, as it is direct deposit.", how is anyone supposed to know you meant "Up until a month ago, our previous accountant did not put the AFLAC charges on our paystub."

Do you now see why you got the comments you did?

Whether or not the money is Pre-Tax or Post-Tax it should be listed on your stub.  But even if it isn't on your paystubs, when you got your W-2 at the end of the year the differences in your earnings should have been significant enough to at least have you inquire as to why.

It sounds like you may have more of an issue with your employer than with AFLAC.  With something like this perhaps you should at least think about what else they may not have listed, and wonder if there is more to the story as to why they got rid of the accountant. 

Unfortunately a co-worker with an amazing memory isn't going to override what AFLAC has in their system.  So don't expect them to do anything for you, regardless of how much you push it.  But if on the off-chance they do, consider yourself lucky.

My employer also allows pre-taxed payroll deductions for AFLAC or other insurance companies. I have an AFLAC policy myself (a cancer policy) and the pre-taxed premium payments are deducted from my bi-weekly paychecks.

 

Through my own experience I know that once you sign up for a policy with AFLAC, you also have to fill out a payroll deduction authorization form telling your company's HR department that you want $X deducted from your paycheck each payroll period. Perhaps what happened here is that you informed AFLAC that you changed your mind, but the paperwork was already in your company's HR department so they didn't know you changed your mind and made the payments like the paperwork stated. Had you informed HR at the same time you informed AFLAC, all this may have been avoided.

 

Also, my employer has what is called "open enrollment" periods every year. During this time, we can look at the insurance policies we have and make changes - sign up for new policies, drop current policies. I think this is pretty standard policy so it is important to review all of this information very carefully so that you know exactly what you're paying for out of your paycheck.

 

Also, as others have stated, it's also important to check your paystubs because you never know when a human error or a computer error may occur. It's good to catch those mistakes early.

 

So, in closing, I don't think AFLAC is to blame. Your company sent in the premium each month, so as far as they were concerned you took out the policy and paid for it. And I don't think your HR Department/Accountant/whatever is to blame either if they were not notified that you had changed your mind about the payroll deduction - they were going by the forms you signed and submitted to them.

 

It seems to be an oversight on your part, plain and simple.