#1 Consumer Suggestion
AUTHOR: Steve - Bradenton (U.S.A.)
SUBMITTED: Sunday, April 29, 2007
POSTED: Sunday, April 29, 2007
Wayne,
You never said what the injury/illness was, and never stated whether or not it was on the job, or off the job that it occured.
You also never identified whether this is a short term disability plan or a long term disability plan.
If it was on the job, ONLY workman's comp can pay.
I see that while living on the street, you still have a computer with internet access.
As far as AFLAC claims go, your agent does not process the claim. The claims dept does. I had AFLAC for 2 years and never had a problem.
It does sound as if you over dramatized your situation. Never provide any statements or information above what the absolute minimum is.
#2 Update By Author
AUTHOR: Wayne - Helena (U.S.A.)
SUBMITTED: Sunday, April 29, 2007
POSTED: Sunday, April 29, 2007
A person can bee on the streets now-a-days and still have internet access. The details are not important... AFLAC IS a rip off!!!
And NEVER call me a liar... I can trace you...
#3 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Monday, April 30, 2007
POSTED: Monday, April 30, 2007
Wayne,
Please supply more details as to the veracity of your claims. Disability is a tricky business and there are many different things that could affect why your claim was denied. Was it a car accident? An on the job accident? Is your policy an "any occupation" or "my occupation" policy? Were you up to date? Did your injury occur PRIOR to getting the policy?
As for your report and your follow up where you basically threaten a responder. He asked questions regarding your claims and you responded with "the details aren't important". Well I beg to differ, they are VERY important. And why would you threaten to "track someone"?
#4 Consumer Suggestion
AUTHOR: Steve - Bradenton (U.S.A.)
SUBMITTED: Monday, April 30, 2007
POSTED: Wednesday, May 02, 2007
Wayne,
First of all, I never called anyone a liar. And, FYI..most libraries I have seen do not let homeless people in. There are many ways they legally accomplish this, and many libraries make you pay for internet usage.
The questions I asked about the circumstances of your claim were valid. However, you know that already and the valid reason you were denied. You are just screaming rip off in retaliation for a valid decision that you happened not to like.
And, I found AFLAC to be a terrific company in the 2+ years I dealt with them.
You wrote>>>>>>>>>>>>>>>>
"A person can bee on the streets now-a-days and still have internet access. The details are not important... AFLAC IS a rip off!!!
And NEVER call me a liar... I can trace you...
Wayne - Helena, Montana
U.S.A.
>>>>>>>>>>>>>>>>>>>>>>>>>>>
Well Mr. Bigmouth, all I can say is DO IT! Go ahead and trace me. Then what? I can GUARANTEE you the outcome you are not expecting.
So, it is now time to put up or shut up. Trace me. I dare you.
#5 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Wednesday, May 02, 2007
POSTED: Wednesday, May 02, 2007
I love when people come onto the internet and claim to be able to "trace" or "find" someone. There really is simply no way to do this with 100% certainty. The reason for that is the only way to do it is to find out the IP address of the poster and then track that through the provider to determine who was asigned that IP address at the time. Of course with wireless hotspots, unsecured wireless networks, IP disguisers, as well as Waynes own "library" idea makes this completely impossible.
But people come on here and spout off nonsense as a way to bully those with differing opinions. You'll notice Wayne doesn't give the details of his case as asked for but instead threatens the person questioning him. Classic tactic to spin.
#6 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Thursday, May 03, 2007
POSTED: Thursday, May 03, 2007
Still waiting for the details of the claim Wayne. Please see the earlier request I made for verification of this "rip off".
I can't help you if you don't help me.
#7 Update By Author
AUTHOR: Wayne - Helena (U.S.A.)
SUBMITTED: Sunday, May 06, 2007
POSTED: Sunday, May 06, 2007
First, i relally don't have time for this bull -- like you punks.
Second, most puiblic and state libraries DO allow homeless people in usually on a 30 minute guest pass (I am on one now!)
To the idiot that thinks it is impossible to hack from libraries. i'll do it from libraies or 'friend's" machine. as I would not be stupid enough to do it from my own account (if I still had one.) While hacking is easy, covering your track is not.
And as for as tracing goes, I do it all the time, but I have no need to trace you unless you really start to upset me. -- and then you'll find out just how painfull being wrong can be.
As for the "details" -- I mean they are not important here. Just stating the fact that AFLAC is a rip off and emailing them the page is enough.
I got my check, but it took this type of action to do it.
It took them over 50 days to pay up -- now figure up how much interest they made on that money in the time they held it and multiply it by a half- million other claims.
And in the mean time I went into bankruptcy, but not to worry. I found a good insurance lawyer!
#8 Consumer Suggestion
AUTHOR: Steve - Bradenton (U.S.A.)
SUBMITTED: Monday, May 07, 2007
POSTED: Tuesday, May 08, 2007
Wayne,
I knew that as soon as you were challenged, you would change your story. Punks like you always do. You are all talk.
And if you were such a good hacker, you could have just gotten into the AFLAC system and fixed things for yourself, right?
Idiots? Everyone here asked legitimate questions which you STILL have not answered. So, who is really the idiot? And, the guy that is calling us idiots is the one who cannot spell or capitalize, etc. Go back to school.
>>Wayne wrote:
"To all you idiots"
"First, i relally don't have time for this bull -- like you punks.
Second, most puiblic and state libraries DO allow homeless people in usually on a 30 minute guest pass (I am on one now!)
To the idiot that thinks it is impossible to hack from libraries. i'll do it from libraies or 'friend's" machine. as I would not be stupid enough to do it from my own account (if I still had one.) While hacking is easy, covering your track is not.
And as for as tracing goes, I do it all the time, but I have no need to trace you unless you really start to upset me. -- and then you'll find out just how painfull being wrong can be.
As for the "details" -- I mean they are not important here. Just stating the fact that AFLAC is a rip off and emailing them the page is enough.
I got my check, but it took this type of action to do it.
It took them over 50 days to pay up -- now figure up how much interest they made on that money in the time they held it and multiply it by a half- million other claims.
And in the mean time I went into bankruptcy, but not to worry. I found a good insurance lawyer"!
Wayne - Helena, Montana
U.S.A.
>>
#9 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Monday, May 07, 2007
POSTED: Monday, May 07, 2007
Wayne,
The details of your posting are the onyl thing that ARE important here. The fact is you went to a public forum and posted your post. The public answered your post and askd for clarification. You refused to give any information regarding your claim. You went on to threaten a poster who didn't believe your story.
The reason the details are important are disability policies can be very involved, and notknowing the full details render us useless in trying to help you solve the problem
Now, as far as "hacking" or "tracing" someone.
1. If you are that good at computers, why are you unemployed?
2. Tracing an IP address means nothing. I use an IP spoofer that changes my IP address every 3 seconds to a non-existant one.
3. Hacking means breaking into a website/computer that is not yours by circumventing security protocols. It's also a felony.
4. What if we are posting from the library, like you? What would tracing anybody (not that I believe you) do besides lead you back to the library.
Please, enlighten me, post my IP address. My full name, my address. Anything to prove your claims.
#10 Update By Author
AUTHOR: Wayne - Helena (U.S.A.)
SUBMITTED: Thursday, May 10, 2007
POSTED: Thursday, May 10, 2007
No, i'll just send someone to you home. that should be plenty of proof. I'm not stupid enough to tell the tricks of my trade here.
REAL tracing -- not IP. physical location and such -- name of children's schools and such.
#11 Consumer Comment
AUTHOR: Sherri - Piedmont (U.S.A.)
SUBMITTED: Thursday, May 10, 2007
POSTED: Thursday, May 10, 2007
Perhaps some of his "people" can give a loan in order to secure a new place to live...
For some reason I don't think Steve is sweating "Wayne" and his threats and is probably laughing his a** off at them.
#12 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Friday, May 11, 2007
POSTED: Saturday, May 12, 2007
Hey Wayne, you do realize you just committed a crime right?
And as far as doing a people search and finding me or sending someone to my childrens schools..
Since you are Mr. Super COmputer Wizard/Private Detective:
1. Do I have children? How many? How old?
2. If I do, do they attend public or private school?
3. Gimme the street I live on.
Now as for the threat you just made on me and my family. Big mistake buddy. As a former Marine who respects and utilizes his right to bear arms, and who qualifies every year as "expert", I would highly recommend letting this one go.
#13 Consumer Comment
AUTHOR: Erikson - Warsaw (U.S.A.)
SUBMITTED: Saturday, May 12, 2007
POSTED: Saturday, May 12, 2007
Wayne, you have already been made to look the fool on this thread. Don't add a clown to your resumé.
Mike is right. just by issuing the threat you have committed a crime. However, as Mike pointed out, you may receive an unexpected response should you actually follow-through with your threat. Oh and FYI Steve lives in a state where obtaining a licensed firearm is ridiculously simple. You may not want to trek to his neck of the woods, either.
#14 Consumer Suggestion
AUTHOR: Pete - Medford (U.S.A.)
SUBMITTED: Monday, May 14, 2007
POSTED: Monday, May 14, 2007
Hey you guys, take this guy seriously!
In case you "idiots" don't go to the movies, go out and rent "The Matrix". Expert homeless hackers like Wayne can tap into your brain and kill you from the basement of their local public libraries.
The "people" he sends out are just like Agent Smith, the dude in the dark glasses and black suit. They are like little white blood cells, systematically attacking AFLAC sympathizers all over the country.
You guys think I'm joking? Reach into your noses and pull out that big red tracking device!
You'll see!
More power to ya, Wayne. Good to see ya putting that 30 minute computer pass to good use...
#15 Consumer Suggestion
AUTHOR: Steve - Bradenton (U.S.A.)
SUBMITTED: Tuesday, May 15, 2007
POSTED: Wednesday, May 16, 2007
Wayne,
You suffer from delusions, as do many homeless people. Your reality is different than ours. You should seek mental health help right away.
Your "threats" are hilarious at best. There is absolutely no possible way to trace someone from this forum without Ed's help, and I am extremely confident that won't happen.
FYI..I used to do union organizing when I lived in Vegas. I organized huge mob owned businessess, and I have heard every threat out there. Guess what, I'm still alive and well. The bottom line is, those who talk about it, don't do it. Those who do it, don't talk about it. That's the way it works in the real world.
I'm [still]right here waiting on you. You are a pathetic little impotent punk. I suggest you not make threats you cannot follow through on.
>>>>>>>>>>>>>>>>>>>>
Right
No, i'll just send someone to you home. that should be plenty of proof. I'm not stupid enough to tell the tricks of my trade here.
REAL tracing -- not IP. physical location and such -- name of children's schools and such.
Wayne - Helena, Montana
U.S.A.
>>>>>>>>>>>>>>>>>>>>
#16 Consumer Suggestion
AUTHOR: Mike - River Edge (U.S.A.)
SUBMITTED: Monday, May 21, 2007
POSTED: Monday, May 21, 2007
Hey Wayne, what happenned? I'm still waiting for you to "track" me. LOL I made some tea and bisquits but they are cold now, let me know when you will be following through on your threat to find me and I'll make some more.
In the meantime, a piece of advice. Don't post a complaint to a public message board if you don't want people to ask questions. Find out the details of your policy BEFORE you sign up for it.
#17 Consumer Comment
AUTHOR: Marianne - Council Bluffs (U.S.A.)
SUBMITTED: Wednesday, May 23, 2007
POSTED: Wednesday, May 23, 2007
iT IS A JOKE OF A LEGAL RIPOFF COMPANY . i HAVE NO CLUE HWO THEY ARE IN THE FORTUNE 500! THEY DO THE SAME *&*& TO THEIR OWN EMPLOYEES!!!
tHE DUCK SUCKS!!
dON'T BY THE DUCK IT IS DANGEROUS TO YOUR HEALTH AND FINANCIAL STATUS!!
THEY SUCK DONT BUY THE DUCK!!
#18 Consumer Suggestion
AUTHOR: Jack - Albuquerque (U.S.A.)
SUBMITTED: Sunday, December 23, 2007
POSTED: Sunday, December 23, 2007
It seems to me that several people here have posted a complaint about Aflac, yet fail to outline the specifics of these complaints, other than to say that the "duck sucks". While entertaining, it does a serious disservice to a company that has built a solid reputation for helping consumers with supplemental insurance needs.
The benefits of Aflac policies far outweigh the petty complaints posted here. One consumer stated she could not understand how Aflac could be a Fortune 500 company. To begin with, they pay their claims, based on the parameters of the policies - over $6 billion worldwide annually. Quite an accomplishment, actually.
Additionally, these policies are designed to supplement standard health care coverage, not replace them. I have yet to see medical insurance pay a consumer for an accident, cancer screening, or reimburse a co-pay. How many medical insurers will pay an insured for experimental cancer treatment or a second opinion? The coverages offered by Aflac are outstanding, cutting-edge - keeping up with today's needs, and fiscally reasonable, plus the premiums do not increase annually the way medical coverage does.
Frankly, it sounds to me like anyone who has a complaint with Aflac hasn't read their policies, doesn't understand what little they have read, or simply doesn't understand the concept of supplemental coverage. My suggestion is this: if you don't understand it, ask questions until you do understand it. Get a copy of anything you sign and agree to, including any and all riders to any policy you purchase, regardless of whom the insurance company is. That way, you will have all the tools at your fingertips to know exactly what is and what isn't covered.
#19 Consumer Comment
AUTHOR: Stacey - Dallas (U.S.A.)
SUBMITTED: Sunday, December 23, 2007
POSTED: Sunday, December 23, 2007
To pick up costs that my dental insurance does not - they are great
I pay my monthly cost and never had a problem
I do not think AFLAC made you homeless and I do suspect that you are indeed not homeless
Stacey
#20 Consumer Suggestion
AUTHOR: Defendtruth - Killeen (U.S.A.)
SUBMITTED: Saturday, February 02, 2008
POSTED: Saturday, February 02, 2008
If you're a prospective Aflac policyowner or a business owner considering Aflac, ask a real policy owner or business client the benefits. Don't go here.
Aflac agents can only offer the plans. If employees buy the wrong coverage or don't want to listen to the benefits overview, it's not the agent's fault.
Make sure you ask the agent any questions you don't understand. You're not stupid for asking. Agents took classes, had to get licensed, it's there job to know, not yours.
But an informed policyowner is a very happy one. Also you can get references by contacting your local RSC.
http://aflac.com/us/en/find_sales_office.aspx
Smart shoppers don't shop here. Go to the source. Aflac is bound by laws, and can't stay in business ripping off their client base.
#21 Ex-Employee
AUTHOR: Casey - Phenix City (U.S.A.)
SUBMITTED: Tuesday, May 27, 2008
POSTED: Tuesday, May 27, 2008
I used to be a claims auditor for Aflac's accident policies. While I did not process disability claims, I can assure you that we were trained and instructed to pay every benefit possible while reviewing your claim. Our decision to pay, pend or deny is based on your policies' wording and the information that you send in. My experience is that the majority of the policyholders that had complaints was because the failed to read their policy before they signed up for it. You will be suprised and the claims we received. For example, if you have a covered accident and require a medical appliance to aid in movement, you would receive an appliance benefit. We received a claim from a policyholder where she sent in a receipt from where she bought a washing machine and wanted her appliance benefit. Its frustrating when you bend over backwards for customers and they call you a scam artist because of their own ignorance. On a brighter note, the positive feedback from the majority of our customers made us want to do an even better job for them. One of the biggest and stupidest mistakes I made was leaving Aflac for a management position elsewhere. Aflac is not a perfect company, I had a few complaints of them myself, but they did strive to continue to make things better. While I feel for what you are going through, it is not Aflac's fault.
#22 Consumer Suggestion
AUTHOR: District Manager - Capitol (U.S.A.)
SUBMITTED: Wednesday, June 25, 2008
POSTED: Wednesday, June 25, 2008
I am a former AFLAC manager. They have had numerous complaints, and always will.
AFLAC spends the most money on advertising (of course, you the policyholder have to pay for that in high premiums...), so you should shop for a better company.
Look at Colonial or Allstate. Better rates, higher benefits, MUCH higher customer service.
Did I mention MUCH higher customer service with the other companies? AFLAC is not even in the top 5 supplemental insurance companies.
Most AFLAC managers like myself find better companies and make the move so we are able to actually help clients.
#23 Employee
AUTHOR: Debbie - Henrico (U.S.A.)
SUBMITTED: Friday, April 03, 2009
POSTED: Friday, April 03, 2009
I just wanted to correct a statement made by "Former Manager" (why didn't he tell us his first name?) that Aflac isn't even in the top 5 for supplemental insurance companies. Aflac is actually Number 1, yes, ONE, over all supplemental insurance companies and last year alone paid out over 9 Billion (yes billion, not million) dollars in claims. That's more that the next 10 closest competitors paid out COMBINED. And it's not a Fortune 500 company, it's actually a Fortune 200 company (in the top 200 companies).
Oh, and I'm not an employee of Aflac, but I am one of an agent contracted to sell their products and to take care of their customers.
Debbie
Henrico, Va
#24 Consumer Comment
AUTHOR: Stacey - Dallas (U.S.A.)
SUBMITTED: Friday, April 03, 2009
POSTED: Friday, April 03, 2009
And they always pay the claims spelled out in the policy
Never had a problem in the 3 years I have paid for this policy
#25 Employee
AUTHOR: Chris - Wewewewe (U.S.A.)
SUBMITTED: Friday, May 15, 2009
POSTED: Friday, May 15, 2009
I work for Aflac and monitor dozens of my clients new claims everyday. Aflac practically bends over backwards to pay claims!! Frankly, most claims are not paid because the policyholder DOES NOT LISTEN and does NOT DO AS INSTRUCTED. I see it everyday. I stand by Aflac 100% !!!!!!!!!!!!!!
#26 Consumer Comment
AUTHOR: Glo H. - Hamilton (U.S.A.)
SUBMITTED: Friday, May 22, 2009
POSTED: Friday, May 22, 2009
I purchased AFLAC two years ago, and although there is a set price, they expeditiously processed my claim, and was very professional and courteous when I called them. They paid for my emergency room visit, follow up visits, MRI, and my physical therapy. The only reason I got on this website was because I was curious about the "rip-off" report. Policy owners, please read your policies before making assumptions, then you will understand it better, and know what to expect. I am not an AFLAC representative, but I felt I had to post my experience with them. Just this morning, I faxed them paperwork pertaining to a new claim. If someone doesn't receive it, I won't be upset because no one is perfect, and everyone makes mistakes...even me. Thanks AFLAC, you have my vote!
Why file a report here? Ripoff Report is a permanent record! Other complaint sites copy our content then remove reports for money.
