• Report: #322726

Complaint Review: AFLAC

Featured Ripoff Reports

Past Featured Reports

Ripoff Report Corporate Advocacy Program
Help support Ripoff Report. Donate today.
Ripoff Reports Legal Ads

Ripoff Report Legal Directory

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Monday, March 31, 2008
  • Last Posting: Tuesday, September 09, 2008
  • Reported By: — Pine Bluff Arkansas
AFLAC
1932 Wynnton Road, Columbus, Georgia 31999 Nationwide U.S.A.

AFLAC Agent Checked Wrong Box Little Rock Arkansas


1Author 2Consumer 3Employee/Owner

Respond to this Report

  • Respond to this report!
    What's this?
  • Also a victim?
    What's this?
  • Arbitrate
    Set The Record Straight!
  • Repair Your Reputation
    ...the right way!
    Corporate Advocacy Program
An AFLAC agent gave a presentation at my wife's place of employment a while back, and after the meeting, she approached him about purchasing insurance to cover lost income due to maternity leave. Co-workers had signed up for similar benefits, and had been satisified with the service, so my wife was interested in signing up, as we were about to start trying to have our first child. They visited about this for some time, and she made it clear that the lost income was what she was interested in protecting during maternity leave. She signed up for what she believed were these particular benefits.

After some time (the 10 month period stated in the policies is not an issue) she became pregnant. I reviewed her materials and found documentation concerning (1) A Voluntary Indemnity Plan, which is a hospital confinement indemnity policy; and (2) A Personal Sickness Indemnity Plan, which is also a hospital confinement sickness indemnity policy; and (3) A Personal Disability Income Protector, which is a short-term disability insurance policy.

As I was reviewing the documents, my heart sank when I looked at the receipt. The agent checked the first two, the Voluntary Indemnity Plan and the Personal Sickness Indemnity Plan. Basically, these are the same policy with a little less benefits for one than the other. However, the language is exactly the same. Some benefits are provided regarding pregnancy, it appears, but not the one thing that was the key to us, which was her income. Long story short: The agent seemingly checked the wrong box and signed us up for the wrong policy that began with the word "Personal."

I have read a few of the reports on here, and I have no evidence of wrongdoing at the moment. I think it's just a foul up by the agent. Otherwise, it would make no sense for my wife to basically take out two of the precise same policies. Anyone had any luck in such a situation? Although I think it is fairly clear what was intended, and the premiums are virtually the same, I do not necessarily anticipate AFLAC just doing the right thing and applying our premiums to the policy that we really intended to purchase. The results will be a resulting serious economic hardship that we thought we were doing our best to avoid.

Thoughts?

Don
Pine Bluff, Arkansas
U.S.A.

This report was posted on Ripoff Report on 3/31/2008 9:59:11 PM and is a permanent record located here: http://www.ripoffreport.com/insurance-companies/aflac/aflac-agent-checked-wrong-box-efm2a.htm.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on AFLAC

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
Arbitrate
Remove Reports?
No! Better yet! Arbitrate to set the record straight!
REBUTTALS & REPLIES:
1Author 2Consumer 3Employee/Owner
Updates & Rebuttals

#1 Employee

Contact your agent

AUTHOR: Melodramaticmel - Columbus (U.S.A.)

SUBMITTED: Tuesday, April 01, 2008

All you have to do is have your agent fill out a corrected application and send us a letter stating that she's made an error and what we can do to correct it.
This can be sent into us via your agent's SmartApp Machine.
She can fax the correction also!

Please notify your agent! We won't know that there has been a mistake made unless it gets reported to us!

If you don't have your agent's name/telephone number- you can call into our Customer Service Center at 1-800-992-3522/ 1-800-99-AFLAC! We are here to assist you from 8am-8pm Eastern Standard Time Monday-Friday! :)

All you'd do is ask for your agent's name/number. We can pull up your information either by your SSN or by your policy number!

Hope this helps! :)
Respond to this report!
What's this?

#2 Consumer Comment

Did you read your policy when you received it?

AUTHOR: Janis - Amherst (U.S.A.)

SUBMITTED: Wednesday, April 02, 2008

I'm confused here. You should have received a policy in the mail after your wife signed up for it. Did you read it? If so, didn't you notice that it was the wrong policy? I agree with the above poster...pls contact the company, and I'm sure they will correct this. I've had dealings with Aflac before and they are a good company.
Respond to this report!
What's this?

#3 Employee

Sorry...

AUTHOR: Angrywoman - Columbus (U.S.A.)

SUBMITTED: Tuesday, May 06, 2008

I know the person prior was trying to give you hope. But honestly, Alfac won't issue you a disability policy.

I work in the call center so I know what they will tel you. They will say have the agent send a letter of agent error explaining the mistake, have him complete the correct application and backdate it, have your wife send a letter of explanation as well explaining she didn't want the PSI or VIP policies and that the premiums should be applied to the PSTD policy.

This will go back & forth until you finally realize- it's not going to be done.

So to save you the heartache, you should just file the claims you can and possibly talk to the agent. He may have Errors & Omissions insurance which might help in this case.
Respond to this report!
What's this?

#4 Consumer Suggestion

File a claim against the agent

AUTHOR: District Manager - Capitol (U.S.A.)

SUBMITTED: Wednesday, June 25, 2008

Good insurance agents (which eliminates most AFLAC agents..) have Errors and Omissions insurance, file a claim against him for the amount that you out.

I'm sure it's not the first claim against him, nor will it be the last!
Respond to this report!
What's this?

#5 Employee

If I understand correctly..

AUTHOR: Cazz - Carneys Point (U.S.A.)

SUBMITTED: Tuesday, September 09, 2008

your issue is that the payroll authorization your wife signed had an incorrect box checked. I am not an "employee" of Aflac; however, I am an independent agent representing Aflac who has spent a number of years doing enrollments. Since you haven't actually stated that you are sure of a problem I'd suggest that your first step be to contact your associate and/or the company to find out what you have. Every program that you participate in has an application that has to be completed; therefore, if you are participating in 2 programs, you should have received two complete policies in the mail with copies of the actual applications that your wife signed. If you have a VIP and PSI program than there is a problem and the previous steps should be taken. If you have a VIP (hosp) or PSI (sickness/hosp) and a PSTD/PDIP (disability) then it was simply an agent error in checking the box on the authorization and it has no effect on the actual policies and what they cover.

Hope this helps!

C~
Aflac STC

BTW, I have made mistakes, I'm human, but I've never made a mistake that I've asked the company to help me rectify in which they've denied or turned me away.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Ripoff Report Verified Safe

Advertisers above have met our
strict standards for business conduct.

Ripoff Report Legal Directory
chicken