- Report: #683591
Complaint Review: AFLAC
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| AFLAC 22 Corporate Woods Boulevard
albany, New York United States of America |
|
AFLAC Refused to pay cancer benefits 56 days after signing up for policy!!! albany, New York
*Consumer Comment: Isn't that exactly what the previous poster said?
*Consumer Comment: Cancer claim
*Consumer Suggestion: I think I can guess what happened here.
*UPDATE Employee: Not True
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On June 6, 2010 I signed an application for an AFLAC policy which would cover a Cancer diagnosis and pay me a $2500.00 benefit as well as incremental benefits directly to me for any treatments or preventative visits.I was told by Steven Lustig that the coverage would begin after 30 days from the date of the application. This could add up to a sizeable amount of money.
On July 2, 2010 AFLAC began taking its premiums out of my paychecks. Unfortunately, on July 26, 2010 I was diagnosed with stage IV tongue cancer. I was afraid for my life and also for my kids being supported. I was very concerned but was even more disturbed when I was informed that even though it was 56 days after signing the application (with 30 waiting period) AFLAC refused to pay my benefits which I needed to pay my car insurance and expenses to get back and forth to the treatments.
Subsequently, my car insurance was cancelled and I had to take the car off the road and take cabs, bus and family had to drive me to 35 radiation and 2 chemo treatments. That was even more demoralizing and depressing. I would like to sue these people for discriminating against me for being a Cancer patient. I truly feel that they were betting that I wouldnt survive long enough to fight the denial of benefits.
Please advise me if you can help me as I am seeking the assistance of yourself and the New York State Insurance Board. Thank you in advance for your attention.
Sincerely,
Michael S. Wilson
Cc; NYS Insurance Board
Harry Thomasson ESQ.
Ripoffreport.com
This report was posted on Ripoff Report on 01/17/2011 12:16 PM and is a permanent record located here: http://www.ripoffreport.com/r/AFLAC/albany-New-York-12211/AFLAC-Refused-to-pay-cancer-benefits-56-days-after-signing-up-for-policy-albany-New-Y-683591. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 Consumer Comment
Isn't that exactly what the previous poster said?
AUTHOR: NoSoap - (USA)
SUBMITTED: Tuesday, May 22, 2012
He signed the application June 6, 2010. The effective date of the policy (ie when it officially begins) was July 1, 2010. The first 30 days (starting July 1, 2010) are a PROBATION PERIOD. Cancers diagnosed during that time frame can be dendied. Aflac usually wil refund any monies paid in.
A probation period is standard for all Specified Disease policies, and there was no bait and switch here.....the 30 day probation is stated in the outline of coverage, in the brochure, and on the policy. it isn't in fine print either; its' right there for anyone to read.
Bottom line: You were not ripped off. Wish you had the class and integrity to come on here and admit you were wrong.
#2 Consumer Comment
Cancer claim
AUTHOR: mg - (United States of America)
SUBMITTED: Wednesday, September 21, 2011
#3 Consumer Suggestion
I think I can guess what happened here.
AUTHOR: Anonymous56789 - (USA)
SUBMITTED: Tuesday, March 15, 2011
The 30 days does NOT begin the day you sign the application; it begins with the EFFECTIVE DATE OF THE POLICY.
You signed the application on June 6, 2010, but that does NOT necessarily mean that June 6 was DAY ONE of your policy. In fact, since your employer didn't begin taking any deductions until a full month later, I'm nearly positive that your policy went into effect on July 1, 2010, not June 6.
The bottom line, is that you should have READ YOUR POLICY. The Effective date, which starts the 30 day probationary period, is clearly stated on the first page.
If your agent told you that your probation period began 30 days from the date you signed the application, then it is possible he/she made a mistake. It happens; agents are not perfect. Believe me, the last thing any insurance agents wants is for a claim to be denied, or for a policyholder NOT to understand what they purchased.
Do what you think you have to do, but I do not believe you were 'ripped off' and I think you will find you have no case.
#4 UPDATE Employee
Not True
AUTHOR: Anonymous83134 - (United States of America)
SUBMITTED: Monday, March 07, 2011
