What a nightmare! Here is the synopsis.
My representative Lisa Breland was absolute garbage. When she sold me on the supplemental insurance coverage, she did not tell me that I was ineligible for the short-term disability coverage I wanted; until after she signed me up for the accidental injury coverage. When she found out that I had been hospitalized within the last year she sped into her close and walked away with the paperwork I had already signed when I was under the impression that I would have both areas covered.
Immediately I felt that I had been scammed. I tried to use the coverage once after hurting my back and my doctor looked at me like I was from another planet. My doctor's specialty is Sports Medicine and he had never seen an AFLAC accidental injury form. The form confused him and he filled it out incorrectly. Aflac sent a partial payment. At this point I was convinced that not only was the company and my personal representative crooked, but the coverage is useless if doctor's can't understand the claim form.
Lisa of couse had told me that the claim process was a cinch and she would help me with my first one. Though when I called her for assistance she did not return my call.
My next contact to Lisa was to cancel. I e-mailed her and received no response. I then called and got a hold of her in person. She said that my e-mail was not enough to cancel and I would have to fill out an official AFLAC cancellation form. I was a bit annoyed because I felt like she was dragging her feet. I told her to send me the form and I would return it immediately. I did not want to see another automatic deduction come out of my paycheck. (They had arranged for the premium to be taken out of our checks via my employer) She e-mailed it to me, I signed it and faxed it back to her.
At this point I thought I was in the clear. Not so; the next paycheck I received had the AFLAC deduction. Irate I called Lisa back and told her that I was still being charged. She claimed to have never received the cancellation notice. I resent it and kept calling and e-mailing, trying to verify that it had been received. Finally my call was returned. Not by Lisa, but by her new assistant RJ. He said he had been brought on because Lisa was receiving a lot of complaints because she couldn't handle her caseload. Relieved to have a sympathetic voice on the line, I told RJ that I wanted to cancel. I sent the cancellation form to him and he called to confirm that he received it.
But no, it couldn't be that easy. A month later I noticed the AFLAC deduction was still being taken out of my check. I called RJ and asked what had happened. He said that while he had received my cancellation notice but it could not be processed because we were currently outside the open enrollment period (PS most of the year is outside the open enrollment period). RJ hadn't bothered to call me and tell me that my request could only be processed if I had a note from my HR department on company letterhead excusing me from the coverage. He didn't attempt to contact me at all, just sat back and let that deduction keep on coming out of my check. RJ was as crooked and useless as Lisa.
At this point I stormed into my company's HR office and told my co-worker what I had gone through. She stopped AFLAC from taking any further deductions from my check and faxed them the permission slip they required to excuse me from my optional and supplemental insurance coverage. I told my HR contact that I wanted a refund dating back to when I had originally started trying to cancel the coverage with Lisa Breland, 3 or 4 months prior.
My HR contact pursued this and I received a letter from AFLAC's customer service department last Friday telling me that they didn't owe me a dime, because they cancelled the policy as soon as they got their "official notice". I tried to call the customer service department to explain the way I had been treated, but since I had no policy number to enter (because it had recently expired) and I wasn't interested in starting a new policy...no one would talk to me.
AFLAC is absolute garbage. Employers, please do not let these con artists solicit your employees. AFLAC has nothing to offer your staff but scams and headaches.