Report: #683591

Complaint Review: AFLAC

  • Submitted: Mon, January 17, 2011
  • Updated: Tue, May 22, 2012
  • Reported By: Mike Wilson — Brookhaven New York United States of America
    22 Corporate Woods Boulevard
    albany, New York
    United States of America

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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.


Michael S. Wilson

Cc; NYS Insurance Board

Harry Thomasson ESQ.

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#1 Consumer Comment

Isn't that exactly what the previous poster said?

AUTHOR: NoSoap - (USA)

Doesn't anyone actually READ these posts?

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.

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#2 Consumer Comment

Cancer claim

AUTHOR: mg - (United States of America)

I use to work for Aflac,( I hate them) but you say you signed on, on June 6, 2010.  I am assuming that your policy did not go into effect until  July 1, 2010. That is usually how payroll deductions work, your agent should of told you the waiting period started 30 days from the effective date. but your policy should of came with a disclosure statement should of came with the original policy, if not then you should call  your state insurance department.
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#3 Consumer Suggestion

I think I can guess what happened here.

AUTHOR: Anonymous56789 - (USA)

You were not ripped off.   The Cancer Plan contains a 30 day probation period.  If you are diagnosed with cancer during the first 30 days, your claim can be denied.     This is stated CLEARLY in every single piece of paper you receive, from the sales brochure, policy outline, to the actual policy itself.

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.
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#4 UPDATE Employee

Not True

AUTHOR: Anonymous83134 - (United States of America)

First off, I would like to address that Aflac does not deny many claims. If they do, it is for good reason. You either did not have your paperwork from the doctor and/or hospital in order, or did not fill out the claim correctly. Aflac agents go to GREAT lenghts to get their policyholders' claims paid. Aflac is not descriminating against you for having Cancer. Millions of Aflac policyholders are diagnosed with cancer and receive benefits from their Aflac policies. Many of them receive these benefits before their first premium is even paid! So for you to say that Aflac is descriminating against only YOU for having cancer is a ridiculous accusation. You will not get very far with statements like the ones you are making. I noticed that you did not include the reason for your claim being denied. Aflac and Aflac Agents ALWAYS tell the policyholder (it is required by law) why their claim is denied, and 99% of the time it is for an error on the claim or not providing sufficient documentation from the doctors office.
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