AFLAC Paid in premiums for more than 10 years and they didn't pay claim. Ripoff. Columbus Georgia

First, I will clarify; I am an Aflac agent. I am not an employee of the company. Agents are not employees; we are contracted with Aflac to sell their products.

Dee, you can still file the wellness claims for your accident and your cancer policies (if your policies contain these provisions). Aflac will actually go back 10 years and pay claims that you may not have filed yet. All you have to do to collect these monies (Wellness benefits) is to go to aflac.com, click on Claim forms, click on your state, go to the second page of claim forms and print off the forms for Wellness - Accident, and Wellness - Cancer. Then you just have to fill them out with the information requested and mail them in to Aflac. They'll process the claims and send you a check. You don't even need any paperwork from your doctor's office confirming that you had these check-ups. You do need to mail them in however, rather than faxing them. Aflac just needs to know the type of check-up, the date it happened and your doctor's contact info.

As an agent, I do my best to make sure that my clients get every benefit they are entitled to. I tell every one of my clients that if they have a claim or have any questions, to call me first. This means I will get their paperwork and go over it to make sure everything that is required is there so that the claim will be processed right away and they can get their money. I would advise you to touch base with your agent; you can find out who this is by looking up your policies on the aflac.com web-site, or calling Aflac. Your agent should be able to help you out with this.

And by the way, Aflac will still pay the legitimate claims for anything that happened while your policies were in force, even if you no longer have the insurance now.

Debbie
Aflac Agent
Henrico, VA

I am a past employee of the Aflac Claims Department and can tell why your claim was probably denied just by reading your complaint. You state that you had the Aflac accident policy which you used once "when my husband fell from the top of a barn back in the 90's and broke his arm." Your husband falling off a barn is a specific accident and a broken arm is a specific injury. You stated that Aflac paid this claim.

The claim that they did not pay was when you "had something go amiss with (your) calf and (you were) in EXCRUCIATING pain and couldn't walk for two months". Although I am sure that you had a problem with your calf and were in pain, "semthing going amiss" is not an accident and "pain in the calf" does not seem to be the result of an injury. If you had reported to the doctor that you tripped over something and fell, then it would be the result of an accident. However, the onset of pain, independent of a specific injury, is not an accident and not covered under an "accident policy".

I am a past employee of the Aflac Claims Department and can tell why your claim was probably denied just by reading your complaint. You state that you had the Aflac accident policy which you used once "when my husband fell from the top of a barn back in the 90's and broke his arm." Your husband falling off a barn is a specific accident and a broken arm is a specific injury. You stated that Aflac paid this claim.

The claim that they did not pay was when you "had something go amiss with (your) calf and (you were) in EXCRUCIATING pain and couldn't walk for two months". Although I am sure that you had a problem with your calf and were in pain, "semthing going amiss" is not an accident and "pain in the calf" does not seem to be the result of an injury. If you had reported to the doctor that you tripped over something and fell, then it would be the result of an accident. However, the onset of pain, independent of a specific injury, is not an accident and not covered under an "accident policy".

I am a past employee of the Aflac Claims Department and can tell why your claim was probably denied just by reading your complaint. You state that you had the Aflac accident policy which you used once "when my husband fell from the top of a barn back in the 90's and broke his arm." Your husband falling off a barn is a specific accident and a broken arm is a specific injury. You stated that Aflac paid this claim.

The claim that they did not pay was when you "had something go amiss with (your) calf and (you were) in EXCRUCIATING pain and couldn't walk for two months". Although I am sure that you had a problem with your calf and were in pain, "semthing going amiss" is not an accident and "pain in the calf" does not seem to be the result of an injury. If you had reported to the doctor that you tripped over something and fell, then it would be the result of an accident. However, the onset of pain, independent of a specific injury, is not an accident and not covered under an "accident policy".

I am a past employee of the Aflac Claims Department and can tell why your claim was probably denied just by reading your complaint. You state that you had the Aflac accident policy which you used once "when my husband fell from the top of a barn back in the 90's and broke his arm." Your husband falling off a barn is a specific accident and a broken arm is a specific injury. You stated that Aflac paid this claim.

The claim that they did not pay was when you "had something go amiss with (your) calf and (you were) in EXCRUCIATING pain and couldn't walk for two months". Although I am sure that you had a problem with your calf and were in pain, "semthing going amiss" is not an accident and "pain in the calf" does not seem to be the result of an injury. If you had reported to the doctor that you tripped over something and fell, then it would be the result of an accident. However, the onset of pain, independent of a specific injury, is not an accident and not covered under an "accident policy".

You are upset because an accident policy didn't pay your for a sickness that disabled you from working? What am I missing here? I'm sorry that no agents returned your phone calls; that is unforgiveable, but I'm having trouble understanding exactly how you got 'ripped off.' They paid you for a legitimate claim. You admit that you haven't filed for your wellness benefits. You have coverage for legitimate injuries and (god forbid) cancer. You sound like you are mad at the world; don't blame it on Aflac.

If the injury was not caused by an accident it is not covered. It is an accident policy not medical insurance. If you had the short-term disability policy it would cover when you can not work due to injury or sickness. The accident policy only pays so much money per accident. For instance, they might pay $500 for a broken bone. That is a one time payment. It does not pay for your time off work. That is where the short-term disability policy comes in. I have a short-term disability and an accident policy. I haven't had any problems.

If the injury was not caused by an accident it is not covered. It is an accident policy not medical insurance. If you had the short-term disability policy it would cover when you can not work due to injury or sickness. The accident policy only pays so much money per accident. For instance, they might pay $500 for a broken bone. That is a one time payment. It does not pay for your time off work. That is where the short-term disability policy comes in. I have a short-term disability and an accident policy. I haven't had any problems.

If the injury was not caused by an accident it is not covered. It is an accident policy not medical insurance. If you had the short-term disability policy it would cover when you can not work due to injury or sickness. The accident policy only pays so much money per accident. For instance, they might pay $500 for a broken bone. That is a one time payment. It does not pay for your time off work. That is where the short-term disability policy comes in. I have a short-term disability and an accident policy. I haven't had any problems.

If the injury was not caused by an accident it is not covered. It is an accident policy not medical insurance. If you had the short-term disability policy it would cover when you can not work due to injury or sickness. The accident policy only pays so much money per accident. For instance, they might pay $500 for a broken bone. That is a one time payment. It does not pay for your time off work. That is where the short-term disability policy comes in. I have a short-term disability and an accident policy. I haven't had any problems.