My place of work offered several policies from Aflac, one being if you were sick and in the cardiac stepdown of the hospital they would pay you a certain amount of money per day. Cardiac stepdown was only one of the areas but you get the picture. My wife, who was covered on the policy, just happened to have to go to cardiac stepdown for 5 days. I submitted the claim and they said my hospital, the one they sold the policies too, didn't have a cardiac stepdown unit since they took care of other serious illnesses on the unit. I had to jump through so many hoops it was ridiculous!!! It took me six months to finally, finally get the money they promised. Although I got the money finally, if someone didn't know how to work the system like I did, they would have never gotten their money. Aflac is a scam and a rip off! I wonder how many other people they've scammed with this type of insurance.
Isn't that funny how Aflac sends their reps in to hospitals? They did the same thing in my workplace (hospital). I fell for the scam and then they screwed me over too. I've had a lot of co-workers that have been in the same boat. Sickness, accident, time off work policies - what a joke. They take your money and when you need them, they turn you down. I'm glad you won your fight, I didn't.
My granddaughter told me that her place of work was going to offer Aflac insurance. She was so excited and I had to tell her what dogs they were and how they scammed so many people. What a shame. They shouldn't even be allowed to sell insurance. And I'd like to strangle that advertising duck and have it for dinner!
I have no earthly idea how companies can get by with things like this. The hospital in the first case should have made sure their services would be covered by the policy they were allowing the company to sell to their employees. Then if it didn't qualify, they should have been made to tell the employees, who probably preferred to use their own hospital, that they wouldn't be covered there if they were hospitalized. Greed is the driving force in this world and these stories just prove it. I hear more complaints about insurance than I do any other service except for financial services. I have seen myself that most insurance agents make quite a bit of money and the way they do that is they receive a portion of the premium that you pay every month. So in essence, as long as you keep that insurance, you are paying the agent's paycheck. So say you are an agent and sell 1000 policies. If everyone keeps them and they get $10 per month per policy, the agent would be making $10,000 per month from the policies they have sold as long as you keep them and keep paying that premium. That would mean the agent would never have to work again and they would make a decent income. I wouldn't want to be in that agent's shoes though, when the company realizes they had to pay out for this one. But I bet they never find out and just think it's an ordinary claim. I love having insurance for the piece of mind it gives me but then when you try to get what is promised to you, you have to fight them for it. I have been thinking myself of becoming an insurance agent but I don't think I could lie to people all day long even for a decent income. It would kill me in a month's time if I had to keep them quiet and complacent in order to receive that money every month.
Wow, isn't it just incredible what they can get away with and still be allowed to continue to scam people? I called them about getting a policy to cover maternity leave, short term. The representative recommended a one year policy. That sounded great to me! I went with that and planned everything around a one year maternity leave.
After I had the baby, I told my boss that I'd be back in about 10 months (the company has it set up where I could go back one of two specific dates, so I chose the one nearest the end of the one year) and got ready to enjoy my new sweetheart.
Then I got a check. On the back, there was a printed statement that declared that the maternity leave payments were for 6 weeks only! The Aflac representative NEVER said that! I specifically said I was looking for coverage for maternity leave and he said I should go with a one year policy instead of a three –month one (which would have been plenty long enough for a six week leave). The agent was deceitful and used my lack of knowledge and the fact that I didn’t know much about what the policies and laws were to take advantage of me and scam me.
Now, because the Aflac agent was dishonest, we have hit hard times. The stress level is off the charts in my house! I did what I could to make sure this wouldn’t happen, but because of the scam perpetuated by Aflac, it happened. Instead of being able to relax and enjoy my baby, I have to concern myself with how to feed the family and make sure we have a home. Instead of getting evenings to enjoy his baby, my husband has to work two jobs and is hardly ever home. This is hard on our marriage and not good for either of us – and not good for the baby, either. They ask “Can you afford to be without Aflac?” I ask, “Can you afford to trust Aflac when all they want is your money?”
I called Aflac customer service and they just kept saying the policy is for six weeks. One guy told me he thought there are no plans anywhere that will pay maternity for a year. I told him that’s fine, but they should have told me that instead of implying that I would be paid for a year!
That's horrible! We have AFLAC at our work place and I wouldn't buy it. I thought I would take out a policy but I started researching it first and I found out it's not as it seems at first. You may be able to get the pay but it will take forever and ever to get it or to get the kinks worked out of it. Insurance is a scam anyway. We should all do what the Amish do and just keep our money and use it if we need it. They take the money and then they place it somewhere it will draw interest and they make money hand over fist. I wouldn't ever want to be an insurance agent, I'm not dishonest enough.
I think I would have taken a big bite out of their income if I were you. AFLAC may have a cute duck as a spokesbird but they will sure take your money and then not do anything for you. Insurance is supposed to help you when you need it, not rip you off.
It's called short term disability. 10 months isn't short term. When you bought your car did the salesman tell you that you'd have to fill it with gas more than once? If not you got ripped off. You had to keep buying gas even though no one told you you would have to. What a ripoff. When you bought your policy you were sent a copy of it with all the limitations. All you had to do was read. I assume you can do that since you posted here.
I am tired of people thinking they can have it all without taking responsibility. Read the fine print. That's why its there. If you really think you've been ripped off, sue them instead of just posting here. You may lose and then you could post how you got ripped off by your lawyer.
In case u didnt notice this is a forum for ppl to vent frustrations about business's that they feel have done them wrong and it is a free public site. I suggest if u dont want to read what they have written and possibly put yourself in the other persons shoes for once in your life that u dont use the site or read anything from it!! I am sure that this piece of advice was totally disregarded by the author of this post as it was totally uncalled for!! Alot of the ppl on this forum were truly scammed by AFLAC and unless u have this ins co. u would not know! It is evident that u have never been scammed probably because u never go out of the house lol but however this is not a forum to say hateful things to ppl when they just want to express their misfortune with a company!! Please dont judge ppl on the way u feel that day! Thank you!