I signed up for Aflac in 2001 through my employer. THANK GOD, I, nor anyone else in my family has ever had to use it. I will admit, after reading my policy in 2001 to get a feel of what Aflac will pay, I have never read my policy again. I know what Cancer is, I know what having the Cancer Policy means. I changed to the Cancer policy with Specified Disease Rider in 2007, then in 2009 I changed my policy so my premiums could not go up due to my age then - 44. I was on the edge of the rate changing. I have never had Cancer, NEVER had any of the specified diseases listed. - SIMPLE? ONE WOULD THNK SO... BUT NOT TRUE.
Aflac put another listing in the 2009 policy called 'Associated Cancerous Conditions' which has a little relationship that someone may get cancer from one of a couple ASSOCIATED CANCEROUS CONDITIONS. So few people in the world actually get the associated cancerous conditions, it could be why they added it to their policy. But lo and behold, in 2006 I was diagnosed with a condition linked to one of those associated cancerous conditions - but the Cancer Policy DOES NOT SPECIFY my disorder in the book, it is a sub-classification of the Associated Cancerous Conditions. I have a blood clotting disorder (who knew that would be considered an association to cancer?).
In April of this year, my Gyno put a slight scare in me and stated a few things about my reproductive system were off. So April 2010 I downloaded my latest cancer policy, for the "just in case" and I was shocked to read that MY Associated Cancerous Condition was in the newest policy. NEVER assume you are Grandfathered in. Never assume the reps at Aflac know how to answer questions correctly, and NEVER assume your agent knows either.
Everyone I spoke with - from Aflac said for me to mail in all my info, 28 pages of info, and I would be paid, no problem. NOW my case has been given to the INTERNAL REVIEW department. I wonder if they will accuse me of being a LIAR, committing PERJURY, or something more horrific. It's been 3 weeks, wish me luck.
COLUMBUS, GA, GEORGIA -- This reflects my recollections and opinions of what transpired here. I purchased a cancer policy from Aflac in 1990. It was SUPPOSED to provide a one-time payment based on the age of the policy. Shortly thereafter, I had a non-cancerous tumor removed. It was never diagnosed as malignant so my Aflac agent advised me no to file a claim. I followed his advice.
In 2006, I was diagnosed with cancer. I talked with my Aflac agent and he helped me with the paperwork and calculate what my payment would be, based on the 1990 purchase date. I filed a claim with Aflac, never expecting any problem based on how honest the duck looks. Well, looks can be deceiving. They refused to pay the full amount because, according to them, I should have filed in 1990, when the amount due me would have been much lower since the policy was so new. Never mind that in 1990 it was a benign tumor, and my Aflac agent told me not to file.
I negotiated with them for weeks and provided several medical reports that showed the 1990 tumor to not be cancerous. My Aflac agent told me that he had told Aflac about this situation and confirmed that he had indeed advised me not to file in 1990. Well, ducks must be very obstinate and dishonest creatures. I again was refused the full amount owed me.
Finally, I retained an attorney. He had about as hard a time as I did communicating with them. They changed their attorney working this case at least once and maybe twice. After several weeks of negotiations, the Aflac duck finally offered a GENEROUS settlement that amounted to much less than what they still owed me. My attorney suggested that I take it. He said the duck was notorious for its STALLING TECHNIQUES and that all we could do was have the case heard in court. This would consume so much money that even I won, I would lose. So as many probably have done before me, I settled.
I feel obligated to share my Aflac experience with all who will listen. Perhaps I can prevent someone else from making the same mistake I did. Do not be charmed and bedazzled by the innocent looking duck. Look slowly and carefully at what is hidden underneath those snow-white feathers. If you are looking for a completely honest and straight-up insurance policy, I suggest you look elsewhere. I am not bitter, but I surely hope that duck never crosses the road in front of me.
MISSISSIPPI -- I was an employee of Forrest County when I took my policy out. It has been over sixteen years and thankfully I haven't had to use it for any medical reason. My policy pays for me to have a yearly check-up. I have been very pleased with my policy, as well as my agent.
COLUMBUS, GEORGIA -- You should not judge a company by 1 individual's misconduct as in the AFLAC duck voice. Their conduct was handled swiftly and AFLAC made the statements to assure their creditability. I personally bought a AFLAC cancer policy 10 years ago and 8 years after I bought the policy I was diagnosed with stage 1 breast cancer. At that time they paid me promptly for the first time occurrence benefit of 500.00 a year times 8 as that is how many years I had the policy before my diagnosis (4000.00).
Aflac also paid me 200.00 a day while I went through 33 radiation treatments of which I had to work each day (6,600) as my oncologist insisted I was not disabled and could not collect any short term disability entitlements. I now am on a chemo pill every month for 5 years at which AFLAC pays me 200.00 a month (12,000) total benefit. As a matter of fact I plan on studying and obtaining my own insurance license to sell AFLAC insurance.
If you never use a cancer policy how can you say you lose? If you do get diagnosed with cancer it relieves all kinds of financial stress. Thank you AFLAC for making such a stand as you did and eliminating the issue so we can go on with our daily needs and life.