AFLAC Complaint - Aflac - Cancer Policy?!?!
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 low 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.