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AFLAC Complaint - Aflac - Cancer Policy?!?! - Aflac Cancer Policy
Aflac Cancer Policy - Complaint
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.
It's been 3 weeks...wish me luck.
Comments:
Posted by Corwin02 on 2010-06-10:
Exactly the reason why private insurance companies should never be without government control , those companies are not there to cover your costs in cause of an illness they are there to make a profit for their share holders
Posted by PepperElf on 2010-06-10:
what... MORE government control?
O_o
considering the government can't even manage itself properly I'd hate to have them jamming their fists into other insurance companies as well.
O_o
considering the government can't even manage itself properly I'd hate to have them jamming their fists into other insurance companies as well.
Posted by Mickey33 on 2010-06-18:
Another 8 days have passed. Still in review. AND JUST A WORD OF WARNING: From April 2010 when I downloaded my 2009 copy of my Cancer Policy, til June 2010, Aflac changed wordage in the policy, retroactive to NOV 09. Words/policy language are vastly different...over the course of 3 months. NEVER thought when we sign a policy - THEY - could change policy language in mid stream. hmmm NOW ITS GETTING REALLY FISHY.
BUYER BEWARE!!!! READ YOU ORIGINAL POLICY...AND NOW GO ONLINE AND DOWNLOAD CURRENT CANCER POLICY...
BUYER BEWARE!!!! READ YOU ORIGINAL POLICY...AND NOW GO ONLINE AND DOWNLOAD CURRENT CANCER POLICY...
Posted by Xylie on 2010-11-13:
I don't think they can do that.In fact your policy you downloaded,didn't have those words in it,they can't change it like that and go back and add clauses because now you have something,I would call the insurance commishener (sp?),that's what their for,then like that one guy said,in 90 days,{if the insurance deny you,}call your attorney.
Posted by Charlie007 on 2011-03-14:
Mickey, I would never encourage someone to "count their ducks before they hatch," but there may be someone on the other end that is fighting for you already. That could be the reason for the delay. Since there hasn't been any news, it looks like you could be complaining about an issue that won't be an "issue" when this is all over with. I've noticed that it's been a while since your last post, so I am curious . . . What was the outcome?
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