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In Reply to: Re: Re: Re: Re: Re: Seeking info re AFLAC & Supplementary Insurance posted by Agent on August 12, 2003 at 07:16:58: In order for this to be locked in for 12 months is if the company has installed a 125 plan. The IRS not AFLAC sets these rules. Under the plan policies cannot be canceled or changed until open enrollment. She also would have had to sign a "Salary Redirection Agreement". By signing this document she is saying she understands how long she must keep it in force. She's an adult. She should know what she is signing. There is one way and one way only she could get out of it but she would need a letter from the employer and sent to AFLAC for this to take place. If she never signed the document,then technically she was never fully informed. That would then be an agent mistake, not AFLAC. : Mike: : The only thing you can do is tell other people not to go with them and file a comlaint with the BBB. : Did you make a complaint against the agent that sold it, since he did not explain the 12 month lock in? Agent complaints can be reviewed on many states websites. : Agent : : Yes, the open enrollment has required her to pay the monthly amount for twelve months, no way to cancel. We have Kaiser, so absent her having a serious problem with her pregnancy that puts her into the hospital as a patient, there is pretty much no benefit. I don't know what the salesman told her, but we are paying more for this insurance than we are for car insurance; we have tried to cancel and they flat out tell us we can not. We explained to AFLAC the serious financial impact this has caused us, the fact that the one year obligation was never disclosed to her during the sign up and even went as far as to file a complaint with the California Dept of Insurance... all to no avial. Its legal on its face, but to know the position we are in and still refuse to cancel the policies and take the $92 a month from her paycheck, AFLAC has proven to us, at least, that they care little of the well being of its customers.
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