Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/06/2022

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My employer offer Aflac. Clear Light Insurance Services was the representative between my employer and Aflac. Since August of 2021, I had a Hospital Indemnity policy through Aflac that was being deducted from my payroll every week. On August 17, 2022, I had a discussion with ***** from Clear Light Insurance Services about possibly cancelling my Hospital Indemnity policy. On August 18, 2022, I advised ***** that I decided to not cancel the policy and keep same. On October 4, 2022, I was advised by ***** that the hospital policy was cancelled, which was surprise to me because during this time, my employer was deducting the premiums from my payroll every week. When I brought this issue to *****, she advised that she would work on it. I advised ***** that I had to undergo a lumbar puncture at *************************************** in *********************. ***** told me that I would be paid a $2,000.00 benefit and they would get the policy reinstated. The policy was not reinstated until sometime in November 2022. I had supplied Aflac and ***** copies of medical records, operative report and medical billing for this procedure, and again, ***** advised I would be paid $2,000.00 for the lumbar puncture procedure, I would be paid a benefit for the *** I underwent on August 4, 2022 and I would paid for the various doctors' visits and follow up visits. As of this the date of this complaint, I have only received $195.00 and was told that is all the benefits I would receive. When I have tried to email, call and text *****, I was told to be patient each time. I have attached some email chains between, myself, ***** and my former employer showing how deductions from my payroll was being made but the ************** policy was cancelled. ***** from Clear Light should be better instructed on the products she is selling to employees. I have been caused some much stress over this. I needed that $2,000.00 to help pay for my medical bills and that is what Aflac advertises.