Complaints

This profile includes complaints for American Fidelity Assurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  American Fidelity Assurance Company

  9000 Cameron Pkwy Oklahoma City, OK 73114-3701

  
• 

  American Fidelity Assurance

  3649 W Beechwood Ave Ste 103 Fresno, CA 93711-0693

• 

  American Fidelity Assurance Company

  1500 Urban Center Dr Ste 440 Birmingham, AL 35242

• 

  American Fidelity Assurance Company

  500 Pleasant Valley Dr STE B Little Rock, AR 72227-2137

• 

  American Fidelity Assurance Company

  1 Sw 11th St # 195 Lawton, OK 73501

  

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:02/17/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  I have attempted on several occasions to understand where my health savings account funds are located. Each month my employer deposites into account that American Fidelity insurance manages. The last few months payments have arrived later and later and one month not at all. The month that it did not show up at all was linked to my employer making a mistake. This has prompts me to keep closer eye on the account and this month when I attempted to gain information I was sent to multiple locations spoke to a supervisor or two and still cannot find out where my money is. They tell me it takes 3 to 5 business days stay and still nobody can tell me where my money is this month. I even asked to find out what had happened in the month of January and nobody can answer that question and when I completed the task which they requested of me which was to wait 24 hours call back the next day for full the appropriate information I still did not get it.I will be attempting to remove American Fidelity as the holder of my health savings account if at all possible with my employer but until then this company has lied to me misled me I've been extremely unprofessional. I have attempted to discover where my funds are for the last 72 hours being good spoken to as if I am causing them problem my requesting where my money is.

  

  Business Response

  Date: 03/02/2023

  Response in attached file. 

  Customer Answer

  Date: 03/02/2023

  
  Complaint: ********
  
  I am rejecting this response because: I appreciate the fact that the company is acknowledging two mistakes made on their part but an apology and an acknowledgment seems insufficient.

  If I were late with paying a bill to a bank or any other creditor I would be penalized financially.

  Does not seem appropriate for this company to make multiple errors and there be no consequence.

  I will attempt on my end to stop doing business with them through my employer.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 03/08/2023

  See attached.  Thank you.

  Customer Answer

  Date: 03/08/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:02/08/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  I purchased a ******************** from American Fidelity assurance through my employer group. On May 2022 I went on disability and informed the insurance company while I was under doctors care. Purpose of purchasing disability insurance is to help paying your bills while you cant work. For 10 months this company is playing games and playing games. I have been released by my doctor and went back to work on November 25,2022 and still havent been paid a single ***** by this company. I have called over 150 times and they always playing games, provided any documents they have requested but no results. I have read other peoples reviews and it seems like I am not the only one that they are doing this with. They owe me approximately $40000 , but no response from them. A Class Action Lawsuit needs to get filed against this company, that might be a wake up call for them. Where is the Insurance Commissioner to oversee these Illegal activities by these insurance companies? American Fidelity Assurance company by far is the WORST insurance company to buy any policies from. They just collect your money ($400/ month) and when you need them the most ( When you get disabled), they get Disable as well and get DISAPPEARED). **************** , *** , CBS .) must EXPOSE this company and provide a Public Awareness for the public. If someone else was reporting them and I knew, I never wouldve bought a policy from them. I got the names of all people that I spoke with during my phone call with them and I am trying to interview with *** so other people wouldnt be (Ripped off) by this ***************** Company.

  

  Business Response

  Date: 02/13/2023

  Please see attached.  Thank you.

  Customer Answer

  Date: 02/20/2023

   
  Complaint: ********
  
  I am rejecting this response because:This Company has been playing games not only with me but with a lot of people. In my case first they claimed I ***** pay the premium for this policy ( My Employer ***** pay for the policy) after going back & forth with my employer ( Took over 4 months) and each time my Employer ( Coachella Valley VW) provided the proof that they have paid , Fidelity Insurance claimed Yes they have paid and we credited wrong policy) , now they are claiming my Doctor ***** provide them with my medical file, while my Doctor said that his office sent them my entire file 4 weeks ago??? If you look at ****** reviews on Fidelity assurance I am not the only person that they are doing this with, this Company does not pay for Disability Claims , they just collect the Premiums and when you have a claim they disappear and making you run around. I got disabled May 2022 , and recovered and came back to work on Nov-25-2022, and they still havent paid a ***** . The purpose of ******************** Policy is to help paying your bills, not to make you running around and playing games with people. They need to be reported to Insurance Commissioner for what they are doing to people.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 02/27/2023

  Please see the attached.

• Initial Complaint

  Date:01/17/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  On 5/26/16, I punched a locker at my old job out of frustration. I. I was stressed, which was indicated in the medical report with a 102 pulse and. ** that was 183/106. My diagnoses was listed as left shoulder pain, acute left hand pain. I was prescribed 0 mediacations and told to go to the urgent clinic if symptoms recur (ON PAPER). I left there, the ****************** system, in 7/2019 and went to the Ware schools in *******. I never went to the doctor.On 10/29 /2022, I felt sick, very sick to my stomach and went to the urgent care, I was given pills for my stomach. The next day, I was very ill and went to the er, a full 6 plus years since my last visit to a hospital.I was admitted with a kidney **ndition and placed on dialysis. During my 4 day admittance, I checked my insurance and noted that I had American Fidelity Insurance. Being a worrywart, I Googled the company . I found The **mplaintFROM YEARS AGO which alleged nearly 500 teachers were deceived by American Fidelity. I also looked at the BBB **mplaints and saw a pattern. With that, I started saving money, called my attorney and fumed knowing that problems lay ahead This company loves to reply to its accusers by stating that it is a 60 year old company, however there are some red flags. I was shocked. Today a 20 something year old kid called me and proceeded to grill me about my health, why I am not working (hello dialysis is 3 X a week) school is open ****but that is not the best part I have no doubt that the kid is training and a scumsucker is **aching him . I was placed on hold and asked personal questions, like do I have a kid and told I might qualify for SSDI. Wow, then the insurance ** can swoop down and reclaim funds. Then I was called less than 2 hours later while I was in the store ...this was brilliant I was Informed that the insurance ** would be estimating my retirement and subtracting 1/2 as of next check. I do not get me ret ck until 4/2023

  

  Business Response

  Date: 01/24/2023

  Dear Ms. ********:
  This correspondence is in response to the Better Business Bureau complaint received in
  our office on January 17, 2023, filed by the above referenced complainant.
  The complaint submitted by our insured states that she was advised by an American
  Fidelity customer service representative that her disability benefit would be reduced by normal
  retirement income. Our insured is asking for American Fidelity to contact her for clarification on
  the deductible source of income provision.
  At American Fidelity, we value our customers and are committed to providing quality
  insurance products and customer care to our valued insureds. Based on our review, our insured
  was inaccurately advised that her normal retirement income would reduce her disability benefit.
  After receipt of her Better Business Bureau complaint, we contacted our insured, explained the
  deductible source of income provision and how her normal retirement income is not considered
  a deductible source of income and, therefore, would not reduce her disability benefit.
  We believe this matter to be resolved. However, we invite our insured to contact our
  Customer Service Department at 800-662-1113 if she would like to further discuss the situation.
  Sincerely,
  Lorianne *******
  Office of Appeals
  American Fidelity Assurance Company

• Initial Complaint

  Date:01/04/2023

  Type:Order Issues
  Status:

  AnsweredMore 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.

  I signed up and paid for American Fidelity Plans while working or OKCPS and then continued services when I switched to *************. I meet with *********************** on 8/12/22 in the library at Deer Creek. We all had to schedule and appointment. I did and she looked up my plan with OKCPS and told me that I could file claims up to two years for the my Disabliity, Surgery, and Wellness visits that I had already paid for and the treatment plan entitled me to file for. I had 3 surgeries and the was out for almost 3 months, She said a dollar I should my salary around 2.6K for each month and prorated if it was not a full months. I said okay great. Signed up for more coverage because I thought what great customer service. She sent me an email with insturctions and said that she would help me if I had questions. I have now been getting the run around for months about paying more money roughly $370 for gap I can get the exact amount and then I receive and email that said I needed to pay more money so I allowed the deduction from the paystub. You only have two years to file or you you lose ability to. On the 15th I will start losing money that I should be entitled to file and claim for and get a check. She said when I was signing up I should be able to get like 1K from doctors visits alone maybe. In addition to the Surgery and Disability that I had signed up for that she was looking at during our meeting. Now they are saying it does exist. That I did not have it. Why would I have paid for gap if I did not have insurance at the time. I have asked for my old claim number for OKCPS so that I can file. They only one they are presently shairing is the one for Deer Creek. OKCPS is the one that I need but I need both. I have requested access to my files for both districts. I did call yesterday they filed an inquiry and they said 2 businessdays. I requested my file with ****** and is saying now now record? What. I feel like they will have to pay out and are avoding

  

  Business Response

  Date: 01/11/2023

  Please see attached. Thank you.

• Initial Complaint

  Date:01/04/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore 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.

  I opted into voluntary spending accounts for healthcare and dependent care (childcare) with American Fidelity through my employer. I had a relatively smooth experience with them in 2021 but in 2022 this changed.- My benefits enrollment form was filed incorrectly and is now lost. I made a significant change to my dependent care deductions from 2021 to 2022 and this was not changed, even after I made it known. - As a result, I continued to have deductions beyond what I could spend on dependent care and this was only partially "fixed" when I asked my employer to cease said deductions. I also had limited deductions going into my healthcare account and I had already spent it.- From November 2022 to present I have at least 40 emails between my employer, AF, and myself and I made multiple phone calls, taking hours out of my day. On 12/12 a staff member by ****** told me that my enrollment form could not be found. On 12/13 she called to tell me that they were able to transfer my DCA deductions to my healthcare account. ************************* also alluded to this in an email on 12/12/22. - On 1/3 and 1/4/23 AF sent money to my employer that suggests this transfer was not made. It is also not reflected in my dashboard. My deductions and what is on my dashboard do not match and there is $295 not accounted for. - I have done most of the calculations and work, without resolve, costing me work time and productivity.

  

  Business Response

  Date: 01/13/2023

  Please see attached. Thank you

• Initial Complaint

  Date:12/29/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  ************** Account that I am told not able to use to pay for prescription glasses. I sign up every fiscal year to renew my *** account with American Fidelity, at the time of signing up I was told I had until December 3 to use my funds from my account. This year, I was told that I am too late as of today's date December 29, 2022, to use the $300.00 I have on my ***. I tried to purchase glasses with a company that could not fulfill my prescription and it took 10 days to reimburse the *** card. Today 12/29/22 I contacted American Fidelity to ensure the account was reimbursed by the company that could not fulfill my prescription and it was but was told I was not able to use my card with funds for the current year. All I want is to use the amount of money for the 2022 expenses to purchase my glasses with the money I place every month, my hard-earned money is not anything anyone contributes but me. I want to be able to use this year's funds and not next year, I need to replace my glasses every year due to my prescription. If I do not use the funds for this year, the funds go to American Fidelity and it is unfair for the company to keep the money I put in an account for medical expenses.

  

  Business Response

  Date: 01/06/2023

  Please see attached. Thank you

• Initial Complaint

  Date:12/21/2022

  Type:Order Issues
  Status:

  AnsweredMore 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.

  Since November 29, 2022 I have been contacting, by phone, American Fidelity Assurance Company where I have 3 policies. I have retired and wanted to change my payments to be directly payed by me to them and not the company that I worked for AND I wanted a statement showing each month and date of that month that payments have been made this year (2022). I have repeatedly called and spoken to people there that seem to have no idea how to get me this information. They cannot give me any information on my policy and there is no way to email them and get a response. The only option is calling them, then scheduling an appointment with their callback service, and waiting for a call back in the next few days which also results in absolutely no resolution.I would like a detailed statement of payments made during the 2022 year. At this point, they continue to tell me they cannot give me this information. These policies are mine, I have been paying on them for many years, and I would like to see what their cash value is along with begin to receive monthly statements as well as the complete information of my 3 policies.

  

  Business Response

  Date: 12/27/2022

  Please see attached. Thank you

  Customer Answer

  Date: 12/27/2022

  
  Complaint: ********
  
  I am rejecting this response because:  

  
  

  1.  To date I have not received any **** mail or email that give me a "statement of payment due" for the payments DUE for ******* for TWO of the THREE policies I have with them.  I have received ONE letter from American Fidelity for the CANCER policy and ONLY the CANCER policy specifying it is a "statement of payment due", received in **** mail on December 21, 2022.  I have TWO other LIFE INSURANCE policies that I have NOT received any **** mail as a "statement of payment due" for those policies with their due date and information for "statement of payment due".

  
  

  2.  I have yet to receive the payment history detailing the dates of payments for ******* 2022 through December 2022 by **** mail.

  3.  I have yet to receive the policy monetary values by **** mail.

  
  

  Until I receive all of those items, I would like to keep this complaint active since I have been trying to obtain this information since November 29, 2022 and have been unsuccessful by contacting them by phone.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 01/05/2023

  Please see attached. Thank you.

  Customer Answer

  Date: 01/05/2023

  
  Complaint: ********
  
  I am rejecting this response because:  

  1.  As of today, 1/5/2022 I still have not received any "Statement of Payment Due" for the TWO LIFE INSURANCE POLICIES that I have.

  2.  As of today, 1/5/2022 I still have not received ANY statement on my THREE policies (TWO LIFE, ONE CANCER) of the payments and dates of those payments for the 2022 year.

  
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:11/14/2022

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  American Fidelity Health Care Spending Account I have mailed in required documentation as soon as I received a notice with a payment made to Columbus Radiology for 75.00 via online using my debit card. Card was used June 2022. Mailed in required documentation following request to address listed in Alamonte Springs, Florida. Received letter 2 months later that card was deactivated due to no receipt of documentation. Called customer service and the representative said perhaps it was lost. Sent in documentation via email with attached pdf and got message from American Fidelity that "we have received your documents." Now, new letter dated November 10, 2022 states that debit card is deactivated due to "no documentation received."
  

  

  Business Response

  Date: 11/23/2022

  Please see attached. Thank you.

• Initial Complaint

  Date:10/07/2022

  Type:Order Issues
  Status:

  AnsweredMore 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.

  I have a flexible health savings account in which they take money from my check every month and I file claims when I spend the money on eligible medical expenses.Not once, but twice I have submitted documentation from health care providers and the claim was denied. I called them and the person on the phone apologized, indicated clearly that I had provided sufficient documentation and that I would be reimbursed. Then, in both cases they called or emailed back to let me know that the claim was going to be denied.So in one case I drove to the surgery center, they reprinted the invoice and wrote in by hand the actual name of the surgery they performed and signed that in long hand. When I resubmitted that they paid. Now I am dealing with the same situation, again. I am going to have to call the optometrist and have them print another invoice and resubmit it, again, and maybe they will approve it, maybe they won't.But the real issue is that when I call, they say they will approve it, and then they don't approve it.I'm not going to upload the documents a third time, they have had them for weeks.

  

  Business Response

  Date: 10/12/2022

  Please see attached response.  Thank you.

  Customer Answer

  Date: 10/13/2022

  
  Complaint: ********
  
  I am rejecting this response because:

  
  

  1. I did indeed attach a copy of the bill and payment for 90 dollars.

  
  

  2. This fact was acknowledged during a phone call with this business. 

  
  

  3. American Fidelity's representative informed me that I had complied with the necessary documentation.

  
  

  4. American Fidelity's representative informed me that my claim would be processed within a couple of days.

  
  

  5. Three days later I received an email contradicting what I had been told on the phone.

  
  

  American Fidelity has been provided with the name of the claimant, the name of the service provider, the procedure performed, the date this occurred and proof of the expense and my payment of it.

  
  

  And, to be clear, this sort of nonsense never happens with a 10 dollar claim, it only happens with claims, in this case 90 dollars, or the last time the exact same thing happened, over 350 dollars.

  
  

  If you have an option, do not get into a relationship with this business.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 10/17/2022

  Please see attached. Thank you.

  Customer Answer

  Date: 10/18/2022

  
  Complaint: ********
  
  I am rejecting this response because:z

  
  

  First of all, this is the second time this has happened. That they rejected a claim, and then said it was OK, and then rejected it again.

  
  

  Second, this only happens with larger reimbursements. If you send them 8 dollars worth of Contact lens solution they never mess around with this.

  
  

  Third, what could I possible spend 90 dollars on at an optometrist office that was not a medical expense? The last time they did this nonsense the bill was for some hundreds of dollars from a Surgery Center. Maybe they thought I got a massage, or bought a chair. And again, the same process, denial, OK the claim and then deny again.

  
  

  I'm resubmitting this today, again, and the receptionist actually laughed at how lame American Fidelity is, and assured me that other customers have had the same problems.

  
  

  At one level, it is OK because my time is free and they have wasted hours of their own time dealing with this. They could have just approved these things, like they used to do before it was done online, but now that it's online they have become absurdly officious and inconsistent.  I had this reimbursement account for over a decade and they never denied a claim when it was sent in hard copy in the mail.

  
  

  So, hoping you are wasting more time and costing yourselves more money...

  
  

  I perversely am looking forward to this clown car company doing this again, for the third time.

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/26/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore 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.

  On August 24, 2022 I called my local American Fidelity ********* office to request the cancellation of my three policies. I was hung up on twice, and then told to talk to the **** office instead. They refused to answer/return my calls so I called the general **************** Number where I was told that both the Manager ***** and the agent who wrote my policy Pebble, would be sent an email asking them to call me back within 48 hours - which NEVER happened. Then after sending an electronic written request to American Fidelity from their website asking them to cancel my policies effective "today" 8/24/22, I received an email on August 27, 2022 from ********************* the State Manager, who stated that she would have all three of my policies cancelled. After receiving my first paycheck I noticed the money was deducted from my paycheck, a total of $106.04. I emailed ****** who stated "The cutoff for payroll is approximately 10 days prior to payroll so the cancellation request was not received prior to payroll processing and would be effective for the next payroll." Now had they cancelled my policies on the day I requested it, I would've made the 10 days - regardless I decided to wait. I have now received my 2nd paycheck with $106.04 deducted again. I am asking for my $212.08 returned PLUS interest within the next 10 business days for their negligence or I WILL PRESS CHARGES.

  

  Business Response

  Date: 10/03/2022

  Dear Ms. ********:
  This correspondence is in response to the Better Business Bureau complaint received in
  our office on September 26, 2022, filed by the above referenced complainant.
  The complaint submitted by our insured states that on August 24, 2022 she sent an
  electronic written request for American Fidelity to cancel her three policies and was advised that
  the changes would be processed effective with her next payroll. She states that she noticed
  deductions on her next two paychecks. She argues that if her cancellation was processed on the
  date requested no money would have been deducted. She requests a refund with interest paid.
  At American Fidelity, we value our customers and are committed to providing quality
  insurance products and customer care to our valued insureds. The insurance coverage discussed
  by our insured is coverage under an employer’s benefit plans. Accordingly, any changes in
  coverage must be coordinated with the employer and are subject to the employer’s payroll
  parameters for deductions. Our insured contacted us on August 24, 2022 requesting cancellation
  of her coverages. In accordance with the employer’s rules, we submitted the requested change
  to the employer on September 7, 2022 requesting her deductions stop effective September 21,
  2022. The employer advised us that the changes would not apply until the following pay date of
  October 5, 2022. Based on our review, it appears that all necessary steps were taken to process
  our insured’s cancellations as quickly and efficiently as possible while adhering to our procedures
  and that of her employer. The insured’s coverages have been cancelled and we will process and
  issue refunds to her employer for applicable deductions received.
  Our goal is for our insureds to have positive experiences with American Fidelity, and we
  invite the insured to contact us if they would like to further discuss the situation. They can contact
  our Customer Service Department at 800-662-1113.