Customer ReviewsforAmerican Fidelity Assurance Company

Total scam should have got aflac,customer service is the worst dropping them right away.

Dear Mr. ************ you for taking the time to share your views. As a family-owned insurance Company with over 60 years in business, providing protection for our insureds is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds. We are sorry to hear that you did not have a positive experience with our customer service.We reviewed your recent claim history and found that you submitted a claim on June 13, 2024 requesting policy benefits. After review of your claim, we requested additional information to determine applicable benefits. We received the additional information on July 3, 2024, and on July 5, 2024 applicable benefits were provided. Based on the information available to us, your claim was processed as quickly and efficiently as possible and benefits were provided in accordance with your policy provisions.If you wish to discuss your specific concerns in more detail, please contact our ******** Service Department at ************.

Six months of runaround trying to get a refund on payments my school district took out of my paycheck for a cancelled policy. They raised the premium in September, the DO didn't adjust my deduction (it was off by a dollar and change) so they cancelled me in November. HOWEVER, I was not notified until FEBRUARY! The inept DO tried to reinstate the policy by continuing payments, but AF didn't reinstate it, just kept the $$$. Working with my union and superintendent now, since I've learned I'm not the only teacher this has happened to... AF's representative was very friendly and understanding, but there's been no resolution after dozens of emails, phone calls and meetings... it's been half the year and I'm out hundreds of dollars.

****************: Thank you for taking the time to share your views. As a family-owned insurance Company with over 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.Upon review of your concerns, we found that on January 25, 2024, we contacted your employer regarding a premium shortage for your increased disability coverage. As we did not receive a response, your disability policy lapsed effective November 1, 2023. Correspondence about the lapse was mailed to you on March 11, 2024. Although applicable premiums have been refunded to your employer, your employer has continued to remit premiums. We are working with your employer regarding refund checks so that the funds can be appropriately returned to you through payroll. Furthermore, per your drop form request received on June 19, 2024, your Accident plan will be cancelled effective September 1, 2024. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.

I am cancelling my policies as soon as I can. I have the hospital indemnity plan and my son has to have his appendix removed. He went into the ** on the 16 was admitted on the morning of the 17th and released on the 18th. I provided tons of documentation for them but was denied because according to them he wasn't in the hospital longer than 18 hours. Apparently their employees need basic math classes to figure out how many hours are in a day and apply that to threw day?! Either they can't do math or they are a scam company.

Dear ****************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our customers. We are committed to providing quality insurance products and ******** care to our valued insureds.Before receipt of your customer review we had already reviewed the claim documents submitted June 12, 14, and 19, 2024 requesting benefits under your hospital indemnity policy. We determined that benefits were payable and on July 5, 2024, we provided applicable benefits for your sons claim. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.

My mom and step-father paid into their life insurance policy for approximately 40 years. Both policies were $25,000.00 each. My step dad passed away in 2022 and my mom received his life insurance amount. However, my mom was diagnosed with onset dementia, which all of her financial needs were directed through a non-profit rep-payee organization. Apparently, American Fidelity sent a bill to my mom's address rather than sending it to the rep-payee, saying the she missed a payment. Due to this letter not getting to the rep-payee, mom's life insurance was cancelled. It is sad how American Fidelity took advantage of my mom's situation and created a "loop-hole" or a mishandling of communication to not have to pay out the $25,000.00 they owe. I have heard this happen to others as well.

**************: Thank you for taking the time to share your views. As a family-owned insurance Company with over 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.After receipt of your customer review, we reviewed your concerns relating to your mothers life insurance policy. Based on our review, although we followed the policy language and insurance law in handling your mothers insurance policy, we are going to restore the policy from *********************** and pay you the balance of the benefits as the beneficiary of the policy. If you have not already heard from our benefits department regarding this matter, you should soon. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.

I left a job 7 yrs ago and still get emails from American Fidelity saying I have $ in an account. I finally called them, was left on hold for ******************************************************* on hold and now its been an hour. Not sure how hard it is to close an account and send a check. They are thieves holding onto money that is not theirs.

Dear ****************:Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.Healthcare Flexible Spending Accounts (Healthcare FSA) are subject to very specific Internal Revenue Code (IRC) regulations. The general rule for Healthcare FSA is that when amounts elected for one plan year are not used for expenses incurred before the end of that plan year, then any amounts remaining are forfeited. There is an exception, however, that allows employers to structure their plan to allow a carryover of a certain amount of funds remaining at the end of a plan year to and account in the next plan year. Your employer Basset USD included this provision in its plan. You enrolled in the Healthcare FSA for the plan year from 7/1/16 to 6/30/17. At the end of that plan year, you had $225 remaining which was carried over to the next plan year. It appears you used $210.38 of the carryover the following plan year. It does not appear your employer notified us that you terminated employment, which would terminate your participation in the Healthcare FSA and result in forfeiture of any remaining balance. Therefore, the small remaining balance continued to carryover, and you continued to be notified of a balance. We discovered this issue on 7/1/24 when you called to let us know you were no longer employed by Basset USD. We have since verified with your employer that you terminated in September of 2017. Therefore, your account will be terminated as of the date of your termination, and you will no longer receive notices. As your employment terminated in 2017, your remaining balance of $14.62 will be forfeited and returned to the employers plan in accordance with the IRC.If you wish to discuss your account again, please contact our ******** Service Department at ************.

Supposedly help by using pretax money to pay for medical issues. I am a teacher. The last company was 10x times easier to work with. American Fidelity seems like a scam company making it is difficult as possible to get reimbursed to get your money back.

Dear ******************:Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.Healthcare Flexible Spending Accounts (Healthcare FSA) are subject to very specific Internal Revenue Code (***) regulations. Reimbursements from Healthcare FSAs may not be made unless documentation from an independent third party proving an eligible medical expense is received by the claims recordkeeper (in this case American Fidelity). To be an eligible expense, the expense must be within the applicable plan year, for a covered individual, and must be for a medical expense as defined by the **** Even when using a Healthcare FSA debit card to pay an expense, documentation proving an eligible medical expense must be provided after the card swipe except under specific exceptions. The *** rules require that if the proper documentation is not received, the Healthcare FSA debit card be deactivated. Accordingly, our procedures are simply following *** requirements. If we fail to follow these requirements the tax status of your employers Healthcare FSA plan is at risk.We do see three denied claims due to lack of documentation and three pending claims which still require documentation to be submitted that shows what the service was, when the service was received, and who received the service in order for us to determine if the claim is reimbursable. If you wish to discuss your specific claims and the documentation required, please contact our ******** Service Department at ************.

I am looking into suing American Fidelity. I have spent over 20 hours on the phone with them the past two months. My bank account is over drawn as they owe me over ***** dollars and they have been lying to me for months, telling me it is being escalated. Here I am 3 months later and nothing. If I could give them a zero, I would. I am taking this to my union and school board; one of the largest districts in the country, to urge them to stop using American Fidelity. I am appalled at lack of knowledge and the fact that no one seems to know what is going on. Every time I am promised a check is sent or it is being directly deposited, I am then told something different the next day and I am forced to wait another 5 to 7 business days. I am a single mom of 3 young children and use the company for dependent care, so now I have been paying double since March. I cannot and will not stop advocating for what is rightfully mine and for what is impacting the lively hood of my children who don't have food to eat or gas to take my son to his all-star tournament this weekend. It has been broken promise after broken promise. They will not email me what we have talked about and our call record but I will expect to hear the phone recordings when I take them to court. I will call everyday and let everyone I know the disfunction of this company! They "understand" and apologize every time I call, but clearly they don't. I am angry, disappointed and heart broken for my children. The negative impact this company has on the lives of Americans shows no fidelity at all.

Dear ******************:Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.Please understand that ************** Flexible Spending ******** (************** FSA) are subject to specific rules based on the Internal Revenue Code regulations and your employers plan document. Typically, and in the case of your employers plan, reimbursements from ************** FSAs can only be made to the extent of contributions to the ************** FSA. Although you may file claims that are more than the amount of contributions to your ************** FSA and we will pend those claims and reimburse them as amounts are contributed, we cannot reimburse claims exceeding the amount contributed to the account. At this point, you have received reimbursements of $3,000, the total amount of contributions made to your ************** FSA by your employer. There are remaining claims totaling $1,360 will which be reimbursed as contributions are made to your ************** FSA.

This company should not be in business!! They are good at taking your money but when it comes to paying out when you submit a claim they find all kinds of excuses to not pay out. My husband had an accident back on October 12, 2023. I have a policy for STD for him been paying for 4 years through my employer. I file a claim for his STD on March 15, 2024, my claim was denied cause American Fidelity Company stated that I needed to file within 90 days of injuring. How can I file within the time if he wasn't out of work, and we have no idea he was going to be out of work. Doctors are not going to fill out any paperwork if the patient is not totally on disability they follow the medical protocol. This is fraud submitting paperwork while you are still working. I'm sure my human resources is aware of this, they need to change insurance company! I will be canceling my policy with them.

Dear **************, Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.After receipt of your customer review we reviewed the claim submitted March 21, 2024 requesting benefits under the spousal rider of your policy. We determined that benefits under the rider were payable and on April 23, 2024, we provided applicable benefits under the rider for your husbands claim. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.

This company is a total mess. Your employer choses them so they know that you can't do anything about their terrible service. Almost every interaction I have had with them has been painful. Nothing has been easy from setting up the online access - was on the phone for hours - to getting my card - had to have it sent 2x because they messed up the address. They have denied claims for no apparent reason and just asked me to resubmit. They also took out the wrong amount of money every month which I caught myself. In a functioning market, they would be out of business. I expect them to be eventually if they don't invest in IT and infrastructure.

Dear ******************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We do understand your frustration. Your situation is very unusual in my experience. Usually, issues I review are due to participant misunderstandings and rarely administrative issues. In your case, your record shows that due to information discrepancies or administrative errors, three of your claims were denied in error, you had difficulty opening your online account, your Benefits Debit Card was delayed, and your Healthcare FSA balance required adjustment. We are very sorry for these inconveniences. We will internally discuss these issues to work on minimizing the chance of another customer experience such as yours.If you wish to discuss this matter in further detail, please contact me directly at ************************************************************************ or ************.