An AFLAC agent gave a presentation at my wife's place of employment a while back, and after the meeting, she approached him about purchasing insurance to cover lost income due to maternity leave. Co-workers had signed up for similar benefits, and had been satisfied with the service, so my wife was interested in signing up, as we were about to start trying to have our first child. They visited about this for some time, and she made it clear that the lost income was what she was interested in protecting during maternity leave. She signed up for what she believed were these particular benefits.
After some time (the 10 month period stated in the policies is not an issue) she became pregnant. I reviewed her materials and found documentation concerning (1) A Voluntary Indemnity Plan, which is a hospital confinement indemnity policy; and (2) A Personal Sickness Indemnity Plan, which is also a hospital confinement sickness indemnity policy; and (3) A Personal Disability Income Protector, which is a short-term disability insurance policy.
As I was reviewing the documents, my heart sank when I looked at the receipt. The agent checked the first two, the Voluntary Indemnity Plan and the Personal Sickness Indemnity Plan. Basically, these are the same policy with a little less benefits for one than the other. However, the language is exactly the same. Some benefits are provided regarding pregnancy, it appears, but not the one thing that was the key to us, which was her income. Long story short: The agent seemingly checked the wrong box and signed us up for the wrong policy that began with the word 'Personal.'
I have read a few of the reports on here, and I have no evidence of wrongdoing at the moment. I think it's just a foul up by the agent. Otherwise, it would make no sense for my wife to basically take out two of the precise same policies. Anyone had any luck in such a situation? Although I think it is fairly clear what was intended, and the premiums are virtually the same, I do not necessarily anticipate AFLAC just doing the right thing and applying our premiums to the policy that we really intended to purchase. The results will be a resulting serious economic hardship that we thought we were doing our best to avoid.