Same here, also with Aflac - had lots of emails, and actually managed to even speak to someone on the phone, with no use. Had to file complaints to every place

Same here, also with Aflac - had lots of emails, and actually managed to even speak to someone on the phone, with no use. Had to file complaints to every place I could find to complain for them to fix the issue - which was a totally trivial issue like they have requirement to have form called "Foo Bar" and the form my provider produces is called "Foo Baz" and it's obviously the same thing but since it doesn't have the same words they expect nobody dares to make that determination. Took me several months to get through it. Can't see any ads from Aflac that advertise instant cash payoffs without laughing bitterly.