Wednesday 5th of April 2017 12:44:59 AM
Insurance failure to pay benefits then erased history - My grandmother paid her premiums for some time and never had need for the benefits until she became ill the 2nd time and was hospitalized for 2 weeks at one hospital, then transferred to a larger hospital where she passed away 2 weeks later. I handled her affairs personally and medicare paid not one cent and Blue Cross Blue Shield paid every penny (and her death benefits through her work insurance as well) and paid for the funeral. When I contacted American Republic for benefits for her time in the hospital so my uncle who lived with her would be able to pay the bills (since he was unable to work due to an injury), they said they would send a form and would contact me further. They didn't. Shortly thereafter, she passed away and I called them again to notify them and to inquire of the status of the holdup and why. I got the same runaround again. One week later, I had her death certificate in my hand which they require along with all insurance companies and I learned they had completely deleted her from the system! When I asked for a manager, the manager was snide and rude, basically telling me I was a liar and that my grandmother was never their client and made all sorts of comments. In my grief over her loss and my anger over the rough treatment, at that time, I nearly decided to take a little trip to meet this crass individual face to face. Only my pregnancy kept me from actually clearing my bank account, signing over all my belongings and property to my husband and making a one way trip there. Messing with someone when they are grief-stricken isn't a good idea. She was my world. My uncle is now dying of cancer and penniless. Those benefits would certainly help him more now than in those years ago since her worker's death benefits paid for her funeral at that time and some of it was left over to get her bills caught up. American Republic will never make this right. I have all the proof in one box to prove my words right up to her death and after. I wouldn't speak of this in print if I didn't have the proof and her cancelled checks to prove her premiums were paid faithfully. I would never ever recommend this company to anyone except an enemy if I had one, and I don't because I am good to everyone. I also would suggest that any of the blowhards who make statements referring to the unhappy, adult clients as "the little boys and girls" that has been done earlier in this forum to stop it for it is a thoughtless and inconsiderate statement and shows your ignorance, not theirs. Belittling others is cowardly, foolhardy and a self-centered form of bullying, in my opinion. If you had a good run with this company, then good for you. But you won't know if your family will benefit from it after you are gone someday, will you? You shouldn't and can't invalidate those who have been totally screwed over and tossed on the garbage heap like my family and the other families who have. In fact, your loose words convince me that you probably work for the company. If you want to dictate your ideals, then argue with God, that is, if you believe in Him for it is written - Vengeance is mine, sayeth the Lord.