Sunday 12th of March 2017 01:33:51 PM
In January 2010, my mom applied for $50,000 "guaranteed" life insurance. She received an additional "offer" for a $35,000 rider in April 2010, which she took. She was paying $156 a month due to the fact that she was a smoker who had quit but not for over a year. So she gladly paid the rates. She did this, because both her parents, 3 of her brothers, and 2 of her sons died in the previous 10 years and she didn't want her 2 surviving children to be left with any bill. She also wanted to leave small amounts for her grandchildren. My mom had no insurance from June 2008 and hadn't seen any doctor, period. She told NY Life/AARP this. She was 100% honest. Everything was fine until October 2011 when she felt ill and I took her to the doctor. They sent her to the hospital, and all in 1 day, October 9, 2011, she was diagnosed with pneumonia, emphysema, and COPD. These came about with no signs of previous illness. My family of 5 moved in to help her get better, but suddenly her 2 cats died, mom's pneumonia wouldn't go away, and our 3 children got mysterious infections. It turned out she was back in the hospital in November 2011. After tons of tests on our children and mom, it is determined that her entire home has been taken over by black mold! After her November 2011 ICU visit, my mom went 100% blind in response to the steroids they treated her with. Since nothing could be cleared up due to the rapid deterioration of her health and her blindness, momma gave up and she passed away on February 6, 2012. NY Life/AARP decided that it is impossible to die from emphysema in less than 6 months. We provided all the medical records from October 2011 to her death. But it's been almost 6 months. The house was condemned. Our children have just now completed their antibiotic treatments, and NY Life has decided that "somehow" mom knew she was sick. I loved my momma and miss her daily. And trust me, if she was sick, we would have known because my beautiful momma loved her attention(!) (in a funny way, you know) and she would have told us! Anyway, now NY Life is fighting with a 2008 doctor my mom saw (They treated her for 1 case of bronchitis and a car accident in early 2008.), and the doctor is quoting HIPPA law and refuses to release anything. So basically, we are left with tons of debt and hateful cruel responses from the insurance company. She would not have paid that $156 if she knew they would have made our lives hell. We asked 1 of the underwriters "How can you sleep at night knowing you are making people's lives hell like this?" Her response? "Knowing I am making money and will get a bonus, Ma'am." They are cold-hearted, hell-bound people.