by Chaka » Tue Dec 04, 2012 11:44 pm
I am a 40% beneficiary on my deceased fiance's life insurance policy through his employer. (He told me when he signed up and I also saw his confirmation of benefits page after his death.)
On November 6, 2012, I submitted the claim to the life insurance company and copied the employer benefits department.
Later on November 6, 2012, the employer benefits department sent me an e-mail stating that they were in receipt and would get their part of the claim to the insurance company and that it would take one week for processing.
The insurance company told me around November 9, 2012 that they needed no further information or documents from me (unless I could get a copy of the death certificate sooner than the employer) and that the only thing they needed to process the claim was the "proof of loss" documents from the employer (which would include the death certificate as I read the forms).
I have sent several e-mails to the benefits rep requesting status, a date she will send documents, etc.
The insurance company has sent two e-mails specifically requesting a date they will receive the proof of loss documents.
I called today and left the rep a voicemail. I followed up with a confirming e-mail requesting a response by December 6th.
The lack of communication from the rep is incredibly frustrating and annoyingly unprofessional. I don't understand it.
With that being said, I would like to know what are the employer's legal/good faith duties and statutory limits (State of Mississippi) regarding processing the proof of loss documents and delivering them to the life insurance company?
If I don't hear from the rep by the 6th, what would you suggest my next steps be to move this forward?
Thank you.
:?:
On November 6, 2012, I submitted the claim to the life insurance company and copied the employer benefits department.
Later on November 6, 2012, the employer benefits department sent me an e-mail stating that they were in receipt and would get their part of the claim to the insurance company and that it would take one week for processing.
The insurance company told me around November 9, 2012 that they needed no further information or documents from me (unless I could get a copy of the death certificate sooner than the employer) and that the only thing they needed to process the claim was the "proof of loss" documents from the employer (which would include the death certificate as I read the forms).
I have sent several e-mails to the benefits rep requesting status, a date she will send documents, etc.
The insurance company has sent two e-mails specifically requesting a date they will receive the proof of loss documents.
I called today and left the rep a voicemail. I followed up with a confirming e-mail requesting a response by December 6th.
The lack of communication from the rep is incredibly frustrating and annoyingly unprofessional. I don't understand it.
With that being said, I would like to know what are the employer's legal/good faith duties and statutory limits (State of Mississippi) regarding processing the proof of loss documents and delivering them to the life insurance company?
If I don't hear from the rep by the 6th, what would you suggest my next steps be to move this forward?
Thank you.
:?:
Posted: Wed Dec 05, 2012 02:25 am Post Subject:
Visit the employer in person.
Posted: Wed Dec 05, 2012 04:01 pm Post Subject:
While that is possible, it is not really feasible -- they are in Maryland and I am in Louisiana. :)
But, lo and behold, after leaving a voicemail yesterday and following up with an e-mail this morning, I FINALLY got a detailed response from her and supposedly everything will be finished today.
Thank you, MaxHerr!
Add your comment