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Melanie's complaint:
December 01, 2020

Insurance Company: American Fidelity Assurance
Coverage Type: Disability Insurance

  • PolicyHolder Service - Incompetent Employees
  • PolicyHolder Service - Abusive Service
  • PolicyHolder Service - Inadequate Reimbursement
  • Claim Handling - Unsatisfactory Settlement/Offer
  • Marketing & Sales - Misleading Advertising
  • Marketing & Sales - Misrepresentation

I have been paying for a disability insurance policy with this company for 30 years. I was diagnosed with PTSD and I made my claim.
The first month I received 2800 dollars. The second month I received 1700 dollars. And I was informed YESTERDAY that this month I would be receiving ONE HUNDRED EIGHTY-FOUR dollars today, December 1st.
This decision was made on 11/17, however I was not notified until yesterday when it was too late to stop my upcoming bank activity and, before the sun came up today, I was almost 1000 overdrawn.
I am on disability because of a PTSD diagnosis. I am currently unable to get the very important medication I need and I am going through drug withdrawal. I am not under a dr's care. I am physically sick, and I am seeing withdrawal symptoms that I've never seen before. PTSD is an extremely dangerous illness and I AM TERRIFIED. I don't know what my mind will do without this medication.
I have spoken with the company 4 times in less than 24 hours.
While speaking with Teresa Parrish, she suggested that I contact my Dr and see if anything can be done. She said this after spending the past few minutes NOT listening to me tell her that I recently moved across the country and I have no support system here yet. This clearly showed me that MS. Parrish was not listening to me at all because my Dr is over 1000 miles away in another state. I don't call this professionalism.
Ms. Dana Spain is the employee responsible for processing the claim, and I assume responsible for notifying me of the change in benefits, which she did not do.
Can YOU live on $184 per month? Have I paid for this for 30 years to be treated like this?
I don't know what will happen in the coming days and weeks. I hope my next benefit won't be a death benefit, because I just don't know what is going to happen with this unmedicated illness.
I fear that I have been plunged into a financial tailspin that I will never recover from. I just finished paying off the bankruptcy that my ex husband caused. I did it BY MYSELF. I had no child support and he didn't pay a penny on it. At one point, I was collecting rain water to flush toilets. Now, I know what's coming up for me financially, and I fear its another jolly trip to bankruptcy court. I have finally clawed my way back into financial daylight and now I have to deal with this.
Good job American Fidelity! Is it part of your business plan to bankrupt your customers?

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