Category Archives: Life Insurance

Empire Life Insurance apologizes and Hudson’s Bay reimburses

The garden is one way I have to heal

The garden is one way I have to heal

Last Friday, I followed through with phoning Empire Life Insurance and got a reasonable person in the call centre. After explaining the situation, she said she would look into it and get back to me Monday after 12 noon when she was back into work. When I said I had a dentist’s appointment that afternoon, we sorted out that I have vm and she could leave a message.

She did a couple better than that. She waited until 6 p.m. yesterday to call to make sure I was back home. And she fixed it. She checked my computer file and said there was a flag on it since 2013 to not send the letter and to automatically up the premium at the beginning of each new fiscal year in August. She explained that the letters are generated (from the computer) automatically and  sent out automatically unless someone follows the flagged info and someone missed doing that this year. She said it was human error and she apologized for the company. She also told me the amount of the increase which starts with the August bill and confirmed that the amount on the quarterly bill I have is the right one to pay by June 1  and to ignore the amount in the letter and the letter itself.

I accepted her apology. So, no repercussions for Empire Life Insurance Company now.

The companies doing something to fix their errors continues. I have mentioned before having problems with my prescription glasses which I bought at Hudson’s Bay Optical in December 2014. Unfortunately their warranty is only for one year – which covered the replacement of one pair of sunglasses last fall because the one frame handle kept falling off and could not be screwed back in – only could be temporarily glued. They still had one more frame like it, so the lenses were switched to those frames.

Last month the same thing happened with the new frame and in I went and had it glued back on with the caveat that new prescription glasses would need to be purchased as these glasses frames were no longer available.

Mother’s Day at the restaurant the frame side fell off again. My son snapped it in. Then two weekends ago, the right lens popped out of the regular prescription glasses. When I went in to have them popped in (this is free), I ordered a new pair of prescription glasses and of course had to pay full price as the warranted expired in December 2015.

The saga continues. Last Saturday the lens again popped out of the regular glasses and in a very bad mood I took public transit to Hudson’s Bay Optical. They didn’t mind popping it in again and did so. I was wearing the sunglasses and so just put the regular glasses back in their case. They did check and said the new sunglasses had left the manufacturers on Thursday and should arrive this week, Tuesday or afterwards. They also said the manufacturer is in the United States, which would explain the long time frame (pun intended).

Does this also explain the poor quality of the glasses? Because I decided to complain to the manager about all this nonsense. By then I was out of the optical department and walking through the cosmetic department. One of the cashiers called the manager and he came down.

We discussed the glasses problem with me making comments about the poor quality of the glasses and I never had this problem with Sears and had only switched to Hudson’s Bay Optical because the Sears store downtown had closed and the mall locations of Sears are too far for me to go on public transit. I also said I had been wearing glasses for 46 years and had never had lenses pop before. I also complained of the one-year warranty Hudson’s Bay policy compared to Sears two-year warranty policy. He said he would see what he could do about that.

Then he decided I should get half the amount back of what I paid for the sunglasses and had the clerk in cosmetics do the transaction.

While we were talking he noticed that the frame on my sunglasses had again become detached. I handed him the offensive glasses and like my son had done, he snapped it back it.

The next morning at home I noticed that the lens for the regular glasses hadn’t been popped in correctly – it was the same as I managed to do to pop it in with one corner not all the way in.

I’m hoping it stays until I go in later this week to pick up the new sunglasses. And I’m not wearing the sunglasses much if at all in case the frame falls off again. I cannot pop it back in.

The glitches/snafus are getting to be too much and they have affected my health. Last Thursday, I dealt with five problems – all sorted out; Friday was calling the insurance company. Yesterday I finally had that filling put in the back bottom tooth, so hope that is now going to be okay

What all this stress, all this having to be my own consumer advocate is doing is making my IBS and the like worse and it is scaring me. I’m making some changes – more exercise as in walking and gardening (neither of which was done from Saturday to yesterday because of the cold weather). Today it is still too cold to do more than collect fresh flowers but I hope to get out for a walk. I am changing my diet slightly, but mainly starting to drink more water as I’m sure I’m dehydrated. Have also done some more research on the Internet and will see a nutritionist at the Health Planet for suggestions on supplements to help.

And do some meditation regularly and other stress reduction things. Plus get more sleep. Eliminate some stuff from my life and postpone some.

All this may be very well. But God will have to do his part, i.e. stop sending me so many problems in all areas to deal with. And send me some more money to ease the financial burden. The latter is starting to happen. But the first part has to happen or all the lifestyle changes in the world may not be enough. I don’t have the good fortune to have a partner to help with things so the burden of all falls on me. Lessening it would be very helpful.

That’s my take anyway.

Cheers.

Sharon

Only Child Writes

 

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Filed under Anxiety, Consumer action, Digestive disorder, finances, Gardening health benefits, God, Healing through gardening, Health, Help and Support, Home and Garden, Life Balance, Life demands, Life Insurance, Meditation, Older Women living alone and health, Pain, Worrying

Only Child declares war on Empire Life Insurance

Only child prepares to battle more human screwups

Only child prepares to battle more human screwups

Mother’s Day was good. My son Martin and his girlfriend Juni took me out for brunch and afterwards he came with me back to my house to do a few odd jobs and talk computer and other stuff with me. He removed the cover from the air-conditioner (the jury is out if and when the a/c will be used this year with the cold weather still) and put in the heavy top part of the patio umbrella. He didn’t have to hammer the nails back into the patio table as the arborist did come through and fix their damage. (See my added comment from last week’s post). Martin also helped me save and include old newspaper photos into Power Point (from the Toronto dailies online through the Toronto Public Library research connections). These are  for the memoir writing course I’m teaching next month.

I walked with him to the bus stop and after he boarded the bus I went to the nearby Home Depot to buy some bone meal. Because the weather included sporadic short showers I didn’t do any gardening and accepted that. Spent time reading newspapers and a book. Okay will all that.

Then yesterday – Monday – arrived and all the shit that brought. Again due to other people’s bad judgement/stupidity. Sheesh! I can get into enough trouble on my own without all this outside stuff.

First I got through five (yes, five) issues – some health-related but most connected to snafus with the house, city services and a utility. So, I phoned the dentist’s office to book an appointment but couldn’t get one until next Monday, did follow-up phone calls on the windows manufacturer coming to fix a problem with a window (under warranty but appointment has been postponed several times partly because of weather and partly they only will come when their techs are in the area), the city for follow-up on my complaints about garbage not being picked up two weeks ago – only one on the block, Rogers for a falling-down cable outside in the back, and my house insurance company for something else (this one was not a screw-up – I just didn’t understand the info mailed to me).

The other item in the mail is one of the big problems now.

Empire Life Insurance where I have my life insurance – they picked up my policy from a company they absorbed a few years back – are up to their old tricks. In a nutshell, they increase your premiums annually if you are a senior and don’t have any extra saved in your premium fund. So, they send a threatening letter (worded politely) if you don’t send X number of dollars – basically one quarterly premium payment increased – they will cancel your policy.

Is this right? Sounds like they are taking advantage of us seniors.

They have done this before and I have waged war and called them on it. Two years ago, after several angry phone calls to their call centre, I was connected to someone who could do something. We talked and she said that she would arrange it that I would no longer get these letters and that the increase would automatically be applied. She followed up with a letter.

Last year, thats is what happened. This year? Empire Life Insurance is back to their old tricks. I have the threatening letter now, when the fiscal year for the premiums isn’t until August. I have the current May bill to pay (with 30 days grace – I’m waiting for my government pension later this month or the deposit from the new editing client after the Victoria Day weekend when she is back from holidays – then I can pay).

So I am on the warpath again. I will collect all my information from the last time and phone to try to get it straightened out – AGAIN. I am also going to try to sic CARP (I’m a member) on them. Two years ago I tried the Insurance Bureau of Canada complaint department but they weren’t helpful. If this isn’t solved I will have to cancel my policy and have no life insurance unless I can find something else suitable that I can afford (I’ll ask CARP) so my son can pay my funeral costs and debts without using his own funds. Life Insurance is paid out before any will is processed.

Empire Life Insurance will also get bad PR from me.

You know the old saying about life being a bowl of cherries with the pits. I seem to be living it against my will.

Cheers.

Sharon

Only Child Writes

 

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Filed under CARP, Consumer action, Family, finances, Health Seniors, Life Insurance, Only child, Problems, Worrying