Welcome, Guest. Please login or register.
August 20, 2019, 08:18:32 am

Login with username, password and session length


Members
Stats
  • Total Posts: 746885
  • Total Topics: 62536
  • Online Today: 301
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 am)
Users Online
Users: 0
Guests: 298
Total: 298

Welcome


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Viaticated in 1996 - New Policy Owners being Agressive.  (Read 830 times)

0 Members and 1 Guest are viewing this topic.

Offline SteveA

  • Member
  • Posts: 179
Viaticated in 1996 - New Policy Owners being Agressive.
« on: February 28, 2019, 04:24:32 am »
Is there anyone else here who Viaticated their insurance back in the 90's still alive besides me and now the people who bought the policies have sold them on to new people who are being more aggressive in their demands for information?

Offline allanq

  • Member
  • Posts: 706
  • still life with pills
Re: Viaticated in 1996 - New Policy Owners being Agressive.
« Reply #1 on: March 03, 2019, 10:53:39 pm »
I did a viatical settlement in 1998. A few years ago, the policy was transferred to a different company. The new company's requests for information haven't changed much from the old company's. A couple of times a year I get a questionnaire about my current address and contact information. Last year, they tried contacting me by mail when I was out of town, and they actually did phone several friends whom I had listed as contacts, presumably to find out if I was still alive.

In what way has your new company has been getting more aggressive in its information requests?

Top (Breakfast): Prezista, Norvir, Isentress, Zoloft (2), Glyburide (2), Aspirin
Bottom right (Dinner): Prezista, Norvir, Isentress
Bottom left (Bedtime): Sustiva, Trazodone (2), Lipitor, Septra (no longer taking this)
Center: Alprazolam (Xanax)
Not shown: various vitamins & supplements

Offline SteveA

  • Member
  • Posts: 179
Re: Viaticated in 1996 - New Policy Owners being Agressive.
« Reply #2 on: March 06, 2019, 03:57:47 am »
Well this year they now have my yearly updates from the insurance company being sent to them first which they forward to me. Now these yearly requests from MetLife require my response within 45 days of the date of the mailing. Well now they're being sent to an address that is not mine. Sitting at their offices, who knows how long and then being sent to me and now they want me to send them back to them instead of Metlife. This just seems intrusive. Also as of this year they are asking for 3 persons they can contact other than myself, which, while understandable. Could have been worded more clearly. I gave them my mother, my GP and my Cardiologists contact information, but it sounds like they want to contact these people "Before" they attempt contacting me, and that just doesn't set well with me. In any case, it just feels shady. Maybe I'm over reacting.

Offline Dfwguy

  • Member
  • Posts: 25
Re: Viaticated in 1996 - New Policy Owners being Agressive.
« Reply #3 on: March 29, 2019, 11:20:25 am »
My husband viaticated his policy in early 1990ís. We have seen his policy sold a dozen times. At one point, the original buyer/broker was shut down by FL state for fraud. We have had the same company now for about 3 years. Yes, we get the qtrly status reports that we respond to.... As an aside, my husband turns 65 this year. The policy was originally for 3 times his annual salary- when he truns 65- policy drops to 2x annual salary.  I am sure current owner of the policy is not pleased.
HIV dx .  08/1985

Offline SteveA

  • Member
  • Posts: 179
Re: Viaticated in 1996 - New Policy Owners being Agressive.
« Reply #4 on: April 03, 2019, 03:23:50 am »
Well I'm sure the policy holders are not happy with me as well as the insurance company that is paying the premiums for what was a term life policy through my union at my old job. They've had to pay the premiums on this policy all this time as well. Guess I should be happy I'm not the one stuck with those payments.

 


Terms of Membership for these forums
 

© 2019 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.