Showing posts with label Insurance Claim. Show all posts
Showing posts with label Insurance Claim. Show all posts

Monday, October 09, 2017

$$$ SAGA -- TRIBUTES-TRAGEDY -- RTE 66 CONVOY

CLAIM DENIAL UPDATE

Collecting monies we’re due often seems unduly complicated.  For example,  I sometimes wonder if there’s a legitimate rationale behind some claim rejections, or if a  denial is merely the first step of an automatic process deliberately designed to wear down a claimant’s will.    Often with a denial the claimant is told they may appeal as a next step.  Sometimes even that appeal may be denied and a further appeal may be necessary.    This requires even more action which some claimants may tire of expending their time and effort on, so they just don’t bother following-up.  
    
However, on general principle, I did appeal two denials when I was awarded only a partial amount of a full claim I filed after a first denial earlier this year as described in my June “Gift Card Saga” post.     
UPDATED RECAP GIFT CARD SAGA RESOLUTION

1)  I purchased $200 USPS insurance to cover several gift cards totaling $205; mailed to arrive before Mother’s Day; never delivered, received, or redeemed by anyone.

2)  I filed a claim in mid/late May for $55 – the amount of two businesses that could not or would not void the balances on the unredeemed cards and reissue replacements, unlike the other two businesses I had contacted, so I didn’t file those amounts but did report what I had done.                                                         
3)  June I received a check for only $17.67 USPS claim settlement which I appealed.

4)  July my appeal was denied but was advised I could appeal further up chain of command which I did, asking for either the difference or an explanation of how only the partial amount I was awarded had been determined. 

5)  Oct. I received a check for the balance of my claim $37.33; no explanation.

Note my time and effort required because the full amount of my claim wasn’t honored when first filed.  I might well have not pursued this due to the small amount when my life was so busy years earlier before I retired because.....

-- I successfully had to make multiple phone calls, await call backs over time, obtaining from two businesses transference of the full unused card balances to new accounts; unsuccessfully doing so with other two cards due to their systems. 

--  Meanwhile, also unreimbursed was my time, energy, postage to prepare the claim, copy required documentation.  

--  Indirect costs also were incurred for employee(s) processing the claim whose salaries are paid for from my insurance and postage monies – perhaps this contributes to postage rate increases.   

I wonder what sort of experiences others may have had claiming monies due them that they have been denied?  


TRIBUTES -- TRAGEDY

Fall is trying to make an appearance here in Southern California inland where I live.  What that means is our daytime highs are in the 80’s now.  Some dry winds, referred to as Santa Ana’s,   will be blowing in from the desert east of us.   I’d surely welcome some rain, but perhaps later. 

Lots of tributes in our Los Angeles area news to lives lost, those injured, loved ones sorrow,  stories of ordinary people becoming heroes  by exhibiting extraordinary valor during the Las Vegas atrocity (see previous post.)   So many folks attending the ill-fated Route 91 Harvest Festival were from Southern California.

I’m left to wonder what measures, if any, will be taken by our Congress and this Administration to address the stranglehold commercial gun interests have on our nation?   Action is avoided under the guise of protecting Second Amendment rights as the mindless killing continues in the U.S. – which we experience in greater numbers than in most other nations whose people also value life as well as freedom, but  have addressed the gun issue, unlike the U.S.  
     
Puerto Ricans continue to cope with life threatening situations for so many without power, communications, water and food reportedly due to distribution problems inland on the island.    Our Prez’s visit there recently and his behavior -- tossing token  paper towel rolls  to residents which had a “let them eat cake” quality – said and did little to cause me to think he had the slightest bit of empathy, compassion,  understanding, or caring for these U.S.  citizens dire situation.   Island residents are not eligible to vote there, so I couldn’t help wondering if this had any bearing on what has seemed to be an attitude of not even a modicum of concern for those in need ..... in addition to what some perceive as his disdain for those of some other cultures and people of little means?  


ROUTE 66 CONVOY

Living near U.S. Route 66 which extends from Chicago, Illinois to Los Angeles, California my attention was captured recently when I read a military convoy (MVPA) would be travelling that “Mother Road” -- as author John Steinbeck described this highway in his novel “The Grapes of Wrath” later made into a movie.   

That original Route 66 launched the nation’s first Federal highway system in 1926 by the Bureau of Public Roads.   Researching this Military Vehicle Preservation Association (MVPA) I learned:

"World War II caused a marked decline in civilian and tourist traffic, but it stimulated new business along U.S. 66, when it acted as a military transport corridor moving troops and supplies from one military reservation to another.  Motels saw an increase in occupancy, as families of servicemen stationed at military bases stayed for long stretches.  But more significantly, Route 66 facilitated perhaps the single greatest wartime mobilization, as thousands of job seekers headed to California, Oregon and Washington to work in defense plants.” 

I recall my husband’s sometimes humorous stories about a driving adventure  he and a couple of his buddies made from Ohio to Chicago to head west across the country on Route 66.  Coincidentally, twenty plus years later he and I would move to California to settle just north of that fabled highway (called Foothill Blvd. here) and where I still live.   My husband said when they drove much of the area into Los Angeles,  citrus orchards abounded on both sides of the road – primarily oranges, lemons – long since replaced with housing construction, strip malls, businesses, burgeoning city populations, numerous nearby colleges and universities.

This convoy description reports: 

“Established in 1976, the non-profit MVPA is dedicated to providing an international organization for military vehicle enthusiasts, historians, preservationists and collectors interested in the acquisition, restoration, preservation, safe operation and public education of historic military transport.”   

Among the key points of this 2,300 mile Convoy is this statement: 

“No weapons (real or otherwise) will be allowed on Convoy vehicles.”

The military convoy travelling Route 66 through our city likely will pass through here Friday, October 13 following a “Rest Day” in Barstow, CA east of here Thursday, October 12.  Their next stop Friday is expected to be In Irwindale, CA west of here before continuing Saturday to their final destination in Santa Monica.    Apparently there is no planned stop in my city.    I haven’t even read about or heard any mention of their passing through here, so I’m curious to see what develops.     


Talented jazz musician Nat King Cole accompanies himself on piano as he sings "Route 66"

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Monday, June 19, 2017

RONNI BENNETT ----------- GIFT CARD SAGA

RONNI BENNETT  at    "TIME GOES BY" 

 ......send positive thoughts her way as she undergoes surgery Tuesday June 20th.

We Elderbloggers have benefited from her guidance, encouragement and support as she continues to write about "what it's really like to get old" -- in addition to all the other information she provides.   

THANKS RONNI!     I LOOK FORWARD TO YOUR RETURN TO BLOGGING SOON.

* * * * * * * * * * * *

GIFT CARD SAGA has also been on my mind recently..........

Once upon a time …. this mother decided to surprise her daughter who was busy with working -- making plans to transport home her daughter  following University graduation, plus her  four years of accumulated belongings -- keeping their home in pristine “show” condition for prospective buyers until sold -- just to describe her primary preoccupations.   The home’s kitchen counter had been cleared of the older microwave so that quick clean cooking convenience was gone. 

Who knew how long enduring the home selling process would be necessary.   Wouldn’t being able to use  gift cards to  some favorite eating establishments, or tickets to a movie theater be nice, if you needed to exit the abode to allow  an open house or a showing…..or after unloading the car when home from University?   If I was on the opposite coast where they live, I’d be treating both of my “girls” to ease the stress.    Mother’s Day was approaching, so the gift could be especially timely, or could be saved for the weeks ahead I reasoned.   Once the house was sold there would be more packing, moving to the new residence with no less free time for either gals than before.  
           
So, I purchased gift cards I especially wanted to insert in a morale-boosting humorous greeting card -- commiserating with the harried state of their lives.  I could picture in my mind their laughing faces when the funny card and contents arrived.    Off to the post office – wisely deciding to insure the envelope’s contents – learning the card would arrive Saturday before Mother’s Day.   Perfect!   Won’t they be pleasantly surprised!    Better alert them to be certain to retrieve their mail that day from the curbside mailbox.

The surprise was mine – the suspense, then the disappointment theirs – the card did not arrive Saturday, the following Monday or any day thereafter.  Tracking on the computer reveals the envelope was never scanned after the initial scan at my post office, so showed to be always in transit, but not where.   A couple trips to my post office elicits clerk instructions to “wait a little longer”, after they check their computer verifying what I had told them.

Eventually, I phone a couple of the gift card businesses who report their cards had not been used.  Another check with the post office clerk – to be told I could file an insurance claim no sooner than 21 days after mailing.    So, after that deadline, back to the post office where this time I was told the clerk couldn’t help me when I requested an insurance claim form -- that I had to file a claim on the Internet.

When I’m told I must use the Internet, my hackles are raised as I wonder what the statistics say are the number of people without Internet usage – how do they submit a form ?   (I miss blogger Schmidley Scribblings , retired government statistician, who could shed some educated insight on the viability of this statistical  research)…. but here’s what Pew researchers said in May 2016 – 13% of adults don’t use the Internet.

I said, “What if I don’t have a computer?”  I eventually request to speak to the Supervisor who finally decides to print a copy of the form for me, then admonishes I must submit on the Internet.  I say, “Do you mean in order to submit it, I have to take it somewhere and pay to use their computer?”   She sorta shrugs, after a pause, reluctantly saying, “Bring it in” as she turns away, hurriedly closing the door to the inner sanctum behind her.   I simply wanted to find out what people without Internet connection do.  

Following that encounter, carrying my forms and receipts back and forth to the post office, I discover that my insurance receipt was now missing.   I check the car, areas where I was in the house, for the receipt, to no avail.  I thought, maybe the postal officials will accept all the other documentation I have as adequate.   Much to my surprise and relief, several days later I found the receipt hidden under the edge of my recliner.  

A week or so later, when completing the USPS insurance claim form, I note instructions on the back provide directions for mailing-- fortunate for the population I was concerned about which includes a considerable number of our older population.    I know we’ll all eventually be “connected” but there should be some provision for those who aren’t in the meantime – and having to do so, they  shouldn’t be made to feel “lesser than” for asking.  Also, computers die – power goes out – what then?  

Reminds me -- I love it when I phone my provider’s tech support number and get a recording instructing me to solve my problem on the internet -- “I can’t – I’ve lost the Internet connection!  That’s why I’m calling!!”

My final effort before mailing involves a trip to an office supply store to use their copy machine.  This results in a quite unbelievable complication – even sounds like “the dog ate my homework” excuse.  That disappearing, then reappearing insurance receipt went to extremes this time.  Placing all the paperwork on the top of the copy machine while I select purchase receipts to copy, suddenly the insurance receipt flutters away – downward -- landing on edge -- slipping into a hairline wide separation between the wall and the eight inch high baseboard – lingering briefly with one corner protruding before sliding away into some mysterious dimension before I could retrieve it.  

Two different store clerks came to explore some possible rescue, but  squinty-eye peering into the abyss through that sliver-of-an-opening evidences no sign of the white paper receipt.  Copying the rest of my documents, I am reconciled to sending what I have, in the hopes the postal service authorities will find the data sufficient to refund my gift cards value. 

The good news is I had been able to arrange for the largest card amounts to be reimbursed.   I earlier phoned each of the four businesses to verify a second time the cards had not been redeemed, then requested they be voided and the amount be reissued in some manner so I wouldn’t have to bother with the insurance.   Two businesses,  a restaurant and a coffee house), accommodated my request, but I had them send ecards as replacements.    

The movie theater had no mechanism for handling such a process for the card purchased at my supermarket – though that’s where the others had been bought and activated also.   The other card from a popular universal pizza company has a disclaimer in the small print I was told -- “cards lost, stolen, damaged, destroyed or used without your permission will not be replaced nor their funds".  


So, the latter two smaller amounts, plus my postage are what I will be expecting the USPS to reimburse.   What I have learned will influence the type card purchases I might make in the future – also, whether or not I would want to send any of these cards through the mail which, as I knew  is just like putting cash in the envelope. 

I wonder about others experiences with gift cards, if they ever mail them, and if any delivery, redemption or replacement issues?