Complaint Review: Liberty National Life Insurance Co.

I have worked for Torchmark (UA and Libnat) in various positions. Most recent, I was an agent employes by a branch in Texas. My BCBS Major Med had been in force since I was a manager with UA. I took a position with LibNat and they carried over my policy with my transfer. Months later, I scheduled a surgery I had been waiting VERY long to have. I notified my BM many times, verbally and in writing that I would be on leave. Two days after I was released from the hospital, I received a letter from LibNat that my MM was cancelled. The company was taking my premiums from my comission checks, however after some cancellations, there was nothing left. TDi advised that they had to give me a months notice, and send me a cetified letter detailing premiums, due dates, etc. Never got that! Once I did get hold of someone, she refused to re-instate my policy even if I paid the premiums. Two weeks later, they terminated my contract.

Although my sugery was approved by BCBS, becuase LibNat backdated and cancelled my policy, now my surgery is not covered. I have left several messages for one of the HR supervisors in Birmingham, and she has yet to return any of my calls. They did'nt bother to call me, my BM, or even send me a certified letter...this goes to show how poorly Liberty treats their employees. I have already contacted TDI, and my attourney. Both of whome state their actions were illegal. The worst thing about this, they ruined my Cobra eligibility. Sad but true. But this is the SAME company that terminated my girlfriend for non-production ( and she did produce, my life policy) while she was 7 mos pregnant...go figure.

Chewed Up and Spit Out NA, Texas
U.S.A.