Complaint Review:
MARIE & LEO MACIOLEK & CONSECO SENIOR HEALTH INSURANCE-LONG TERM IN HOME CARE
MARIE & LEO MACIOLEK - CONSECO SENIOR HEALTH INSURANCE - LONG TERM IN HOME CARE CONSECO SENIOR HEALTH INSURANCE, BANKERS LIFE & CASUALTY, CAPITOL AMERICAN LIFE INSURANCE, FRONTIER NATIONAL INSURANCE COMPANY & OHIO NATIONAL INSURANCE COMPANY CONSECO HEALTH INSURANCE IS A RIP OFF COMPANY THEY HAVE NO REGARDS TO PEOPLE'S LIFE THEY PAY NOTHING IN A TIMELY MANNER & THEIR CUSTOMER SERVICE DEPARTMENT WHEN TRYING TO REACH SOMEONE IS HORRIBLE THE Internet, Internet
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MARIE & LEO MACIOLEK & CONSECO SENIOR HEALTH INSURANCE-LONG TERM IN HOME CARE
Internet
United States of America
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1-800-541-2254
Web:
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I began working for Leo & Marie Maciolek on May 15, 2009 and my last day was May 12, 2010. I am an C.N.A. and took care of her husband from the hours of 9am-4pm Mon.-Fri. Marie seemed to think the care Leo was receiving was not good enough she never stated this directly to me but her actions and conversation with other people displayed her feelings.
There are a few things that if had known beforehand I would have never went to work for them. I did not know that this would be seen as a claim after a few months I was thinking they will get this routine of paying us in some organized timely fashion well they never did! Every month we did not know when were going to get paid. It has even gone up to 5 to 6 weeks without being paid.
Also it is at the adjusters discretion if we even receive payment I was not aware of this until much later matter of fact Dec. 2009 this was brought to my attention as I spoke with a Wayne when I called inquiring about when they were going to send me a check. That's not a steady job if someone can determine how many hours they are going to pay you for. If they the adjusters felt that we did not perform an adequate job then we would not be paid thank God I did not encounter this yet but at this present time they still owe me two claims. I have been calling everyday they say one claim is out in the mail and the other they have not started processing it yet.
The customer service was and is always a very long wait and was horrible before you could actually talk to someone about anything you would be transferred at least six times and that has occurred more times than that on many occasions and I would be on the phone from 45 minutes to hour and sometimes longer trying to get my questions answered about my pay.
They are very unorganized and at one time they had my name on the check but the other young ladies pay and vice verse for her they got our checks mixed up. My amount they reported last year to IRS was incorrect as well.
They Conceso conglomerate of companies are a RIPOFF indeed! Also had I known of the numerous complaints over a 1,000 which have been reported about Conseco company and that they have already been sited and fined for serious violations with their long-term care insurance companies and policies in the amount of 42.3 million the settlement which includes 40 states I would have never went to work for them!
I advise and recommend all not to buy the insurance or work for Conseco or any of it subsidiaries. Their payment on claims is ridiculous and as I did get behind in my bills with paying so much in late fee's and not knowing your pay date you can't plan anything nor could my bills no longer be taking out of my checking account.
3 Updates & Rebuttals
TRUTH VENDOR
United States of AmericaSpankie is a wholesale liar
#4REBUTTAL Individual responds
Thu, July 12, 2012
Spankie never met Tony and is giving CONFIDENTIAL medical information about a patient over the internet. Look out for the lawsuit.
Evangelist Spankie
Moline,Illinois,
United States of America
Unmistaken & Not Misguided Employee
#4Author of original report
Thu, July 01, 2010
First of all I have facts now and had I known about Conseco from the start I would have never went to work for them or Marie & Leo Maciolek. I should have known the two young ladies who worked for her before did not receive their pay until after they had quit. Below is a list of problems, settlements and lawsuits with Conseco and companies they have bought and a whole article from the National Association of Insurance Commissioners:
FOR IMMEDIATE RELEASE
KANSAS CITY, Mo. (May 7, 2008) - State insurance
regulators, working together through the National Association of Insurance
Commissioners (NAIC), today announced the details of a regulatory settlement
agreement between 40 jurisdictions and Conseco, Inc., due to a pattern
of consumer harm in the company's long-term care insurance business. This
multi-state investigation has resulted in a $2.3 million fine and $30
million in claims-handling improvements and restitution.
"Consumers need to have confidence in the insurance products they're
buying and in the companies they're doing business with," said Montana
State Auditor John Morrison, who chairs the NAIC Market Regulation and
Consumer Affairs Committee, which oversees multi-state examinations. "As
state insurance regulators, our No. 1 job is to protect consumers by making
sure companies pay claims in a prompt and appropriate manner - and to take
regulatory action when they fail to do so."
The states ofFlorida , Illinois ,
Indiana , Pennsylvania
Texas
and
led the settlement negotiations. According to the terms of the settlement,
Conseco will pay a $2.3 million penalty to be shared by all participating
states; pay at least $4 million in restitution and administrative costs to
harmed policyholders; and invest $26 million in system upgrades and improved
claims administration. Conseco is also obligated to pay an additional $10
million in fines if problems are not corrected.
"Conseco is among the nation's largest long-term care insurers,"
said Pennsylvania Acting Insurance Commissioner Joel Ario, whose department
served as the lead state on the investigation. "It is vital that
long-term care insurers make prompt and appropriate payment of claims to
consumers who are older and whose life and well-being are dependent upon it.
Conseco failed this test."
Specifically,
the on-site examination showed that:
claims were not handled in a timely manner;
properly documented or maintained; and
responses to claimants did not adhere to applicable regulations.
The settlement involves two Conseco subsidiaries - Conseco Senior Health
Insurance Company and Bankers Life and Casualty Insurance Company - and
covers claims filed from Jan. 1, 2005, through April 30, 2007.
Conseco self-reported serious issues in complaint and claims handling, and
blamed the problems on the challenge of integrating various computer systems.
The settlement requires the company to contract with an experienced long-term
care claims administrator to process claims in a timely and appropriate
manner.
According to the terms of the settlement, Conseco Senior Health Insurance
Company, which is not actively writing new policies, will automatically
review 1,112 claims that were initially denied; will provide notices to
another 18,000 policyholders covering 49,000 claims that may have been
partially denied or subsequently denied after initial payment; and will set
up a toll-free call center for all claimants who believe their claim
settlement was not handled properly. The investigation found that the primary
problems in most cases were delays in claim payments, rather than outright
claim denials.
In the case of Bankers Life and Casualty Insurance Company, which is
writing new policies, the investigation uncovered inadequate marketing and
sales compliance issues. The settlement requires Bankers to:
(agent) training program;
complaint thresholds, so that a single complaint can result in
disciplinary action;
experience-period results for all producers; and
and terminate them due to non-compliance with marketing standards.
Going forward, both companies are required to:
procedures to guarantee timely and accurate processing;
completely and in a timely fashion;
complaint database; and
contact for complaints.
State insurance regulators will conduct ongoing monitoring for appropriate
compliance benchmarks for complaint and claims processing; implement
quarterly reporting requirements; and, ultimately, conduct a re-examination
of the companies to ensure that all problems have been corrected.
Conseco has 30 days to mail notices to policyholders on how to seek review
of their claims. These notices will also include a toll-free number for all long-term
care claimants.
To date, jurisdictions that have adopted the settlement agreement include:
Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, District of Columbia,
Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maryland, Massachusetts, Michigan, Missouri, Montana, Nebraska, Nevada, New
Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio,
Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah,
Vermont, Washington, West Virginia and Wyoming.
Click HERE for a copy of the regulatory settlement agreement.
Click HERE for a copy of the market conduct examination report.
About the NAIC
Formed in 1871, the National Association of Insurance Commissioners (NAIC)
District of Columbia and
U.S.
Washington ,
D.C. ; Central Office, Kansas
, Mo. ; and Securities
New York City
is a voluntary organization of the chief insurance regulatory officials of
the 50 states, the
five
territories. The NAIC has three offices: Executive Office,
City
Valuation Office,
The NAIC serves the needs of consumers and the industry, with an overriding
objective of supporting state insurance regulators as they protect consumers
and maintain the financial stability of the insurance marketplace. For more
information, visit www.naic.org.
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Number of Articles Found: 37
Wednesday, Jun 30, 2010
4. Conseco Wants Union's Securities Class Suit Tossed
Conseco Inc. has asked a judge to throw out a union pension fund's proposed securities class action over a restatement of several years' financial results, saying the restatement had barely any effect on the company's stock price.
Wednesday, Oct 07, 2009
A federal court has refused to dismiss most of a putative class action against Conseco Life Insurance Co. alleging the insurer knowingly underfunded life insurance policies and failed to inform policyholders about a calculation error for nearly three years.
Wednesday, Dec 06, 2006
30. Supreme Court Refuses To Hear Conseco Appeal
The U.S. Supreme Court refused Monday to hear the appeal of Conseco Inc. co-founder Stephen Hilbert, who a lower court had ordered to repay more than $80 million in loans.
especially when money is involved. It was very, very embarrassing every month to tell my creditors and the people I pay my bills to I dont know when I am going to get paid. I was never late with my bills and can prove it but when I started working for Conseco and the Macioleks I was late every month. Nobody cared about our bills being late!
I will not write anymore rebuttals and waste my precious time with any of you again and yes my last encounters with Conseco, Marie and Tony were nasty and I am not a shame to admit it. People, no one takes kind to people messing with their money, their families and for me personally besides those two I want play with you messing with me about the God I serve or my dog! I have good jobs now. I love to get up and go to work. I am always on time, I get paid more than Conseco and Marie paid me, I have benefits and my money is in my checking account on time every two weeks! Everyone knows when you love your job you dont mind performing the duties and doing some extra too. Thank you Marie, you call yourself trying to fire me. I really appreciate it and will never ever work where I am not happy Marie and Leo taught me that, if the job does not offer benefits, and I make sure I know my pay dates! I will pray for you all and your families. My God did not let your door close for me Marie without opening up two more and WOW he blessed me big! Thanks again Marie!
TRUTH VENDOR
United States of AmericaMistaken and Misguided
#4UPDATE Employee
Mon, June 28, 2010
First I'd like to start off by saying that I have met with the person who filed the complaint against Marie on 3 separate occasions. She is extremely opinionated and usually does not back up her opinions with anything resembling facts.
Marie Maciolek has been a client of mine for almost 10 years. She goes out of her way to help others and has never been anything but nice to myself and my family.
After numerous conversations with Marie I found out that Spankie was consistently late and would do the bare minimum when it came to her duties as Leo's C.N.A. She was constantly on the computer or phone. Leo wanted nothing to do with her and would fight her constantly. Marie's other workers never had the same type of problems as Spankie.
I have called the insurance company numerous times to check on the status of the claims. On all but two occasions Conseco processed the claims within 7-10 business days. Never did it take 5-6 weeks. They were very cordial and nice when you spoke to them with respect. I never had to wait more than 5 minutes to talk to someone and never had to be transferred to another representative. It is my belief that Spankie was neither respectful or nice when she called the company.
Spankie was made aware that she would be paid directly from the insurance company and that claims usually were paid within 7-10 business days. She was made aware of this before she started to work for Marie.
Never once did an adjuster deny the claim. Adjusters are only there to prevent fraud and Spankie never participated in fraud when it came to filing claims so she had nothing to worry about.
On one occasions Spankie told Marie that she did not receive a check at the same time that a co-worker did. Marie then called me to inform me that she didn't understand why Conseco would pay one worker and not the other when the claims were submitted during the same fax transaction. I called Conseco and spoke with Wayne. He told me that in fact the check had been mailed and had in fact already been cashed. What a surprise that was. I turned around and called Marie so that she could have Spankie make sure that she hadn't already cashed the check. Turns out she had and at no point did she apologize for attacking myself or Conseco.
Conseco no longers sells Long Term Care Insurance and Marie's policy claims are paid thru a trust that was set up by the company.
Spankie needs to get the facts straight and stop complaining that Marie and Conseco are a ripoff.
She has received every dime that she is owed and it is my opinion that she underperformed her daily job duties.
At no time in my dealings with Spankie did she come off as polite or businesslike in her mannerisms or dialogue.
My last encounter with Spankie happened after she stopped working for Marie. She came into my office and started yelling at me about not being paid. She asked when she could expect her checks. I told her that they were in the mail and she should have them within the week. Funny thing is though she had already gotten that information from Conseco. What took her 45 minutes to an hour to find out took me 5 minutes. We called the same number.
On her way out she had nothing but bad names to call Marie and myself. If I was not a gentleman I would repeat them but I cannot in good conscience repeat what she said.
Spankie as a C.N.A. for Marie is in my opinion the real RIPOFF.