Dear Revdex.com Rep. [redacted],
Mrs. [redacted] is correct about her husband dying on July
12, 2015, Sunday at 5:25 AM. With that
in mind, we met with the family at 2Pm
Sunday and Mrs. [redacted] expressed her wishes as she described. We embalmed and got Mr. [redacted]’s remains
ready...
for viewing as requested earlier that morning. At the
arrangement conference Mrs. [redacted] expressed that the only funds she had was
the Insurance policy that was issued Jan 2014, which would be within the 2 year
contestable period. Contestable means
that the Insurance Company has to review the claim and no face amount is
guarantee. Our policy as discussed with
Mrs. [redacted] is funds have to be secure. Also as discussed in the past dealing with
[redacted] policy, generally they only return premiums after a long review and there
are no guarantees.
Mrs. [redacted]’s sister, a funeral director in NC, and our
director encourage that she go with cremation and carry the remains to the
final resting place herself to lessen the financial burden. We provided our services and facility to Mrs.
[redacted] at NO CHARGE for a one day family viewing. I’m sorry she fills the way she does with the
decisions she had to make because of her financial situation, we did this to
help her, because we understand the need for comfort and how the viewing assist
in the grieving process. I understand
Mrs. [redacted]’s frustrations but we do not have any control over the Insurance
Company’s decision or her finances.
We did proceed with the cremation services as authorized by
Mrs. [redacted] with only a third of the cost down and payments of $400.00 a month. The down payment was secured by
her son and sister on July 13, the day after the conference with Mrs. [redacted]
and the day after she completed the Insurance Claim/Assignment. There was no intent to keep any overage of
Insurance proceeds, that is illegal! Assignments are always adjusted as the
Insurance claims are processed due to many reasons; donations made by others,
family payments, services changes, and/or other Insurance assignments. Generally, once the claim
adjuster reviews we or the beneficiary is contacted to verify amount of
assignment.
To this day Mrs. [redacted] has not fulfilled her Promissory
Note agreement, of 6 monthly payments of $400 for services that where agreed
and authorized by her on a Sandifer Funeral Home contract, Promissory Note, and
Cremation Authorization. We have fulfilled
all duties and services as agreed upon.
As a member of the Selected Independent Funeral Directors,
we make an oath to serve all families no matter their finances. I feel we gave her all her options and even
worked with her by extending credit with no interest and allowing her a family
viewing at no charge. If she is still having financial issues I would encourage her to call me and I will make it work for her and her family.
I hope this helps you resolve the complaint and I would be
glad to further explain or provide additional information, if needed.
[redacted], VP
Dear Revdex.com Rep. [redacted],
Mrs. [redacted] is correct about her husband dying on July
12, 2015, Sunday at 5:25 AM. With that
in mind, we met with the family at 2Pm
Sunday and Mrs. [redacted] expressed her wishes as she described. We embalmed and got Mr. [redacted]’s remains
ready...
for viewing as requested earlier that morning. At the
arrangement conference Mrs. [redacted] expressed that the only funds she had was
the Insurance policy that was issued Jan 2014, which would be within the 2 year
contestable period. Contestable means
that the Insurance Company has to review the claim and no face amount is
guarantee. Our policy as discussed with
Mrs. [redacted] is funds have to be secure. Also as discussed in the past dealing with
[redacted] policy, generally they only return premiums after a long review and there
are no guarantees.
Mrs. [redacted]’s sister, a funeral director in NC, and our
director encourage that she go with cremation and carry the remains to the
final resting place herself to lessen the financial burden. We provided our services and facility to Mrs.
[redacted] at NO CHARGE for a one day family viewing. I’m sorry she fills the way she does with the
decisions she had to make because of her financial situation, we did this to
help her, because we understand the need for comfort and how the viewing assist
in the grieving process. I understand
Mrs. [redacted]’s frustrations but we do not have any control over the Insurance
Company’s decision or her finances.
We did proceed with the cremation services as authorized by
Mrs. [redacted] with only a third of the cost down and payments of $400.00 a month. The down payment was secured by
her son and sister on July 13, the day after the conference with Mrs. [redacted]
and the day after she completed the Insurance Claim/Assignment. There was no intent to keep any overage of
Insurance proceeds, that is illegal! Assignments are always adjusted as the
Insurance claims are processed due to many reasons; donations made by others,
family payments, services changes, and/or other Insurance assignments. Generally, once the claim
adjuster reviews we or the beneficiary is contacted to verify amount of
assignment.
To this day Mrs. [redacted] has not fulfilled her Promissory
Note agreement, of 6 monthly payments of $400 for services that where agreed
and authorized by her on a Sandifer Funeral Home contract, Promissory Note, and
Cremation Authorization. We have fulfilled
all duties and services as agreed upon.
As a member of the Selected Independent Funeral Directors,
we make an oath to serve all families no matter their finances. I feel we gave her all her options and even
worked with her by extending credit with no interest and allowing her a family
viewing at no charge. If she is still having financial issues I would encourage her to call me and I will make it work for her and her family.
I hope this helps you resolve the complaint and I would be
glad to further explain or provide additional information, if needed.
[redacted], VP