Symetra Life Insurance Company

The oney was transferred to my account this morning! Thank you for your help and ha e a nice day! ??????

This letter is in response to the complaint that you received from Mr*** *** regarding hisclaim for Short Term Disability (STD) benefits under the above PlanYour notice of September12, was received in our office on September 12, 2016.Please be advised that we have received a duplicate
complaint from the New HampshireInsurance DepartmentOur response will be sent to the consumer through the New HampshireInsurance Department.In response to your request, we provide you with the following explanation of the circumstanceson this matter:Please be advised that Symetra Life Insurance Company is the claims administrator for theVelcro USA, IncShort Term Disability Plan.On June 29, 2016, we received notice of Mr*** claim for Short Term Disability (STD)benefitsOn June 30, 2016, his STD claim was approved for benefitsHis STD benefitscontinued to be issued during the adjudication of the claimBenefits were issued throughAugust 25, 2016.On September 1, 2016, we advised Mr*** by telephone that updated medical recordswere needed to extend his benefits beyond August 25, At that time, we sent him (byelectronic mail) an Authorization form that was required by the physical therapy facility torelease his progress notes to usHis completed form was received on September 1, andwas forwarded to the physical therapy facility that same day.On September 2, 2016, we received one progress note from the facilityMr*** contactedour office that day to inform us that he had not received his benefit check dated August 23, 2016(representing benefits due for the period of August 21, through August 25, 2016)He wasadvised by our office to allow for an additional time period for the check to be delivered and ifnot received by then, we would process a stop-payment on the check and reissue the payment.On September 6, 2016, Mr*** contacted our office again to advise us that he had still notreceived the August 23, benefit checkOn September 9, 2016, following a stop-paymentthat was placed on the STD benefit check, a replacement check was reissued to Mr***.The additional requested medical records were received in our office on September 9, andSeptember 12, Based on the medical records received, we determined that the medicalevidence supported Mr*** continued period of DisabilityOn September 13, 2016, Mr.*** STD benefits were extended from August 26, through the STD Policy'sMaximum Payment Duration date of September 24, and he was notified by telephone ofthis detemination on his claimMr*** STD benefit payments, retroactive to August 26,2016, are being mailed out to him on September 14, 2016.We trust that this letter and the attached correspondence provide you with a sufficient responseto your inquiry.If you should have any further questions regarding this matter, please feel free to contact ouroffice at 1-877-377-6773, or you may contact me directly at *** * *** ***

We have attached our response to Mr***'s inquiryPlease let me know if you have any questions
Dear Ms***,We are writing in response to your recent inquiry dated June 14,2016, wherein *** *** notified youof his disappointment with the termination of his policyPlease
allow us to provide some backgroundinformation.Level Term Life policy *** was issued on August 5, The premiums are currently billed ona quarterly basis in the amount of$The last premium payment was received on Januaty 25,2016,paying the policy to May 5, The 31-day grace period is detailed in the contract, as follows: "Weallow a 31-day grace period for payment of any premium after the initial premiumIf a premium is notpaid by the end of the grace period, this policy will terminate as of the due date of the unpaid premium."The enclosed Premium Notice was mailed on April 7, 2016, for the payment due on May 5, As thepayment was not received, the enclosed Past Due Premium Reminder was mailed on May I 0, 2016,informing Mr*** that his policy had entered its grace period and all coverage would cease if the totalamount due was not received by June 6, 2016.On June 6, 2016, the enclosed lapse notification letter was mailed with the forms required to apply forreinstatementShould Mr*** choose to proceed, upon receipt of the requirements, our underwriterswill review his application and determine if he qualifies.Ms***, we hope we have fully responded to your inquilyIf you have any questions or requireadditional information, please call me toll-free at 1-800-796-3872, ext***, between the hours of 6:00a.mand 2:30p.mPacific Time, or e-mail me at ***@symetra.comI will be happy to provideadditional assistance.Sincerely,Nick S*Customer Relations ConsultantIndividual Life & Retirement Division OperationsSymetra Life Insurance Company
Thank you,
Nick S***
Operations Comp Spec | ILD-Customer Service
Phone 800.796-| Fax
Symetra