Monday, October 27, 2008

Update 10-27-2008

I'll write an update regarding my last two Cohen posts later, but right now I want to talk about insurance companies and my recent experiences with them.

I have applied for Long Term Disability through my group insurance company at work. I received a letter from them today saying they received the application for the claim, and for more information I could either go online or call them.

I decided to go online. I kept getting an error message when I put the address in; that is never a good sign. Turns out they made an error on the letter when it came to the web domain (com vs. net).

Next they asked me to register. I got multiple error messages there, too. What should have taken me about a minute and a half took around five because the website wouldn't recognize personal info I put in. 

Once I registered successfuly and got on to the site, it wouldn't recognize my claim number. Then it said I had no coverage. At that point, I decided to call them rather then waste more of my time fighting their website. 

After going through a typical automated menu, I spoke with a real person (name witheld to protect the guilty). She asked me what I wanted. I said I wanted to follow up on a LTD claim and did she want the claim number. Here is, verbatim, the opening to our conversation:
She: "Are you working?"
Me: "No."
"Are you on disability?"
"Yes, but through the state, not through insurance."
"But are you working?"
"No."
"Are you on disability?" 
"Yes, but through the state. I just applied for a LTD claim through you and I need to know the status."
"Have you applied for a claim?"
"Yes, I just said that."

Pause.

"Are you on disability?"

OH MY FREAKING GOD!!! WHAT IS THE MATTER WITH YOU? ARE YOU LEARNING IMAPARED?!?!

Needless to say the conversation was completely pointless. I hope that not all the people at the insurance company aren't like this idiot. 

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