Selman & Company

My mother passed away on February 2, 2020. She had a policy with Reliastar Life Insurance Company (Insured ID P000655663). I had the pleasure of speaking with Nalena French on July 6, 2020 and again today to initiate a claim. She was most professional and competent. She explained to my sister and I that she would send us each the claim forms,, to be completed by us, with a death certificate, and returned to her.

She was so helpful in her assistance and guidance. Your choice of Mrs French was a good one.

SELMAN &COMPANY BUILDING AN INSURED ENVIRONMENT' [redacted] March 27, Revdex.com Euclid Avenue, 4th floor Cleveland, Ohio 44115-RE: Policy #: [redacted] Plan of Coverage: [redacted] [redacted] Dear MsM*** We have reviewed the complaint filed by the above referenced complainant regarding the Supplemental Insurance with TRICAREChampvaMrU [redacted] states he called in December, to remove his stepson, Seth C [redacted] from the [redacted] Supplement Health PlanMrU [redacted] is requesting the claims be paid or refund his premiums as his stepson's policy remained activeThe following are our findingsMrU [redacted] called on December 22, to remove to remove his son as a dependentMrU [redacted] spoke with a Selman Customer Service Representative (CSR) and he wanted to drop his stepson Seth from the coverageMrU [redacted] states he was never advised to send in a written requestSelman listened to a record call from telephone number XXX-XXX- [redacted] on December 22, at 11:amThe CSR advised MrU [redacted] a written request would be required to terminate Seth's policy The CSR asked him to type, date and sign the request and to include the poky numberThe CSR advised MrU [redacted] he could mail or fax the requestMrU [redacted] said he would fax the request and the CSR gave him the number [redacted] I could not locate a faxed or mailed requestThe CSR did advise the premium would remain the same and not decreaseThe Selman CR was incorrectThe Selman CSR is no longer with the companyOn October 3, 2016, a letter was mailed to MrU [redacted] advising his dependent's coverage was going to terminate because he had reached the attainment of the maximum child age and to please complete formThe form indicated if the coverage had ended, there was no need to return the formHowever, the letter clearly states that Seth Coale still had coverageMrU [redacted] received a termination letter with an effective date of January 1, MrU [redacted] contacted Selman and mailed a fetter requesting to either refund the premium or process the claims for the last monthsAfter several attempts to reach MrU [redacted] and leaving voice messages, MrU [redacted] has left a message and requested a refund of premiumWe will calculate the difference and a check will be mailed to him with business dayst trust that the information provided is beneficialShould you require additional information or have questions regarding our response, please contact our Customer Service Department at 800-638-2610, Monday thru Friday, 9:am to 7:pm Eastern TimeSincerely, [redacted] Selman & Company Plan Administrator Selman & Company Affinity Insurance Marketing and Administration [redacted]

We have reviewed [redacted] 's complaint We have sent her the following letter and beneficiary form Dear [redacted] , We received a copy of your complaint you mailed to the Revdex.comSelman & Company strives to provide superior, courteous service in a professional mannerWe appreciate you taking the time to share your experience, and we apologize for not delivering the quality service you deserveYour concerns are important to us and we want to assure you that we are in the process of addressing each of them I have attached a beneficiary form so that you may update your designationWhen completing the form, please note that your policy number is [redacted] Please also reference your identification number, which is [redacted] Your completed form must be returned to our office by postal mail I have enclosed a postage paid envelope Upon receipt, I will process your completed form and return a copy to you You and [redacted] are very important to usWe are pleased to be working with you, and we are committed to your satisfactionPlease do not hesitate to contact me at 1-800-735-6262, Monday through Friday, 9:a.mto 5:p.mEastern Time The letter will be send UPS to [redacted] She should have it on Wednesday We trust this response satisfactorily address the issue Should you have any questions regarding this manner, please do not hesitate to contact me Kathy T [redacted] Manager, Call Center Selman & Company Sincerely, Kathy Thoren Manager, Call Center Selman & Company Enclosures: Met Life Beneficiary Form Postage Paid Envelope

Initial Business Response / [redacted] (1000, 9, 2016/01/20) */ Contact Name and Title: [redacted] Contact Phone: [redacted] Contact Email: [redacted] @ [redacted] First of all, we would like to acknowledge that [redacted] is upset and although we had no ill intent he feels that he has received less than satisfactory serviceI also want to be clear that I am speaking on behalf of King Mazda and not directly to his issues with [redacted] I was made aware of his issues after several negative comments were posted on social media and asked that one of our (King Mazda) customer contact personnel reach out to [redacted] to get his account of the situationShe was able to build a rapport with him and informed me of the issues that he stated he had with the car, [redacted] , and our service departmentShe explained to him that I wanted to resolve his concerns and would contact [redacted] on his behalfAfter a few conversations it was my understanding that all concerns were repaired with the exception of his GPS unit which he feels should have more detail (or be updated with better road/highway details)I talked with [redacted] and gave him a couple options to consider on how King Mazda could make it up to himThe first option was to trade him out of his current carThe second was for the two of us to come up with something that King Mazda could do if decided not to trade He decided that he would look at trading his car for a new [redacted] so I invited him and his wife to come in and see meThey came in at the end of November (I believe the 30th) and we talked for some time during which I apologized for his experience and, again, said I wanted to make it up to himUpon selecting and test driving a new vehicle, we presented him with an offer to trade out of his current vehicleThat offer included a promotion that wasn't yet available, a winter tire package and a trade value that exceeded the market value for his carHe and his wife left to consider the offer which they appeared to be happy with in the storeNot sure if it was the following day but within a couple days, [redacted] returned to the store upset saying that the offer we gave him was available to anyone and that there was nothing special about what he was receivingI tried to discuss it with him but he was upset and walked away from me without any interest in listening [redacted] Our [redacted] offered to go to his house in an attempt to make peace and to discuss the offer with him without any successI truly understand that he wasn't satisfied with the offer and doesn't believe that he received anything special but I can assure you that he was presented a great deal with no other intention than to make up for his experience with both us and [redacted] As for resolving his concerns, one of our technicians can road test his vehicle and determine if it is operating as intendedIt would, however, be irresponsible for obvious reasons to say that his car will never have issues in the futureI will also offer to repair his trunk handle if possibleI am not aware of the specific problem with it but we will gladly take a look at itUnfortunately, I cannot resolve his concerns with [redacted] other than I would be happy to speak to them on his behalf Initial Consumer Rebuttal / [redacted] (3000, 11, 2016/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) It is important to me that I clarify a few pointsThe dealership promised me the opportunity to respond to a customer service questionnaire which I never receivedThe dealership promised me that they had worked with [redacted] to make me a "special" offer on the trade in they had proposedAs near as I could determine, there was no part of the offer that was "special"The dollar offer on my car was what I would have expected on a trade in and there was no reduction in the price of the ***As Apparently the "special" part of the offer was winter tires (ON RIMS) and an ***My brother in law had purchased a [redacted] a short time before and received the tire package and the [redacted] was an incentive on the King Mazda website [redacted] is absolutely correct that when I returned to the dealership I expressed my displeasure and left without listening to anything he had to sayWithin a few hours the [redacted] showed up at my doorHe did seem to honestly want to resolve the issueFrankly I was on board with everything he said until he told me that considering how upset I seemed to be he would sweeten the deal with RIMs for the winter tiresI do not feel comfortable going to the dealership, but must till my warranty runs outClearly there is nothing the dealership feels they can do for meAt this point I will be satisfied with receiving a customer service questionnaire that I can fill out and return

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below A check was received for the full amount of the overpayment However, I also received the attached termination letter retroactively effective on Sep for non-payment of premium even though premiums have been paid continuously throughout the policy to the current date If required, I can present bank statements reflecting these payments I am concerned that by receiving a refund for the amount I was overcharged, I will be punished financially by Selman using a different avenue which will have a much greater financial impact to me than $ Regards, [redacted]

We have reviewed [redacted] 's complaint.? We have sent her the following letter and beneficiary form Dear [redacted] , ? We received a copy of your complaint you mailed to the Revdex.comSelman & Company strives to provide superior, courteous service in a professional mannerWe appreciate you taking the time to share your experience, and we apologize for not delivering the quality service you deserveYour concerns are important to us and we want to assure you that we are in the process of addressing each of them ? I have attached a beneficiary form so that you may update your designationWhen completing the form, please note that your policy number is [redacted] Please also reference your identification number, which is [redacted] Your completed form must be returned to our office by postal mail.? I have enclosed a postage paid envelope.? Upon receipt, I will process your completed form and return a copy to you ? You and [redacted] are very important to usWe are pleased to be working with you, and we are committed to your satisfactionPlease do not hesitate to contact me at 1-800-735-6262, Monday through Friday, 9:a.mto 5:p.mEastern Time ? The letter will be send? UPS to [redacted] ? She should have it on Wednesday ? We trust this response satisfactorily address the issue.? Should you have any questions regarding this manner, please do not hesitate to contact me.? ? Kathy T [redacted] Manager, Call Center ? Selman & Company ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Sincerely, ? Kathy Thoren Manager, Call Center Selman & Company ? Enclosures: Met Life Beneficiary Form ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Postage Paid Envelope

December 1, [redacted] ***Trade AssistantRevdex.com, IncEuclid Avenue, 4th Floor Cleveland, Ohio 44115-2404RE: Policy #: [redacted] Plan of Coverage: Term Life Insurance Insurance Carrier: Transamerica Life Insurance Sponsoring Organization/Account: Police & Fire Primary Insured: [redacted] Insured ID #: [redacted] ID # [redacted] ***, We have reviewed the complaint filed by [redacted] regarding the Term Life Insurance coverage [redacted] states she her quarterly premium increased and she is requesting a refundBased on the administrative records, the following are our findings [redacted] signed up for a Term Life policy The monthly group rates are based on each’s person gender, smoking status and age at the time of issuance Rates increase as the member enters each five-year age band A chart was provided to [redacted] on the Term Life brochure and also on the Schedule of Benefits [redacted] was sent on September 1, her rate was based on her age of [redacted] turned age in September, Her rates should have increased to because she entered the next five-year age band(45-49) However, her premiums did not increase and she continued to pay the lower premium In September 2015, the rate increased to the correct rate We sincerely apologize for this error and want to assure you that we will not be collecting any back premium[redacted] ’s policy has been terminated effective October 1, A refund check will be mailed to her within days Selman & Company strives to provide superior, courteous service in a professional mannerWe apologize for not delivering the quality service you deserveWe want to assure you that we are in the process of addressing each of them.I trust that the information provided is beneficial and will allow us to closes our file with this matterShould you require additional information or have questions regarding our response, please contact me Monday thru Friday, 9:am to 7:pm Eastern Time at 1-800- [redacted] ***Sincerely, Kathy T*** Manager, Customer ServicesSelman & Company

SELMAN &COMPANY BUILDING AN INSURED ENVIRONMENT' *** *** *** *** ** *** March 27, 2017 Revdex.com Euclid Avenue, 4th floor Cleveland, Ohio 44115-2404 RE: Policy #: *** Plan of Coverage: *** ***
*** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** ** ** *** Dear MsM*** We have reviewed the complaint filed by the above referenced complainant regarding the Supplemental Insurance with TRICAREChampvaMrU*** states he called in December, to remove his stepson, Seth C*** from the *** Supplement Health PlanMrU*** is requesting the claims be paid or refund his premiums as his stepson's policy remained activeThe following are our findings. MrU*** called on December 22, to remove to remove his son as a dependentMrU*** spoke with a Selman Customer Service Representative (CSR) and he wanted to drop his stepson Seth from the coverageMrU*** states he was never advised to send in a written requestSelman listened to a record call from telephone number XXX-XXX-*** on December 22, at 11:amThe CSR advised MrU*** a written request would be required to terminate Seth's policy The CSR asked him to type, date and sign the request and to include the poky numberThe CSR advised MrU*** he could mail or fax the requestMrU*** said he would fax the request and the CSR gave him the number*** I could not locate a faxed or mailed requestThe CSR did advise the premium would remain the same and not decreaseThe Selman CR was incorrectThe Selman CSR is no longer with the company. On October 3, 2016, a letter was mailed to MrU*** advising his dependent's coverage was going to terminate because he had reached the attainment of the maximum child age and to please complete formThe form indicated if the coverage had ended, there was no need to return the formHowever, the letter clearly states that Seth Coale still had coverage. MrU*** received a termination letter with an effective date of January 1, MrU*** contacted Selman and mailed a fetter requesting to either refund the premium or process the claims for the last months. After several attempts to reach MrU*** and leaving voice messages, MrU*** has left a message and requested a refund of premiumWe will calculate the difference and a check will be mailed to him with business days. t trust that the information provided is beneficialShould you require additional information or have questions regarding our response, please contact our Customer Service Department at 800-638-2610, Monday thru Friday, 9:am to 7:pm Eastern Time. Sincerely, *** *** *** *** *** Selman & Company Plan Administrator Selman & Company Affinity Insurance Marketing and Administration *** *** *** ***

We have been in contact with MrU***We responded to him on Friday 3/31/and advised a refund check was being processed
A check for the premium in the amount of $was sent UPS overnight to MrU*** on 4/4/2017. He should have the check in the afternoon
This should close the issue
Kathy T***
Selman & Company

Hello,
Thank you for the opportunity to respond to *** ***'s complaint As we review her comments we see main issues:- concern about the quality/ safety of her tires- disappointment that she did not hear from our General Manager- unfinished repair to existing damage on her vehicle at the time of purchaseRegarding the 1st point it is unusual that anyone would experience multiple flat tireswithin monthbut...it is not unheard of One only needs to "Google Search" the issue to read about many folks who have experienced the same bad luck Following her 2nd flat tire, *** brought her car to our dealership for the repair As she stated, a sharp edged rock was found to be the cause This rock...or a pot hole...or a nail...or many other similar Road Hazards are threats to tires that are covered by the Road Hazard Coverage that is integral to Mazda Canada's Warranty on ***'s car As noted by ***, her car was previously used as a demo and had accumulated approximately 9300kms when she purchased it. There were no problems with the tires during the demo use period. Additionallywe are not aware of any known issues with the brand of tire on her carso we concluded thatthe appropriate action was to employ the Road Hazard Coverage Ultimately we have have exceeded Mazda's Warranty coverage by loaning her a car while her's was under going repairs and finally exchanging the tires on her car with another vehicle in our inventory.The second point we note is ***'s disappointment that she did not hear from the General Manager Our GM has a very heavy and diverse schedule and list of duties and accordingly needs to delegate many things to his department managers in order to best serve our customers *** can be assured that the response she has received from any Department Manager has input from...and the approval of or GM, ***.The 3rd point we note in ***'s comments is her dissatisfaction with the unfinished repairs to the existing damage on her vehicle at the time of purchase We understand her frustration with this and we are making every effort to increase the priority of the repairs to her car within the already back logged schedule of our Body Shop partner, *** ***.Please let me know if you have any questions
*** ***
Business Development Specialist
Main:(506) 634-ext
Cell: (506) 333-
Fax: (506) 634-
E-mail:***

Initial Business Response /* (1000, 9, 2016/01/20) */
Contact Name and Title: ***
Contact Phone: ***
Contact Email: ***@***
First of all, we would like to acknowledge that *** is upset and although we had no ill intent he feels that he has
received less than satisfactory serviceI also want to be clear that I am speaking on behalf of King Mazda and not directly to his issues with ***
I was made aware of his issues after several negative comments were posted on social media and asked that one of our (King Mazda) customer contact personnel reach out to *** to get his account of the situationShe was able to build a rapport with him and informed me of the issues that he stated he had with the car, ***, and our service departmentShe explained to him that I wanted to resolve his concerns and would contact *** on his behalfAfter a few conversations it was my understanding that all concerns were repaired with the exception of his GPS unit which he feels should have more detail (or be updated with better road/highway details)I talked with *** and gave him a couple options to consider on how King Mazda could make it up to himThe first option was to trade him out of his current carThe second was for the two of us to come up with something that King Mazda could do if decided not to trade
He decided that he would look at trading his car for a new *** so I invited him and his wife to come in and see meThey came in at the end of November (I believe the 30th) and we talked for some time during which I apologized for his experience and, again, said I wanted to make it up to himUpon selecting and test driving a new vehicle, we presented him with an offer to trade out of his current vehicleThat offer included a promotion that wasn't yet available, a winter tire package and a trade value that exceeded the market value for his carHe and his wife left to consider the offer which they appeared to be happy with in the storeNot sure if it was the following day but within a couple days, *** returned to the store upset saying that the offer we gave him was available to anyone and that there was nothing special about what he was receivingI tried to discuss it with him but he was upset and walked away from me without any interest in listening*** Our *** offered to go to his house in an attempt to make peace and to discuss the offer with him without any successI truly understand that he wasn't satisfied with the offer and doesn't believe that he received anything special but I can assure you that he was presented a great deal with no other intention than to make up for his experience with both us and ***
As for resolving his concerns, one of our technicians can road test his vehicle and determine if it is operating as intendedIt would, however, be irresponsible for obvious reasons to say that his car will never have issues in the futureI will also offer to repair his trunk handle if possibleI am not aware of the specific problem with it but we will gladly take a look at itUnfortunately, I cannot resolve his concerns with *** other than I would be happy to speak to them on his behalf
Initial Consumer Rebuttal /* (3000, 11, 2016/01/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is important to me that I clarify a few pointsThe dealership promised me the opportunity to respond to a customer service questionnaire which I never receivedThe dealership promised me that they had worked with *** to make me a "special" offer on the trade in they had proposedAs near as I could determine, there was no part of the offer that was "special"The dollar offer on my car was what I would have expected on a trade in and there was no reduction in the price of the ***As Apparently the "special" part of the offer was winter tires (ON RIMS) and an ***My brother in law had purchased a *** a short time before and received the tire package and the *** was an incentive on the King Mazda website
*** is absolutely correct that when I returned to the dealership I expressed my displeasure and left without listening to anything he had to sayWithin a few hours the *** showed up at my doorHe did seem to honestly want to resolve the issueFrankly I was on board with everything he said until he told me that considering how upset I seemed to be he would sweeten the deal with RIMs for the winter tiresI do not feel comfortable going to the dealership, but must till my warranty runs outClearly there is nothing the dealership feels they can do for meAt this point I will be satisfied with receiving a customer service questionnaire that I can fill out and return

The policy *** *** *** *** *** *** ***. His effective date is 8/1/2016.
The pre-existing condition limitation is defined in the certificate of coverage. See below. Based on the language the covered person must satisfy the month pre-existing
period.
PRE-EXISTING CONDITION LIMITATION
Pre-Existing Condition Defined:
Pre-Existing Condition, as used in this limitation, means any Injury or Sickness, diagnosed or undiagnosed, for
which Medical Care is received by a Covered Person:
(a) within the month period prior to the Covered Person’s effective date of insurance; or
(b) with respect to the limitation for increase in coverage, within the month period prior to the effective date
of the Covered Person’s increase in coverage
For the purposes of this limitation, we will consider:
(a) Medical Care received when:
(1) a Physician is consulted or medical advice is given; or
(2) Treatment is recommended or prescribed by, or received from, a Physician;
(b) Treatment to include, but not limited to, any:
(1) medical examination, test, attendance, or observation;
(2) medical services, supplies, or equipment, including their prescription or use; or
(3) prescribed drugs or medicines, including their prescription or use
All manifestations, symptoms, or findings which result:
(a) from the same or related accident or Sickness; or
(b) from any aggravations of accident or Sickness;
are considered to be the same accident or Sickness for the purposes of determining a Pre-Existing Condition
Conditions Prior to Effective Date: During the first months of a Covered Person’s insurance, losses incurred
for Pre-Existing Conditions are not coveredThis will not apply to loss that the Covered Person incurs after being free of Medical Care
When the claim service date is within months of the supplement effective date the claims examiner must determine whether the condition is new or pre-existing. The determination is made by requesting claim forms from the member (giving us permission to request and obtain medical records) and then by reviewing the medical records submitted to us by the physician
Letters have been mailed to *** *** asking him names and address of all doctors he consulted and/or military facility he utilized regardless of the diagnosis during the period of 2/1/thru 8/1/2016. *** *** has also spoken to a supervisor at Selman & Company who has reviewed the Pre-existing clause. On March 23, the Selman Supervisor mailed him a Authorization for Release of information of Protected Health InformationSelman has not received the signed documentOn March 27, the Selman supervisor explain that this form was need to be completed before claims can be processed. Another copy was emailed to *** *** on3/27/The Selman supervisor explained the plimitation
I trust that the information provided is beneficialShould you require additional information or have questions regarding our response, please contact our Customer Service Department at 800-638-2610, Monday thru Friday, 9:am to 7:pm Eastern Time.

We have reviewed *** ***'s complaint.? We have sent her the following letter and beneficiary form
Dear ***,
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We received a copy of your complaint you mailed to the Revdex.comSelman & Company strives to provide superior, courteous service in a professional
mannerWe appreciate you taking the time to share your experience, and we apologize for not delivering the quality service you deserveYour concerns are important to us and we want to assure you that we are in the process of addressing each of them
?
I have attached a beneficiary form so that you may update your designationWhen completing the form, please note that your policy number is ***Please also reference your identification number, which is *** Your completed form must be returned to our office by postal mail.? I have enclosed a postage paid envelope.? Upon receipt, I will process your completed form and return a copy to you
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You and *** *** *** *** are very important to usWe are pleased to be working with you, and we are committed to your satisfactionPlease do not hesitate to contact me at 1-800-735-6262, Monday through Friday, 9:a.mto 5:p.mEastern Time
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The letter will be send? UPS to *** ***? She should have it on Wednesday
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We trust this response satisfactorily address the issue.? Should you have any questions regarding this manner, please do not hesitate to contact me.?
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Kathy T***
Manager, Call Center
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Selman & Company
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Sincerely,
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Kathy Thoren
Manager, Call Center
Selman & Company
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Enclosures: Met Life Beneficiary Form
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? ? December 1, 2015*** ***Trade AssistantRevdex.com, IncEuclid Avenue, 4th Floor Cleveland, Ohio ? 44115-2404RE: ? Policy #: ***? ? ? ? Plan of Coverage: Term Life Insurance? ? ? ? Insurance Carrier:
? Transamerica Life Insurance? ? ? ? ? Sponsoring Organization/Account: Police & Fire? ? ? ? ? Primary Insured: *** ***? ? ? ? Insured ID #: ***? ? ? ? ID # *** *** ***,? We have reviewed the complaint filed by *** *** regarding the Term Life Insurance coverage? *** *** states she her quarterly premium increased and she is requesting a refundBased on the administrative records, the following are our findings.? *** *** signed up for a Term Life policy? The monthly group rates are based on each’s person gender, smoking status and age at the time of issuance? Rates increase as the member enters each five-year age band? A chart was provided to *** *** on the Term Life brochure and also on the Schedule of Benefits *** *** was sent on September 1, ? her rate was based on her age of 44.? *** *** turned age in September, ? Her rates should have increased to because she entered the next five-year age band(45-49) ? However, her premiums did not increase and she continued to pay the lower premium? In September 2015, the rate increased to the correct rate? We sincerely apologize for this error and want to assure you that we will not be collecting any back premium.*** ***’s policy has been terminated effective October 1, ? A refund check will be mailed to her within days? ? Selman & Company strives to provide superior, courteous service in a professional mannerWe apologize for not delivering the quality service you deserveWe want to assure you that we are in the process of addressing each of them.I trust that the information provided is beneficial and will allow us to closes our file with this matterShould you require additional information or have questions regarding our response, please contact me Monday thru Friday, 9:am to 7:pm Eastern Time at 1-800-*** *** ***.? Sincerely,? Kathy T***? Manager, Customer ServicesSelman & Company?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below
A check was received for the full amount of the overpayment? However, I also received the attached termination letter retroactively effective on Sep for non-payment of premium even though premiums have been paid continuously throughout the policy to the current date? If required, I can present bank statements reflecting these payments? I am concerned that by receiving a refund for the amount I was overcharged, I will be punished financially by Selman using a different avenue which will have a much greater financial impact to me than $?
Regards,
*** ***
?

Good afternoon,I recently filed a complaint with the Revdex.com regarding King Mazda, located in Saint John, New Brunswick.Since my complaint, King Mazda has reached out to me and presented me with an offer to resolve the situation. I am satisfied with the offer they presented me with, which is providing...

me with brand new tires to replace the ones I was having issues with.I am, however, still concerned. When presenting me with the offer, [redacted], New Sales Manager, told me he was taking my new tires directly off a brand new [redacted] I was fine with this, however, found it odd that they weren’t simply ordering me new tires. In the next breath, [redacted] told me he would be putting my old tires (the ones I have been having issues with), on this brand new vehicle. 1 of my “old” tires had been replaced, so one of the 3 were actually brand new. One of the other tires that went flat on me was only patched. The remaining two tires did not go flat on me, but [redacted] himself admitted to me they were “worn”.So, yes, I am satisfied that my complaint has been rectified. I am, however, concerned for whoever purchase this brand new [redacted] with my old tires on it. I do not feel this is professional, or ethical for that matter, as the tires (with exception of the one new tire) have 14,000 kilometers on them, not to mention the one patched tire.This obviously leads me to wonder where the tires came from that were on my [redacted] when I purchased it.I still have not had my bumper repaired, nor has anyone reached out to me to book my appointment. I have been told they are booked up about 6 weeks in advance, which is fine, but I’d like to have an appointment so I know when it will be fixed.I will be contacting Mazda again to inquire about this booking, if I have not heard from them by the end of the week.Thank you for your assistance in this matter.[redacted]

SELMAN &COMPANY BUILDING AN INSURED ENVIRONMENT'  [redacted] March 27, 2017  Revdex.com 2800 Euclid Avenue, 4th floor Cleveland, Ohio 44115-2404 RE: Policy #: [redacted] Plan of Coverage: [redacted]...

[redacted] Dear Ms. M[redacted] We have reviewed the complaint filed by the above referenced complainant regarding the Supplemental Insurance with TRICAREChampva. Mr. U[redacted] states he called in December, 2014 to remove his stepson, Seth C[redacted] from the [redacted] Supplement Health Plan. Mr. U[redacted] is requesting the claims be paid or refund his premiums as his stepson's policy remained active. The following are our findings. Mr. U[redacted] called on December 22, 2014 to remove to remove his son as a dependent. Mr. U[redacted] spoke with a Selman Customer Service Representative (CSR) and he wanted to drop his stepson Seth from the coverage. Mr. U[redacted] states he was never advised to send in a written request. Selman listened to a record call from telephone number XXX-XXX-[redacted] on December 22, 2104 at 11:09 am. The CSR advised Mr. U[redacted] a written request would be required to terminate Seth's policy The CSR asked him to type, date and sign the request and to include the poky number. The CSR advised Mr. U[redacted] he could mail or fax the request. Mr. U[redacted] said he would fax the request and the CSR gave him the number. [redacted] I could not locate a faxed or mailed request. The CSR did advise the premium would remain the same and not decrease. The Selman CR was incorrect. The Selman CSR is no longer with the company. On October 3, 2016, a letter was mailed to Mr. U[redacted] advising his dependent's coverage was going to terminate because he had reached the attainment of the maximum child age and to please complete form. The form indicated if the coverage had ended, there was no need to return the form. However, the letter clearly states that Seth Coale still had coverage. Mr. U[redacted] received a termination letter with an effective date of January 1, 2017. Mr. U[redacted] contacted Selman and mailed a fetter requesting to either refund the premium or process the claims for the last 15 months. After several attempts to reach Mr. U[redacted] and leaving voice messages, Mr. U[redacted] has left a message and requested a refund of premium. We will calculate the difference and a check will be mailed to him with 7 business days. t trust that the information provided is beneficial. Should you require additional information or have questions regarding our response, please contact our Customer Service Department at 800-638-2610, Monday thru Friday, 9:00 am to 7:00 pm Eastern Time. Sincerely, [redacted] Selman & Company Plan Administrator Selman & Company Affinity Insurance Marketing and Administration [redacted]

We have been in contact with Mr. U[redacted]. We responded to him on Friday 3/31/2017 and advised a refund check was being processed.
A check for the premium in the amount of $1104.00 was sent UPS overnight to Mr. U[redacted] on 4/4/2017.  He should have the check in the afternoon.
This should close the issue.
Kathy T[redacted]
Selman & Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
A check was received for the full amount of the overpayment.  However, I also received the attached termination letter retroactively effective on 1 Sep 16 for non-payment of premium even though premiums have been paid continuously throughout the policy to the current date.  If required, I can present bank statements reflecting these payments.  I am concerned that by receiving a refund for the amount I was overcharged, I will be punished financially by Selman using a different avenue which will have a much greater financial impact to me than $1104.  
Regards,
[redacted]

The policy [redacted].  His effective date is 8/1/2016. 
The pre-existing condition limitation is defined in the certificate of coverage.  See below.  Based on the language the covered person must satisfy the 6 month pre-existing...

period. 
 
PRE-EXISTING CONDITION LIMITATION
Pre-Existing Condition Defined:
Pre-Existing Condition, as used in this limitation, means any Injury or Sickness, diagnosed or undiagnosed, for
which Medical Care is received by a Covered Person:
(a) within the 6 month period prior to the Covered Person’s effective date of insurance; or
(b) with respect to the limitation for increase in coverage, within the 6 month period prior to the effective date
of the Covered Person’s increase in coverage.
For the purposes of this limitation, we will consider:
(a) Medical Care received when:
(1) a Physician is consulted or medical advice is given; or
(2) Treatment is recommended or prescribed by, or received from, a Physician;
(b) Treatment to include, but not limited to, any:
(1) medical examination, test, attendance, or observation;
(2) medical services, supplies, or equipment, including their prescription or use; or
(3) prescribed drugs or medicines, including their prescription or use.
All manifestations, symptoms, or findings which result:
(a) from the same or related accident or Sickness; or
(b) from any aggravations of accident or Sickness;
are considered to be the same accident or Sickness for the purposes of determining a Pre-Existing Condition.
Conditions Prior to Effective Date: During the first 6 months of a Covered Person’s insurance, losses incurred
for Pre-Existing Conditions are not covered. This will not apply to loss that the Covered Person incurs after being free of Medical Care
 
When the claim service date is within 6 months of the supplement effective date the claims examiner must determine whether the condition is new or pre-existing.  The determination is made by requesting claim forms from the member (giving us permission to request and obtain medical records) and then by reviewing the medical records submitted to us by the physician.
 
Letters have been mailed to [redacted] asking him names and address of all doctors he consulted and/or military facility he utilized regardless of the diagnosis during the period of 2/1/2016 thru 8/1/2016.  [redacted] has also spoken to a supervisor at Selman & Company who has reviewed the Pre-existing clause.  On March 23, 2017 the Selman Supervisor mailed him a Authorization for Release of information of Protected Health Information. Selman has not received the signed document. On March 27, 2017 the Selman supervisor explain that this form was need to be completed before claims can be processed.  Another copy was emailed to [redacted] on3/27/2017. The Selman supervisor explained the pre-ex limitation.
 
I trust that the information provided is beneficial. Should you require additional information or have questions regarding our response, please contact our Customer Service Department at 800-638-2610, Monday thru Friday, 9:00 am to 7:00 pm Eastern Time.