The following news once again explains: important mail must pay attention to check! Otherwise, you may lose hundreds of thousands of dollars.
What's the matter?
An Australian woman, who missed an e-mail, thought as many as two hundred thousand of the death benefit (death benifits), had received only $25!
(Daily Mail): Australian husband died at the age of 39, leaving a pension of $ two hundred thousand. As a result, the widow received only $25.09 from the insurance company!)
In 2008, Australian man Craig died of alcohol abuse at the age of 39, just a year after Craig got married.
Although married for only a year, Craig and his wife, Kim Garbutt, have had two children. Moreover, although Craig had a habit of drinking and drinking, his wife, Garbutt, still spoke well of him. "Craig is super smart," she said. "he's funny. He's always dressed respectfully. Moreover, he never extravagant, does not boast good face, he is a friendly good man. Everyone likes him very much and loves him. "
Garbutt also said that Craig had sought help because of alcohol abuse, but had not stopped drinking.
In addition, before Craig's death, his business went bankrupt, but according to a later investigation by Garbutt, Craig had a death pension premium.
So, after Craig's death, Garbutt roughly calculated that he should receive a death pension of $ two hundred and eight thousand from the insurance company.
Craig's insurance company was the famous AMP..
Sure enough, 13 days after Craig died, Garbutt received a check from AMP. However, as soon as he opened the check, Garbutt was completely stunned: there was only $25.09 on the check!
"when I saw the amount, I was stunned. After that, I spoke to AMP and they said that the account was out of money. "
Garbutt conducted his own survey and found that five months before Craig's death, AMP withdrew her husband's insurance policy because of a $212 overdue payment in his insurance account.
After further investigation, Garbutt found that her husband's insurance account was as follows: in 2003, Craig transferred $1621 from its previous pension account to AMP's pension account. Five weeks later, Craig's pension account had only $1433 left. The vanishing money is: $188 in handling fees and insurance premiums.
After that, Craig no longer paid his pension, but he continued to pay: the death pension premium (death benefit premiums).
Craig paid the premium on a monthly basis for six years, and according to the Garbutt survey, the premium has risen a lot over the past six years, and in one year the rate of increase far outpaced the inflation rate.
Perhaps for this reason, Garbutt felt that as Craig's wife, he should be entitled to a death pension of two hundred thousand.
But why did you get $25 in the end?
First: AMP has been withholding various fees, some of which are listed in detail and some of which are hidden.
Second: a few months before Craig's death, AMP said, they had written to him explicitly informing him that your pension account was running out of money and that if you didn't pay any more, your account would be deleted.
However, according to Garbutt, her husband went bankrupt before his death, owed thirty or four million card debts, not only had no place to live, but also stopped the phone.
More importantly, Craig's pre-death illness was so severe that he couldn't open the e-mail at all.
But AMP said: "We did not receive any notification that Craig was ill, and we contacted him seven months before he died, reminding him that his insurance might not be valid."
From 2008 to 2018, Garbutt has been wrangling with AMP over the money, focusing on the details of Craig pensions and insurance.
Ten years on, Garbutt's appeal now is that even for "humane" reasons, AMP should turn around.
AMP's response, however, is that they have already done what they have to do.
"We do allow customers to restore invalid policies for medical reasons, but we will not allow them to resume policies because customers want to restore them," AMP said.
AMP also said insurance premiums for all customers would rise if policies were to be reinstated at will.
Garbutt said she had been asking AMP to check where her husband's money went, but: "they always refuse because:'we've told him that his policy may have been revoked. I told them, 'Craig is so sick that he can't check the mail.' "
The final result is not known, but it is also a reminder: spam can not be read, but important e-mail must not be missed!