It was one of the last wishes of the 23-year-old Andrew Christiansen’s had. To sweeten life with a livsforsikringssum on 234.000 dollars and make life a little easier for a newborn niece, whose upbringing Janice knew she would not be alive to be a part of.
But it was not to be.
All because of a single letter, as Bolette Christiansen in the last time of his life either not seen or have not received.
Janice Christiansen died of cancer on 6. February 2018. When she was declared terminal, stopped making contributions to her life insurance policy automatically.
It chose her insurance company, PFA, to inform her about via a letter sent to her address – a letter, to which neither Janice nor her parents have ever seen.
“the PFA has not ensured that Andrew has received the letter. I do not think it is in order. They have not had much empathy with a mortally ill cancer patient, who has been focusing on other than his insurance. She was hospitalized much of the time, so the mailbox at the home of her were not emptied so often. We have never seen anything to a letter, and with the postal service, we have, it esmer porno can easily be lost,” says Janice Christiansen’s mother, Connie Christiansen.
When Janice was declared terminal, she went from being on sick leave from his work to be førtidspensionist. Thus stopped her employers ‘ contributions to pension and insurance.
“She was so sick and screamed of pain. No one thought that we should keep an eye on her life insurance. We thought not, she could be thrown off the insurance, when she was terminalerklæret and eaten up by cancer,” says Connie Christiansen to Radio4.
Lisbeth Inns, legal special consultant at the Danish Cancer society, says that there are many other than Connie Christiansen, fighting with the insurance companies. She calls for insurance companies make more effort in the contact with their clients:
“When an insurance company is going to let the life insurance lapse because of inaction, so they must ensure that the message is received and understood, and that he or she understands the consequences of not responding. It is not enough to send a letter. There must be follow up and ensure a concrete manifestation from the person. It is also an ethical question, which is to take care of its policyholders,” says Lisbeth Inns.
IN the PFA believes that the rules are followed.
‘We have followed the general practice of how we, as the insurer agreed to do it, when there no longer will be paid on the scheme. We use ongoing the feedback we get from customers, how we communicate with them, and is there anything they think we can do better, so we take it in our assessments of whether we can do it differently in the future,’ writes PFA Pension in a written response to Radio4.
