FOR ALMOST 8YRS I HAVE BEEN TRYING TOO GET LONG-TERM DISABILLTY FROM THIS COMPANY.THEY HAVE CHANGE THE POLICY AT THE TIME DISANTOS-TECHNOLOGY IN STAMFORD CONNECTICUT WAS MY EMPLOYER.THEY DIDN'T OFFER SHORT-TERM DISABILLITY SO THEY PUT ME ON A UNPAIDED LEAVE CALL FMLA FOR 5YRS I DIDN'T GET ANY MONEY I COULD DRAW UNEMPLOYMENT WORKMANS COMP OR ANYTHING .I ENDED UP LOSSEING MY WIFE AND KIDS HAD TOO MOVE BACK TOO NORTH-CAROLINA TOO LIVE WITH MY MOTHER.WELL THEY TOOK THE MONEY OUT OF MY CHECK FOR THESE KIND OF THINGS.ONCE I WAS APPROVED FOR DISABILLITY IN NORTH-CAROLINA THEY SAID SEEN US A COPY OF THE APPROVAL AND THEN I COULD GET IT'THEN THEY REVISED THE INSURACE POLICY TOO SAY THAT MY CONDITION WAS PRE-EXSISTING WHICH IS A BUNCH OF CRAP THEY JUST DON'T WON'T TOO PAY ME WHAT THEY OWE ME.THEY WROTE ME A LETTER THAT SAID EVEN THOUGH OUR DATES DON'T JUSTIFY THAT IT WAS PRE-EXSISTING THAT ANY PRUNDENT PERSON WOULD HAVE GOT MEDICAL ATTENTION.WHAT THE HECK THEY THINK I WAS DOING MY DOCTOR PUT ME OUT OF WORK I WAS GOING TOO THE DOCTOR EVERY 2 WEEKS.THIS MONEY IS OWED TOO ME I WON'T STOP UNTIL I GET IT.I TRIED TOO GET A LAWYER HE SIAD I STILL HAD TIME BUT HE WOULD NEED TOO SEE THE MEDICAL RECORDS.WELL 800.00 A MONTH WON'T HELP ME GET A LAWYER BUT I WILL DO EVERYTHING TOO GET WHAT BELONGS TOO ME.IAM REALLY STRUGGLING ALONG WITH LOSSING MY FAMILY I HAD TOO MOVE BACK WITH MY PARENTS AND THATS A REAL KICK IN THE BUTT'I WISH SOMEONE WOULD REALLY READ THIS A HELP ME WITH THIS PROBLEM IT'S NOT FAIR BECAUSE I'AM SICK TOO BE TREATED LIKE TRASH.I PAID MY PREMIUM EVERY WEEK WHEN IT CAME TIME FOR THEM TOO PAY THEY DENIED ME AND CHANGE THE POLOCY SO THEY WOULD HAVE TOO PAY, HELP ME PLEASE SOMEONE I NEED THIS MONEY

Lincoln Benefit Life
2940 South 84th Street
Lincoln, Nebraska 68501-0469
www.accessallstate.com

I signed up for a term life policy 4 years ago that was supposed to be switched to a "whole life" policy after the first year. The way it was explained to me (because I didn't even want to sign up for the term because it was too expensive - $1200) was that after the first year I could switch to the whole life policy which cost $5000 and get a credit for the $1200 for the first year which is what I did. The insurance broker faxed me over the pages on a rush basis after the first year to switch the policy and I faxed them back to her the same day. What I believe was the terms and conditions page had been recopied so many times that you can't even read it. A few weeks later the policy book was delivered to me by the agent. The way she had described the policy was that my money would only grow so according to what she told me I should have $15000 plus interest. What I have now is nothing. I in theory have $12000 because they deduct "costs" and "expenses" - none of which she told me when she was selling me the policy. She told me the reason is because when she was explaining the policy to me her laptop computer wouldn't allow her to show me the costs and expenses. Another feature she failed to tell me about is that I have to be in the policy for 20 years! If I pull out in advance I forfeit $14300. When I received my last statement I didn't understand the costs and expenses and called up Lincoln Benefit to find out what was going on and I found out then for the first time that Lincoln Benefit (my insurance company) no longer sells whole life policies and I had been signed up for an "adjustable flexible" policy. I explained that I had never even heard my insurance broker utter those words and that she had only referred to the policy as a whole life policy. My agent had never told me about costs and expenses and never explained the $14300 default fee if I pulled out before 20 years. She did a bait and switch on me. Lincon's complaint department did an investigation and have said everything is on the up and up and I have no recourse. I was totally lied to and relied on everything she told me about this policy. I was never informed AT ALL about the $14,300 default fee or about the costs and expenses - she simply described my money growing each and every year so by now I would have the $150000 I've put in plus around 5% interest. Lincoln agreed to give me back $5000 if I terminated my policy. However, they kept my remaining $10,000. DON'T DO BUSINESS WITH THIS COMPANY IF YOU WISH TO KEEP YOUR MONEY - THEY ARE THIEVES AND LIARS. I've tried everything I can do to get my money back but it appears I would have to sue them and I just don't know what my chances would be. I work with a law firm and even the lawyers here told me they're unable to understand my policy in full. I depended on Lincoln to explain to me what I was buying and by leaving out vital details I was in fact lied to. A partner at my firm (a very intelligent attorney) told me that even he had been the victim of a similar policy so it can't be just me. I honestly don't know how they can get away with this but it appears they can. I work 13 hours a day as a secretary to support my family and the $10,000 they ended up keeping was two years of my bonuses. This was money I thought I could use in the event of an emergency and now it is all gone.