Americo Ins. Goes under several names in fine print at the bottom of their policy/form letters. I'm now assuming they use whichever is beneficial to them.
After working successfully since age 16, and through several painful things, I realized after NOT being able to work for over 8 months I was in need of a disability policy.
Was solicited by a company named Americo, an agent scheduled and appointment to verbally ask questions, take down my information, etc. To have apprx. $85 a month withdrawn from my bank acct. For a policy that SUPPOSEDLY would pay for TWO YEARS in case of my being unable to work due to illness or injury.
I very willingly mentioned, and agreed to exclude, my one health condition, though controlled/treated, of cervical dystonia.
I'd just returned to work after a rotator cuff injury that had me unable to lift one arm without pain for months, and had even lost a job over that as I was unable to work, and am/was an independant contractor.
That scared me into realizing I needed at least coverage for my home mortgage.
I'm divorced with NO other income, as I was then. I wanted some peace of mind, and turned to this company for it. Bad decision since I didn't choose another.
While on my once a year vacation (I'm a licensed barber/hair stylist/colorist) was returning from visiting my parents... The airplane ascending/descending caused a pressure 'pop' in my left ear. I've suffered unbearable sensitivity to sounds since. Diagnosed by three hearing specialists as 'collapsed tollerance to sound'.
Again... I have worked, and quite successfully until this incident. Over 30 years as in my former profession.
The Americo agent sat across from my dining room table and took information, even recommending I should get a job as an agent with them myself! I still have the note she sent to me with her boss' name on it concerning that. Nothing keeping me from working then, but NOW they are claiming my hearing problems 'since childhood' have voided my claim.
They also have not taken into acct. That a MONTH after my plane trip, a car accident caused by another (my braking to avoid her hitting me as badly) has me in physical therapy. I couldn't work even if I did NOT have collapsed hearing, and intollerance to sounds (even my own voice I have to keep so low, I have to be close to others for them to hear me).
This company has not yet been contacted by my attorney, but I can see no other outcome but to let him file a complaint with the Ins. Commissioner's office, and to pursue this. I have too much documentation on my TWO conditions, and have no intention to sleep through this, as companies like this hope happens. I won't be worn down and give up. Contacting the media is one of my options. I do not take women in particular being bullied/dismissed by companies.
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