LIPS / API CLAIM DENIED
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Would tend to agree.
Have also renewed several times now and never received an acknowledgement they had the yearly payment. Doesn't take much to send a 'Thank you, we have your renewal funds and your policy is still valid'.
Only a small issue I know but a sign that the 'Company' is not as professional as could be. Car insurance, holiday, house etc all send a renewal policy through. I've got nothing and by paying yearly, the funds could have been deposited by mistake into another account for all I know.
Come on LIPS, pull your finger out and be more proactive!
Harry
Have also renewed several times now and never received an acknowledgement they had the yearly payment. Doesn't take much to send a 'Thank you, we have your renewal funds and your policy is still valid'.
Only a small issue I know but a sign that the 'Company' is not as professional as could be. Car insurance, holiday, house etc all send a renewal policy through. I've got nothing and by paying yearly, the funds could have been deposited by mistake into another account for all I know.
Come on LIPS, pull your finger out and be more proactive!
Harry
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UPDATE - ALL SUPPORTING DOCUMENTS AND CLAIMANT - INSURER CORRESPONDENCE MAY BE AVAILABLE ON REQUEST TO CONCERNED CONTRIBUTING MEMBERS
CASE HISTORY
UAE GCAA LICENSE REVOKED ON MEDICAL GROUNDS 6 MONTHS AGO
EMPLOYMENT TERMINATED DUE LOSS OF MEDICAL
FORMER EMPLOYER SETTLED LOSS OF LICENSE CLAIM IN FULL 6 WEEKS FOLLOWING FULL MEDICAL RECORD SUBMISSION AND REVIEW
HARVEY WATT & CO (THE LIPS/API US based NON REGULATED APPOINTED ASSESSOR) HAVE SPENT 16 WEEKS "REVIEWING" IDENTICAL MEDICAL FILE AND I AM STILL WAITING FOR LIPS/API TO PAY OUT
MOST E MAIL COMMUNICATIONS RESPONDED TO BY UNNAMED STAFF FROM "MEMBERS SUPPORT" EVEN THOUGH I HAVE ASKED SEVERAL TIMES FOR AN IDENTIFIABLE STAFF MEMBER TO REPLY TO MY REPEATED QUESTIONS
THIS EVENING I RECEIVED CORRESPONDENCE FROM A SCHEME "MANAGER" ADVISING ME OF THE FOLLOWING.
"API formally known as LIPS, LIPS holdings LTD,its Directors,committee members,consultants,assistants and Member Support Team have no further role in your claim and have no authority to communicate with you without the express permission of the Trustee as was stated earlier this evening"
"The API Trust as represented by etc etc...."
ALL I ASKED WAS FOR A REPLY TO THE OUTCOME OF MY LOSS OF LICENSE CLAIM EARLIER SUNDAY.
I AWAIT THE OUTCOME OF MY CLAIM LATER TODAY AFTER SUBMITTING A REQUEST BY EMAIL SUNDAY AND WILL ADVISE MEMBERS OF THE RESULT AS SOON AS I RECEIVE IT.
CASE HISTORY
UAE GCAA LICENSE REVOKED ON MEDICAL GROUNDS 6 MONTHS AGO
EMPLOYMENT TERMINATED DUE LOSS OF MEDICAL
FORMER EMPLOYER SETTLED LOSS OF LICENSE CLAIM IN FULL 6 WEEKS FOLLOWING FULL MEDICAL RECORD SUBMISSION AND REVIEW
HARVEY WATT & CO (THE LIPS/API US based NON REGULATED APPOINTED ASSESSOR) HAVE SPENT 16 WEEKS "REVIEWING" IDENTICAL MEDICAL FILE AND I AM STILL WAITING FOR LIPS/API TO PAY OUT
MOST E MAIL COMMUNICATIONS RESPONDED TO BY UNNAMED STAFF FROM "MEMBERS SUPPORT" EVEN THOUGH I HAVE ASKED SEVERAL TIMES FOR AN IDENTIFIABLE STAFF MEMBER TO REPLY TO MY REPEATED QUESTIONS
THIS EVENING I RECEIVED CORRESPONDENCE FROM A SCHEME "MANAGER" ADVISING ME OF THE FOLLOWING.
"API formally known as LIPS, LIPS holdings LTD,its Directors,committee members,consultants,assistants and Member Support Team have no further role in your claim and have no authority to communicate with you without the express permission of the Trustee as was stated earlier this evening"
"The API Trust as represented by etc etc...."
ALL I ASKED WAS FOR A REPLY TO THE OUTCOME OF MY LOSS OF LICENSE CLAIM EARLIER SUNDAY.
I AWAIT THE OUTCOME OF MY CLAIM LATER TODAY AFTER SUBMITTING A REQUEST BY EMAIL SUNDAY AND WILL ADVISE MEMBERS OF THE RESULT AS SOON AS I RECEIVE IT.
Last edited by footballfanppl; 14th Aug 2016 at 23:06.
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PROOF LIPS API Appointed US based Assessor Harvey Watt & Co is Non Regulated
PROOF LIPS APPOINTED US BASED ASSESSOR HARVEY WATT & CO IS NON REGULATED.
On June 30 2016, fourteen weeks after submitting my full medical records to Harvey Watt & Co the US based case assessor used by LIPS /API I enquired as to when they anticipated completing the review of my case, and asked a Senior Claims Consultant at Harvey Watt & Co as to whether they are a regulated company. I received the following reply.
Good Day Mr ***
The answer to your question regarding your pending case, no we are not bound by ERISA.
To that end, I anticipate completion of our medical review for your case by next week.
If you have questions please let me know.
Thank you
****
____________________________________________________________ __
NB: My previous employer received my full medical record at the same time as the LIPS/API appointed US based assessor Harvey Watt & Co and settled my loss of license claim in six weeks. Twenty three weeks later and LIPS /API have yet to settle my Loss of license claim and I have yet to receive a cent from them.
Since my last full salary cheque in April 2016 I have been living directly off my savings.
BREAKING DOWN 'Employee Retirement Income Security Act - ERISA'
ERISA also sets minimum standards for participation, vesting, benefit accrual and funding. The law defines how long a person may be required to work before becoming eligible to participate in a plan, to accumulate benefits and to have a nonforfeitable right to those benefits. It also establishes detailed funding rules that require plan sponsors to provide adequate funding for the plan.
ERISA and Accountability
ERISA requires accountability of plan fiduciaries, and generally defines a fiduciary as anyone who exercises discretionary authority or control over a plan's management or assets, including anyone who provides investment advice to the plan. Fiduciaries who do not follow the principles of conduct may be held responsible for restoring losses to the plan. ERISA also addresses fiduciary provisions and bans the misuse of assets through these provisions.
ERISA and Participant Protection
In addition to insisting participants are informed, ERISA also gives participants the right to sue for benefits and breaches of fiduciary duty. To ensure participants do not lose their retirement contributions if a defined plan is terminated, ERISA guarantees payment of certain benefits through a federally chartered corporation, known as the Pension Benefit Guaranty Corporation.
Read more: Employee Retirement Income Security Act (ERISA) Definition | Investopedia Employee Retirement Income Security Act (ERISA) Definition | Investopedia
Follow us: Investopedia on Facebook
On June 30 2016, fourteen weeks after submitting my full medical records to Harvey Watt & Co the US based case assessor used by LIPS /API I enquired as to when they anticipated completing the review of my case, and asked a Senior Claims Consultant at Harvey Watt & Co as to whether they are a regulated company. I received the following reply.
Good Day Mr ***
The answer to your question regarding your pending case, no we are not bound by ERISA.
To that end, I anticipate completion of our medical review for your case by next week.
If you have questions please let me know.
Thank you
****
____________________________________________________________ __
NB: My previous employer received my full medical record at the same time as the LIPS/API appointed US based assessor Harvey Watt & Co and settled my loss of license claim in six weeks. Twenty three weeks later and LIPS /API have yet to settle my Loss of license claim and I have yet to receive a cent from them.
Since my last full salary cheque in April 2016 I have been living directly off my savings.
BREAKING DOWN 'Employee Retirement Income Security Act - ERISA'
ERISA also sets minimum standards for participation, vesting, benefit accrual and funding. The law defines how long a person may be required to work before becoming eligible to participate in a plan, to accumulate benefits and to have a nonforfeitable right to those benefits. It also establishes detailed funding rules that require plan sponsors to provide adequate funding for the plan.
ERISA and Accountability
ERISA requires accountability of plan fiduciaries, and generally defines a fiduciary as anyone who exercises discretionary authority or control over a plan's management or assets, including anyone who provides investment advice to the plan. Fiduciaries who do not follow the principles of conduct may be held responsible for restoring losses to the plan. ERISA also addresses fiduciary provisions and bans the misuse of assets through these provisions.
ERISA and Participant Protection
In addition to insisting participants are informed, ERISA also gives participants the right to sue for benefits and breaches of fiduciary duty. To ensure participants do not lose their retirement contributions if a defined plan is terminated, ERISA guarantees payment of certain benefits through a federally chartered corporation, known as the Pension Benefit Guaranty Corporation.
Read more: Employee Retirement Income Security Act (ERISA) Definition | Investopedia Employee Retirement Income Security Act (ERISA) Definition | Investopedia
Follow us: Investopedia on Facebook
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The thing is they HAVE paid out in the past- and on occasion refused to. Putting an anonymous post up on Pprune (which is, after all, a rumor network) is not likely to attract any sympathy without further details.
Which do you trust more, an regulated scheme run by and for pilots which has a proven record of paying out or a scheme run by a (regulated) insurance company which has an army of lawyers looking for reasons not to pay? You pays your money and takes your chances.
Which do you trust more, an regulated scheme run by and for pilots which has a proven record of paying out or a scheme run by a (regulated) insurance company which has an army of lawyers looking for reasons not to pay? You pays your money and takes your chances.
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BigGeordie,
Apart from publicly publishing his medical records for all and sundry here to read what would you rather he do ?
He is a friend of mine and I will guarantee what he says is true.
I think LIPS/API had better get their act together along with Harvey Watt and stop prevaricating, otherwise just why are we paying our monthly/yearly subscriptions.
Yes they have paid out in the past and did so to a friend of mine who sadly passed away from cancer, and at the time they couldn't have done more. However at the time I believe the Harvey Watt conglomerate weren't part of LIPS/API, it was just LIPS/API.
Please also read the opening post Harvey Watt is "Non Regulated" apparently.
Apart from publicly publishing his medical records for all and sundry here to read what would you rather he do ?
He is a friend of mine and I will guarantee what he says is true.
I think LIPS/API had better get their act together along with Harvey Watt and stop prevaricating, otherwise just why are we paying our monthly/yearly subscriptions.
Yes they have paid out in the past and did so to a friend of mine who sadly passed away from cancer, and at the time they couldn't have done more. However at the time I believe the Harvey Watt conglomerate weren't part of LIPS/API, it was just LIPS/API.
Please also read the opening post Harvey Watt is "Non Regulated" apparently.
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Acknowledgement of payment
HTC. I certainly got the acknowledgment from them that they had received the annual payment and that I was paid up for another year.
Could this be a mailbox issue? I agree however that their chosen method of communicating is lacking. Not sure they even have a phone number you can use to have a rant at them.
Bloggs.
Could this be a mailbox issue? I agree however that their chosen method of communicating is lacking. Not sure they even have a phone number you can use to have a rant at them.
Bloggs.
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Communications issues aside, the original threads point was about LIPS conduct. Please see my response in another LIPS thread, started by the same author....I have nothing bad to say about the service received as a claimant, other than a grumble about to what age the payments continue. This may prove to be academic......nevertheless.....
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LIPS / API CLAIM DENIED
CLAIM DENIED- THIS IS NOT A RUMOUR.
I invite all current members of LIPS / API to see the full and unfettered documented evidence.
The salaried " volunteer " pilot " managers" of the fund are about to spend your hard earned contributions on " defending" a claim denial to a fellow member.
THIS IS WHAT IT IS :
message me for an appointment to view ALL documentation.
I invite all current members of LIPS / API to see the full and unfettered documented evidence.
The salaried " volunteer " pilot " managers" of the fund are about to spend your hard earned contributions on " defending" a claim denial to a fellow member.
THIS IS WHAT IT IS :
message me for an appointment to view ALL documentation.
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footballfanppl;
Could you tell us what reason was given for your claim being denied? Since you placed this on a public forum, I'm sure you will not mind sharing.
I know guys that have successfully claimed from API (LIPS) and are very happy with the way the claim process was handled. To me the API rules are pretty simple; lose your flying license - receive benefits. Unless of course, your case falls into one of the exception categories.
There have to be checks and balances - I am not saying this applies to you, but I certainly don't want my contributions going towards anything other than legitimate claims.
Have also read other threads on this forum referring to "Loss of Income" vs. "Loss of License" - guys are clutching at straws. The rules have never insinuated payments for anything other than Loss of License.
Could you tell us what reason was given for your claim being denied? Since you placed this on a public forum, I'm sure you will not mind sharing.
I know guys that have successfully claimed from API (LIPS) and are very happy with the way the claim process was handled. To me the API rules are pretty simple; lose your flying license - receive benefits. Unless of course, your case falls into one of the exception categories.
There have to be checks and balances - I am not saying this applies to you, but I certainly don't want my contributions going towards anything other than legitimate claims.
Have also read other threads on this forum referring to "Loss of Income" vs. "Loss of License" - guys are clutching at straws. The rules have never insinuated payments for anything other than Loss of License.
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Was his claim denied? If yes based on what ? I understand it is still under investigation..... Sometimes the speed at which you cooperate with their doctors/ experts also influences the investigation time...
We don't know the whole story , say everything or ......... ... ...
We don't know the whole story , say everything or ......... ... ...
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I would probable pull out of a loss of license insurance if the company paid out on every claim . There have been many claims denied all over the world . There are rules and if your claim falls outside the rules that you knew about when you signed then you don't get paid . It's not a right .
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FULL DISCLOSURE FROM LIPS/API REQUIRED
The following are details of LIPS/API potential malpractice that need to be confirmed or denied by their legal department and pilot directors.
Harvey Watt & Co receive commissions /renumeration from LIPS/API for case assessments with the amount Harvey Wayy & Co receive being dependent on percentage saved denying a pilots claim. The more saved by denying a potentially large claim, the more commissions Harvey Watt & Co receive.
Harvey Watt & Co have recently sent e mails to members already receiving benefit under the scheme "to arrange a phone call with a certain Robin Elliott from Harvey Watt & Co" to re open a discussion of their case. One such individual approached lost his medical due to a diagnosis of Multiple Sclerosis.
Pilot managers of LIPS/API receive a salary from the contributions of pilot members. The salary of 6000 AED a month has been alleged If this amount is correct and depending on this being the monthly renumeration received by each individual pilot manager what is the total cost to the fund annually.
Harvey Watt & Co receive commissions /renumeration from LIPS/API for case assessments with the amount Harvey Wayy & Co receive being dependent on percentage saved denying a pilots claim. The more saved by denying a potentially large claim, the more commissions Harvey Watt & Co receive.
Harvey Watt & Co have recently sent e mails to members already receiving benefit under the scheme "to arrange a phone call with a certain Robin Elliott from Harvey Watt & Co" to re open a discussion of their case. One such individual approached lost his medical due to a diagnosis of Multiple Sclerosis.
Pilot managers of LIPS/API receive a salary from the contributions of pilot members. The salary of 6000 AED a month has been alleged If this amount is correct and depending on this being the monthly renumeration received by each individual pilot manager what is the total cost to the fund annually.
Last edited by footballfanppl; 17th Aug 2016 at 14:46.
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How about full disclosure from you? I sent you a private message days ago regarding your situation which you have never answered. You posted to contact you to see all the information, I did and you didn't reply.
I'm going through some medical problems myself and have lost my medical. The company, LIPS/API and the person you mentioned at Harvey Watt have been VERY helpful. Maybe they are trying to keep people from dishonesty receiving the benefits? The policy is very clear.
I don't have an issue with either Harvey Watt & Company or Pilot Managers of LIPS/API receive compensation, I'd expect that.
I don't know what game you're playing but perhaps you can take it off the public forums!
I'm going through some medical problems myself and have lost my medical. The company, LIPS/API and the person you mentioned at Harvey Watt have been VERY helpful. Maybe they are trying to keep people from dishonesty receiving the benefits? The policy is very clear.
I don't have an issue with either Harvey Watt & Company or Pilot Managers of LIPS/API receive compensation, I'd expect that.
I don't know what game you're playing but perhaps you can take it off the public forums!