Life insurance cleared for guard's family

TELL Claudienne

Claudienne Edwards

Sunday, October 21, 2018

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Dear Claudienne,

I live in St Ann. My husband, who was employed to Guardsman Ltd, died in a motor vehicle accident on February 15, 2014.

Guardsman, which was very helpful and compassionate to the family, informed us that my husband was covered under two group insurance policies. One of the insurance policies under which he had coverage was with Sagicor and the other was with Guardian Life.

My son and I, who were the beneficiaries of the policies, completed and submitted the claim forms that the company gave us.

By the end of February 2014, we also submitted all the documents required by the company, such as the Police Report, Death Certificate, etc.

Months passed and we heard nothing. After we made several calls to Guardsman Ltd and got no response we concluded that we were getting the runaround.

We eventually engaged the services of a lawyer in October 2016 and, in June 2017, the Sagicor Claim was settled.

We were also told that Guardsman was awaiting settlement of the Guardian Life claim.

On investigating we learnt that Guardian Life had approved settlement of our claim from April 2017.

However, to date (October 8, 2018) we have not received this settlement.

When we went to the head office in early September 2017, we were told that by the end of September 2017 we would “hear something”.

However, to date we have not heard from them. I am therefore asking you to look into this matter for us.

I would appreciate your help to have this matter settled.


Dear MS

Tell Claudienne has been in communication with Guardsman Ltd about your concerns and they have expressed regret that you were not contacted.

Tell Claudienne contacted the Guardsman attorney at-law on Friday, October 12, 2018 and she advised us by e-mail that same day. The e-mail stated the following:

“Please be advised that Guardsman Ltd contacted MS' attorney this afternoon regarding the settlement of the insurance claim.”

Tell Claudienne notes that you went to your lawyer's office on Tuesday, October 16, 2018 and signed the Guardsman release and discharge of the funds.

The Guardsman lawyer told Tell Claudienne on Wednesday October 17, 2018 that the Human Resources Department will give the cheque to your lawyer when the release and discharge form is returned to them.

We note that your lawyer is in the process of returning the release form via courier service to Guardsman.

We wish you all the best.

NIS pension for Jamaican in US

Dear Claudienne,

I am writing from the United States where I am living. In March of 2016, I applied to the Ministry of Labour and Social Security for my NIS pension. I was told that it takes about six months to be processed.

After this time elapsed I began calling the ministry and until this day (April 4, 2018) all I have received from them is the “runaround “.

In August of last year they told me that the cheque was ready but that they only disbursed overseas cheques in October and April and mine should arrive in October.

October came and went and so did November, December, January, February, March, and now we are at the end of April, and still no cheque.

In March when I made contact with them (so difficult to do) they told me that the cheque was still on the desk of the director of accounts but that it would be posted out for me to receive in April.

The reason they gave for the delay was that the ministry was implementing a new system for paying overseas cheques. This should not have prevented me from receiving my pension because a colleague of mine, here in New York, has received both October and April cheques.

I am still waiting and would appreciate your help.


Dear KE

Tell Claudienne contacted the NIS and note that two payments have now been sent to you. One of the payments was sent on August 13, 2018 and the other payment was sent to you in September 2018.

We wish you all the best.

Have a problem with a st ore, utility, a company? Telephone 936-9436 or write to: Tell Claudienne c/o Sunday Finance, Jamaica Observer, 40-42 1/2 Beechwood Avenue, Kingston 5; or e-mail: Please include a contact phone number.

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