• Report: #607471
Complaint Review:


  • Submitted: Wed, May 26, 2010
  • Updated: Thu, July 12, 2012

  • Reported By: Evangelist Spankie — Moline Illinois United States of America
Internet United States of America


*REBUTTAL Individual responds: Spankie is a wholesale liar

*Author of original report: Unmistaken & Not Misguided Employee

*UPDATE Employee: Mistaken and Misguided

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I began working for Leo & Marie Maciolek on May 15, 2009 and my last day was May 12, 2010. I am an C.N.A. and took care of her husband from the hours of 9am-4pm Mon.-Fri. Marie seemed to think the care Leo was receiving was not good enough she never stated this directly to me but her actions and conversation with other people displayed her feelings.
There are a few things that if had known beforehand I would have never went to work for them. I did not know that this would be seen as a claim after a few months I was thinking they will get this routine of paying us in some organized timely fashion well they never did! Every month we did not know when were going to get paid. It has even gone up to 5 to 6 weeks without being paid.

Also it is at the adjusters discretion if we even receive payment I was not aware of this until much later matter of fact Dec. 2009 this was brought to my attention as I spoke with a Wayne when I called inquiring about when they were going to send me a check. That's not a steady job if someone can determine how many hours they are going to pay you for. If they the adjusters felt that we did not perform an adequate job then we would not be paid thank God I did not encounter this yet but at this present time they still owe me two claims. I have been calling everyday they say one claim is out in the mail and the other they have not started processing it yet. 
The customer service was and is always a very long wait and was horrible before you could actually talk to someone about anything you would be transferred at least six times and that has occurred more times than that on many occasions and I would be on the phone from 45 minutes to hour and sometimes longer trying to get my questions answered about my pay.
They are very unorganized and at one time they had my name on the check but the other young ladies pay and vice verse for her they got our checks mixed up. My amount they reported last year to IRS was incorrect as well.
They Conceso conglomerate of companies are a RIPOFF indeed! Also had I known of the numerous complaints over a 1,000 which have been reported about Conseco company and that they have already been sited and fined for serious violations with their long-term care insurance companies and policies in the amount of 42.3 million the settlement which includes 40 states I would have never went to work for them!

I advise and recommend all not to buy the insurance or work for Conseco or any of it subsidiaries. Their payment on claims is ridiculous and as I did get behind in my bills with paying so much in late fee's and not knowing your pay date you can't plan  anything nor could my bills no longer be taking out of my checking account.

This report was posted on Ripoff Report on 05/26/2010 10:28 AM and is a permanent record located here: http://www.ripoffreport.com/reports/marie-leo-maciolek-conseco-senior-health-insurance-long-term-in-home-care/internet/marie-leo-maciolek-conseco-senior-health-insurance-long-term-in-home-care-conseco-se-607471. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 REBUTTAL Individual responds

Spankie is a wholesale liar

AUTHOR: TRUTH VENDOR - (United States of America)

Spankie never met Tony and is giving CONFIDENTIAL medical information about a patient over the internet.  Look out for the lawsuit.
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#2 Author of original report

Unmistaken & Not Misguided Employee

AUTHOR: Evangelist Spankie - (United States of America)

First of all I have facts now and had I known about Conseco from the start I would have never went to work for them or Marie & Leo Maciolek. I should have known the two young ladies who worked for her before did not receive their pay until after they had quit. Below is a list of problems, settlements and lawsuits with Conseco and companies they have bought and a whole article from the National Association of Insurance Commissioners:


NAIC News Release





Examination Finds Serious Long-Term Care Violations

KANSAS CITY, Mo. (May 7, 2008) - State insurance

regulators, working together through the National Association of Insurance

Commissioners (NAIC), today announced the details of a regulatory settlement

agreement between 40 jurisdictions and Conseco, Inc., due to a pattern

of consumer harm in the company's long-term care insurance business. This

multi-state investigation has resulted in a $2.3 million fine and $30

million in claims-handling improvements and restitution.

"Consumers need to have confidence in the insurance products they're

buying and in the companies they're doing business with," said Montana

State Auditor John Morrison, who chairs the NAIC Market Regulation and

Consumer Affairs Committee, which oversees multi-state examinations. "As

state insurance regulators, our No. 1 job is to protect consumers by making

sure companies pay claims in a prompt and appropriate manner - and to take

regulatory action when they fail to do so."

The states of Florida, Illinois,

Indiana, Pennsylvania

and Texas

led the settlement negotiations. According to the terms of the settlement,

Conseco will pay a $2.3 million penalty to be shared by all participating

states; pay at least $4 million in restitution and administrative costs to

harmed policyholders; and invest $26 million in system upgrades and improved

claims administration. Conseco is also obligated to pay an additional $10

million in fines if problems are not corrected.

"Conseco is among the nation's largest long-term care insurers,"

said Pennsylvania Acting Insurance Commissioner Joel Ario, whose department

served as the lead state on the investigation. "It is vital that

long-term care insurers make prompt and appropriate payment of claims to

consumers who are older and whose life and well-being are dependent upon it.

Conseco failed this test."


the on-site examination showed that:

  • Investigation of pending

    claims were not handled in a timely manner;
  • Claim files were not

    properly documented or maintained; and
  • Time frames for company

    responses to claimants did not adhere to applicable regulations.

The settlement involves two Conseco subsidiaries - Conseco Senior Health

Insurance Company and Bankers Life and Casualty Insurance Company - and

covers claims filed from Jan. 1, 2005, through April 30, 2007.

Conseco self-reported serious issues in complaint and claims handling, and

blamed the problems on the challenge of integrating various computer systems.

The settlement requires the company to contract with an experienced long-term

care claims administrator to process claims in a timely and appropriate


According to the terms of the settlement, Conseco Senior Health Insurance

Company, which is not actively writing new policies, will automatically

review 1,112 claims that were initially denied; will provide notices to

another 18,000 policyholders covering 49,000 claims that may have been

partially denied or subsequently denied after initial payment; and will set

up a toll-free call center for all claimants who believe their claim

settlement was not handled properly. The investigation found that the primary

problems in most cases were delays in claim payments, rather than outright

claim denials.

In the case of Bankers Life and Casualty Insurance Company, which is

writing new policies, the investigation uncovered inadequate marketing and

sales compliance issues. The settlement requires Bankers to:

  • Enhance its producer

    (agent) training program;
  • Eliminate producer

    complaint thresholds, so that a single complaint can result in

    disciplinary action;
  • Regularly review

    experience-period results for all producers; and
  • Supervise all producers

    and terminate them due to non-compliance with marketing standards.

Going forward, both companies are required to:

  • Revise claims-handling

    procedures to guarantee timely and accurate processing;
  • Handle all complaints

    completely and in a timely fashion;
  • Create a centralized

    complaint database; and
  • Establish a countrywide

    contact for complaints

State insurance regulators will conduct ongoing monitoring for appropriate

compliance benchmarks for complaint and claims processing; implement

quarterly reporting requirements; and, ultimately, conduct a re-examination

of the companies to ensure that all problems have been corrected.

Conseco has 30 days to mail notices to policyholders on how to seek review

of their claims. These notices will also include a toll-free number for all long-term

care claimants.

To date, jurisdictions that have adopted the settlement agreement include:

Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, District of Columbia,

Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,

Maryland, Massachusetts, Michigan, Missouri, Montana, Nebraska, Nevada, New

Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio,

Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah,

Vermont, Washington, West Virginia and Wyoming.

Click HERE for a copy of the regulatory settlement agreement.

Click HERE for a copy of the market conduct examination report.

About the NAIC

Formed in 1871, the National Association of Insurance Commissioners (NAIC)

is a voluntary organization of the chief insurance regulatory officials of

the 50 states, the District of Columbia and

five U.S.

territories. The NAIC has three offices: Executive Office, Washington,

D.C.; Central Office, Kansas

, Mo.; and Securities

Valuation Office, New York City.

The NAIC serves the needs of consumers and the industry, with an overriding

objective of supporting state insurance regulators as they protect consumers

and maintain the financial stability of the insurance marketplace. For more

information, visit www.naic.org.

You are currently subscribed to the "NAIC

News Release" electronic service.

For information regarding this service, please contact the NAIC

Communications Division, 2301

McGee Street
, Kansas City, MO 64108


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Number of Articles Found: 37

1. Conseco Finalizes $11M Settlement With States

Wednesday, Jun 30, 2010

Conseco Life Insurance Co. has finalized an agreement with a number of state insurance regulators to settle allegations that the company misled customers about the terms of its Lifetrend life insurance products, agreeing to establish a $10 million fund for policyholders and pay $1 million to regulators.


4. Conseco Wants Union's Securities Class Suit Tossed

Monday, Mar 15, 2010

Conseco Inc. has asked a judge to throw out a union pension fund's proposed securities class action over a restatement of several years' financial results, saying the restatement had barely any effect on the company's stock price.


9. Policyholder Asks For Class Cert. In Suit V. Conseco

Wednesday, Oct 07, 2009

A 78-year-old retired professor has moved for class certification in a suit accusing Conseco Life Insurance Co. of neglecting to inform customers that their policies were underfunded before demanding that they pay more money or lose their benefits.


12. Most Of Conseco Class Action Survives Bid To Toss

Friday, Jul 31, 2009

A federal court has refused to dismiss most of a putative class action against Conseco Life Insurance Co. alleging the insurer knowingly underfunded life insurance policies and failed to inform policyholders about a calculation error for nearly three years.


29. Conseco, Former CEO Settle Suit Over Loans

Wednesday, Dec 06, 2006

A protracted dispute between insurer Conseco Inc. and former chief executive Stephen C. Hilbert over unpaid loans was settled Wednesday, two months after the U.S. Supreme Court refused Hilberts appeal.

30. Supreme Court Refuses To Hear Conseco Appeal

Tuesday, Oct 03, 2006

The U.S. Supreme Court refused Monday to hear the appeal of Conseco Inc. co-founder Stephen Hilbert, who a lower court had ordered to repay more than $80 million in loans.


There is too many more to post of Conseco and all the other companies they own and all the reasons they have been sued or just read all the reports in here RIPOFFREPORT.COM.


Yes, I was late to work for Marie but not on my jobs now! You would be late to if your check was 3 to 6 weeks in coming and I was not aware it would be like this all the time until I called Conseco and spoke with a Wayne and he informed me it could be 60-90 days before a claim could be processed and paid out. I wasnt informed of that when I was hired by Marie, Tony or Reyes. I was not aware or informed that my pay would be the way it was. I would not have taken the job had I known my pay was going to like it was. When Marie hired me I did not want the job but I told her about a friend of mine she hired and he only worked a few days and did not show back up and I see why so this is initially why I went to work for her because my friend left her high and dry but I see why. If you start working a job and you dont know when you are getting paid, your boss is trying to treat you like a child and take in consideration that I had not been a C.N.A. in a year by my choice. I was burned out and should have not taken the job. Alzheimer's disease is the most common cause of dementia the loss of intellectual and social abilities severe enough to interfere with daily functioning. In Alzheimer's disease, healthy brain tissue degenerates, causing a steady decline in memory and mental abilities. Along with that this is what happens to people who are diagnosed with it Alzheimer's disease they start with slight memory loss and confusion, but it eventually leads to irreversible mental impairment that destroys a person's ability to remember, reason, learn and imagine. From day to day Leo could not remember a thing of course just like he would call me Frank one day and Freddie the next. How could Leo remember who I am he doesnt know himself or his own family members most of the time. Leo would constantly fight not with just me but with his wife Marie, with the other workers before us he wasnt as bad yet and Shaelyn he didnt fight her as much because he was and his mind is to busy trying to get fresh with her. Most of the time Leo thought I was man and Alzheimer patients dont like anybody stronger than them and dont want anybody telling them or trying to make them do anything. His behaviors where quite frequently horrible with me as well as with his wife there have been many times I came there and she looked like she had been fighting with him for hours. One of the biggest struggles caregivers face is dealing with the difficult behaviors of the Alzheimer person they are caring for. Dressing, bathing, eating, and getting them on & off the toilet - basic activities of daily living - often become very difficult to manage for both the person with Alzheimer's disease and the caregiver. I did my best with Leo especially knowing I did not want to be a C.N.A. but you do what you got to when you got bills. Marie his wife was an emotional wreck at times she wanted me to try to get him to do this and that which most of the time he wouldnt do whatever for me or anybody else either including her than the next minute she wanted you to keep him in his chair so he wouldnt destroy her precious furniture and things in her house which was not properly equipped for and Alzheimer patients. YOU CANNOT FORCE an Alzheimers patient to do anything! Each person with Alzheimer's disease is unique and will respond differently, and each person changes over the course of the disease and he did. I was on my computer a lot I am writing my thesis for my Masters degree and Thank God Im done and will graduate December 2010. I also was on my phone  a lot but that had nothing to do with Leo his care was not comprised. What do you do? I was not going to just sit there. You cant keep trying to make an Alzheimer patient do something who does not understand anything.


As the article above from the NAIC highlights they have had and still do have problems with filing claims and answering calls in a timely manner. Even when Tony or Reyes would call about the claims my money Marie still never knew the exact day they say they sent them out and most of the times that would be a lie. Sometimes Marie would get the letter about what we were going to get paid after we had received a check they are very unorganized and as you can see above have been sued for their handling of claims and a lot of other things too.


I received a check and didnt know I had it as a matter of fact. When you dont know when your check is coming and what is going on with your money that is confusing especially when they are 3 checks behind in paying you as they always was. Whats surprising they Conseco didnt waste no time sending me a copy of the check I cashed. So why wasnt my pay this timely? There were numerous time that one of us would get paid and it would be days later that the other person got paid.


Whatever trust Maries policy is paid through it sucks! It can mess your life up because my pay was the way it was Marie, Tony or no one else for that matter of fact did not pay all the late fees I incurred with my bills like 90% of American I too live from paycheck to paycheck and I need my money! No one has yet to this date paid me for all the late fees hmmmm. No one is going to come off businesslike, polite and sweet when their life is being alter by someone and

especially when money is involved. It was very, very embarrassing every month to tell my creditors and the people I pay my bills to I dont know when I am going to get paid. I was never late with my bills and can prove it but when I started working for Conseco and the Macioleks I was late every month. Nobody cared about our bills being late!


I will not write anymore rebuttals and waste my precious time with any of you again and yes my last encounters with Conseco, Marie and Tony were nasty and I am not a shame to admit it. People, no one takes kind to people messing with their money, their families and for me personally besides those two I want play with you messing with me about the God I serve or my dog! I have good jobs now. I love to get up and go to work. I am always on time, I get paid more than Conseco and Marie paid me, I have benefits and my money is in my checking account on time every two weeks! Everyone knows when you love your job you dont mind performing the duties and doing some extra too. Thank you Marie, you call yourself trying to fire me. I really appreciate it and will never ever work where I am not happy Marie and Leo taught me that, if the job does not offer benefits, and I make sure I know my pay dates! I will pray for you all and your families. My God did not let your door close for me Marie without opening up two more and WOW he blessed me big! Thanks again Marie!





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#3 UPDATE Employee

Mistaken and Misguided

AUTHOR: TRUTH VENDOR - (United States of America)

First I'd like to start off by saying that I have met with the person who filed the complaint against Marie on 3 separate occasions.  She is extremely opinionated and usually does not back up her opinions with anything resembling facts.

Marie Maciolek has been a client of mine for almost 10 years.  She goes out of her way to help others and has never been anything but nice to myself and my family.

After numerous conversations with Marie I found out that Spankie was consistently late and would do the bare minimum when it came to her duties as Leo's C.N.A.  She was constantly on the computer or phone.  Leo wanted nothing to do with her and would fight her constantly.  Marie's other workers never had the same type of problems as Spankie. 

I have called the insurance company numerous times to check on the status of the claims.  On all but two occasions Conseco processed the claims within 7-10 business days.  Never did it take 5-6 weeks.  They were very cordial and nice when you spoke to them with respect.  I never had to wait more than 5 minutes to talk to someone and never had to be transferred to another representative.  It is my belief that Spankie was neither respectful or nice when she called the company.

Spankie was made aware that she would be paid directly from the insurance company and that claims usually were paid within 7-10 business days.  She was made aware of this before she started to work for Marie.

Never once did an adjuster deny the claim.  Adjusters are only there to prevent fraud and Spankie never participated in fraud when it came to filing claims so she had nothing to worry about.

On one occasions Spankie told Marie that she did not receive a check at the same time that a co-worker did.  Marie then called me to inform me that she didn't understand why Conseco would pay one worker and not the other when the claims were submitted during the same fax transaction.  I called Conseco and spoke with Wayne.  He told me that in fact the check had been mailed and had in fact already been cashed.  What a surprise that was.  I turned around and called Marie so that she could have Spankie make sure that she hadn't already cashed the check.  Turns out she had and at no point did she apologize for attacking myself or Conseco.

Conseco no longers sells Long Term Care Insurance and Marie's policy claims are paid thru a trust that was set up by the company.

Spankie needs to get the facts straight and stop complaining that Marie and Conseco are a ripoff.

She has received every dime that she is owed and it is my opinion that she underperformed her daily job duties.

At no time in my dealings with Spankie did she come off as polite or businesslike in her mannerisms or dialogue.

My last encounter with Spankie happened after she stopped working for Marie.  She came into my office and started yelling at me about not being paid.  She asked when she could expect her checks.  I told her that they were in the mail and she should have them within the week.  Funny thing is though she had already gotten that information from Conseco.  What took her 45 minutes to an hour to find out took me 5 minutes.  We called the same number.

On her way out she had nothing but bad names to call Marie and myself.  If I was not a gentleman I would repeat them but I cannot in good conscience repeat what she said.

Spankie as a C.N.A. for Marie is in my opinion the real RIPOFF.

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