Benefits USA - Team Benefits - Smart Health Care Solutions - Mark Lastovica - Carl Schenkel Beware of Benefits USA. They are scam artists! Phoenix Arizona

Beware of Benefits USA, also known as Team Benefits, also known as Smart Health Care Solutions.
Owners: Mark Lastovica (480) 231-1940 and Carl Schenkel (480) 313-8103

This company keeps reinventing it self so they don't have to pay claims, pay their agents, or their employees. If you are an agent thinking about contracting with Benefits USA think again. What they do is have you build a book of business with them and then once you have a significant book of business built they then tell you that it all fell off the books. They will not show you any proof and deny you access to any type of database where you can go and see if the policies are actually cancelled. There have been several instances where agents were told that the policies are cancelled and yet when they check with the policy holder (also having the policy holder confirm that they are still active with Benefits USA Customer Service) and the policy is NOT cancelled. In other words they keep all the renewals and you get NOTHING. This company is run by scam artists. BEWARE

They don't even have money to pay their existing bills ON TIME, but they make ALL the promises in the world. They promised that every Rep will have a Back office with GENEALOGY reports, so that Reps could manage their Teams better, but they never had the intention of doing that, and to this day they do not have this feature.
They continually bounce checks for their rent, outside vendors, and employees.

One of the benefits of the Plans we were selling was a Doctor's Office visit for just $50.00. Now this is an INSURANCE Benefit which can be administered ONLY by an Insurance company or a TPA(Third Party Administrator). However, as per Mr. Jim Lilly, ex Executive Vice-President, the owners decided to pay out this Benefit to Customers thru their own offices, even though it was ILLEGAL to do so, and most of the time, a lot of the customers were never sent these checks, even after several phone calls to the company.

There has also been several DISCREPENCIES where Reps have NOT been paid on the Reps they recruited, and/or some of the Memberships they've sold. Policies as well as rules and regulations have constantly been changed to accommodate the company's favor, for e.g., Reps were getting paid once in 2-3 weeks for their recruiting, instead of every week as per company rules. And some Reps NEVER got paid on the Reps they recruited.
Last, but not the least, they have NOT paid the Renewal Commissions to several Reps across the country, citing an excuse of fiduciary responsibility. There are Reps in that company that have spent every dime in the business they owned to earn the Income they had coming to them, and had nowhere else to go. However, the owners' MODUS OPERANDI" seems to be to CHEAT the existing Reps out of their RENEWAL Commissions, and just bring in NEW Reps to screw over, again and again.

The owners know that it takes a lot of money, time and effort for lawsuits, which most Reps don't have, so they're taking advantage of that loophole, and just stopping to send the checks to the Reps, without any notification or justification. Also, they have a FRONT" company, (Smart Health Care Solutions), and a holding company, (Team Benefits, LLC), which is a Limited Liability company, so that there is not much financial responsibility, and is incorporated in a state where the laws favor the owners, and they're judgment proof. Every move the owners have made so far in killing the customers and/or the Reps has been pre-meditated.

BE WARNED OF THIS company, or YOU will end up either a VERY dissatisfied Customer, employee, or a Rep that has been screwed over and over.


P.S. If you've been screwed by this company or want to form some kind of legal action against them. Please contact me at (((Redacted)))

Karma
Phoenix, Arizona
U.S.A.

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