Sanlam Umbrella Fund and Life Insurance submitted their response to the PFA. In their response they maintain that the Rules of the Fund was explained to me when I joined. This is not true. The employer was asked to respond who stated that the rules were explained explained to me, though they were not present. Prior to me joining I explained to the broker that I have a pre-existing condition. He responded by stating that it is irrelevant as "this is a group scheme". The rules of the fund were published on the employers' intranet a day after they responded to Sanlam. At this time I was already dismissed due to "incapacity". Three months after my dismissal and about 8 months since I went on sick leave. It is a fair assumption that Sanlam and the employer failed to inform members of the Rules, as I have testimony of other employees who confirms this fact.
My claim was declined by the underwriter, Capital Alliance due to pre-existing condition. Sanlam takes no responsibility for their conduct. I would like to caution all prospective members of Sanlam to be extremely vigilant before doing business with them. In similiar claims like mine, YOU WILL FAIL.
Currently my claim is with the PFA
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