A lady called, wanted to know why we only paid her claim, but not her husbands. I looked at the claim; she only listed herself on the form, no spouse and each person is individually insured. She then wanted to know why we didn’t know her husband was also claiming a refund. Why would we? How would the claim adjuster (a perfect stranger) that knows nothing about you other than what’s on the form submitted be aware of your husband? We can’t ass(u)me even though she did. Once again, were not using our crystal ball, the data charges are too outrageous!