Complaints

This profile includes complaints for National Teachers Associates Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  National Teachers Associates Life Insurance Company

  4949 Keller Springs Rd Addison, TX 75001-5910

  
• 

  NTA Life Insurance Company of New York

  600 3rd Ave Ste 206 New York, NY 10016

• 

  NTA Life Insurance Company of New York

  600 3rd Ave Ste 206 New York, NY 10016

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/17/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My mother passed away on December18th, 2024. They took insurance premiums out of her account for2 months. They issued a refund for her on February 27, 2025 in the amount of $110.07. The problem is that it is written to the Estate of ******** ****** instead of just her name. I have contacted them twice now to ask them to either deposit the amount back into her account or rewrite the check in her name only. They have refused. It may not be a lot of money to most people, but to my Dad it is a lot. My parents are poor. My Dad has lived off of SS disability for the past 40+ yrs. He cannot afford to hire an attorney to fight for $110. There isnt enough money here to start an estate proceedings for her.

  

  Business Response

  Date: 03/18/2025

  To Whom It May Concern:

  Thank you for your correspondence.  We will investigate this matter and respond directly to ******* ****** within the next 14 calendar days as requested.

  If you have any questions in the meantime, please contact me.

  Sincerely,

  ***** **********

  Manager, Consumer Affairs 

  The Horace **** Companies

  ****************************************************************************

  Toll free: ************

   

   

• Initial Complaint

  Date:01/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have contacted them several times through email, mail, phone and through their website requesting cancelation of my disability/cancer rider. They ASSURED me I would not be charged on my Feb paycheck on more than one call, but most recently on 1/22. I was charged and my policies STILL havent been cancelled. Their email to me said it has been resolved but it has not. I do not know what else to do. They will be able to look up my policy number by my address

  

  Business Response

  Date: 01/29/2025

  To whom it may concern:

  Thank you for your email received on behalf of our Insured. Please accept this letter as acknowledgement of receipt of your correspondence and notification that due to privacy, we will investigate this matter and respond directly to our Insured. 

  If you have any questions, please contact me.

  Sincerely,

  ***** **********

  Manager, Consumer Affairs

  The Horace **** Companies 

  Business ************

  Email: **************************************************************************** 

   

• Initial Complaint

  Date:01/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was supposed to get reimbursed a premium for the time I was on Medical leave. $50 + 14 days = $700.

  

  Business Response

  Date: 01/13/2025

  To whom it may concern, 

  Thank you for allowing me the opportunity to respond on behalf of the Company. For privacy and security, we are working with the client directly to resolve this matter within 10 business days. 

  If you have any further questions, please contact me.

  Sincerely,

  ********* *******

  The Horace **** Companies

  ************

  **************************************************************************** 

• Initial Complaint

  Date:01/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I FILED AN ACCIDENT CLAIM WITH NATIONAL TEACHERS ASSOCIATES LIFE INSURANCE COMPANY ON MAY 24, 2024. THE PURPOSE OF THE CLAIM WAS DUE TO AN ACCIDENT THAT HAD OCCURED GETTING OUT OF MY DAUGHTER'S CAR. THE VERY SAME DAY, I WENT TO DOCTOR'S CARE, WHERE I SAW DR. ****** TO DETERMINE WHAT HAD HAPPENED TO MY KNEE BECAUSE I COULD NOT WALK ON IT. THEY DID AN XRAY ON MY KNEE AND THE DOCTOR GAVE ME A SHOT WITH **** MEDICINE TO HELP WITH THE ***** SUBSUQUENTLY, THE **** DID EASE SOME BUT NOT ENOUGH. I PURCHASED A KNEE BRACE AND WORE IT FOR A WHILE. NOT LONG AFTER, THE **** GOT TO BE UNBEARABLE. I CONTACTED SPARKS ORTHOPEDICS BECAUSE SOMETHING STILL WASN'T RIGHT WITH MY KNEE AND THE **** MEDICINE THAT DR. ****** HAD PRESCRIBED WAS NO LONGER WORKING. UPON MY FIRST VISIT, THEY SUGGESTED I GET ANOTHER SHOT FOR THE **** TO SEE IF THAT WOULD HELP. I DID AND IT DID HELP BUT ONLY FOR A SHORT WHILE. I SCHEDULED ANOTHER APPOINTMENT WITH SPARKS ORTHOPEDICS AND THIS TIME, DR. ****** ORDERED AN *** ON MY KNEE. THE *** RESULTS SHOWED THAT I HAD TORN MY MENISCUS AND HE CONFIRMED THAT I WOULD HAVE TO HAVE SURGERY TO REPAIR THIS ISSUE. I DID HAVE SURGERY AND WAS OUT OF WORK FOR 3 MONTHS. NTA PAID ME THE SHORT TERM DISIBILITY THAT I WAS DUE BUT DENIED THE ACCIDENT CLAIM STATING THAT I DID NOT GO TO THE DOCTOR WITHIN THREE DAYS. HOWEVER, I DID GO BUT DR. ****** COULD NOT DETERMINE THAT I HAD TORN MY MENISCUS BECAUSE HE DID NOT PERFORM AN *** NOR IS HE AN ORTHOPEDIC DOCTOR. I'M DUE PAYMENT FOR MY VISIT TO THE EMERGENCY CARE. I SAW A MEDICAL PRACTITIONER AND WASN'T PAID AND I HAD THE *** AND 2 XRAYS AND WASN'T PAID FOR THAT CLAIM. ALSO THERE IS A SURGERY BENEFIT THAT I WAS NOT PAID FOR AND I FEEL I AM DUE THAT ALSO. I PROVIDED MY PAPERWORK TO NTA AND WAS STILL DENIED. THIS IS NOT FAIR AND HAS CAUSED ME MUCH STRESS! I'VE ATTACHED THE LETTER FROM DR. ****** EXPLAINING THE SITUATION.

  

  Business Response

  Date: 01/03/2025

  To Whom It May Concern: 

   

  Thank you for allowing me the opportunity to response on behalf of the company.

  The Horace ****************** has been in contact with our insured directly and working with our insured to resolve this matter.

  If you have any further questions, please contact me.

  Respectfully,

  ********* *******

  The Horace **** Companies

  ************

  ****************************************************************************

• Initial Complaint

  Date:09/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally file a complaint against NTA Life concerning an unresolved disability claim that I have been struggling with for multiple months. My claim pertains to complications of pregnancy, which are covered under full disability as per the policy terms.Initially, I filed a claim, which was met with multiple rejections despite the clear medical documentation provided. After persistent efforts, I initiated an appeal, during which NTA Life partially approved the claim and paid for a few days of my complication of pregnancy. However, subsequent to this partial approval, my further appeals were denied despite my policy clearly covering such complications.The specific issue revolves around my diagnosis of cholestasis during pregnancy, a condition acknowledged by my maternal fetal medicine specialist and OB. This condition necessitated an unplanned cesarean section, which is classified as a complication of pregnancy under my policy. Despite this clear medical diagnosis and the documentation provided, NTA Life initially accepted and then rejected the claim, citing the need for a follow-up appointment, which was already addressed.I have made several attempts to resolve this matter directly with NTA Life, providing all requested information and documentation. Unfortunately, their responses have been inconsistent and unsatisfactory, leading to further frustration and financial strain.I request your assistance in resolving this matter. I am seeking the full benefits entitled to me under my policy for the period of disability as documented.

  

  Business Response

  Date: 09/10/2024

  Dear *** or Madam:

  Thank you for your email.  We will respond directly to our Insured within the 14-calendar day timeframe provided.

  If you have any further questions in the meantime, please let us know.

  Sincerely,

  ***** **********

  The Horace ******************

  **************************************************************************** 

  

  Business Response

  Date: 09/12/2024

  Dear *** or Madam:

  Thank you for your email.  We will respond directly to our Insured within the 14-calendar day timeframe provided.

  If you have any further questions in the meantime, please let us know.

  Sincerely,

  ***** **********

  The Horace **** Companies

  **************************************************************************** 

  Customer Answer

  Date: 09/16/2024

  I am rejecting this response because:   I have not heard a direct response to my complaint. According to ***, I am awaiting a response from them but they have given me a timeframe that is past the response time for this. 

  Customer Answer

  Date: 11/19/2024

  I am writing to follow up on my recent complaint and address the missed 5-day response window. I sincerely apologize for not responding within the given timeframe, and I appreciate the opportunity to provide additional clarification.
  
  
  In the response I received from the business, they provided a timeline but did not adequately address my primary concern: why I was not awarded the full benefit under the terms of my contract. According to my understanding, my unplanned cesarean section should have been fully covered as stipulated in the contract. However, the company stated that my physicians statement was not sufficient and that I failed to provide proof of a follow-up visit after the surgery. Which is false. 
  
  
  This contradicts my physicians documentation, which specified a longer recovery time than the one month that was covered. Additionally, I made multiple attempts to seek clarification from the company about what additional documentation was required. I left voicemails and made several calls, but I did not receive any response. 
  

  

  Business Response

  Date: 11/21/2024

  Dir *** or Madam:

  Thank you for allowing me the opportunity to respond on behalf of the Company. The Horace **** Companies have been in contact with our Insured directly and will respond to the additional information requested directly to the Insured.

  If you have any further questions, please contact me.

   

  Sincerely,

  ********* *******

  The Horace **** Companies

  ************

  ****************************************************************************

• Initial Complaint

  Date:09/04/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had 3 life insurance policies that I signed for over 10 years ago when I worked in a school system. I left there and never received correspondence. *** notified me the policies had become a loan as of July 2024. I immediate contact and canceled the policies. One policy I was told was my husbands and he needed to contact them which we did. They said they cancelled the policy without any notification to either of us. We would like resolution for that policy to be paid the money value.

  

  Business Response

  Date: 09/20/2024

  We received a complaint from our insured and responded directly to her. Thank you.

  Customer Answer

  Date: 09/20/2024

  I am rejecting this response because:   I received no notification of cancellation of this policy. They reinstated the other policies which I paid. I was unaware of this policy due to the timeframe since I worked in the schoolsysytem. They contradict in paying for part of it but not notifying me of the other at any point.

  

  Business Response

  Date: 09/24/2024

  To whom it may concern,

  I am writing to you on behalf of the company regarding our client's concerns provided to the BBB on this matter. The company did receive our clients concerns directly, and we responded to her in full detail on August 26, 2024.

  Ms. ****** notified us that she received our response and that she engaged with legal representation. We will respond, as explained to Ms. ****** in our September 6th, 2024, email, that we thanked her for notifying us of this and will acknowledge receipt of any additional communications or inquiries received from her legal representative and work with them directly on her behalf once we have receipt of said inquiry and verification that they are her legal representative. 

  To date of this response to the BBB, the Company has not received any additional communications from Ms. ****** or her legal representative. 

  If you have any further questions, please let us know.

  Thank you,

  Consumer Affairs 

  The Horace ******************

  ****************************************************************************

  Customer Answer

  Date: 09/27/2024

  I am rejecting this response because:   I advised I had consulted with my attorney and they provided me with directions . They cannot terminate without notification 

• Initial Complaint

  Date:07/12/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NTA Life in ******* ***** will not cancel my policy. They have informed me to send them a signed letter to request cancellation. I did that on 5/19/2025. They have not canceled my subscription and I have been charged 4 additional times. They will not respond to any of my requests.

  

  Business Response

  Date: 07/12/2024

  Thank you for bringing this to our attention. We are reviewing this matter and will work directly with the client to resolve the matter due to Privacy. 

  Customer Answer

  Date: 07/12/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:06/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is SCAM! I have been trying to contact them for a month, using the phone the numbers provided on their website, but no one picks up. I went on their website and attempted to sign-in using the user name and password I used when I signed up, but I was unsuccessful. I also tried looking up my username and password, but after I put in the information they required, it stated that my "Username retretrevial was NOT successful. We could not identify your user name give the information provided." I DO NOT UNDERSTAND WHY THEY THEY CANNOT RETREIVE MY INFORMATION, BECAUSE THEY DRFT THE PAYPENT FEOM MY ACCOUNT EVER 2 WEEKS. I m requesting all of the payments I made, because you'll are and SCAM and you'll are unreachable.

  

  Business Response

  Date: 07/02/2024

  Thank you for notifying us of these concerns. Due to privacy related matters and other protected personal information that *** be included in our findings, we will respond to the client directly within 5 business days of the date of this notice.

• Initial Complaint

  Date:05/31/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Paid for a cancer policy with a specified disease rider...became stricken with disease and now 6 months later they refuse to pay out...all my paperwork is on file and in order...they continue to make up paperwork that doesn't exist to avoid paying...on your site I see several others saying the same thing.. lets take these ******* DOWN....

  

  Business Response

  Date: 06/07/2024

  Thank you for notifying us of the concerns. We will respond to the customer directly as the response may include personal and private information and do not share these with external entities due to Privacy. Please note the contact email for NTA has been updated to ********************************************** as of January 1, 2024. 

• Initial Complaint

  Date:12/18/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for benefits with NTA Life / Horace **** company a few years ago. It was provided via a representative of the National ******************* as I was a union member (Duval ************************ I am no longer a member and so I switched my insurance back to Duval County Public Schools benefits program. I contacted *** back in the middle of Oct, to cancel my benefits with ***. *** sent me an email on 10/16/23 that said I had to complete the cancellation form that was in the email, sign it and send it back. I waited until 11/16/23 to send it back because it was my understanding based on this info in the letter:I understand that my coverage termination date will be my current paid to date on the policy and after the termination date, I will no longer have coverage. My policy renewal date was Jan 1st. They responded on 11/16/23 that they received it but now I had to complete another form to cancel it, and that after they received that form, that it would take 60 days to cancel. They supposedly sent it (yes, to the correct address, I checked). I waited, but did not receive it, and I reached out on 11/28/23 to let them know that I did not receive it. No response and I emailed again on the 11/30/23 asking if they received my previous email, NO RESPONSE. I called around 12/2/23 and spoke to a gentleman who was very apologetic and asked him to please email me the form so I could get this form completed as every day that they stall, is costing me more money. He said he would expedite my request and email it to me. I then received an email on 12/7/233 stating that on 12/2/23 that they resent the form via ***** I received a letter in the mail NOT EMAIL, and surprise surprise the form was not attached as the letter said, instead I received 2 copies of the cover letter. This is beyond ridiculous. This is costing me several hundred dollars. I am very frustrated and unhappy.

  

  Business Response

  Date: 12/29/2023

  BBB Complaint Response for ********************************, Policies A176399;C350954; H258624
  
  We received your 12/18/2023 notification of concerns from one of our Policyowners. They provided a statement to you indicating that they were unhappy with the handling of their cancellation request for their three Policies. Specifically, they state there was undue delay in receiving the necessary payroll form to stop premium deductions, resulting in excess premiums being paid.
  
  We received their written request to terminate these Policies on November 16, 2023. The payroll form needed to complete their termination request was processed on December 15, 2023, and a letter was sent this same day stating that all three Policies would terminate effective January 1, ****. This letter also states that any premium payments received after the termination request is processed will be refunded to the Policyowner.
  
  We have requested information from other departments to learn more about this situation and provide the Policyowner with a complete response to their concerns. However, due to the holiday season, we have not received this information and are unable to provide a full response within the 14-calendar day timeframe.
  
  We will be providing a written response directly to the Policyowner with a more detailed explanation regarding their Policy terminations once the necessary information is received from other departments.We regret any frustration this may cause.
  
  We appreciate the BBB bringing this matter to our attention and we hope to soon provide the Policyowner with a resolution to their concerns.