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Dear Mr. Norman Carlo Toledo, I am writing to submit my written explanation regarding my absence from work on January 30, 2026, which was considered an unapproved leave. On that date, I was unable to report to work due to a birthday trip that was already planned and discussed since last December and could not be canceled. I was not able to secure prior approval for my leave because I had an absence last December. We had an agreement that if there is absenteeism in the previous month, the vacation leave for the next month will be declined. Despite this, I still pushed through with my vacation plans, and I acknowledge that this resulted in a violation of the company’s Attendance Policy. I sincerely apologize for not following the proper leave approval process. I understand that my absence may have caused inconvenience to the company, and I take full responsibility for my actions. I assure management that I will strictly comply with company policies, especially regarding attendance and leave filing. I will make sure to properly communicate and secure approval in advance to avoid a similar situation in the future. I respectfully ask for your kind consideration of this explanation. Thank you for allowing me the opportunity to explain my side.
If customer wants to send payment overnight:
Franklin Madison Group ATTN: Cash Department 120 Brentwood Commons Way, Suite 700 Brentwood, TN 37027
Send PAPERWORK to:
Franklin Madison Group Plan Administrator P.O. Box 689070 Franklin, TN 37068-9070
Payment Franklin Madison Group PO Box 11817 Newark, NJ 07101-8117
Enrollment Add: PO Box 41500 NASHVILLE, TN 37204-9715
Plan Administrator Claims P.O. Box 681749 Franklin, TN 37068-1749
fmclaimsintake@franklin-madison.com
By Fax: 888-778-4409
800-252-2148
SPANISH REP: 844-225-2974
Claims 844-399-9346
By Email: help@fmservice.com
https://dbsmypay.com/GC-services/index.php
https://hntpaappsv01.gcserv.com/login99.php
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https://hntpaappsv01.gcserv.com/index.php
BALTO: 1308503@intelogix.com Pass: FranklinMadisonBalto!
Lunch 3:00 - 28.05 Break 5:30 - 15 Lunch 7:30 - 29.30 Break 9:00 -
OT!!! ADD 50 100 200 250 300
HAP HOSP STAY: 900-450-337.5 ICU: 1800-900-450
IMoratalla/Pi ci regarding annual privacy notice practices.
-"the enclosed Privacy Policy is for informational purposes only and you do not need to take any action as a result of receiving it.".
What if I have other insurance?
“This insurance will pay all benefits due to a covered accident regardless of any other insurance you may have.”
I will be happy to help you better understand the benefits of this insurance plan.
WAUNA CREDIT UNION University Federal Credit Union (UFCU) Tinker Federal Credit Union (TFCU) Boeing Employees' Credit Union (BECU) Los Angeles Federal Credit Union (LAFCU) Philadelphia Federal Credit Union (PFCU) Educational Employees Credit Union (EECU) Randolph-Brooks Federal Credit Union (RBFCU)
PI DECEASED I am also going to suppress any future mailings.
SUPPRESSION “Yes, we can. I’ll take care of that now and it will take 30 to 60 days to process. Please disregard any solicitations you receive during that time. You can also be removed from all mailing lists by calling the Direct Marketing Association at 212-768-7277 and you can register your phone number with donotcall.gov.”
ELIGIBILITY PROCESSING Eligibility processing refers to a process verifying whether a member is eligible for coverage. Basic coverage would be cancelled if the customer could not be found on the client file sent for solicitation. The agent should confirm that the customer is still a member of that financial institution, their name and address, and then restore basic coverage (F20) which in turn will restore the customer’s benefits.
POA This change will take up to five business days after we receive the Power of Attorney documents.
REVIEWING OF LEGAL DEPARTMENT: 4-6 WEEKS UPON SENDING COMPLETE POA DOCS. UPLOADING OF POA FILE: WITHIN 5 BUSINESS DAYS FROM THE DAY THAT THEY SEND.
Written Request The correspondence should include: *Coverage ID *Action Requested *Name and Address *Financial Institution *Date and Signature *Telephone Number
CLAIMS CPO “Once we receive the completed claim forms and documents, we will process and send them to the carrier for adjudication. If any additional information is needed to process the claim, the carrier will reach out to the claimant directly. Please allow 7-14 business days for carrier decisioning once all required information is received.”
CLAIMS CALL BACK “I will request that a Claims Specialist call you. This normally takes one or two business days, and the call will be from 866-567-6996 or a number beginning with the area code 615.”
BILLING-PREPAYMENT “Please be advised if your premium has not been received and applied to your coverage before the due date, your premium may still be deducted from your account.”
WANT TO MAKE PAYMENT OVER THE PHONE You can make a payment on f m service dot com using a credit or debit card.
Or you can send a check to our office using the coupon at the bottom of the letter.
Please send your payment by the due date indicated on your letter.
CANCELLATION: “Please be advised because we are close to the next bill date and we may not be able to prevent the next billing. If you are billed again, please call Franklin Madison to request a refund.”
CHG OF BILMETH CLOSED TO BILL DATE If you're planning to change your account information, please be advsise that we are close to the next bill date. Make sure to put enough funds to your old account. If not possible, you will receive pdn and you can send your payment.
“We were unsuccessful in debiting your current premium. We will attempt to debit your account again on or around the 15th of the month. Please have funds available at this time to prevent cancellation of your insurance.”
CHANGE THE ACCOUNT I can email you a form or you can go to fm service dot com and change it there using a debit or credit card.
The new payment information you provide on fm service dot com will be updated within twenty four hours.
LTR4CXL letter.
“I can send a letter to the primary insured to sign and return to Franklin Madison authorizing the cancellation. This letter will arrive in 5 to 10 business days. (Primary Insured) should complete the letter and return it to us and the cancellation will be processed at that time.”
CLAIMS:
RECUP/HAP After you file a claim, the carrier will make a decision to approve or deny your claim. If the carrier approves your claim, your benefits will be paid in one lump sum after the covered hospital stay and you are discharged from the hospital.
ADD After you file a claim, the carrier will make a decision to approve or deny your claim. If the carrier approves the claim, the insured person or beneficiary will be paid within 60 days of receiving complete proof of loss.”
Are on-the-job accidents covered? “Yes. Your coverage is effective 24 hours a day, anywhere in the world.”
REASON WHY WE DON'T RELEASE CARD/ COPY OF POLICY For HAP/RECUP/
We dont release a card for this policy because the benefits will not be given to the hospital or health care provider. It will directly be paid to you and you can use the benefits for anything you need.
Do I have to use the cash benefits to pay medical bills? You can use your benefit payment for medical, family or personal expenses of any kind – or spend it in any way you want, for anything you need.”
MARKETING What if I have other insurance? This insurance will pay all cash benefits due to a covered accident or sickness regardless of any other insurance you may have.”
ADD "BENEFICIARY" You can name anyone and as many beneficiaries as you would like. (This could be family members or friends, a church, charity or other organization) by either writing your additional beneficiaries on the back of your enrollment form, or adding an additional piece of paper to the envelope when you mail in your enrollment.
FOR OTHER CARRIERS: BENEFICIARY “For privacy reasons, you can tell me who you believe is the beneficiary and I would be glad to confirm that information for you.”
I can email you a form or you can go to Fm service dot com and create a log in to access your policy information.
On Fm service dot com, you can add, edit, and remove beneficiaries.
You can also see your policy information, make a payment, and do other things as well.
MNL: BENEFICIARY “The beneficiaries I see are (read names of beneficiaries). However, I do see that there are (number) additional beneficiaries listed in which I cannot see their names. Let me go ahead and send you a letter which lists all of your beneficiaries.”
Franklin Madison Group is the administrator for the insurance offered to you through your credit union. We collect the insurance premiums on behalf of your insurance company, the collected premium is remitted to the insurance company to provide your coverage.
OVER DRAFT FEE
“You may want to contact your financial institution since overdraft fees are charged at their discretion.”
If premium is not paid, the result is a lapse in coverage and/or termination of the insurance
DID NOT RCV PDN TO UPDATE ACH a Change of Account Form was sent to you by email, (date), the form has not been returned to our office for processing. There are two options available to change the account from which your premiums are billed; 1. completing and returning the Change of Account Form; or 2. online at fmservice.com - please note a one-time payment to a different account does not provide us authorization to bill that account for further premium debits; a person must authorize future billing after making a payment.
DON'T REMEMBER SIGN-ING UP In review of your insurance file, we have reviewed your Activation Form wherein you selected a coverage amount, designated a beneficiary, and by signing the form authorized the quarterly premium billing. Upon receipt of your completed Activation Form, your enrollment was processed.
WHAT HAPPEN TO PAYMENTS COLLECTED? Your coverage was a guaranteed-issue product, with no underwriting and no termination due to age. The product is designed to provide protection for each premium period paid. At the end of each period, the paid premiums are fully earned and no longer eligible to be refunded.
PRODSYS: CSINT0031 Franklin8 ENTY LOG IN: 1308503 Bffnikki@1414 LIVEVOX: 1308503 Livevox2025? PROXY: Address:152.162.231.210 Port:8088
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APP
I want to verify that you have the Accidental Protection Plan.
This plan insures you (and your family) for loss of life due to a covered injury.
You currently have ($XX,XXX) of common carrier coverage at a cost of ($XX.XX) per (Month/Quarter) and the next payment is due on (Premium Due Date).
JAN 1 FEB 2 MAR 3 APR 4 MAY 5 JUN 6 JUL 7 AUG 8 SEP 9 OCT 10 NOV 11 DEC 12
IRISH & NOR?
=1 =1
FAMILY: FAMILY:
MOM MAMA
DAD PAPA
MAMA JUAN
ELMER RYAN
LOLO RUDOLPH
LOLA TITO DUDZ
TITO JUN+3 TITA IRENE
CLAIRE GEOX
TITA WHENG GEOFF
TITA WENG HANNA
TITA ROSE JULEAN
TITA VIRGIE =12
=17
BRIDESMAID: GROOMSMEN:
AGATHA(MAID OF HONOR) CHRISTIAN
MANILIE NIKKO
WHENG KYIEL
BEVERLY AMON
MARY ANN DAVE
=5 =5
NINANG: NINONG: MA.LUZ BAGO ARMAN BAGO ANNADEL GASCON NAPOLEON GASCON MICHELITA CABALTERA RAMIL CABALTERA JOY BELMONTE RINGOSTAR BELMONTE JULIA GUY JUDE BAIRON =5 =5
GUESTS: IRISH & NOR?
BEL JERIC
EM CLAIRE
DARIEL LOURDES
ARA PINANG
MICAH JADE MEAN
Nikki
mike