********* practice on funeral claims!!!

My husband passed away last year October. We had a family scheme benefit plan with AFB. I put in a claim for my late husband and AFB only paid out a portion of what is meant to be paid R20 000 at the time. I looked at my policy schedule again and realized there was a grocery benefit of R3000 and additional annual increase benefit of R6000. I had to be the one that queries this with AFB...not understanding why they didn't just pay what was due without me querying it first. It makes me wonder how many families lose out on these much needed monies due to the company not paying out what is needed and relying on the client themselves to state it. The way I see it its pure ********* practice. They are hoping the clients won't see it and never claim for it, therefore keeping the money for themselves. Whoever handles the claim must look at the clients schedule when processing the claim, and pay out what is due without having to be reminded!