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Senate Bill Could Roll Back Consumers’ Health Insurance Savings

A recently introduced Senate bill could limit rebates insurers are slated to pay to consumers.

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This summer, health insurance companies may have to pay more than a billion dollars back to their own customers. The rebate requirements were introduced as part of the 2010 health-care reform law and are meant to benefit consumers. But now an insurer-supported Senate bill aims to roll back the rebate requirements.

Known as the medical loss ratio rule, it’s actually pretty simple. Under the health-care law provision, 80 to 85 cents of every dollar insurers collect in premiums must be spent on medical care or activities that improve the quality of that care. If not, they must send their customers a rebate for the difference. The goal, according to the Department of Health and Human Services, is to limit the money insurers spend on administrative costs and profit.

“It essentially ensures that consumers receive value for every dollar they spend on health care,” HHS spokesman Brian Chiglinsky told ProPublica.

Last month, Sen. Mary Landrieu, D-La., introduced a bill that would change what costs companies can include in the 15 to 20 percent they are allotted for overhead, salaries and marketing. The bill, similar to a House bill introduced in March 2011 that has yet to come up for a vote, focuses on payments to insurance agents and brokers. Traditionally, these commissions are bundled into the administrative costs when making the final calculation. But insurance regulators have argued that fees paid to insurance agents and brokers shouldn’t count.

Such a change could mean big savings for insurance companies — and much smaller rebates for consumers.

This is the first year that companies are required to send out rebates. According to a report by state insurance commissioners, if rebates had been handed out last year, insurers would have had to pay consumers almost $2 billion. If they had carved out the broker fees, as proposed in the two current bills, consumers would have gotten only about $800 million.

Landrieu’s office did not immediately respond to our call for comment.

“[The bills] would water down the standard to a point where it becomes ineffective,” said Sondra Roberto, a spokeswoman for the nonprofit advocacy group Consumers Union. The group, which also publishes Consumer Reports, recently urged members to oppose the bill.

The rebates have gotten relatively modest attention. Only 38 percent of the public is even aware of the rule’s existence, according to a Kaiser poll.

Insurance companies have supported the two bills, claiming that the rebate rule, as it stands now, stifles jobs and actually drives up insurance premiums. A 2011 government report found that most insurance companies were, in fact, lowering their premiums to meet the requirements, as the administration had hoped.

While most insurance companies hit the 80 to 85 percent target, the few that didn’t may be required to send out rebates this year.

"Some insurance companies pay an inordinate amount, as much as 40 percent, on administration and profit and not health care," Roberto said.

The rules on rebates differ slightly depending on whether the insurance comes from a large-group plan (employers with more than 100 employees), or a small-group or individual plan. In each case, insurance companies will be required to make all their costs publicly available so consumers can see how their premium dollars are spent.

The government granted insurance companies in seven states extra time to meet the requirements. Insurers that serve states with more rural populations, for example, tend to have higher overhead costs and cannot meet the requirement as easily, according to Eric Fader, a New York health-care lawyer. But the government decided that for all other states, enforcing the requirement wouldn't pose any risk to the market, and that the federal government didn’t “need to coddle an inefficient insurance company,” Fader said.

Barry Schmittou

March 16, 2012, 11:36 a.m.

The Obama administration refuses to prosecute the insurance companies that rig bids to increase sales of these same policies and also ignore life threatening medical conditions when patients file claims on these policies !

The following website shows quotes from numerous Federal Judges who wrote that Doctors’ paid by MetLife ignore Multiple Sclerosis, brain lesions, and cancer and cardiac conditions of many patients. 

The Judges quotes are seen at this website, please read this entire index before clicking on links :

http://www.deadlyorganizedcrimes.blogspot.com

MetLife’s attorneys also lie in multiple courts if the patient lives to have their case heard. Pease see the Federal Judges quotes at :

http://www.lawyerslyingincourt.blogspot.com

(Evidence of bid rigging to increase sales of these policies, huge contributions to Obama, and additional violations begin three sentences below)

When I asked the Court to stop MetLife from ignoring medical conditions U.S. Magistrate Judge Bryant wrote to me saying I have “more than sufficiently alleged fraudulent abuse”

Judge Bryant also wrote that the 6th Circuit Court of Appeals Judges’ wrote this about enforcing criminal laws in Health insurance claims that are regulated by U.S. title 29 :

“the enforcement of such provisions is the exclusive prerogative of the Attorney General”

The Attorney General and Secretary of Labor appointed and directed by Obama are very aware the patients can die while they wait for their case to get to Court and be resolved. They refuse to seek prosecution even though Obama said the following at the National Prayer meeting in February 2012 :

“When I talk about making sure insurance companies aren’t discriminating against those who are already sick I do it because I know that far too many neighbors in our country have been hurt and treated unfairly over the last few years, and I believe in God’s command to love thy neighbor as thyself. For me as a Christian, it also coincides with Jesus’s teaching to whom much is given much is expected”

This next website shows how MetLife Simultaneously Destroys 7 Laws Requiring Care, Skill, Diligence, Prudence and Safeguards!

http://www.sevenlawsviolated.blogspot.com

Letters I’ve received from Obama’s DOL Directors in Washington and Atlanta further prove Obama’s awareness and refusal to prosecute these deadly crimes :

The Atlanta Regional Director of the DOL EBSA wrote the following after reviewing the quotes where numerous Judges’ wrote that MetLife ignores life threatening medical conditions :

“Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law.”

(Written 12/10/2010 by DOL Regional Director RC Marshall)

On January 26, 2011 Department of Labor Director of Participant Response Ms. Sharon Watson sent a letter from Washington saying :

“As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”

Ms. Watson closed by saying :

“At this time, there is nothing more EBSA can do for you”

It took me four years to get the DOL to even acknowledge and respond to the evidence I submitted.

They responded when I placed a video on YouTube where the DOL agent repeatedly said “We can’t go against MetLife”.

Links at the following website prove MetLife and two of their executives gave Obama huge contributions. Then the two executives signed page five of the DOJ’s agreement where no one was prosecuted for rigging huge bids to sell the exact same policies where MetLife is ignoring their life threatening medical conditions when patients file claims. Please view Exhibit C of :

http://www.obamadrugmurdersconnection.blogspot.com

Additionally, the website above shows claimants are being endangered in multiple types of insurance !!

There’s also evidence of Obama protecting corporations that commit multiple crimes including Wachovia Bank Laundering $378 Billion for the murderous drug cartels and no one was prosecuted. That’s enough money to fund the entire Afghanistan war twice, and no one was prosecuted !!!!!! Please excuse the evidence running together, this has all been very difficult due to my right eye cancer and left eye surgery.

That’s about five percent of the evidence I’ve presented to Obama and his Directors, Republican Senator Grassley and leaders of both parties.

Both parties continue to ignore the deadly evidence while falsely proclaiming they are serving God as seen in the quotes I posted from Obama at the National Prayer meeting (seen above). Obama is willfully enabling the destruction of thousands of lives every year, while making speeches about “walking closer to God” and that’s why I continue to pray the real God of creation will help us all !

McCarran Ferguson is the law from 6 decades ago that ties the hands of the Fed to regulate/hold accountable the Insurance companies..Secondly, the Congress must change that NOT THE PRESIDENT!

Barry Schmittou

March 16, 2012, 1:03 p.m.

You are wrong JLT. As I stated above U.S. Magistrate Judge Bryant in Nashville wrote to me saying that the 6th Circuit Court of Appeals Judges’ made this ruling about enforcing criminal laws in Health insurance claims that are regulated by U.S. Title 29 :

“the enforcement of such provisions is the exclusive prerogative of the Attorney General”

JLT your quoting of a law from sixty years ago does not change the reality of Obama protecting mass manslaughter today !!

If you view the evidence in the links I’ve posted above you’ll see the Attorney General and Secretary of Labor appointed and directed by Obama are very aware the patients can die while they wait for their case to get to Court and be resolved. They refuse to seek prosecution even though Obama said the following at the National Prayer meeting in February 2012 :

“When I talk about making sure insurance companies aren’t discriminating against those who are already sick I do it because I know that far too many neighbors in our country have been hurt and treated unfairly over the last few years, and I believe in God’s command to love thy neighbor as thyself. For me as a Christian, it also coincides with Jesus’s teaching to whom much is given much is expected”

This also proves JLT is wrong in referencing a law from sixty years ago. The DOL EBSA Statement of Purpose seen on their website says this about the Secretary of Labor (who is appointed by Obama) having a duty to enforce the U.S. Title 29 health care laws known as ERISA :

“Under ERISA, the Secretary of Labor is responsible for protecting the rights and financial security of more that 150 million employee benefit plan participants and beneficiaries and for assuring the integrity and effective management of the private pension and welfare benefit system.”

I am often attacked by people who love Obama and I am sure some of them work for his administration. As seen in my first comment (and the attached links) Obama’s Directors are willfully allowing Doctors’ paid by MetLife to ignore Multiple Sclerosis, brain lesions, and cancer and cardiac conditions of many patients. The links above also prove MetLife rigged bids to increase sales of these polices while giving Obama huge contributions.

At the same time Obama was at the National Prayer meeting saying he is trying to “to walk closer with God.”

Any one else who comments in support of Obama’s protection of mass manslaughter should also explain why it’s okay for Obama’s Directors to willfully ignore so many laws including allowing Doctors’ paid by MetLife to ignore Multiple Sclerosis, brain lesions, and cancer and cardiac conditions of many patients.

There are so many false statements and distractions posted by Obama supporters I may not be able to respond to them all but the evidence linked in my first comment speaks for itself for anyone seeking the truth about Obama’s protection of deadly corporate crimes .

clarence swinney

March 16, 2012, 1:31 p.m.

Thanks Barry S. Good info. Facts
END OF EMPIRE???

.HOW CONSERVATIVES DESTROYED AMERICA
Ruined our great Savings and Loan Industry
Closed Fairness Doctrine that has allowed Mush Dimbaugh types on our public airwaves
Closed Revenue Sharing
Since 1980, initiated our involvement in 10 foreign conflicts
Repealed Glass Steagall—took deposits in 7000 banks and put 80% in (10) Too Big To Fail
Modernization of Commodities Market—from Investment to Casino Derivative Of America
2 very dumb invasions of two of most poor -most unarmed nations on earth=OIL OIL OIL
Ruined our International Reputation as a Do Good Christian nation to Big Bully Devil.
Stood by as Freak Marketeers ruined our Housing Industry.
Stood by as Casino Derivative of America ruined the World Financial Industry.
Impeached a Great President for petty political gains that created long term animosity between two parties.
Attempted to destroy Safety Nets that make America great middle class
Implemented Tax Codes that permitted redistribution of Wealth to top (10%)  who now own (73%) of all Net Wealth and (83%) of all Financial Wealth and take home (50%) of all individual income.
Today, they have taken America to ranking in oecd nations as (# 2) as Least Taxed—-(# 2) as least taxed corporations and horror horror (# 4) on Inequality from bottom 5 in 1980.
Since 1980, their Spend & Borrow policies are, mainly, responsible for adding 14,000 Billion to a 1000 Billion debt
Fought the great GI Bill.
Fought the WWII Draft
Installed strict laws which created 57 % of prison inmates on Marijuana use charges which make us lead the world in prison population.
Refuse to control the drug Beer.
There are many many more baddies.
CONCLUSION:::: WANT TO SEE END OF AN EMPIRE YIELD CONTROL TO
REPUBLICAN CONSERVATIVES AS WAS DONE IN 2001-2002-2003-2004-2005-2006.
SIX OF WORST YEARS IN OUR HISTORY. IMAGINE IF THEY HAD 12 YEARS???

Donald R. First

March 16, 2012, 1:39 p.m.

Barry Schmittou. Is this a gag? Are you for re Workes Comp is not part of Healthcare reform, never was? Met Life got out of Health insurance a eecade ago, I don’t believe the do WC. What the heck are you rambling about?

Barry Schmittou

March 16, 2012, 3:33 p.m.

Donald, your comment is an intentional distraction from Obama’s protection of MetLife and the deadly insurance company crimes that are committed in mutliple types of insurance. I never said MetLife was in Workers Comp. You also ignore the following facts :

The U.S. Title 29 Employee Retirement Income Security Act regulates employee benefit health plans for all the 150 million Americans who work for private businesses and corporations in America.

These laws govern Health Care, Disability, Long Term Care policies, and Life insurance.

My comment above has links that prove MetLife rigs bids to increase sales of ERISA policies while giving Obama huge contributions.

Here are some of the quotes the Judges have written about MetLife ignoring life threatening medical conditions when patients file claims on policies that are governed by ERISA :

U.S. District Judge Nancy Gertner won the Thurgood Marshall Award of the American Bar Association in 2008.

Here are three important quotes Judge Gertner wrote about Metlife:

“It misquoted Whitehouse’s doctors and cherry-picked or took out of context statements made. The denials continued to press factual inaccuracies even after being informed of the errors.”

“Perhaps most egregious of all, it misquotes Dr. Bhan as stating that Whitehouse “[was] able to function” AR 116 when, in fact, he said “she was not able to function.”

In the case of Wright verses Metlife U.S. Magistrate Judge Jennifer Guerm wrote :

“MetLife relied on clearly erroneous findings of fact in making its benefit determination. MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways. On October 18, 2004, Dr. Barnett wrote a letter to MetLife stating:
“I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition. Indeed, Mr. Wright has ongoing cardiac disease including ischemia and loss of function due to previous myocardial infarctions.”

MetLife also endangers psychological patients. In the case of Brenda Zanny, U.S. District Judge Richard Enslen wrote :

“Metlife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization. This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits.”

There are more Judges quotes seen at :

http://www.deadlyorganizedcrimes.blogspot.com

I was referred to a psychologist when I almost passed out twice because MetLife violated numerous laws while knowing that I had eye cancer and often had no money for medical treatment, food and housing.

Obama’s DOL Director’s requested evidence from me and they received an urgent letter from my psychologist where she wrote :

“It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. In light of the violations Metlife has committed against Mr. Schmittou and Metlife’s awareness of the additional harm caused him, Metlife’s actions seem irresponsible, inhumane, dangerous, and reckless”

You can see the full reports at : http://www.mypsychologistsreport.blogspot.com

As mentioned in my first two comments the Obama adminstration refuses to stop these deadly crimes even though the Court wrote to me in Court saying the Attorney General is the only one who has tyhe authority to stop this pattern of crimes ! And Obama’s Directors sent me letters from Washington telling me their “top priority” is enforcing these laws !

Anyone else who comments in support of Obama’s protection of mass manslaughter should also explain why it’s okay for Obama’s Directors to willfully ignore so many U.S. Title 29 laws including allowing Doctors’ paid by MetLife to ignore Multiple Sclerosis, brain lesions, and cancer and cardiac conditions of many patients.

It’s clear the Obama administration and his supporters hate to see the truth about Obama’s connection to mass manslaughter and bid rigging, combined with Obama’s protection of insurance company doctors who ignore life threatening medical conditions on the claims that were sold by rigging bids !!

It’s very difficult to tell what your talking about , beacuse you are all over the place on this. I do have personal experience with Met life on a Disability claim for my spouse and had no issues whatsoever. There are not a lot of people with LTD or carriers for that matter in the market.  However there are a number of attorneys who do Social Security work and charge a small fee that is usually refunded by the LTD carrier if approved.  Have these people applied for and procured coverage thru Social Security? If not why not,  I personall know 3 people who were approved on their fhirst attempt.

Your rambling statements have nothing to do with the topic being discussed in the article.

Barry Schmittou

March 16, 2012, 4:19 p.m.

Donald it’s obvious many people have had problems with MetLife as proven by the quotes from U.S. Judges seen above and at the website linked above. The DOJ documents that are linked also prove MetLife rigged bids to increase sales of these policies.

You responded to my post in twelve minutes. There is no way you could have competently reviewed the evidence that has taken me painful years to compile. Additionally your first comment was completely untrue. I never said MetLife was in Workers Comp.

I also believe this is related to this article, because the policies that are the subject of this article are also governed by the ERISA laws that Obama does not enforce regarding metLife and other insurers.

You talk about how MetLife treated your family fine while at the same time you ignore quotes from numerous Judges that prove MetLife ignores Multiple Sclerosis, brian lesions, and cardiac and cancer conditions of many patients. Just look at the Judges quotes in my last comment above !!

There is also no way you could have read the quotes where my psychologist wrote that MetLife seemed reckless, careless, inhumane and dangerous when they had three doctors ignore medical evidence of my eye cancer.

Your comments help Obama protect MetLife as they continue to destroy more lives !! I have only responded to you and JLT because I want other readers to know that Obama protects insurance companies who are destroying so many lives, while also protecting banks that launder $378 billion for the Mexican drug cartels. He is doing this while talking about stopping these exact same crimes at the National prayer meeting and talking about “walking closer to God”

I, the first stop should be the insurance department, what did they say?
2. I dont think anyone feels a physcologist is a good witness for Medical claims
3. Obama has nothing to do with this,
4. There is no Bid rigging on LTD. It’s a very limited and specialized market.

Barry, stop ranting!

What I want to know is this: how in my individual insurance policy, applying a cost to my deductible, get figured into the 80-85% that must be spent for medical care? And why did my premiums go up again??

Peter, a number of factors affect your rates. First off you should expect your rates to increase 7-10% a year. Then there is your underlying plan.  Preventive care has an impact , based on your Ded uctible and the premiums should rise based on the fact that your maximum has changed. In 2014 expect some real wild swings though based on your age.

I think we can all agree that the Senate should not pass this bill, regardless of who is ultimately responsible for what.

There are problems with the MLR, but nobody takes the time to sit down and review the issues and make reasonable requests for adjusting it. It really isn’t necessary on large groups once you get over 250 employees. Most of them are self-insured. Indivjidual business and HSA plans should also be at 75%. The carriers are using this as an excuse to cut back on commissions paid to brokers. I have spent most of my life working on large group insurance plans. Befjore the managed care craze. We used to sell based on the lowest expense factor

Cynthia Williams

March 16, 2012, 7 p.m.

@Barry S

It is obvious that you have a personal gripe against someone. Maybe, it would be helpful to get your point across better if you use reliable sources for your references instead of some bloggers opinions, which, may or may not be true. Every reference you have listed is a blog.

Barry Schmittou

March 16, 2012, 8:23 p.m.

After making multiple false statements commenter Donald First finally admits “I have spent most of my life working on large group insurance plans”

Donald has selectively ignored the fact that numerous Federal Judges wrote that MetLife ignores life threatening medical conditions including Multiple Sclerosis, brain lesions and cancer and cardiac conditions of many patients.

The quotes are posted at : http://www.deadlyorganizedcrimes.blogspot.com

One of Donald’s false statements is his quote to me above where he said “There are not a lot of people with LTD or carriers for that matter in the market”

Here’s evidence that proves he is so wrong he must know it. I filed this in Federal Court in 2007 :

“Metlife sells 1.5 billion dollars in disability policies to 3.5 million employees at over 10,000 companies nationwide (as reported on Metlife’s website)”

MetLife is not even the top seller of disability policies in the U.S., so it is very false for Donald to say “There are not a lot of people with LTD or carriers for that matter in the market”

Another false statement from Donald is ‘Obama has nothing to do with this”

Obama has a great responsibility for stopping these crimes. He appointed the DOL Directors who wrote to me from Washington saying “Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law.”

Department of Labor Director of Participant Response Ms. Sharon Watson sent a letter from Washington in 2010 saying :

“As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”

Ms. Watson closed by saying :
“At this time, there is nothing more EBSA can do for you”

After this response I have been so assertive in presenting evidence I am certain Obama and his top Directors are very aware of the extreme destruction of lives my evidence proves.

Donald asks me irrelevant questions while also ignoring the fact that MetLife’s attorneys also lie in multiple courts if the patient lives to have their case heard. Please see :

http://www.lawyerslyingincourt.blogspot.com

When I asked the Court to stop MetLife from ignoring medical conditions U.S. Magistrate Judge Bryant wrote this about enforcing criminal laws in Health insurance claims that are regulated by U.S. title 29 :

“the enforcement of such provisions is the exclusive prerogative of the Attorney General”

The Attorney General and Secretary of Labor appointed and directed by Obama refuse to seek prosecution even though Obama said the following at the lNational Prayer meeting :

“When I talk about making sure insurance companies aren’t discriminating against those who are already sick I do it because I know that far too many neighbors in our country have been hurt and treated unfairly over the last few years, and I believe in God’s command to love thy neighbor as thyself. For me as a Christian, it also coincides with Jesus’s teaching to whom much is given much is expected”

Obama protects MetLife Simultaneously Destroying 7 Laws Requiring Care, Skill, Diligence, Prudence and Safeguards! Please see :

http://www.sevenlawsviolated.blogspot.com

MetLife completely ignored my Long term claims for eye cancer and disability for 6 years even after they read the following quote I filed with the U.S. Court in Nashville :

“the Plaintiff who has had cancer removed from his eye and leg and over 200 biopsies plus stitches in 100 places has no money for follow up treatment.”

Metlife’s policy says they will help you with early intervention, vocational help, and help you file for Social Securiry disability but they did not help me with any of that.

Their continuous violations of law caused such a disruption in my life there was no way I could also have surgeries and file for Social Security and Medicare !

Anyone interested in stopping the deadly insurance company crimes that Obama is protecting please remember this when Donald’s false comments distract from the real evidence:
 
Donald wrote “I have spent most of my life working on large group insurance plans”

Donald did not mention that MetLife and two of their executives gave Obama huge contributions. Then the two executives signed page five of the DOJ’s agreement where no one was prosecuted for rigging huge bids to sell the exact same policies where MetLife is ignoring their life threatening medical conditions when patients file claims. For that evidence please view Exhibit C at the bottom of :
 
http://www.obamadrugmurdersconnection.blogspot.com

My eye cancer has made it difficult to document all of this and I only do it because I hope to stop more lives from being destroyed by Obama and the leaders of both parties and the corporations who own their souls.

Barry Schmittou

March 16, 2012, 8:48 p.m.

Thank you for your suggestion Cynthia. I am working on a better summary but there is so much evidence and my vision problems cause me difficulties, falls and accidents, and pain when I type. I am trying to stop the destruction of many lives, so I have much more than a gripe.

The blogs I’ve referenced are evidence I’ve posted and evidence I’ve filed in Federal Court.

ProPublica’s T. Christian Miller sent me a thank you for helping a witness to come forward for a story about AIG endangering the life of an injured war Zone Contractor.

ProPublica and many readers know my evidence is true. I cannot post the full cases because ProPublica limits comments to 5,000 characters. If you google search the names of the cases (such as MetLife and Zanny) you will find many of the full cases online.

I mainly post because I hope someday ProPublica or PBS will cover this story and Obama will be embarrassed into stopping these crimes.

Meanwhile here are quotes from four Professors that prove the destruction of lives caused by the DOL and DOJ’s protection of health insurance company crimes :

Professor Joseph Belth from Indiana University wrote :

“They’ve turned Erisa on its head,”  “It was supposed to protect employees, and it’s being used to protect insurers.”

“The most important federal insurance regulation of the past generation is ERISA,” says Tom Baker, deputy dean of the University of Pennsylvania Law School in Philadelphia. “If ever a law backfired for the public, ERISA is the perfect example.”

John Marshall Law School Professor Mark Debofsky wrote:

“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound.”

(ERISA is the U.S. Title 29 Employee Retirement Income Security Act which regulates employee benefit health plans of all the 150 million Americans who work for private businesses and corporations in America)

Here are quotes from Aaron Doyle, a professor of sociology and criminology at Carleton University in Ottawa :

“What those numbers don’t measure is the trauma survivors like Jane Pierce face when wrongfully denied, says “Most survivors don’t have the stamina and knowledge to file a lawsuit, says Doyle, who has spent a decade interviewing life insurance customers, employees and regulators in the U.S. and Canada.

I hope everyone reading this will please remember that my comment before this one discusses commenter Donald First making multiple false statements and selectively omitting discussion of evidence of insurance company crimes then later writing “I have spent most of my life working on large group insurance plans”

Whatever Forever

March 16, 2012, 8:54 p.m.

Let me get this straight. The insurance companies are threatening that this legislation will drive up premiums as they have graciously been decreasing them despite my 35% per year hikes. It would seem that if they are boosting premiums simply to line their pockets, perish the thought, the excess would be refunded back to the policy holders based on the medical loss ratio rule. Thus, premium increases would seem to be a scare tactic and of little import. Under the proposal, their profits are fixed at below 15-20%.

Let’s keep it that way. Actually, let’s decrease it to 0-5% and drive them out of business. Consider that the massive profits registered by health insurance companies could all be directed back into health care , if a single, not-for-profit provider existed. This is a no-brainer. Who needs the scumbags besides the scumbag politicians who are in their pockets.

Write your senator like I did. On the other hand, I realize full well that this will do nothing as senators and the like are self-serving miscreants who are heavily invested using insider information. The fact is that you can’t vote them out because they’re all the same. So bend over we’re about to be screwed over again…

Barry Schmittou

March 16, 2012, 9:19 p.m.

Hi again Cynthia,

Here’s the only link to evidence that’s short enough to post now.

The 6th sentence below has a link to a DOJ document that proves MetLife rigged bids to increase sales of ERISA policies. Please remember they ignore life threatening medical conditions when patients file claims on these policies as seen in the Judges quotes I’ve posted at : http://www.deadlyorganizedcrimes.blogspot.com

Metlife Executive Vice President James Lipscomb gave President Obama $30,000 for his victory party. Please scroll down 1/3 page and look on the left side for the $30,000 contribution :

http://www.campaignmoney.com/political/contributions/james-lipscomb.asp?cycle=08

Non Prosecution Agreement signed by same MetLife VP !!

On Page five of MetLife’s third Non Prosecution agreement you will see the signature of Mr. James Lipscomb :

http://www.gibsondunn.com/publications/Documents/metlife.pdf

There are actually two page fives on the DOJ PDF document and Lipscomb signed the second page five.

MetLife spent $41 Million dollars lobbying over the last ten years !! Link To Lobbying totals :

http://www.opensecrets.org/lobby/clientsum.php?lname=MetLife Inc

Attorney Bruce Yannett of Debevoise & Plimpton LLP/Attorney also signed metLife’s Third Non Prosecution agreement. His name and Debevoise & Plimpton LLP were listed as being counsel for MetLife.

Here is a link to 19 pages that prove hundreds of thousands of dollars that Debevoise & Plimpton gave to Obama in 2008 :

http://www.campaignmoney.com/advanced.asp?searchtype=contributors&cycle1=08&lname;=&fname;=&work=Debevoise+&+Plimpton+LLP/Attorney&occup;=&zipcodes;=&fdate;=&tdate;=&state;=&cycle2=10&cmtetype;=&cmtename;=&cmteorg;=&igc;=&cmteparty;=&cycle3=08&cndoffice;=&cndtype;=&cndlname=obama&cndfname;=&cndstate;=&cndparty;=&orderby;=

Here is a link to $2,500 Bruce Yannett gave Obama in 2008

http://www.campaignmoney.com/advanced.asp?searchtype=contributors&cycle1=08&lname=yannett&fname=bruce&work=Debevoise+&+Plimpton+LLP/Attorney&occup;=&zipcodes;=&fdate;=&tdate;=&state;=&cycle2=10&cmtetype;=&cmtename;=&cmteorg;=&igc;=&cmteparty;=&cycle3=10&cndoffice;=&cndtype;=&cndlname;=&cndfname;=&cndstate;=&cndparty;=&orderby;=

There are many more MetLife contributions to Obama and others linked in Exhibit C of :

http://www.obamadrugmurdersconnection.blogspot.com

Barry Schmittou

March 16, 2012, 9:50 p.m.

Hi again Cynthia,

I have links to DOJ documents regarding MetLife’s rigging of ERISA bids. They are seen in Exhibit C that is near the end of :

obamadrugmurdersconnection.blogspot.com

You will need to paste that in your address bar or link that in my second comment above because ProPublica just held my comment with the full link for moderation, which they do sometimes.

As you read the DOJ agreement regarding MetLife’s bid rigging of ERISA policies and MetLife exectives giving Obama huge contributions and then signing the DOJ agreement where no one at MetLife was prosecuted please remember the rigged ERISA bids defintely include disability policies. John Marshall Law School Professor Mark Debofsky wrote:

“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound.”

Please remember insurance expert Donald First made another false statment when he wrote above “There is no Bid rigging on LTD. It’s a very limited and specialized market”

Please rememeber no matter what Donald First says many lives are destroyed because Obama and Bush protected wealthy insurance companies that ignore life threatening medical conditions in multiple types of insurance.

Here are quotes from a ProPublica article about identical violations occurring in many other cases :

“CNA withheld portions of the investigators’ findings when it submitted the claims to the Labor Department, court records show.”

“CNA’s failure to pay out benefits underscores the continuing problems with the Defense Base Act, essentially the workers compensation system for overseas federal contractors.”

“Workers fought long battles for medical care, including such things as prosthetic devices and treatment for post-traumatic stress disorder. The Labor Department seldom took action to enforce the law. Labor officials can recommend cases for prosecution to the Justice Department–but have only done so once in the past two decades, according to Labor officials.”

(end of ProPublica quotes)

Stephanie Palmer

March 17, 2012, 4:17 a.m.

I think we would all like to know which insurance companies did not hit the 80-85% mark. Why haven’t you published their names.  Why would any legislator introduce a bill alleviating them of that responsibility? Another giveaway for big business. The companies who denied essential services should not only pay back the money collected, their officers should be imprisoned.  Basically, these are private companies, and they will do whatever they can to make profits. Our Congress should be ashamed that they refused to pass universal health care. Our Congress needs to be replaced. Goldman Sachs may stink, but the insurance companies deal with lives.

Barry , Take you meds and call it a day. Your complaints are relevent to the subject matter. I asked you 2 questions and I still do not have an answer from you.  The first line is the state insurance department. What did they say? Answer that or go home.

Donald First

March 17, 2012, 8 a.m.

Stephanie, it’s by State. It’s not the carriers who are complaining it’s the Brokers. Their commissions have been reduced.

Whatever Forever

March 17, 2012, 2:25 p.m.

@Donald: You’re not credible and a self-centerd distraction.
@Barry: Your illness has left you obsessed and closed-minded

Being called not credible by someone who doesn’t provide their real name is comical, Regardless, I have tried to give people straight answers from someone who has worked in the Industry

Barry Schmittou

March 17, 2012, 8:13 p.m.

Hi Whatever Forever,

You are right. I am very obsessed in stopping the destruction of thousands of lives. I have had some limited success and been thanked by very sick people I’ve helped.

I also filed an ethics complaint on State Senator John Ford that led to his conviction for illegally taking $800,000 from our State Medicaid program during a time that many people were having their insurance cancelled due to a lack of money. There was so much media coverage I had people I did not know hugging me on the street when that happened. If there is ever justice regarding Obama and Bush protecting deadly corporate crimes many who are fighting injustice will be appreciated. Until then I will accept whatever opinion people have of me, and since I believe in God he is the only one who really matters, but I do hope to be as kind and loving as I can to everyone. PTSD makes that a challenge, but I’m working hard on that.

My mind is set because the evidence is true and overwhelming. In addition to all the Judges quotes I’ve compiled John Marshall Law School Professor Mark Debofsky wrote:

“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound.”

(Quotes from more Professors seen above)

I believe we should have a decisive mind and take action when we are sure of injustices.

I hope I do not have a closed mind in a bad way but I will think about that. I desire to never exclude thoughts and opinions unless they are completely and obviously false.

I have painfully compiled volumes of evidence, and if you take time to look at the websites in my first comment I would hope you see the U.S. government seems to be a criminal organization.

If you look at the videos and transcripts on Bill Moyers website you can see that every Friday night on PBS he has many people saying similar things about corporations illegally destroying our nation.

Barry Schmittou

March 17, 2012, 8:48 p.m.

Donald you are hateful for saying “Take you meds and call it a day”.
 
You claim to be an insurance professional.

You lied when you said “There is no Bid rigging on LTD. It’s a very limited and specialized market”

Here is a link to the DOJ document where MetLife admitted rigging bids :

http://www.gibsondunn.com/publications/Documents/metlife.pdf

On page A-1 you’ll see where this involves life, health and disability benefits. On page A-2 you’ll see the following quote :

“During the bidding process and on certain cases, MetLife received information from Brokerage A on MetLife’s initial bid so MetLife could revise its bid downwards and to compete and become the lowest bid”

Donald, you also lied when you wrote “There are not a lot of people with LTD or carriers for that matter in the market”

That is so wrong you must know it. Here’s a quote from MetLife’s website that proves you are very wrong. I filed this in Federal Court in 2007 :

“Metlife sells 1.5 billion dollars in disability policies to 3.5 million employees at over 10,000 companies nationwide (as reported on Metlife’s website)”

It is very false for Donald to say “There are not a lot of people with LTD or carriers for that matter in the market”

Donald’s lies and distractions fit in perfectly with the following quotes that Judges wrote about MetLife :

In the case of Jagielski v. MetLife U.S. District Judge Arthur J. Schwab wrote :

“In light of counsel for MetLife’s repeated and flagrant obfuscation, smoke screens and “clever” couching of its statements of fact, it is ironic, to say the very least, that MetLife’s brief in opposition to plaintiff’s motion for summary judgment accuses plaintiff repeatedly of “lack of candor and attempts to mislead the Court.”

In the case of Wright verses Metlife U.S. Magistrate Judge Jennifer Guerm wrote :

“MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways.

U.S. District Judge Honorable Timothy Savage wrote this in the case of Jacquelyn Addis :

“MetLife relied almost exclusively upon the report of Dr. Gary Greenhood, an internist specializing in infectious diseases hired by MetLife, who did not examine Addis and did only a records review. Dr. Greenhood selectively viewed Addis’s medical records, and MetLife then selectively adopted parts of Dr. Greenhood’s report to support denial of the claim.”

Donald you are very selective in what you ignore and you obfuscate and distract with irrelevant questions.

In your last comment you said :

“I asked you 2 questions and I still do not have an answer from you.  The first line is the state insurance department. What did they say? Answer that or go home.”

You know this is a Federal matter Donald !!

Federal laws regulate the U.S. Title 29 ERISA insurance plans that cover over 150 million Americans !!

Further proving this is a Federal matter, the DOL website says this about ERISA :

“the Secretary of Labor is responsible for protecting the rights of more that 150 million employee benefit plan participants and assuring the integrity and effective management ”

As seen in my first comment Obama’s DOL Directors have sent me multiple letters, further proving it is a Federal matter !!

I have responded to you because many people worldwide read ProPublica’s comment section. The blogs I post in the comments have been viewed by over seventy nations.

I’m certain many big businesses monitor the comments closely and use various deceptive measures to attack anyone who posts evidence that proves the businesses complete lack of conscience, just like MetLife and Obama and Bush exhibit.

I believe anyone who takes time to print and read my first comment, and view the associated links, will understand MetLife and other insurers are endangering many lives, and the Obama administration refuses to stop them !

Donald I would hate you for helping Obama, Bush, and MetLife destroy so many lives but I have learned that as a struggling Christian I must forgive you. I pray God will do something to help you have a change of conscience, and find love and mercy for God and your fellow man. I pray God will also stop you from making hateful attacks by saying things like"Take you meds and call it a day”.

Donald, anyone who is honest should understand that you have lied multiple times as seen above. I may choose to ignore any further comments from you, or just cut and paste your lies again as a response.

I did answer the irrelevant question you insisted that I answer. Now I have one for you. What agency regulates and/or requires licenses for you to be allowed to work on insurance policies and what is their contact information?

Barry Schmittou

March 17, 2012, 8:55 p.m.

Donald you are hateful for saying “Take you meds and call it a day”.
 
You claim to be an insurance professional.

You lied when you said “There is no Bid rigging on LTD. It’s a very limited and specialized market”

The DOJ document where MetLife admitted rigging bids can be seen by pasting this in your address bar :

gibsondunn.com/publications/Documents/metlife.pdf

On page A-1 you’ll see where this involves life, health and disability benefits. On page A-2 you’ll see the following quote :

“During the bidding process and on certain cases, MetLife received information from Brokerage A on MetLife’s initial bid so MetLife could revise its bid downwards and to compete and become the lowest bid”

Donald, you also lied when you wrote “There are not a lot of people with LTD or carriers for that matter in the market”

That is so wrong you must know it. Here’s a quote from MetLife’s website that proves you are very wrong. I filed this in Federal Court in 2007 :

“Metlife sells 1.5 billion dollars in disability policies to 3.5 million employees at over 10,000 companies nationwide (as reported on Metlife’s website)”

It is very false for Donald to say “There are not a lot of people with LTD or carriers for that matter in the market”

Donald’s lies and distractions fit in perfectly with the following quotes that Judges wrote about MetLife :

In the case of Jagielski v. MetLife U.S. District Judge Arthur J. Schwab wrote :

“In light of counsel for MetLife’s repeated and flagrant obfuscation, smoke screens and “clever” couching of its statements of fact, it is ironic, to say the very least, that MetLife’s brief in opposition to plaintiff’s motion for summary judgment accuses plaintiff repeatedly of “lack of candor and attempts to mislead the Court.”

In the case of Wright verses Metlife U.S. Magistrate Judge Jennifer Guerm wrote :

“MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways.

U.S. District Judge Honorable Timothy Savage wrote this in the case of Jacquelyn Addis :

“MetLife relied almost exclusively upon the report of Dr. Gary Greenhood, an internist specializing in infectious diseases hired by MetLife, who did not examine Addis and did only a records review. Dr. Greenhood selectively viewed Addis’s medical records, and MetLife then selectively adopted parts of Dr. Greenhood’s report to support denial of the claim.”

Donald you are very selective in what you ignore and you obfuscate and distract with irrelevant questions.

In your last comment you said :

“I asked you 2 questions and I still do not have an answer from you.  The first line is the state insurance department. What did they say? Answer that or go home.”

You know this is a Federal matter Donald !!

Federal laws regulate the U.S. Title 29 ERISA insurance plans that cover over 150 million Americans !!

Further proving this is a Federal matter, the DOL website says this about ERISA :

“the Secretary of Labor is responsible for protecting the rights of more that 150 million employee benefit plan participants and assuring the integrity and effective management ”

As seen in my first comment Obama’s DOL Directors have sent me multiple letters, further proving it is a Federal matter !!

I have responded to you because many people worldwide read ProPublica’s comment section. The blogs I post in the comments have been viewed by over seventy nations.

I’m certain many big businesses monitor the comments closely and use various deceptive measures to attack anyone who posts evidence that proves the businesses complete lack of conscience, just like MetLife and Obama and Bush exhibit.

I believe anyone who takes time to print and read my first comment, and view the associated links, will understand MetLife and other insurers are endangering many lives, and the Obama administration refuses to stop them !

Donald I would hate you for helping Obama, Bush, and MetLife destroy so many lives but I have learned that as a struggling Christian I must forgive you. I pray God will do something to help you have a change of conscience, and find love and mercy for God and your fellow man. I pray God will also stop you from making hateful attacks by saying things like"Take you meds and call it a day”.

Donald, anyone who is honest should understand that you have lied multiple times as seen above. I may choose to ignore any further comments from you, or just cut and paste your lies again as a response.

I did answer the irrelevant question you insisted that I answer. Now I have one for you. What agency regulates and/or requires licenses for you to be allowed to work on insurance policies and what is their contact information?

Barry, 1. I am familiar with brokerage A in the complaint. They werer an entity that was owned by a lawyer, and they specialized in Large accounts that had been with Mutual Insurance companies. When these mutuals became stock companies they owed policyholders Millions of Dollars. That became a tax liability on these policyholders and Brokerage A apparently had a solution.
2. This all happened over 5 years ago, and is not going on anymore. This has nothing to do with the story line
3. If you have or had a complaint about the handling of a claim of yours by Met Life. That is not an erisa issue, that is handled by your state insurance department. Did you go there? Why can’t you answer that question.
4. LTD is a specialized product, most carriers write to protect other products, but the do not take the actual risk on it.
5. I never stated Met Life was the top carrier in the market. that has been Unum for as far back as I can remember.
6. Brokers giving a carrier last look is not Bid Rigging,  it’s no different than you telling a car dealer that so and so gave me this price.
7.  The deal with Brokerage A has nothing to do with most of your ramblings. No lives were harmed
8. I do not need a license for my type of work, I do not work for commissions.
9. The carrier you keep mentioning, Met Life, Prudential and UNUM , do not write health Insurance, They do disability, Life and some dental and haven’t written Health for over a decade
10. I don’t lie, and I haven’t mislead like you have.
If you are not going to answer my question about what the state said, then don’t bother answering at all.

Donald….you have a problem with Barry’s well documented information. I don’t. He presents proof far beyond what you’ve done. And yes, I see who you work for.

Please enlighten me, How does this tie into the MLR discussion.

Look at the GOP try to stiff the consumer!

barry’s points , whatever they are are not related to the MLR issue. The Senator who proposed the legislation being discussed here is a Democrat.
Met Life , Prudential, Unum and Wachovia bank do not write Health Insurance Coverage. AIG does, but is not a even a top 10 carrier.

Barry Schmittou

March 18, 2012, 10:19 a.m.

Thank you very much Nancy. Donald is such a liar it seems useless to try to answer him.

He lied twice in two sentences when he wrote :

“There is no Bid rigging on LTD. It’s a very limited and specialized market”

BUT in his last comment Donald wrote “I am familiar with brokerage A in the complaint”.

So Donald now admits he is aware of the bid rigging crimes that are referenced in the DOJ document regarding MetLife that can be seen by pasting this in your address bar :

gibsondunn.com/publications/Documents/metlife.pdf

On page A-2 you’ll see the following quote :

“During the bidding process and on certain cases, MetLife received information from Brokerage A on MetLife’s initial bid so MetLife could revise its bid downwards and to compete and become the lowest bid”

Here’s the second lie in Donald’s sentence where he said “There is no Bid rigging on LTD. It’s a very limited and specialized market”

Here’s a quote from MetLife’s website that proves Donald’s additional lie. I filed this in Federal Court in 2007 :

“Metlife sells 1.5 billion dollars in disability policies to 3.5 million employees at over 10,000 companies nationwide (as reported on Metlife’s website)”

Also we can see in Donald’s last response directed to me he is still trying to distract by asking what the State told me. 

Donald knows this is a federal issue as evidenced by the federal laws and response to me from the Federal Courts and Obama’s Directors that are seen in my first comment.

possibly most immportant,insurance professional Donald First told me “Take you meds and call it a day”.

Thank you again Nancy. I believe anyone who takes time to print and read my first comment, and view the associated links, will understand MetLife and other insurers are endangering many lives, and the Obama administration refuses to stop them ! I pray God will help us all because the leaders of both political parties are so heartless and corrupt I believe God is our only hope.

Donald First

March 18, 2012, Noon

First off, I apologize to everybody who has to read this totally unrelated story that Barry is telling.
Insurance plans are regulated by the State, and as such the first course of action is the state. Why he will not disclose what the state said is beyond me. My guess is the state had sided with the carrier.

  I would also like him to explain how this is retlevant to the MLR question?

What met life did with Broker A was desguise the commssions they were paying to Large accounts and I do mean Large accounts. They did this at the brokers request.  Met and PRU usued to be Mutual Insurance Companies, when they turned to for Pryofi ompanies they had to settle with the owners(The policyholders). My Mother Inlaw Had an old Prudentila Life insurance policy for $1,000, . I forget when , but when Pru went public they gave her about 20 shares of stock , which she sold for over $500. Just think how much money was going back to large corporations Like Kodak, XeRox, At+t etc. That’s what Broker A was handling. It wasn’t the 25 life employer or even the 200 life one.

No on more than 1 occasion here Barry has called me a liar, well if that’s the case answer answer My 2 questions outlined above , or take it back.

Again readers, I apologize.

Ok, Barry, I am sttill awaiting the answers to my questions, on the assumption you are still working on them, I have a few more too ask. These will help me determine wheter or not I feel I owe you apology.
1. Why with the claims of Headaches and cancer is the only statement you put on your blog that of a Pyschologist.  No oncologists, Neurologists or even a PCP.
2. You indicate you were termed in July of 2001, were you at work physically when discharged or were you inactive, because of Illness?
3. Why was your supervisor reading your Medical records.
4. I don’t know your benefits, but an average plan,  would have had maybe 10 sick days, then a short-term plan up to say 6 months and An LTD plan with a six month waiting period. Most plans have a limitation for Mental and Nervous of 2 years.
5. what was the Beginning and ending period of your Cobra option?
6. Social Security Disability is avaiable after 5 months. Most people get turned down the first time, but usually approval occurs within 24 months. According to you blog it took 4 years for Medicare to approve you. Why did it take so long
7.  Why would workers comp be considered for headaches or visual problems
8. What date was your Social security claim Approved for, and when did you go on Medicare.


I warn you I may ask more qustions when I get answers, but they will not be a stall.  Please answer.

Thank you.

Barry Schmittou

March 18, 2012, 10:11 p.m.

Donald, you should have already apologized for writing :

“Take you meds and call it a day”

You did this after reading these quotes about my Psychological problems :

“I was referred to a psychologist when I almost passed out twice because MetLife violated numerous laws while knowing that I had eye cancer and often had no money for medical treatment, food and housing. Obama’s DOL Director’s requested evidence from me and they received an urgent letter from my psychologist where she wrote :

“It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. In treatment, I have observed that the impact of such actions by Metlife has resulted in exacerbation of Mr. Schmittou’s psychological symptoms and periods of significant destabilization.

“In light of the violations Metlife has committed against Mr. Schmittou and Metlife’s awareness of the additional harm caused him, Metlife’s actions seem irresponsible, inhumane, dangerous, and reckless”

Donald, I also gave you the link to the full reports where my psychologist wrote :

“I have conceptualized the severe and cumulative stress as traumatizing”

“His thoughts and emotions are so troubled he describes feeling “like my brain is on fire”. I think he struggles to express the fullness of his distress.”

“Mr. Schmittou is in a desperate situation”

Donald, I told you the full reports can be seen by pasting :

mypsychologistsreport.blogspot.com

Donald, here is part of what you wrote after seeing that :

“Take you meds and call it a day. I asked you 2 questions and I still do not have an answer from you.  The first line is the state insurance department. What did they say? Answer that or go home.”

Donald, the fact that you work with large insurance plans makes that statement much worse. It’s hard to believe you now expect me to answer a series of questions for you and then you may have more.

I have had cancer burned from one eye, orbital surgery on the other eye. MetLife destroyed my life while my father died and needed me, and my mother is now in assisted living with a fatal condition. She needs me desperately and I sat in her room four hours today while she repeatedly asked what day it was.

I have nausea from stress, huge sleep problems and nightmares like I am in the debris fields of tornados. MetLife and the DOL know this but MetLife had two more doctors ignore medical records during the exact time I had surgery for deep tissue cancer in March 2011.

They did this after signing the Non Prosecution agreement where the DOJ wrote : “all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs. MetLife shall commit no crimes whatsoever”

When I saw your earlier comment that said you do not lie, I did a response that I believe proves you do. Now that I’ve seen your last comment I think there’s a slight chance that maybe you are confused because there is so much evidence, but I feel you are very biased in favor of the insurance industry.

My eyes will not allow me to go back and reword what I wrote about lies and I cannot allow the time I took writing it to be wasted. My proof is too long for ProPublica’s comments so anyone interested can paste this in their address bar and hit enter :

donaldevidence.blogspot.com

Again, maybe you may be confused or biased, but you are very wrong about this being a State issue, as evidenced by Obama’s Directors and the Federal Courts responses to me.

I will partially answer two new questions.There are no blog posts with neurologists etc. because there are hundreds of pages and they are not computerized, plus there is already so much evidence that the DOL and DOJ are willfully ignoring.

You asked about Social Security and COBRA. You can see the answer to that and letters I sent to MetLife telling hem their violations made me often wish I were dead by pasting :

wishediweredead.blogspot.com

Donald, my severe Post Traumatic Stress caused me to be shocked by your statement “Take you meds and call it a day”, but I don’t think an apology will help anything. My life is so completely out of control I pray much of the time. I recently learned that Jesus said we must forgive others if we want God to forgive us. I cannot hate people even if they are destroying my life like MetLife is doing and greatly hurting my ability to help my dying mother. Obama and Bush have both openly protected MetLife and the other insueres who are committing identical crimes. I believe anyone who takes time to read my first comment, and view the associated links, and read the reports from my Psychologist, will understand that MetLife and other insurers are endangering many lives and the Obama administration refuses to stop them ! I pray God will help us all because the leaders of both political parties are so heartless and corrupt I believe God is our only hope.

Only one path to take when politicians climb into bed with “Business-with-a-capital-B”:  Vote the politicians out, and use co-ops to cut business out of your lives.  Short of either revolution or accepting economic (at least…) slavery as the future that you will bestow upon your children, anyway.

It is painfully obvious that the country is pretty far gone…I mean, c’mon…you’ve got Republicans blaming Obama for fuel prices when you don’t even have to try hard to find data revealing that Big Oil is selling the American people out:

http://www.bloomberg.com/news/2012-02-29/u-s-was-net-oil-product-exporter-in-2011.html

The politicians aren’t just in bed with “Business-with-a-capital-B” anymore; they’re havin’ a frackin’ orgy.  It’s disgusting.

Barry, why is you will not answer a direct question. I am asking specific questions.
Also, I have another question for you. You claim to be disabled and Broke because of the inability to work, But according to the attached you ran for Mayor of Nashville in 2003:http://news.vanderbilt.edu/2003/07/media-advisory-metro-candidates-meet-and-greet-at-vanderbilt-community-picnic-july-16-59955/
If you were totally disabled at that time, which would be required for an LTD claim. How could you run for mayor.
I am assuming this is your picture:http://www.ourcampaigns.com/RaceDetail.html?RaceID=155092

I am told the salary for that position back in 2003 was $75,000 per year.

Most LTD plans have a limit on Mental Illness of 2 years, I am suggesting to you that if you want to have a claim paid for longer than two years, you need to have your total disability certified by a Nuerologist, or opthamologist or a true medical care provider.
Based on what I have seen, your appeal has been turned down continously by the courts.
  If your employer felt you were disabled at the time you were discharged, your Cobra should have been for 29 months not 18. Tou yourself could have filed for Social Security after 5 months, you didn’t need Met Life to do it.

I am trying to help you here!

Finally, let me point out to you that the MLR does not come into play in LTD, or workers comp, or DI or Life. ONLY Medical. It doesnt apply to Hospital Indemnity or self-insurance either

Barry, get your facts straight. On page A-1 of your Gibson Dunn Document. It states that Met Life Writes Group Life, Disability, and Accidental Death. Health Insurance is not mentioned.
It also states that this happened on about 50 accounts, and that they were all roughly 10,000 or more employees.  The crime they are accused of committing is misrepresenting the commission on these cases and that’s it. That was a crime well before Erisa was enacted.
If you have ever looked at a Schedule A form 5500. There is an area there for showing expenses. But not knowing the cases involved or having the 5500 forms in front of me I cannot make a comment on them.

I again ask you to answer my questions here. I am curious as to how you could legally claim Disability over here and run for elected office at the same time. It seems to me that by runnibg for office you are saying you are qualified to work?

Barry Schmittou

March 19, 2012, 11:33 a.m.

I believe Donald First is intentionally attacking me. MetLife may be helping him.

He said “I am trying to help you here! ” in his second comment above.

He did that after hatefully writing this earlier :

“Take you meds and call it a day”
 
He wrote that after reading quotes from my psychologist that are linked later including :

“Metlife’s actions seem irresponsible, inhumane, dangerous, and reckless”

“I have conceptualized the severe and cumulative stress as traumatizing”

“Mr. Schmittou is in a desperate situation” 

My response to Donald’s last lies are too long. ProPublica allows 5,000 characters. The response can be seen by pasting :

donaldsnewattack.blogspot.com

Here is one quote from that website :

“While ignoring Obama’s protection of MetLife’s deadly crimes Donald searched and found that I ran for mayor of Nashville in 2003.

Donald wrote :

“You claim to be disabled and Broke because of the inability to work, But according to the attached you ran for Mayor of Nashville in 2003”

I did run for Mayor shortly after having cancer burned from my eye. I spent $60 dollars on a one page handout that started by saying I had no chance to win. The handout told how injured and disabled people are having their lives destroyed because legislators are allowing insurance companies to violate many laws.

I ran because there were speaking opportunities. Because of my handicaps I was only able to attend three which included news channel 5.

I had people repeatedly tell me to quit saying I had no chance to win.

So yes Donald, I risked public humiliation by running for Mayor with no chance to win, and I did it in an effort to try to stop the destruction of many very sick patients’ lives.

Donald distracts with his challenge of my character while never mentioning all the Judges writing about MetLife ignoring life threatening medical conditions that are linked in my first comment.

Donald never mentions that Judges have written that MetLife’s lawyers also lie in Court if the patient live to get there.”

** End of quotes that are seen by pasting :

donaldsnewattack.blogspot.com

You can also see proof of Donald’s earlier lies by pasting :

donaldevidence.blogspot.com

One example is Donald said there is no bid rigging in LTD but then showed tremendous knowledge of the MetLife bid rigging case.

Because of Donald’s intentional attacks, combined with the difficulties I have from eye cancer surgery and orbital surgery, I will probably respond to any new Donald’s lies with a cut and paste of this last comment I am posting.

Donald’s lies are probably an attempt to waste my time and cause me to have an increased risk of bloody falls and accidents.

MetLife is very aware of medical records that prove my risk can greatly increase with computer use. MetLife has paid three doctors that completely ignored my medical records regarding falls and accidents. Two of them worked for Network Medical Review which makes millions of dollars writing reports for MetLife.

The comment I made right before this one has the following quote but Donald continues his attack :

“I have had cancer burned from one eye, orbital surgery on the other eye. MetLife destroyed my life while my father died and needed me, and my mother is now in assisted living with a fatal condition. She needs me desperately and I sat in her room four hours today while she repeatedly asked what day it was.”

“I have nausea from stress, huge sleep problems and nightmares like I am in the debris fields of tornados. MetLife and the DOL know this but MetLife had two more doctors ignore medical records during the exact time I had surgery for deep tissue cancer in March 2011.”

“They did this after signing the Non Prosecution agreement where the DOJ wrote :

“all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs. MetLife shall commit no crimes whatsoever”

(End of quotes from the comment I wrote before this one)

There are so many very sick and dying patients having their lives destroyed I am very obsessed in stopping this, and have sacrificed my own health in trying to do so.

I tried to respond to Donald’s lies so the readers and ProPublica will see them, but it is like trying to play a shell game blindfolded.

If you read the Judges quotes about MetLife ignoring medical conditions that are linked in the first comment, and view the link where Judges have written that MetLife’s lawyers have lied in multiple Courts if the patient lives to file a claim, you will see that Donald exhibits the same characteristics as MetLife.

Here is the reason I am obsessed with posting comments :

Obama and Bush have protected crimes that have destroyed so many lives as evidenced in the links seen in my first comment on this article and the personal evidence that can be seen by pasting :

mypsychologistsreport.blogspot.com

Barry, I have asked you for information, and you refuse to provide it. Then you call me a liar. Running for Mayor while proclaming to be disabled may sound like a noble cause, but arguably it is a fraud. Based on what I can determine, Met Life covered you for two years and termend the disability after 2 years. My guesss is that they considered your probmlem a Mental and Nervous issue. The only supporting witnesses you are providing us is not a medical Doctor.

Either provide me with data to assist you, as requested or refrain from from calling me a liar.

Barry Schmittou

March 19, 2012, 1:15 p.m.

I do not need help from someone like you who wrote :

“Barry, take you meds and call it a day”

He did that after hatefully writing this earlier :

“Take you meds and call it a day”
 
He wrote that after reading quotes from my psychologist that are linked later including :

“Metlife’s actions seem irresponsible, inhumane, dangerous, and reckless”

“I have conceptualized the severe and cumulative stress as traumatizing”

“Mr. Schmittou is in a desperate situation” 

My response to Donald’s last lies are too long. ProPublica allows 5,000 characters. The response can be seen by pasting :

donaldsnewattack.blogspot.com

You can also see proof of Donald’s earlier lies by pasting :

donaldevidence.blogspot.com

I believe my last comment proves you are the fraud. I explained how I ran for mayor with no chance to win. To have a liar like you call me a fraud is a compliment. It only took 25 signatures to enter the race. I

You call me a fraud but never mention all the Judges writing about MetLife ignoring life threatening medical conditions that are linked in my first comment.

You never mention that Judges have written that MetLife’s lawyers also lie in Court if the patient live to get there.”

I have provided you with as much evidence as I am able, and it has all been a waste of time because you ignore what I have sent and then ask for more.

If anyone reads the Judges quotes about MetLife ignoring medical conditions that are linked in the first comment, and view the link where Judges have written that MetLife’s lawyers have lied in multiple Courts if the patient lives to file a claim, you will see that Donald exhibits the same characteristics as MetLife.

Donald continues to ignore that Obama and Bush have protected crimes that have destroyed so many lives as evidenced in the links seen in my first comment on this article and the personal evidence that can be seen by pasting :

mypsychologistsreport.blogspot.com

I do not need help from someone like you who wrote :

“Barry, take your meds and call it a day”

Nothing does reason more right, than the coolness of those that offer it: For Truth often suffers more by the heat of its defenders than from the arguments of its opposers. ~ William Penn

Most of the arguments that I am party to fall somewhat short of being impressive, owing to the fact that neither I nor my opponent knows what we are talking about. ~ Rodney Dangerfield

Ok, Barry, 1 last chance at trying to help you here. This would have been easier if you had cooperated, but based on what I have read I have the folling statements:
1. Cobra, if you were totally disabled at the time you were discharged you should have been entitled to 29 months of Cobra, so who ever administered your Cobra should have been aware of that, and arguably so should your Doctor.
2.  You should have gotten Medicare 24 months after Social Security. That’s why I am trying to find out what date Social Security approved you.
3. You may have a complaint against the health insurance administrator along with the Cobra adminstrator depending on what Social Security did. Did you make any appeals, did they offer you conversion
4. Your notes seemed to indicate that you periodically had insurance after Cobra, or am I reading this wrong. How were you working?
5. While I see statements that Met Life may have mishamdled your claim, I see nothing stating it should have been approved.
6. Have you appealled the effective date of Social Security?
7. Before my wife went on disability, I went to the website of ALLsup, they allow you to look up an illness and see if meet the criteria for total disability. I printed it and showed it her.  right after she left work, we contacted Allsup and they filled out the paperwork for her application. Her last Day worked was February 9 2006. She got her First Social Security check in October.  Met Life hadn’t contacted an attorney yet and they reimbursed them. We actually saved them money!
8. While, one might argue running Mayor was   not to win. If It was your money, wouldn’t you say Hey this guy claims he’s dfisabled and he’s running for mayor.
9. Barry, my job in the industry is one of Pricing a risk, that’s why I really don’t consider this bid rigging. I actually interviewed with Bryoker A at their local office here. I didn’t get the Job, I asked questions on how they got the business. I cannot tell you how many times a broker has called me , and told me match the price and it’s yours, or told me a price.  The cases involved here are large accounts probably between 1 and 5 million a year in premium. What they did is misrepresented what the commission was to Customer. I was asked years ago to do something similar for a broker on   al large case. Their commision was abouit $7,000 and really wasn’t excessive, but they were afraid since 5500 hundred forms are public information. If we could desguise and only show 2500, and have the balance be a override based on production. Since this was the only case they had with us we said no, but if we would have 50,  who knows.

Barry Schmittou

March 20, 2012, 10:13 a.m.

To Donald (Part One)

I am trying to stop insurance companies from ignoring life threatening medical conditions when patients file claims in five types of insurance. My comments on ProPublica and associated links seen in my first comment are clearly for that purpose, I have not sacrificed my health just to try to resolve my own claim. If you can work independently to help save many lives it will be appreciated. Most importantly, God wants us to try to stop injustices whether we win or lose.

I also want the Obama administration to be indicted because they wrote to me saying it is their “top priority” to stop violations as seen in my first comment on this story.

When I filed the complaint that led to the conviction of State Senator Ford, the State Senate called Ford’s crimes a technical error. There was a media firestorm and the public contacted many politicians. Without that my complaint would have been greatly minimized.

ProPubica and their PBS connections could easily take the evidence I’ve compiled and compose articles that would force Obama to actually do what he said at the Prayer Meeting :

“Make sure insurance companies aren’t discriminating against those who are already sick”

Then Obama immediately said “For me as a Christian, it also coincides with Jesus’s teaching to whom much is given much is expected”

(The rest may have errors because I’m unable to continue reading)

Donald, I respectfully say I never asked for your help on my claim.

Before telling me you want to help you wrote :

“Barry, take your meds and call it a day”

I have extreme PTSD, like many soldiers do. You should definitely learn more about the symptoms then maybe you will not hurt any more PTSD patients brains and minds in the future.

Also I have fully explained running for mayor, I repeatedly told people I had no chance to win, I had and have PTSD and other psych problems and it was a bad decision but the one TV appearance did help me get the word out about disabled and injured peoples lives being destroyed. I was not a fraud for running as you indicate, and I do not want help ffrom anyone who says I am.

I had absoliutely no chance to win spending $60, everyone in Nashville would tell you that. The incumbent Purcell had a war chest of money and connections, I went in knowing I had no chance to win.

Donald, there is nothing you can do to resolve or help in my personal my claim, I need an attorney for the final phase in Court.

You keep asking me to type details to questions that are complex and mostly resolved. I told you all your questions about Social Security and Cobra are answered at :

http://www.wishediweredead.blogspot.com

I could not read all of your last questions, but did see you write :
“While I see statements that Met Life may have mishandled your claim,I see nothing stating it should have been approved.”

Donald, they have now paid five doctors who ignored medical evidence. They destroyed my life so much it took me nine years to realize I should get help for all the bloody falls and accidents I have had since 2001.

After they were documented in my medical records and my psychologists reports MetLife has now had three more Ophthalmologists completely ignore my bloody falls and accidents.

These Ophthalmologists did make a point to discuss the psychological problems that were caused by MetLife and my employer, but they never mentioned my falls and accidents. They have had two Ophthalmologists say it is my right eye that pulses but they say that is not a problem because I am legally blind in my right eye. I have repeatedly told them it is the left eye seen pulsing in the DVD, but they continue to ignore that, and they also reconstructed sentences and took out where my surgeon wrote that he saw the left eye movement.

You can see great detail of MetLife’s complex frauds in 2010 at :
http://www.attackonmyhealthandsanity.blogspot.com

Barry Schmittou

March 20, 2012, 10:20 a.m.

To Donald Part Two

I have volumes of evidence regarding MetLife ignoring medical records and they compeletly ignored my LTD claim for eye cancer for six years while they knew I often had no money for surgery and medical treatment.

(I’m unable to edit mistakes from here on)

They also had three separate units completely ignore my psychological claim and records.

Donald you are right when you said:

“You may have a complaint against the health insurance administrator along with the Cobra administrator.’

Since the government enforces no laws I will probably not file a complaint about that. It’s not that important since I am just trying to survive each day.

I hpe you can find peolle to help more lives being destroyed so I will explain this but I can explain no more :

I only got 18 months of Cobra because I was fired four days after my managers requested my medical records. They requested them after i told them I was having sharp pains in both eyes. They knew I had a potentially fatal growth in my eye ( that was later painfully burned because it was indeed a melanoma inside my eye)

In 2007 did get back pay for Social Security from 2002 until 2007, but if it were not for my elderly parents I would have been homeless from 2003 until 2007 because my savings ran out in 2003.

If you look at http://www.wishediweredead.blogspot.com you will see how I was so confused by MetLife’ violatins while I had cancer there was no way I could also file for SS plus MetLife was required to help me and they did not.

There were times I had the Tennessee version of Medicare but I was even too depressed and confused to get that for a long time. They also removed me from coverage then added me back a few times. I was also too confused to manage my health care and surgeries even when I did have insurance and you can see how that is still occurring today at :

http://www.mypsychologistsreport.blogspot.com

If you read the Judges quotes about MetLife ignoring medical conditions that are linked in the first comment, and view the link where Judges have written that MetLife’s lawyers have lied in multiple Courts if the patient lives to file a claim, I believe you will understand that there is a very dangerous problem because the patients are at risk of dying while waiting for the Courts decision and also from the confusion that is intentionall caused by MetLife. MetLife bullies very sick patients and they must be stopped. I also ahve proof multiple insurnace companies are doing this in five types of insutrance
.
Obama’s Directors have done nothing after writing it is their “top priority” to stop these crimes, even though Obama said this at the National Prayer Meeting as seen in my first comment on this story :

“Make sure insurance companies aren’t discriminating against those who are already sick”

Then Obama immediately said “For me as a Christian, it also coincides with Jesus’s teaching to whom much is given much is expected”

ProPubica and their PBS connections could easily take the evidence I’ve compiled and compose articles that would force Obama to actually do what he said at the Prayer Meeting. If an honest DOJ looked at the last two blogs I posted on the first comment and the associated links, and combined the evidence, then there should be many prosecutions. Donald, if you really want to help, please forget about my claim, instead take time to read the evidence regarding many lives being destroyed, and send me an email at .(JavaScript must be enabled to view this email address) and I will add you to the group I send to. I will not be able to answer questions, and from now on I will cut and paste this meaasge if you respond to me on ProPublica. You can also send to or call Assistant Secretary Borzi and the following group and ask them to take action :
.(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address); .(JavaScript must be enabled to view this email address)

I am absolutely certain many lives are being destroyed every year, and ProPubica and their PBS connections could easily take the evidence I’ve compiled and compose articles that would force Obama to actually do what he said about at the National Prayer Meeting:

“making sure insurance companies aren’t discriminating against those who are already sick”

Barry Schmittou

March 20, 2012, 10:26 a.m.

To Donald Part Three

(Here are the five most important sentences from Part one and two)

I am trying to stop insurance companies from ignoring life threatening medical conditions when patients file claims in five types of insurance. My comments on ProPublica and associated links seen in my first comment are clearly for that purpose, I have not sacrificed my health just to try to resolve my own claim. If you can work independently to help save many lives it will be appreciated. Most importantly, God wants us to try to stop injustices whether we win or lose.

I am absolutely certain many lives are being destroyed every year, and ProPubica and their PBS connections could easily take the evidence I’ve compiled and compose articles that would force Obama to actually do what he said about at the National Prayer Meeting:

“making sure insurance companies aren’t discriminating against those who are already sick”

Barry, regardless of how you feel, I do not know if Eye Cancer is a Total Disability.  Yes it’s a disability , but normally you wouldn’t expect a person to be unable to work because of it for 10 years.It’s obvious to me and others here that you have vision, that’s why I keep bringing up the Doctors other than a pyschologist. Met life keeps bringing up actively at work, so there is some information that is lacking. As I stated before, you cannot prove a medical disability with pyschologist. That is why they are asking for records from other Doctors from the past.
I don’t know all the details of your claim, but it sounds to me like you were absent from work for a period of time when you were termed. That would be the only reason for your employer to request Medical Records, and it should have been HR and not not your supervisor.

Again you should have gone to the State of Tenn. and filed a complaint with the insurance Department. Carriers do not like complaints filed against them. The policy form you are reading from had to be approved by the state of Tennessee in order for Met to sell the coverage there.

Barry Schmittou

March 20, 2012, 4:16 p.m.

Donald, I don’t think you will ever understand, so I am only writing this part so any readers will understand that your evaluation of me is wrong.

Here are quotes from my last comment that you are not considering :

MetLife has now paid five doctors who ignored medical evidence. They destroyed my life so much it took me nine years to realize I should get help for all the bloody falls and accidents I have had since 2001.

After they were documented in my medical records and my psychologists reports MetLife has now had three more Ophthalmologists completely ignore my bloody falls and accidents.

These Ophthalmologists did make a point to discuss the psychological problems that were caused by MetLife and my employer, but they never mentioned my falls and accidents.

MetLife has had two Ophthalmologists say it is my right eye that pulses but they say that is not a problem because I am legally blind in my right eye. I have repeatedly told them it is the left eye seen pulsing in the DVD, but they continue to ignore that, and they also reconstructed sentences and took out where my surgeon wrote that he saw the left eye movement.

I repeatedly told MetLife the video that is seen at the following link was shot in a mirror and it is my left eye pulsing. They have had three doctors continuously say it is my cancerous right eye but it is my left eye and image that pulses with every heart beat :

http://www.youtube.com/visualsimulations

Donald, I know you will look at that and come up with some explanation that it is not a problem, or you will ignore it like so much of the other evidence.

There are also videos of kittens I rescued from my mothers woods. My attemts to get them adopted made the headlines of the paper. I guess you will say I’m a fraud because I did that.

You can see great detail of MetLife’s complex frauds in 2010 and quotes from one surgeon at :

http://www.attackonmyhealthandsanity.blogspot.com

You said :

“but normally you wouldn’t expect a person to be unable to work because of it for 10 years. It’s obvious to me and others here that you have vision, that’s why I keep bringing up the Doctors other than a pyschologist”

Donald you said nothing about MetLife paying multiple doctors who completely ignored my bloody falls and accidents. They occur even in my safe zones. I have almost knocked myself out many times, fortunately I have a very hard head.

I’ve had bad gashes on my head and foreheads from walking into things including door frames. That occurs in my safe zones.

We had the 80% of salary clause, we did not have the completely unable to work clause that you mentioned. I have worked some part time when I was not having surgeries but I did have accidents.

It is such a waste of my visual time for me to keep responding to you about my claim. MetLife was supposed to help me with early intervention, vocational training, and Social Security, but they repeatedly violated laws instead.

You take that lightly; I depended on MetLife. They threw bricks at me with their violations while I had surgeries. They knew there were times I could not get surgeries I needed because I had no money or insurance.
I can’t believe you are really trying to understand. This is futile and responding to your false and incorrect assumptions has been a terrible waste of my time and an additional disruption to my life.

I have been obsessed with responding because there are so many lives destroyed and the facts need to be clear. I believe MetLife is one of the most evil companies in the world.

I gave you a link to quotes from one surgeon and how MetLife sent a letter to my docs with a deadline to respond that was three days before the letter was even mailed. They are seen at :

http://www.attackonmyhealthandsanity.blogspot.com

You researched me and said I was a fraud for running for mayor. I told people I had no chance to win, One of the candidates told me I should stop doing that.I wanted speaking opportunities about injured and disabled workers. I spent $60 for the mayors race in Nashville.

You keep wanting doctors reports, there are thousands of pages Donald.

Since you work in the insurance industry, and you’re ignoring so much evidence and calling me a fraud, I would not be surprised if you are working with MetLife to further destroy my life. MetLife may use my responses to you in Court to try to say I have no visual problems, but if I get up and walk into a door because of typing they will ignore that like they have done with all my other falls and accidents. I don’t care much about my case because there are so many lives being destroyed.

I believe this is a battle against tremendous evil and I pray often that God will help. I know you ‘ll ignore important evidence and ask new irrelevant questions. I will just cut and paste. I will not allow your false insinuations to be the last post unless ProPublica cuts off comments.

Barry Schmittou

March 20, 2012, 4:20 p.m.

Donald, I am trying to stop insurance companies from ignoring life threatening medical conditions when patients file claims in five types of insurance. My comments on ProPublica and associated links seen in my first comment are clearly for that purpose, I have not sacrificed my health just to try to resolve my own claim.

WFAA – TV in Dallas Texas wrote :

“a remarkable number of Texans committed suicide because they could no longer endure the pain caused by their injuries and they had been repeatedly turned down for worker’s comp care. Some insurance companies send peer review doctors medical files “stripped” of records important to the possible approval of workers’ comp claims.”

During the time period of the suicides AIG rigged huge bids to increase sales of Workers Comp policies. No one was prosecuted for the bid rigging and Obama’s DOL and DOJ will not investigate the suicides!!
In 2006 the Securities Exchange Commission wrote :

“AIG will pay in excess of $1.6 billion to resolve claims related to improper accounting, bid rigging and practices involving workers’ compensation funds.”

(End of quotes)

Identical crimes are also being committed against severely injured War Zone Contractors. This Spring I was contacted by an Iraq War Zone Contractor who had his leg, fingers and toes blown off in a car bomb blast. Here are exact quotes :

“The Sheriff repossessed my wheelchair because CNA Global Insurance stopped payment on the check that they issued to the suppliers and my life really started spiraling out of control”

“I am sleeping on the floor on a mattress in the living room with my Night care Assistant sitting on a chair next to my mattress. I have to use a bucket and a bottle to urinate in the evenings.”

Here are quotes from a ProPublica article :

“CNA’s failure to pay out benefits underscores the continuing problems with the Defense Base Act, essentially the workers compensation system for overseas federal contractors.”

“Workers fought long battles for medical care, including such things as prosthetic devices and treatment for post-traumatic stress disorder. The Labor Department seldom took action to enforce the law. Labor officials can recommend cases for prosecution to the Justice Department–but have only done so once in the past two decades, according to Labor officials.”

(end of ProPublica quotes)

The following website shows quotes from numerous Federal Judges who wrote that Doctors’ paid by MetLife ignore Multiple Sclerosis, brain lesions, and cancer and cardiac conditions of many patients. 
The Judges quotes are seen at this website, please read this entire index before clicking on links :

http://www.deadlyorganizedcrimes.blogspot.com

MetLife’s attorneys also lie in multiple courts if the patient lives to have their case heard. Pease see the Federal Judges quotes at :

http://www.lawyerslyingincourt.blogspot.com

Letters I’ve received from Obama’s DOL Directors in Washington and Atlanta further prove Obama’s awareness and refusal to prosecute these deadly crimes :

The Atlanta Regional Director of the DOL EBSA wrote s :
“Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law.”

On January 26, 2011 Department of Labor Director of Participant Response Ms. Sharon Watson sent a letter from Washington saying :
“As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”

Ms. Watson closed by saying :

“At this time, there is nothing more EBSA can do for you”

MetLife and other insurers are endangering many lives, and the Obama administration refuses to stop them ! I believe anyone who takes time to print and read my first comment, and view the associated links, will understand. I pray God will help us all because the leaders of both political parties are so heartless and corrupt I believe God is our only hope.

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