Thrivent denies 96 year old Elaine Tollefson assisted living help, Paid on policy 26 years, Fine print and appeal panel denial, What happened to spirit of law and Christianity?

Thrivent denies 96 year old Elaine Tollefson assisted living help, Paid on policy 26 years, Fine print and appeal panel denial, What happened to spirit of law and Christianity?

“Since 1999, Thrivent has required that disputes with members related to insurance products be resolved through its Member Dispute Resolution Program (“MDRP”). (See Johnston Decl. ¶ 9.) The MDRP provides for a multi-tiered dispute resolution process, escalating eventually (if necessary) to binding arbitration based on the rules of the American Arbitration Association. (See id., Ex. B at § 11(c).) Of particular relevance to this matter, the MDRP mandates that all mediation or arbitration be individual in nature—representative or class claims of any sort, whether arbitral or judicial, are expressly barred. (See id., Ex. B at § 11(e).) Thrivent contends that its commitment to individual arbitration is “important to the membership because it reflects Thrivent’s Christian Common Bond, helps preserve members’ fraternal relationships, and avoids protracted and adversarial litigation that could undermine Thrivent’s core mission.”…Thrivent v. Acosta Nov. 3, 2017

“Beware of false prophets, which come to you in sheep’s clothing, but inwardly they are ravening wolves.”…Matthew 7:15

“Our right to our day in court has been severely eroded.”…Citizen Wells

 

From the Star Tribune.

“Insurance policy’s fine print trumps 96-year-old’s good faith

On her 96th birthday earlier this month, Elaine Tollefson celebrated with a visit from out-of-town grandkids to her home, an assisted living center in central Nebraska.

But there’s one birthday present she still wants from Minneapolis-based Thrivent Financial: Checks to help defray the cost of that home.

Tollefson has paid the monthly premiums on her long-term care insurance policy for 26 years. In April, Thrivent told Tollefson that she cannot collect any benefits because she did not follow her policy’s protocol of spending three days in the hospital first.

It’s a requirement no longer allowed in Nebraska, but policies that predated that law change are still valid. Like many people with long-term care policies, Tollefson learned the hard way that the help wasn’t there when she needed it.”

“For Tollefson, the insurer was more than just another company. When her husband bought their policies in 1988, he was actively involved in what was then known as Lutheran Brotherhood. Though Thrivent Financial dropped “for Lutherans” from its name earlier this year, it remains a not-for-profit membership organization, despite its Fortune 500 listing and $6.9 billion surplus generated last year. Its motto is “Connecting faith and finances for good.”

After growing up in southwestern Minnesota, Tollefson married a man named Aad (pronounced “odd”), though everyone called him Tolley. He was a chemist who worked on the Manhattan Project and then for DuPont, which transferred him all over the country. The Tollefsons had four daughters and settled in Gothenburg, Neb., a little town on the Platte River.

“I thought if I had to go on long-term care, I would have that insurance, plus my Social Security, that would take care of most everything,” Tollefson said.”

“Aad Tollefson died in 2002, having never made a claim on his policy. His widow went into the hospital for kidney failure in February 2013, but decided to move back home afterward until she could no longer make it work. That moment came in April, when she moved into the Stone Hearth Estates assisted living housing, which costs about $3,400 per month. The long-term care insurance would pay $40 a day, a little over a third of the cost, or so she thought.

But Tollefson did not qualify, because she didn’t go into institutional care within 90 days of her hospital visit.

Her grandchildren contacted her insurance agent and got the bad news. Their appeal to Thrivent’s appeal panel was rejected last month.

“The panel acknowledged your long-term association with Lutheran Brotherhood/Thrivent as well as your determination to stay in your house and remain independent as long as possible,” Thrivent wrote in its denial letter. “Your actions are indeed commendable; however, these actions cannot supersede the contract requirements.”

“Thrivent members look for and expect Thrivent to provide benefits according to the policy,” the company said in its statement to the Star Tribune.”

Read more:

http://www.startribune.com/shiffer-insurance-policy-s-fine-print-trumps-96-year-old-s-good-faith/286465911/?c=y&page=all&prepage=1#continue

Note the following:

  • “Since 1999, Thrivent has required that disputes with members related to insurance products be resolved through its Member Dispute Resolution Program (“MDRP”). Hence no litigation. No day in court. No light of day. Retroactively applies. However, not tested in all state courts.
  • “Thrivent told Tollefson that she cannot collect any benefits because she did not follow her policy’s protocol of spending three days in the hospital first.”
  • “Thrivent members look for and expect Thrivent to provide benefits according to the policy,” Thrivent quoted in article. YES INDEED!

Remember the above, these themes will be revisited.

 

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

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14 responses to “Thrivent denies 96 year old Elaine Tollefson assisted living help, Paid on policy 26 years, Fine print and appeal panel denial, What happened to spirit of law and Christianity?

  1. citizenwells

    George Tiedemann obituary, Mr. Tiedemann featured in WSJ article about Thrivent, Some life insurers play by different rules, George and Lucy Tiedemann navigated the dispute-resolution process for more than two years before giving up

    http://eachstorytold.com/2018/06/24/george-tiedemann-obituary-mr-tiedemann-featured-in-wsj-article-about-thrivent-some-life-insurers-play-by-different-rules-george-and-lucy-tiedemann-navigated-the-dispute-resolut/

  2. citizenwells

    Do you remember when I allowed contributions for a short while? My disability experience was the reason.

  3. Keith B Denney

    Call the death panels!!!!!!

  4. citizenwells

  5. oldsailor86

    PERHAPS …….
    …….it is time for the Tolefson case to be adjudicated at the SCOTUS. I have the notion that if they are willing to hear a QUEER case then they should be prepared to hear a DISABILITY CASE of INSURANCE FRAUD which is what Thrivent has turned it all into by their own language. Such fraud is rampant throughout our country. Big insurance companies employ the top dog WORDSMITHS for their policy writing, and the contractual language is extremely difficult to penetrate…..if not impossible. In some indemnity policies you must be exactly in the middle of a street, bent over facing East and be struck in the rear end by a vehicle travelling West at exactly 10:15 AM, on a Wednesday morning for the policy to pay. Riders on such a policy might even include that they do not have to pay if the accident occurs in any year other than leap year. When people sign such a contract they usually get what they ask for……..sad to say!!!!

  6. citizenwells

    oldsailor, as you & I know, no attorney will touch this. The poor lady had no chance. We must speak for her & countless others.

  7. New study appearing in scientific journal confirms that 9 out of 10 species came into being at about the same time, knocking the stuffing out of one of the most sacred tenants of atheists evolution dogma.

    https://pjmedia.com/faith/evolutionists-oops-we-may-have-been-wrong-all-along/

  8. Carol White

  9. Carol White

    Now I am going back to read everything,

  10. oldsailor86

    CW………..
    …………the insurance industry has for decades felt the results of a few who were out and out criminals. There was a few criminal bastards who once sold the OLD Accident and Health policies, some of which were even called double indemnity. This was a racket! These so called policies we were riddled with insane requirements which had a probability of happening about 1 chance in 100 million. This sort of insurance racket was supposed to have been cleaned out by the various state supreme courts in that the practitioners were thrown out of the state, and the company if it was a valid company forfeited it’s right to sell insurance in the effected states. BTW Indiana was one of the states wherein such idiotic policies were sold to unsuspecting people. Our state supreme court via the state AG cleaned them out. Our AG filed a class action suit back in the early 1960s against them. Several of the head honchos of the offending companies were prosecuted and sent to prison……..but sadly nobody got their money back which they had paid in as premiums. The A&H insurance business still has an existence, but the Indiana Insurance Commission has an almost continuous eye on them. There has also been a history of fraudulent disability insurance schemes attempted within Indiana. Fortunately all have been discovered and thrown out of the state. The ejected companies were forbidden to ever sell any form of insurance ever again in this state. We had a very effective Insurance Commission. Every state has such a commission…..it is usually an arm of the state supreme court, as is the DISCIPLINARY COMMISSION, which investigates complaints from people who feel that an attorney has ripped them off, or failed to represent them adequately. The Insurance Commission is only as strong as the state supreme court. In some states it too might be in the hands of a crowd of good ole boys who play a very different game than a fair one.

  11. oldsailor86

    CW……….
    ………….more than likely the only way that the old lady will ever see any return will have to come from the state AG. It sounds as though there is adequate justification for a formal complaint to the state AG. If he /she sees merit in the case it is possible that the insurer will be required to show cause why the company should not be sued by the state for Insurance Fraud. Her case could be a very strong case……but going forward with it will require a strong, well written, and explicit complaint, along with pertinent records ,and documents. You do not need to be an attorney to file any form of complaint with the state AG, and simultaneously with the state Insurance Commission.

  12. oldsailor86

    OFF TOPIC BUT IMPORTANT……..
    …………DOES ANYONE know what the present rate of inflation is? It is beginning to show severe strain. As the fed continues to print money, the inflation grows. Without removing a comparable amount from circulation, the money supply will grow just as it did in Germany after both WW1, and WW2. In Germany a bushel basket full of German Marks would not buy a loaf of bread. America is headed in the same direction. America no longer backs a dollar with silver. Our money is now a Fiat money. In the early 1960s Lyndon Johnson, and friends stole the Social Security system and made it part of the general fund. This was done so that the money it contained could be stolen and put in the pockets of Congress.. The first thing that happened was Congress received two back to back raises the first was 21%, and e second 17% both were illegally dispensed in that Congress had already received a 5.7% increase which together turns into a massive 43.7% increase. Soon after this rape occurred Social Security was again raped for Viet Nam financing. and again ILLEGALLY. Had Social Security been left alone it would still only require a small deduction from a paycheck…….thanks to multiple rapes by the Clintons, the Bush’s, and Obama, today it teeters at the brink of insolvency, and now constitutes a large deduction from everyone’s paycheck. Blame whoever you wish, but the primary blame still lies at the doorstep of Lyndon B. Johnson……the worst thief of all.!!! And now each illegal who comes to America now receives a $1200.00 grant which comes out of everybody’s pocket who pays into Social Security. This is also an illegal giveaway…….the recipients have never paid in a PENNY. We have liberal halfwits handing out Social Security funds to illegal aliens. It is time that this handout was brought to a screeching halt.

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