Thrivent incompetence misrepresentation fraud, My first claims experience not unique, Thrivent touts core Christian values and beneficial dispute resolution, Wolf in sheep’s clothing directed by Devil’s Advocates

Thrivent incompetence misrepresentation fraud, My first claims experience not unique, Thrivent touts core Christian values and beneficial dispute resolution, Wolf in sheep’s clothing directed by Devil’s Advocates

“The MDRP is the sole means for presenting and resolving grievances, complaints, or disputes between Members, insureds, certificate owners or beneficiaries and Thrivent or Thrivent’s directors, officers, agents and employees. The MDRP reflects Thrivent’s Christian belief system and strives to preserve Members’ fraternal relationship.”…Thrivent vs Perez Sept. 29, 2016

“pre-dispute mandatory arbitration provisions are inappropriate in insurance policies and incompatible with the legal duties insurers owe policyholders when handling their claims.”…NAIC, National Association of Insurance Commissioners, August 15, 2016

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


From my recent letter to Mike Causey, NC Insurance Commissioner:

“My first claims experience with AAL/Thrivent was 2001-2003. It was an eye opening experience. This was never intended to be a large claim or “war.” I did experience a series of incompetence, misrepresentation, adversarial responses and a great deal of frustration. I even learned later, after requesting conversation transcripts, that I had been slandered and libeled. This earlier experience, put aside because it was not a war, not life devastating, is resurrected in the context of being a pattern and not appropriately handled by the Insurance Commission in 2003.”

From Thrivent v. Acosta Nov. 3, 2017.

“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.’”

They have avoided adversarial litigation and replaced it with adversarial claims processes and dispute resolution controlled by their Devil’s Advocates. This has benefited Thrivent.

Here is a summary of what transpired from 2001-2003.

  • My knee went out early in 2001 (old football injury). My profession, computer consulting required much walking through warehouses and offices.
  • I was diagnosed on 6/18/01 with “severe osteoarthritis with progressively increasing pain and lack of function.”
  • Knee replacement surgery was scheduled for 12/17/01.
  • The local Thrivent rep urged me to file a claim. I did so. It was the right decision and the impact on my life was more significant than I expected.
  • My policy states that total disability is a disability that prevents one from performing their regular occupation. Clearly the date should fall between 6/18/01 and 12/17/01. I was unable to perform my regular occupation prior to surgery.
  • The doctor filled out a claims form and indicated 12/17/01 as the date of disability. The date of surgery. Why? Because Thrivent used the terminology “Unable to work” instead of the contract language.
  • I had a phone conversation with Thrivent claims, the beginning of a series of insane dialogues with people who were not listening about the disability.
  • It is important to note that I was in much pain before, during and after surgery, unable to work and dealing with other life stresses. This is an elephant in the room of insurance claims.
  • I received a letter from Ann Weyenberg of Thrivent dated 12/7/01 which states the correct contract language and reminds me to review the contract. Apparently I was the only one doing so.
  • I was in the hospital 5 days. My surgeon said my knee was the worst he had seen.
  • On 12/26/01, from a transcript I later obtained, Dave Burnette, the local rep, speaking to claims rep Jen Schroeder, uses the phrase “unable to work” instead of the proper contract language. Incompetence/misrepresentation is widespread.
  • On 2/4/02 I had a conversation with claims rep Sandy Kruse. I referred to the claims form as a disgrace and the process sleazy. She obviously was trained to respond in a certain manner and had no clue about the contract. I later learned that she and Dave Burnette slandered and libeled me.
  • I went round and round going back and forth between the claims people and the doctor getting nowhere but frustrated. There was a 3 month waiting period in the contract before benefits would kick in. I later learned there is more to that story and that is why they put so much effort into controlling the disability date.
  • In 2003, on the recommendation of an attorney, I filed a complaint with the NC Insurance Commission. From my recent letter to the commissioner: “The first complaint I filed with the NC Insurance Commission was a travesty. Apparently no investigation was performed, no one requested more info from me and the word of Thrivent was taken as Gospel. I believe this has empowered them to believe they are untouchable.”
  • This matter was put aside until I had a more serious claim with Thrivent.
  • I had a more serious claim in 2009. The first encounter is fully documented and presented again to the NC Insurance Commission. One of the discoveries: Thrivent corrected the claim form to reflect the wording of the contract.

Below is some of the documentation.

“Thrivent letter December 7, 2001, Ann Weyenberg.

A disability prevents performing regular occupation.

And  I am reminded to review the contract.


Claim form filled out by Dr. Aluisio (smoking gun).

  1. Notice, there is no date of disability per the contract language, the date unable to perform regular occupation.
  2. Date patient became medically unable to work does not match the contract and is a Social Security definition.
  3. Notice below that “Is patient medically able to return to the above noted occupation?”. Now they use contract language.
  4. Notice part-time checked.
  5. “Do you feel the patient is medically able to perform another occupation?” No checked.
  6. Under Current limitations / restrictions: Standing and walking checked. The doctor and Thrivent had been notified that walking was an integral part of my profession.

Furthermore, the diagnosis from June 18, 2001 revealed a funtional loss and pain.

Clearly the date of disability should have at least been somewhere between 6/19/01 and prior to surgery on 12/17/01.

I had several conversations with Thrivent personnel about the wording, each time I was ignored. Apparently the worker bees had no concept of the contract and probably believed that “unable to work” was perfectly acceptable. Management and legal staff should know better.

On February 4, 2002 I had a lengthy conversation with Sandy Kruse. She appeared confused when I requested clarification of the term “earned income.” She had no concept of what I was talking about. I was still in pain and frustrated with Thrivent’s attitude. I called form DL259, that the doctor filled out a disgrace and the process as sleazy. Incompetent and/or evil are probably more appropriate.

After going round and round with Thrivent and getting nowhere, an attorney suggested I file a complaint with the NC Insurance Commission. I did so.

NC Insurance Commission complaint.

“An attorney advised me to file a complaint with the NC Insurance Commission. I did so on September 24, 2003.”

“After the so called investigation, the Commission responded.

As you can see, they take Thrivent’s word and do no real investigation. They did not contact me with questions or for more input.

However, it was not a total waste of time.

  • This proves that Thrivent believed they were bound by NC insurance laws.
  • This proves that Thrivent continued their incompetent/fraudulent position of using “unable to work” instead of the contract language and had the gaul to maintain their position with the NC Insurance Commission. Misrepresentation.
  • Finally, Thrivent’s Ann Weyenberg, who wrote the December 7, 2001 letter quoting the contract correctly then, sent the following to the Insurance commission in a letter dated .October 14, 2003.

Ann Weyenberg begins:

“I’d like to explain some provisions of his disability contract:”


Notice that after “An occupation means the covered person’s regular occupation,” “but work part-time during the first 24 months of total disability.” does not match the contract language or the letter from Ann Weyenberg (see above) dated December 7, 2001.

Thrivent misrepresented the policy to the NC Insurance Commission!

Incompetence or Fraud?”

Read more:


In a letter dated August 14, 2004, Dr. Aluisio states why he used the date of surgery as the disability date.

It is obviously not the definition used in the policy. It is, as shown above, what Thrivent used on the claim form.

I do not know when Thrivent corrected the claim form, but if you retrieve one online now, this is what you see.

Date patient became medically unable to perform activities listed above (mm/dd/yyy)“, which is correct replaces “unable to work”.







49 responses to “Thrivent incompetence misrepresentation fraud, My first claims experience not unique, Thrivent touts core Christian values and beneficial dispute resolution, Wolf in sheep’s clothing directed by Devil’s Advocates

  1. citizenwells

    Here I stand.

  2. CW, thank you for sharing your story; it’s worse than I imagined, and I’m sorry you had to go through that.

    Insurance companies are in business to make a profit. You, me, and countless others who have severe illnesses/disabilities are a liability and do nothing for the company’s bottom line; we all know what that is.

    I have a choice of many different insurance companies, so I chose one I thought would suit my needs for several preexisting conditions, and also to cover the medications I need. Only after dumping bad docs and going with better ones, did I find out that the good ones happened to work in ‘non-covered’ hospitals; office visits charged the same fee however, surgical procedures would not be covered. This insurance company wanted to give me the worst of the worst physicians who had low patient satisfaction ratings; it’s cheaper for the company to contract with bad physicians than good ones….you would never see those docs if given a choice, but you *have to* see them if they’re on the list. I purchased another plan which gave me the docs and hospitals of my choice, but at a higher premium. We shouldn’t have to do this.

    As oldsailor likes to say, these ‘representatives’ are educated wordsmiths and twist the contract language to suit the company’s needs (and not pay your claim); they basically leave you hanging out to dry. You’re penalized for submitting a claim for a product you’ve been paying into to prepare for the
    ‘what ifs;’ we see what happens when the ‘what ifs’ do occur. They really don’t want to pay the claim, but figure that if they twist the wording around to suit their needs, the red tape will drive you to the point where you’ll give up. These companies just don’t care about the people who pay their salaries and will do anything in their power to avoid getting you the treatment you need.

    Thrivent is not unique; every one of them is part of the game…

  3. oldsailor86

    ………..10-4, there are not enough people left in America, who know that what they are being told is BS, from the OVEREDUCATED WORDSMITHS…………particularly where all forms of insurance is concerned. In the insurance RACKET UP is indeed DOWN whenever the game benefits the insurance company………Al Capone proved that point.

  4. oldsailor86

    ……….Senator Menendez is once again confirming the fact that his intelligence quotient is extremely low. He thinks he is over and above Mike Pompeo. Pompeo just GRINS as Menendez BABBLES his HALF WITTED conjectures. How the Sam Hill did a moron like Menendez get elected get elected.?

  5. citizenwells

    SueK, et al.
    This was the “good news.”
    I will unveil the more harmful, damaging unreal
    second claim soon.
    Will also reveal NC Insurance Commission response.
    Commissioner should receive cert mail tomorrow.

  6. citizenwells

    Thrivent is especially egregious because of their touting Christian beliefs &
    their member dispute resolution program as being beneficial to members.
    They have put this in numerous court docs.
    This is going to come back and bite them in the ass (if I have anything to do with it).

  7. oldsailor86

    Sorry about the hiccup! Said once is sufficient! har har

  8. oldsailor86

    ……….if there is any concern at the NC Insurance Commission for people who are being screwed over by Thrivent’s phony baloney you should know the truth very soon……..if they drag their feet they will be admitting that they are a group pretty similar to the upper echelon of the FBI.

  9. oldsailor86

    ……..the other action is to file a complaint to the NC AG. While you might be referred to the NC Insurance Commission it is IMPORTANT that a complaint of wrong doing by the insurer be on file at the NC AG office.

  10. citizenwells

    From my 4 page letter:

    “If necessary and appropriate, please request an advisory opinion from the NC Attorney General.”

  11. I’d really like to understand what’s going on here but i’m just confused. Can’t keep it all straight in my mind.

    1. I thought it said in a letter in one of the paragraphs that they claimed they paid you what they owed you. Don’t know what this means.
    Does it mean they paid you something and you don’t feel it’s enough under the contract terms? Or does it mean they paid you all they claim they owed you (nothing) because they claim they don’t owe you anything?

    2. I can’t tell why they are denying you.
    You mentioned something in there about a date being important. You also mentioned about them changing some terms.
    What is the exact reason they say they are denying? I can’t figure it out.

  12. fhl………
    ………..don’t ask me how I know but the insurance actuaries are always well versed WORD TWISTING PROFESSIONALS. Most are capable of making DOWN legally UP by using insurance industry special actuarial language which teeters precariously at the thin edge of the law. The language is always final, and the policy language always protects the insurer. The insurer ALWAYS hides behind the words of the policy. It requires a well versed attorney who has himself spent a lot of years doing actuarial policy writing for insurance companies, to read and find the magic words which are being used against the insured. In certain form the words can become a criminal conspiracy by the insurance company involved. Such well chosen policy language often becomes the stepping stones that the insurer uses to escape prosecution. This might well be the case where Thrivent is concerned. They will claim that the words of the policy do not in any way lend themselves for the insured to misinterpret. Have you tried to read the fine print of an insurance policy? If you have a phd in English, it won’t be enough to fully comprehend the fine print of an insurance policy.

  13. fhl………
    ………..I am sure that you know what arbitration refers to when it is ordered by a court in personal injury claims, and in some of the life insurance policies as well………particularly when disability is a rider to the primary policy. The language of such riders sometimes precludes any payment of a claim unless certain pre conditions are first met.

  14. oldsailor86

    AND TODAY……..
    ………articles of impeachment filed against Rosenstein. Obviously Congressional law makers are finished waiting for unredacted subpoenaed documents……..which DOJ is hiding.

  15. oldsailor86

    Menendez once again proved that he is pretty much the North end of a horse walking South. His lunatic raving tells the story on him.

  16. oldsailor86

    ……….if you are up against the DISCRETIONARY CLAUSE, it might interest you to know that California banned the clause in 2015. They use the standard ERISA policy. The reasons which led to the banning could be used as a point of argument against Thrivent.

  17. citizenwells

    Paid zero.
    In this first claim, we came to an impasse on date of disability.
    The claim form used the incorrect language, that used in SS disability.
    Sometime later they corrected their claim forms but did not “Rectify” my claim.

  18. citizenwells

    “Thrivent Financial for Lutherans” Current Employee in Chicago, IL– Reviewed Aug 13, 2012

    “Cons – Management is primarily interested in the bottom line, regardless of right or wrong. So if you think a Christian organization should always take the high moral road, this is not the place for you. Too much emphasis on appearance versus ability. ”

  19. citizenwells

    employee reviews, pros and cons,of Thrivent Financial
    Current Financial Representative in Denver, CO– Reviewed Sep 9, 2009

    “Cons – There is a lot of turnover these days and members get pretty upset about that. It is full commission work after 18 months which is very difficult. Very few people are successful without being heavily involved in a church. So if you aren’t religious, going to church every Sunday and getting heavily involved can be quite a challenge.”

  20. fhl………
    ………..Mzzzzzzzzzzzzzzzzzzzzzzz. EMPTY HEAD puts me in mind of the female black who once headed up Acorn……..same loud, uninformed oral cavity which ran 23 hours a day, and said nothing intelligent.

  21. IN THE CASE OF……….
    ………..the pictured black female……there is NO HOPE there will ever be any grey matter in her empty head………and it was a lot of people who themselves possess a less than average intellect who put her in office to begin with. MORONS ELECT MORONS

  22. I George……….
    ………..once again I ask if you will keep re posting the Obama admission which was posted on weaselzippers. Put it on FACEBOOK for the world to see ,and post it on TWITTER for all to see.
    Hopefully the publicity will lead to the END OF THE LINE, for people like Mzzzzzzzzzzzzzzzzzzzzzzz. IMPORTANT who signed a ILLEGALLY prepared Hawaiian COE. She is now one of the conspirators who acted against their own country, by assisting a CRIMINAL with a TREASONOUS ACT. The person she assisted was not even a US Citizen, and was by all measurements a BASTARD in his own community.

  23. THE CRIMINAL……..
    ………..and otherwise ILLEGAL presidency of Barry Soetoro must not be allowed to enter history…… was NOT A LEGITIMATE ELECTION, and must not be entered into permanent US History. The only reason why the bastard is not yet exposed is because most Americans have neither the courage, or the will to expose the BASTARD who ISN’T EVEN A US CITIZEN. This tells the story about what is happening to the people of America…….sad as it is to say! It will NOT END until the people responsible for, or having participated allowing a NON US CITIZEN to run for POTUS. ………..particularly when there was substantial question in the public domain long before he was CERTIFIED AS ELIGIBLE. These people knowingly refused to expend any effort to factually, and properly vet Barry Soetoro. He used an ILLEGAL name to run for POTUS. This is called ELECTION FRAUD. His legal name is Barry Soetoro, and this is STILL his legal name.

  24. AND TODAY…….
    ………..Mr..Swalwell of California thinks the POTUS should divulge everything to him expressly that the White house is doing. Mr. Swalwell nor any other politician is legally allowed to have information that has NOT BEEN released by the White house. Obviously Mr Swalwell thinks he SOOOOOOOO IMPORRRRRRRRRTANT, and the POTUS MUST IMMEDIATELY DIVULGE EVERYTHING to him. This seems to be the mentality of the California political crowd. of course this sort of mentality seems to be that of all California politicians. They appear to look upon themselves as more important than the POTUS.

  25. AND NOW……….
    …………one of the recently released California PYROMANIACS has just been arrested for setting at least 5 fires. This time his efforts have resulted in the death of at least one person. Now it is time for him to be put away for at least 30 years without parole.

  26. OT.

    It looks as if A.G. Sessions is beginning to come out of his coma:

    It’s a start….

  27. Saw this in an article on the Russian hoax today.

    “)))” is the symbol that Russians use in place of our “lol.”

    Didn’t know that. Interesting. May come in very handy when tormenting leftists on the internet.

  28. More believable than CNN or MSNBC

  29. The Left:

    -Claim Russia influenced the election and this foreign influence is the biggest crime ever.

    -Wants to let illegal aliens vote.

  30. fhl…….
    ………semi auto assault straw dispenser was a good one …..still chuckling!!!! If such a device is possible it will with out a doubt be found in California. ,,,,,,,,and more than likely ther will be one in the home of Mzzzzzzzzzzzzz. Pelosi, Mzzzzzzzzzzzz.Boxer, and Mzzzzzzzzzzz Waters.

  31. fhl………
    ……..question; how does a SCANDANAVIAN (SQUAREHEAD) turn into a NATIVE AMERICAN?

    ……..of anything said by the lunatic left, and the media = ZERO!

    ……….have turned into total raving maniacs. They continue to foam at the mouth, scream their insane invectives, and still try to make the world believe that they are superior to all other humans on earth. I seem to remember in the 1940s there was a group in Germany who believed they were DER SUPERMEN. They could leap over tall buildings in a single bound, could stop a locomotive with their bare hands, and could bodily fly to anywhere in the universe This is sometimes called FANTASY (BULL$HIT) which seems to be in abundance at CNN, MSNBC, NBC, CBS, and a couple of others.

  34. Now who’s going to confide in their lawyer after this Cohen thing.
    A lot less people.

    The left destroys every single thing it comes into contact with.

    …….scream the LUNATIC LEFT. In reality they only demonstrate their own PERVERTED, AND OTHERWISE MENTALLY TWISTED WORLD IN WHICH THEY DWELL. Soon it is probable that all of them will be lying on the floor screaming their idiotic tantrums, and pounding their fists on the floor, as they whine and scream. Ending such crazed behavior is easy…………a bucket of cold water usually does the trick. I used that method once on a son who was having a tantrum………..he never had one thereafter. AND HE WAS PUT TO WORK MOPPING UP THE WATER.

  36. fhl……..
    with respect to confidence in a lawyer…………obviously Cohen is not much of a lawyer…….otherwise he would have known that recording anyone on the telephone requires a court order. Recording a person without their consent is a FELONY .Anything obtained by a illegal means is not admissible in a court of law. As I listen to these MORONS rave about the recordings I have to laugh at their sick twisted fantasies..

  37. Some guy wears a maga hat to the star in hollywood that some leftist lunatic destroyed the other day.
    Anti trump crowd proceeds to beat him up and steal his possessions.

    The left hides behind signs like this:

    ..and then refuses to coexist.

    I feel we have two choices.
    Submit and be slaves of the left.
    Or fight.

    The notion that we’ll ever get along with these people seems ridiculous to me.

  38. Behold! The left!

  39. If democrats could only vote for one person in a race between Donald Trump and Hitler, who would they vote for?

  40. HOW TO QUALIFY……….

  41. oldsailor86


  42. Pingback: To Brad Hewitt Chief Executive Officer of Thrivent Financial for Lutherans, My claims experience my background and thoughts, Request that you read and investigate facts, Opportunity to act out Christian beliefs | Citizen WElls

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