First Thrivent claims experience very frustrating, Claims person offended when I quoted Bible, Obviously did not understand contract, All business problems are management problems

First Thrivent claims experience very frustrating, Claims person offended when I quoted Bible, Obviously did not understand contract, All business problems are management problems

“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

“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

“Martin Luther may or may not have stated ‘Here I Stand’ but his actions certainly did.”…Citizen Wells


From the recent letter I sent to the NC Insurance Commissioner attached:

“Larry Wells brief Bio”

 “I was baptized as an infant in the Lutheran Church, went through catechism class, was an acolyte, joined the church at age 12 and sang in a choir for years. The first time I was self employed in 1985, I took out a disability policy with AAL, Aid Association for Lutherans, a fraternal benefit society licensed to sell insurance in NC. They later became Thrivent. I believed I could trust them then”.

All business problems are management problems.

It is sometimes difficult to have empathy for someone who has caused you pain or problems.

It is easier however, with the passage of time, and proper reflection and sympathy to do so.

So it is with the Thrivent claims person I spoke to in 2002.

Thrivent, misrepresenting the contract, used “unable to work” on claims forms and in their conversations instead of the contract dictated unable to perform regular occupation.

I had numerous communications regarding this massive error and they were extremely frustrating, especially in the context of much pain and trying to take care of my essential responsibilities.

It was not only frustrating but surreal like being in Alice in Wonderland.

I referred to the forms as sleazy (trying not to use words like incompetent or evil) and according to the transcripts I obtained, used 3 different bible verses.

She was offended by my quoting the bible.

I quote the bible regularly.

Here are 2 of my favorites:

“And you shall know the truth, and the truth shall set you free.”…Jesus, John 8:32

“And Jesus went into the temple of God, and cast out all them that sold and bought in the temple, and overthrew the tables of the moneychangers, and the seats of them that sold doves,

And said unto them, It is written, My house shall be called the house of prayer; but ye have made it a den of thieves.”…Matthew 21:12-13

I was obviously influenced by Martin Luther.

“In fact, Luther says this is the most important reason to read and study the Catechism, because it grants the Holy Spirit, who brings us to faith in Christ and drives away the devil. Indeed, “for this reason alone you ought gladly to read, speak, think, and use these things, even if you had no other profit and fruit from them than driving away the devil and evil thoughts by doing so. For he cannot hear or endure God’s Word… Yes indeed, it is the power of God that gives the devil burning pain and strengthens, comforts, and helps us beyond measure.”[10] Read, repeat, meditate. Learn it by rote, so as to learn it by heart. Then you can take it with you to your deathbed and beyond.”

The poor lady was becoming almost as frustrated as I was. I truly believe she did not understand the contract nor how the claim forms were affecting me.



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15 responses to “First Thrivent claims experience very frustrating, Claims person offended when I quoted Bible, Obviously did not understand contract, All business problems are management problems

  1. citizenwells

    “Yet I act as a child who is being taught the catechism. Every morning—and whenever I have time—I read and say, word for word, the Ten Commandments, the Creed, the Lord’s Prayer, the Psalms, and such. I must still read and study them daily. Yet I cannot master the catechism as I wish. But I must remain a child and pupil of the catechism, and am glad to remain so.”

    Martin Luther

  2. citizenwells

    Here I stand.

  3. oldsailor86

    ………..have you officially filed a complaint against Thrivent with the NC Insurance Commission.? If not it is important that you file a complaint with both the NCAG, and the NCIC. There is well founded reason for simultaneous complaints. Your complaint to the NCIC could be cast aside and deliberately forgotten about……..however your complaint to the NCAG needs to reflect your allegations (backed with proof) of possible insurance fraud……….perpetrated by Thrivent. The NCAG is charged with the responsibility to investigate any form of FRAUD against a citizen of NC. The Insurance Commission can evade investigating any charge by saying they cannot investigate a Religious entity who are not involved with day to day operations of Thrivent. If Thrivent is a NC corporation the AG can, and must as NCAG investigate your complaint. If they refuse then you file a citizens complaint to the NC Supreme Court.

  4. oldsailor86


    In any legal complaint it is essential that you have your affidavit, and any supporting evidence NOTORISED before filing the action to either NCAG, NCIC, or NCSC.

  5. oldsailor86

    AND SOON………..
    ………….the insane chant from the left will change, from RUSSIA,RUSSIA,RUSSIA to KILL TRUMP, KILL TRUMP,KILL TRUMP. The left is becoming crazier as each day passes. Many of the liberal democrats have finally lost their minds completely……….and it is those people who will need to be watched 24/7.

  6. I think the Orange County Chopper guy may have previously worked at Thrivent.

  7. oldsailor86

    ………….need to be placed under 24 hour surveillance.

    ……………to look into the face of Mzzzzzzzzzzzzzzz. Areu to realise that she is as twisted as Mzzzzzzzzzzzzzzzz. Cortez. Both are functioning IMBECILES!!!!

  9. I was thinking; Since only 11 million people have Obama-Care, how will 24 million people die if it is repealed? Will an additional 13 million people be randomly shot?

    I was thinking; If Donald Trump deleted all of his emails, wiped his server with Bleachbit and destroyed all of his phones with a hammer, would the Mainstream Media suddenly lose all interest in the story and declare him innocent?

    I was thinking; If women do the same job for less money, why do companies hire men to do the same job for more money?

    I was thinking; If you rob a bank in a Sanctuary City, is it illegal or is it just an
    Undocumented Withdrawal?

    I was thinking; Each ISIS attack now is a reaction to Trump policies, but all ISIS attacks during Obama’s term were due to Climate Change and a plea for jobs.

    I was thinking; After the London ‘Lone Wolf’ terrorist attack government officials arrested at least eight other ‘Lone Wolves’ who had conspired with the original ‘Lone Wolf’ in planning the ‘Lone Wolf’ attack. Why do they tell us even though all involved are Muslims? You can be assured, the ‘Lone Wolf’ attack has nothing at all to do with Islam, just like the other 1,000 plus ‘Lone Wolf’ attacks by Muslims, are completely unassociated with Islam.

    I was thinking; We should stop calling them all ‘Entitlements’. Welfare, Food Stamps, WIC, ad nauseum are not entitlements. They are taxpayer-funded handouts, and shouldn’t be called entitlements at all. Social Security and Veterans Benefits are Entitlements because the people receiving them
    are entitled to them. They were earned and paid for by the recipients.

    I was thinking; If Muslims want to run away from a Muslim country, does that mean they’re Islamophobic?

    I was thinking; If Liberals don’t believe in biological gender then why did they march for women’s rights?

    I was thinking; How did the Russians get Debbie Wasserman Schultz and the DNC to steal the Primary from Bernie Sanders? How did Russia get Donna Brazile to leak debate questions to Hillary Clinton in advance of the debates?

    I was thinking; Why is it that Democrats think Super delegates are fine, but they have a problem with the Electoral College?

    I was thinking; If Hillary’s speeches cost $250,000 an hour, how come no one shows up to her free ones?

    I was thinking; The DNC is mad at Russia because they ‘think’ they are trying to manipulate our election by exposing that the DNC is manipulating our election.

    I was thinking; If Democrats don’t want foreigners involved in our elections, why do they think it’s all right for illegals to vote?

  10. oldsailor86

    IS ……..

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