To Brad Hewitt Thrivent Financial for Lutherans, Request for mediation based on startling new evidence, Request you examine August 10, 2018 letter senior claims examiner sent to NC Insurance Commission

To Brad Hewitt Thrivent Financial for Lutherans, Request for mediation based on startling new evidence, Request you examine August 10, 2018 letter senior claims examiner sent to NC Insurance Commission

“We ended the year with a total adjusted surplus of $ 4.6 billion.”…Thrivent Magazine spring 2010

“Most private consumer lawyers are very reluctant, or completely unwilling, to
represent clients in a system that they believe is rigged against consumers.
Unlike the banking industry lawyers, consumer lawyers generally only get
paid if they win cases. Many of them have a reasonable, earned distrust of
forced arbitration, and extensive surveys of consumer lawyers consistently
show that most will walk away from a case rather than go to arbitration.”…CFPB study May 18, 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


I have in my possession startling new evidence which explains the “Alice in Wonderland” responses and requests I received from Thrivent personnel and agents during the processing of my disability claims.

I am requesting that you examine the letter your senior claims examiner sent to the NC Insurance Commission on  August 10, 2018 and take the appropriate actions.

If I were in your shoes, after examining and reviewing the evidence, I would immediately issue an apology and make reparations.

In the absence of those Christian responses, I am requesting again that we proceed to mediation instead of Thrivent’s insistence on perceived authority to mandate binding arbitration.

Prior to my receipt of the new evidence, I requested that we proceed to mediation in a letter I wrote to Thrivent dated June 11, 2018:

“I was informed that the appeal process was reopened after the mediation session of February 2017. This was the result of a discussion between my attorney, attorney Wayne Luck and the mediator, Mr. Gwyn. Mr Gwyn passed away over six months ago. Recently my attorney filed a lawsuit and Thrivent reiterated that we are bound by the MDRP process. My recommendation is that we go to the next step following appeal, Mediation.”

In that letter I went into much detail about the fact that the first mediation was improperly conducted.

Response from Thrivent’s outside attorney July 12, 2018.

“You asked to be informed if “there is a change of heart or philosophy.” Based on the facts as Thrivent now understands them, it will not change its position regarding mediation.”

Based on the premise: “Fool me once, shame on you. Fool me twice, shame on me.”

If Thrivent had treated me squarely, with concern for me as a member and human being, I might have embraced arbitration.

On August 9, 2018, Thrivent’s current outside attorney sent the following:

“Please know that Thrivent’s hope in commencing arbitration is that your long-standing dispute with the Society can be resolved with finality, which is to the benefit of you and Thrivent alike.”

Seems sincere, right?  I have no ax to grind with the attorney at this point. He is acting on Thrivent’s information and instructions.

The next day, August 10, 2018, the letter from Thrivent’s senior claims examiner perpetuates (and explains) the “Alice in Wonderland” position and uses that bizarre explanation to attack me.

So much for sincerity.

I sent the following to the attorney on August 22, 2018:

“Thrivent may or may not have informed you of their response to the NC Insurance Commission query regarding my complaint.

[Redacted] of Thrivent sent a 6 page response dated August 10, 2018.

Since you are the newest and therefore most “innocent” player in this controversy, represent Thrivent in some capacity, an officer of the court and bound by the ethics of the NC Bar, and, because I believe it is the right thing to do, I am giving you a heads up.”

I have also learned a great deal about arbitration and its mandatory use in insurance policies.

The following aspects are problematic:

1) This matter could have been cleared up years ago, in a courtroom or simply by representation from an attorney with the specter of going to court a possibility.

2) Thrivent maintained that we were bound by their MDRP, Member Dispute Resolution Program, which they enacted retroactively.

  • My policy was taken out in 1985. Litigation was permitted.
  • Thrivent changed their bylaws in 1999.
  • Thrivent made this change retroactive. State law allows as long as contract benefits are not diminished or destroyed.
  • I increased my coverage in 2000. This bylaw change was not presented to me nor did I agree to it.
  • Notification after my claim in 2009 that I was bound by the MDRP was unjust and diminished my contract benefit.
  • Most attorneys will not take on clients with mandated arbitration contracts on a contingency basis. I discovered that personally.
  • Thrivent, via outside attorneys, kept changing their position on arbitration. This, along with other tactics, led to my loss of legal representation.


3. The NAIC, National Association of Insurance Commissioners, on August 15, 2016 stated:

“Why arbitration clauses should be banned”

“If arbitration was truly a neutral forum rather than one favoring insurers, then there would be no need for an insurer to insist on its use before a dispute has even arisen.”

4. The North Carolina Consumers Council states:

“The problem comes with mandatory or forced arbitration where you are giving away your legal rights if the arbitration process doesn’t work in your favor. Companies have the advantage in arbitration and want you to go through the arbitration process.”

5. National Association of Consumer Advocates June 23, 2012: “According to NACA’s survey of nearly 350 consumer attorneys, it is clear that private arbitration does not compare at all well to our nation’s traditional justice system. Consumers have lost the opportunity to assert their rights under many state and federal consumer protection statutes because of pre-dispute binding mandatory arbitration.”

6. CFPB study May 18, 2016: “Most private consumer lawyers are very reluctant, or completely unwilling, to represent clients in a system that they believe is rigged against consumers. Unlike the banking industry lawyers, consumer lawyers generally only get paid if they win cases. Many of them have a reasonable, earned distrust of forced arbitration, and extensive surveys of consumer lawyers consistently show that most will walk away from a case rather than go to arbitration.”

7. Arbitration, lacking the protections of litigation, is binding.

I have tried repeatedly to resolve this injustice and have reached out with an olive branch, which was difficult given what has transpired and the impact on my life.

Mr. Hewitt, in the Citizen Wells article of July 30, 2018 I appealed to you to investigate my case since I believed that you and management have been misinformed.

I also conveyed an attempt I made with your attorney to make lemonade out of lemons:

In a recent email I sent to your outside attorney I stated:

“We appear to be at an impasse.

I am an expert on business & business systems. Over 30 years experience, with customers with $ 5 million to over a billion in sales.

I represented 3 companies in Manhattan.

My proposal:
Take this out of the legal/adversarial mode.
Hire me as a consultant to explain what happened and to prevent it from happening again.

They tout the MDRP program as benefiting the members and representing their core Christian values.
What better way to exemplify it than to create a win win situation, heal our wounds & to fix any problems in the system.

I am certain a bible verse applies.”

Response from Thrivent outside attorney June 29, 2018:

“As to your offer to serve as a consultant, we appreciate your creativity. Thrivent, however, is constrained by the MDRP program, and hiring you is simply not an option. ”

Our options are narrowing.



More here:


40 responses to “To Brad Hewitt Thrivent Financial for Lutherans, Request for mediation based on startling new evidence, Request you examine August 10, 2018 letter senior claims examiner sent to NC Insurance Commission

  1. Thrivent’s “Code of Conduct”

    “How might my behavior be perceived if it appeared in social media feeds, on the news or in tomorrow’s headlines?”

  2. Every Time Elizabeth Warren Has Lied About Her Native American Heritage:

    1. Elizabeth Warren self-identified as a “Native American” in the The Association of American Law Schools Directory of law professors in every edition printed between 1986 -1995.

    — Benny (@bennyjohnson) October 15, 2018

    2. After becoming a professor at the University of Pennsylvania, Warren demanded the University change her faculty listed ethnicity from “white” to “Native American.”

    — Benny (@bennyjohnson) October 15, 2018

    3. Warren was identified by Harvard Law as a “woman of color.” Harvard promoted Warren’s hire as expanding their campus diversity by hiring a woman with “minority background” onto their faculty.

    — Benny (@bennyjohnson) October 15, 2018

    4. Warren claimed that her mother and father had to elope due to her mom’s obvious Indian heritage and the white bigotry of her father’s family. Here is a photo of Warren’s mom:

    — Benny (@bennyjohnson) October 15, 2018

    Here is video of Warren telling this story: “My mom and dad were very much in love and they wanted to get married. My father’s parents said ‘Absolutely not because she’s part Cherokee and Delaware.’ After fighting it they eloped.”

    — Benny (@bennyjohnson) October 15, 2018

    5. Warren submitted multiple recipes for the Indian cookbook “Pow Wow Chow” and signed her name, “Elizabeth Warren – Cherokee”

    — Benny (@bennyjohnson) October 15, 2018

    6. Warren used offensive, racially charged language to defend her claims of Native American heritage, declaring that her family had “high cheekbones” like “all the Indians do.”

    Here is video of that moment:

    — Benny (@bennyjohnson) October 15, 2018

    7. Warren has now claimed that she *may* have 1/1024th Indian DNA. This is equally problematic since DNA science proves that the average white American has .18% Indian DNA, far more that Warren’s .098% (lowest estimate according to study)

    — Benny (@bennyjohnson) October 15, 2018

    8. Multiple members of Warren’s direct family have disputed her claims of a “proud Native American heritage.” They deny the Senator’s Indian heritage stories fervently:

    — Benny (@bennyjohnson) October 15, 2018

    9. Warren’s DNA report did not measure actual Native American DNA. The report actually measured Colombian, Mexican and Peruvian DNA. Of which Warren *may* have a tiny, tiny fraction – possibly.

    — Benny (@bennyjohnson) October 15, 2018

    10. It is very difficult to argue that Warren did not commit racial fraud. She used the advantages in the system to advance her career with no evidence (to this day) that she is actually Native American. Democrats defending her behavior on this point is dubious – at best.

    — Benny (@bennyjohnson) October 15, 2018

    * end thread*

  3. CW……
    ……….it now seems clear that Mzzzzzzzzzzzzzzzzzzzz. Warren is indeed a person who lives in a FANTASY WORLD which her twisted mind created. The level of native American blood running in her veins is revealed to be SO SMALL that it is extremely close to NONE WHATSOEVER. Fantasy is what it is, and FACT is what it is ….AFTER ALL!

  4. CW……..
    …………and sadly there is many liberal Democrats who live in the same sort of FANTASYLAND as does Mzzzzzzzzzzzzzzzzzzz. Warren. They even DREAM UP BLATANT LIES to REINFORCE their fantasies. Case in point Brett Kavanaugh being accused of sexually attacking Mzzzzzzzzzzzzzzzzzzzz. Tord. Obviously Mzzzzzzzzzzzzzzzzzzz. TORD is a SICK TWISTED PSYCHOPATH, who has lost touch with REALITY. Her fantasies have taken over her mind.

  5. AND NOW………
    ……….Sears and Roebuck has finally filed for bankruptcy. 142 more stores to be closed. This was once a mighty retail GIANT. The Sears catalog was in millions of American homes. It eventually came to be called the “REARS AND SAWBUCK” catalog and there was one inside of most prairie privies.

  6. AND………
    ………..In truth Sear and Roebuck became victims of their own reluctance to change their retail practices at a critical time when they should have done so MASSIVELY. Had they been willing to change they could have still been at the top, and perhaps Wal Mart would not even exist today. Sears and Roebuck decided long ago to go down with the ship. Given the distribution system that was already in place during the depression they could have been right at the top immediately after WW2 had they made the needed changes in their merchandising THEN. Surely they had to be observing Wal Mart as it grew, and wondered what Wal Mart was doing that they were NOT DOING. Another facet of the Sears and Roebuck death is their failure to train their floor salespeople. I have visited our one Sears store a couple of years back, and discovered a a gang of people standing around BUMPING THEIR GUMS, and refusing to assist customers until they were finished with their conversations…….which more often than not the customers grew tired of being ignored and walked out. This was a huge problem at our local store. Many people had complained to the upper echelon of Sears, but obviously NOTHING REGISTERED…..maybe it was because they too were engaged in socializing instead of managing the store. They apparently thought that the store would manage itself.

  7. Breaking…….
    Rumor has it that Stormy is now looking for work!

  8. fhl,

    Thank you for the Fauxcahontas posts; it does my heart good.

    I think I like Satan more than I like this lying PoS. Definitely not MY Senator.

    Please, let’s send her back to the classroom, reservation, teepee, whatever.

  9. “Stormy Daniels Lawsuit Dismissed, Trump Entitled To Legal Fees”

  10. “Elizabeth Warren Savaged On Social Media As DNA Gambit Backfires; Cherokee Nation Furious”

  11. “The rich can afford to be progressive. Poor people have reason to be afraid of the future.”
    ― Garrison Keillor, Lake Wobegon Days

    Caught you off guard with that one, eh?

  12. Close to election day means the Enemies of the American People will start running all their stories about voter suppression.

  13. The left would rather be 1% American Indian than 99% white.

  14. Suek……..
    ……… I have said so many times in the past you only need to look at the expressions on the face of a fool ………..for .CONFIRMATION OF THE FACT. I BELIEVE THAT Mzzzzzzzzzzzzzz. Warren has finally SHOT HERSELF IN THE FOOT!!!!!!. She needs to give Tonto and the Lone Ranger a telephone call so she can get her facts straight.

  15. hapnHal
    AND ………….
    …… is beginning to look as though Mzzzzzzzzzzzzzzzzzzzzzzzz. Daniels will be soon travelling to Nevada, where she can legally RETURN TO WORK!!!!

  16. hapnHal……..
    …………..looks as though Avenatti will have a bushel basket of IOUs from Mzzzzzzzzzzzzzzzzzzz. Daniels. He can use the IOUs like trading stamps.

  17. Sue K,
    Good breakdown on your senator, enjoy!

  18. Bob, that was great; thanks for posting!

    We have four Conservatives at work. We were giggling today about the whole thing, and telling each other that we didn’t believe she could make herself any more of an a-hole than she already is. She surprised us!

    One of the Regressives came over so we had to put a lid on it, but were still giggling. One of us backdrafted sparkling water out of her nosey while we were trying to make up a story as to why we were giggling.

    It was a good day :).

  19. CW, regarding your issues with Thrivent: I dealt with many insurers as a Paralegal back in the 1980s. Most of them were fair, and wanted to avoid a court date at all costs. 99.9% of the cases were settled *without* any form of arbitration, or the need to go to court.

    Apparently, Thrivent is hiding behind the MDRP program, which obviously does NOT benefit the insured.

    As we so often say here, follow the money.

    The reason that they rejected your offer to be a consultant is that you would’ve been able to straighten them out. They can’t have that happen; they have a nice little racket going!

    This is a real mess. You sign up for insurance and pay your premiums, hoping you’ll never need to use it. When you do need to file a claim, something like this happens? And they call themselves a Christian organization? I don’t think so…

    Will await the next installment in this never-ending con job.

  20. Somebody came up with a meme to make fun of libtards and the libtards are so inflamed by it that they’re having a meltdown. Twitter is mass banning everyone they can find who uses it.

    check out this story

  21. CW………..
    …………..I keep wondering if the Thrivent entity operates like churches do. Yet they enjoy huge profits. Time for Federal Government to step in and start swinging a big ax.

  22. AND TODAY……..
    ……….another 5000 Honduras nationals are walking north. The lifeboat is already at capacity. Sink the lifeboat and sink everybody. Obviously the so called refugees don’t give a damn about sinking the lifeboat, because they think there are lots more floating around.
    Maybe the refugees will consider going to Venezuela. They don’t even need a job there……….just lay around and do nothing, guzzle booze, and breed like flies. The government of Venezuela will support them. Wonder what will happen when the government of Venezuela runs out of cash.

  23. oldsailor
    The agents troll the congregations for policy sales.

  24. CW………..

  25. IN ADDITION………

  26. AND NOW………..
    …………..15 goatherders from the Saudi GOON SQUAD have been rounded up, and arrested……har har. One or two of them will be hung and the odor from the murder of Khashoggi will quickly blow away. In a couple of months nobody will even remember his name.

  27. CW………
    ……… is another thought;…… you might consider giving Mueller a call regarding Thrivent. You could tell him that there is evidence that Thrivent colluded with the RUSSIANS, and in reality they are secretly friends of President Trump. BIG PUDDLE OF BS for Mueller to step in…..but maybe it will pi$$ him off enough take out Thrivent in revenge because his $500.00 shoes now smell bad from being submerged in BS.

  28. oldsailor, funny!

  29. From the Washington Post?

    “In part, it’s a New York thing – everything is the biggest and the best. But when it comes to the real barometer of presidential truthfulness – keeping his promises – Trump is a paragon of honesty. For better or worse, since taking office Trump has done exactly what he promised he would do.”

  30. CW………..
    …… many presidents of the past have kept their word ? They all have exaggerated, and some have even blatantly LIED. At least one was impeached for LYING WHILE UNDER OATH. His own SEMEN stains on the blue dress ended his LIES.

  31. AND………
    …….for the rest of his miserable, slimy life he will be looked upon as a habitual liar, and a sexual predator………..which rumor has it includes PEDOPHILIA.

  32. AND NOW………..
    ………..St. Lawrence University has shown the world the true color of over 100 of it’s faculty. They voted to punish Senator Collins for voting for Kavanaugh. I SAY TO THE A$$HOLES AT ST.LAWRENCE…..”.GO TO HELL WHERE YOU BELONG” !!!!

  33. AND NOW ……
    ………we are seeing exactly what at least one of our oldest, and once highly regarded universities have been turned into. It takes people who are PURE FILTH to permeate our universities and destroy their credibility by turning the doctrine of truth into a blatant lie. Such people deserve to be removed from the faculty positions they hold………FROM WHICH THEY SPEW THEIR ORAL FILTH TO THEIR STUDENTS.

  34. oldsailor.
    They are already there.

  35. Pingback: Thrivent claim news, Dr. Grover office contact, Sincere investigation attempt?, Records not requested in 2017 contrary to Thrivent letter statement, Mediation session sham | Citizen WElls

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