Category Archives: Accountability

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

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

“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

 

I have it on authority that Thrivent does not like what I have written about them.

I recently told the outside attorney who relayed this message that I endeavor to be accurate and do not lie.

I stated that if Thrivent finds any errors or wishes to respond with a rebuttal, I will accomodate them.

I also have not written about my later claims experience yet.

From my recent letter to

Mr. Mike Causey

NC Insurance Commissioner

” Most of my adult life was spent in IT. My first job was with a top 20 accounting firm in Greensboro. I taught college Computer Science for 5 years. The rest of my IT career was spent in higher level IT/management positions or in my own consulting firm. I represented 3 NC companies in Manhattan for their IT matters. I had the highest level of real estate licensing in NC, Broker in Charge until 2009. I have had 3 successful motions in NC court and zero failures.

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.”

I have addressed to or copied Mr. Brad Hewitt, Chief Executive Officer of Thrivent Financial for Lutherans, multiple times over the years.

Someone(s) at Thrivent have read some of what I have written about them and my first claims experience

Mr. Hewitt, I hope this article reaches you.

  • From the “Thrivent’s Christian Calling” pdf: “Fraternal benefit societies have a common bond among members. Thrivent’s common bond is Christianity. We embrace the core Christian beliefs as articulated in the Apostles’ Creed”
  • From Thrivent vs Perez Sept. 29, 2016: “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.”
  • I can assure you that the “core Christian beliefs” touted in the above did not manifest in my claims experiences with Thrivent. The whole of my experience has been the recipient of adversarial and argumentative postures.
  • No one from the Thrivent headquarters/claims office ever expressed any concern over my well being or in truly helping me through difficult times. Not the least hint of living out Christian values.
  • I believe that your staff, especially your corporate and outside legal resources, believes they are right and I am wrong. I have dealt with numerous attorneys and their specialty is adversarial positions. They don’t however like being lied to. Your upper level staff has been misled.
  • My first claims experience, though simpler in scope, covers a lot of territory. It reveals much of a pattern I have experienced with Thrivent that may explain partly my last claims experience.
  • My first claims experience was presented here along with a summary. It contains indisputable facts that explain my level of frustration and dissatisfaction with Thrivent. I strongly suggest you read it and investigate and then reach out to me.
  • The bottom line is that Thrivent used the wrong language on the claims form, the language that the doctor had to follow for date of disability. I was ignored and ultimately slandered and libeled by Thrivent personnel (I have the transcript). Thrivent later corrected the claims form. They did not apologize to me or make restitution to me for my ill treatment.
  • 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.”
  • This was difficult for me to write after what has transpired with the financial, physical and emotional toll on me. However, it is closer to what I believe is a Christian posture.

Here I stand.

First claims experience.

https://citizenwells.com/2018/07/25/thrivent-incompetence-misrepresentation-fraud-my-first-claims-experience-not-unique-thrivent-touts-core-christian-values-and-beneficial-dispute-resolution-wolf-in-sheeps-clothing-directed-by-devi/

 

More here:

https://citizenwells.com/

http://citizenwells.net/

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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.”

https://lutheranreformation.org/history/large-small-catechisms-dr-luther/

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.

ALL PROBLEMS ARE MANAGEMENT PROBLEMS.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

 

 

 

 

 

 

 

Case against Thrivent, NAIC  why arbitration clauses should be banned, If arbitration benefits members why mandate?, Erickson vs Thrivent

Case against Thrivent, NAIC  why arbitration clauses should be banned, If arbitration benefits members why mandate?, Erickson vs Thrivent

“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

“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 Erickson vs Thrivent.

“This case involves an insurance contract between Plaintiff Raymond Erickson and a fraternal benefit society. Insurance contracts issued by a fraternal benefit society generally include the society’s bylaws, as well as any subsequent amendments to the bylaws, provided that the amendments do not reduce the benefits promised in the original contract. This Court must decide whether Erickson is bound by an arbitration clause that was not in his original insurance
contract but was later added to the fraternal benefit society’s bylaws. Because the arbitration clause does not reduce Erickson’s benefits under the contract, this Court finds that the clause applies to him and requires him to arbitrate his claims.”

“Erickson made a claim for benefits under the contract. in December 2014 after he moved into a long-term care facility. Doc. 1 at 13. Thrivent paid Erickson benefits for some time, but terminated them in November 2015. Doc. 1 at 16, 18. Erickson then sued Thrivent in this Court, asserting claims for breach of contract, bad faith, breach of fiduciary duty, punitive damages, and attorney’s fees. Doc. 1. The parties mediated before Magistrate Judge Veronica Duffy, but were unable to resolve their dispute. Doc. 11. Thereafter, Thrivent filed a Motion to Compel Arbitration and argued that the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1-14, and the Dispute Resolution Bylaw require this Court to stay the case and compel arbitration. Docs. 14, 15, 21. Erickson opposed the motion, contending that the Dispute Resolution Bylaw is unenforceable for several reasons.”

“State contract law governs whether a valid arbitration agreement exists between Erickson and Thrivent. First Options of Chi .. Inc. v. Kaplan, 514 U.S. 938, 944 (1995). This Court is sitting in diversity jurisdiction, so it applies South Dakota’s choice-of-law rules to determine which state’s laws govern whether a valid arbitration agreement exists. Dakota Foundry, 891 F. Supp. 2d at 1095. The parties disagree on which state’s law should apply, with Thrivent arguing
for Wisconsin law and Erickson arguing for South Dakota law.”

“The issue of which state’s law applies does not raise a material question of fact because the Dispute Resolution Bylaw constitutes a valid arbitration agreement under Minnesota, South Dakota, and Wisconsin law. Minnesota, South Dakota, and Wisconsin have all enacted statutes regulating fraternal benefit societies. Minn. Stat.§§ 64B.Ol–64B.48; SDCL §§ 58-37A-1 to 58-37A-39; Wis. Stat. §§ 614.01–614.96, 632.93. Under these laws, a fraternal benefit society
insurance contract consists of the insurance certificate, the member’s application, and the laws of the society. Minn. Stat. § 64B.19; SDCL § 58-37A-19; Wis. Stat. § 632.93. Critically, Minnesota, South Dakota, and Wisconsin statutes recognize that contracts between a fraternal benefit society and its members include later amendments to the society’s laws, provided that the
amendments do not destroy or diminish the benefits promised in the original contract. . Minn. Stat.§ 64B.19(2) (“Any changes, additions, or amendments to the laws of the society duly made or enacted subsequent to the issuance of the certificate, shall bind the owner and the beneficiaries, and shall govern and control the benefit contract in all respects the same as though the changes, additions, or amendments had been made prior to and were in force at the time of the application for insurance, except that no change, addition or amendment shall destroy or diminish benefits that the society contracted to give the owner as of the date of issuance.”); SDCL § 58-37-A-19 (“Any changes, additions or amendments to the laws of the society made or enacted after the issuance of the certificate, bind the owner and the beneficiaries, and govern and control the benefit contract in all respects the same as though the changes, additions, or
amendments had been made before and were in force at the time of the application for insurance. However, no change, addition, or amendment may destroy or diminish benefits which the society . contracted to give the owner.as of the date of issuance.”); Wis. Stat. § 632.93(2) (“[A]ny changes in the laws of a fraternal made subsequent to the issuance of a policy or certificate bind the
owner and any beneficiary under the policy or certificate as if they had been in force at the time of the application, so long as they do not destroy or diminish benefits promised in the policy or certificate.”). As required by Minnesota, South Dakota and Wisconsin law, Minn. Stat. § 64B.19; SDCL § 58-37-A-19; Wis. Stat.§ 632.93, Erickson’s contract states that the Articles of Incorporation and Bylaws, including any later amendments, are part of the agreement: ”

Read more:

http://eachstorytold.com/2018/07/15/thrivent-and-fraternal-insurance-why-you-should-not-buy-their-insurance-erickson-vs-thrivent-reveals-all-retroactive-contract-changes-mandated-dispute-resolution-and-arbitration-companies-control/

United Insurance vs Office of Insurance Regulation, State of Florida.

“Section 624.155 is a statute regulating the business of insurance. The statute relates, directly or indirectly, to the relationship between the insurance company and the policyholder. The proposed arbitration agreement would impair, invalidate or supersede section 624.155. The statute provides for a civil action — with the relevant procedural protections. The statute also provides for court costs and fees. Mandatory binding arbitration lacks the procedural and constitutional protections (such as jury and appeal to an Article V court) of a civil action.”

Read more:

http://eachstorytold.com/2018/07/15/florida-insurance-statutes-mandatory-binding-arbitration-lacks-the-procedural-and-constitutional-protections-such-as-jury-and-appeal-united-insurance-company-vs-florida-office-of-insurance/

NAIC: Why arbitration clauses should be banned.

“This judicial recognition that mandatory arbitration provisions can interfere with core state and federal Constitutional rights, and that consumers have not “consented” in any meaningful sense to these clauses, apply equally to insurance consumers. This is demonstrated previously in the memorandum presented at the April 5, 2016 Consumer Liaison Meeting in New Orleans, and further detailed by the consumer group Texas Watch.2 Along with our colleagues, we can provide detailed information on these issues if D Committee wishes.
Today we focus on the claims process. The nature of the insurance promise is different from most other consumer services or products, and pre-dispute mandatory arbitration provisions are inappropriate in insurance policies and incompatible with the legal duties insurers owe policyholders when handling their claims.

  • Companies that include pre-dispute mandatory arbitration clauses in their consumer contracts presumably do so because it will be to their advantage should a dispute later occur.
  •  However, handling claims is an essential element of the insurance contract and insurers are required to consider the best interests of their policyholders. Courts frequently describe this broad duty as requiring “the insurer to consider the interests of its policyholder in a manner at least equal to its own.”3
  • Inserting a pre-dispute mandatory arbitration clause in an insurance policy allows the insurer to select the venue most favorable to it should a dispute later occur and therefore makes it less likely that policyholders will assert their rights to dispute their insurers’ claim evaluations, and less likely they will succeed when they do.
  • Insurers convinced that arbitration will benefit policyholders and insurers equally (or policyholders more), should therefore be willing to provide – and not mandate – arbitration as an option when an actual dispute occurs. If arbitration provides a truly neutral forum, then there is no need for an insurer to insist on its use.”

“Insurers that would insist on mandatory arbitration of policyholder disputes have selected the forum that they believe will be more favorable to them than to their policyholders, if not on each individual claim then in the aggregate. However, manipulating the dispute resolution process in this manner conflicts with the duties insurers owe their policyholders and is not holding their policyholders’ interests “at least equal to their own.”

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. Insurers should utilize arbitration only when the policyholder has consented to do so after an actual dispute occurs (which is what the suggested amendment to the Model Unfair Trade Practices Act should accomplish), rather than requiring it in boilerplate language that the policyholder is very unlikely to read, could not bargain over the provision even if she did, and could not make an
informed decision at the point of sale on the merits. True freedom of contract, combined with the fundamental right to a trial, requires a knowing relinquishment of that right, which can only occur voluntarily once a specific dispute has materialized.”

“Taken together, these decisions deliver two clear messages: (1) States can enforce bans on arbitration provisions in insurance contracts, and (2) the likelihood of surviving a FAA preemption argument is often related to the specificity of the prohibition. Our sample language (below) attempts to maximize the power of McCarran-Ferguson by adding it as an amendment to the Model UTPA, which itself states in Section 1 that “The purpose of this Act is to regulate trade practices in the business of insurance in accordance with the intent of
Congress … [citing McCarran-Ferguson],” and by making the ban directly related to insurance contracts.”

Read more:

http://eachstorytold.com/2018/07/16/naic-banning-arbitration-clauses-in-insurance-policies-why-arbitration-clauses-should-be-banned-companies-that-include-pre-dispute-mandatory-arbitration-clauses-do-so-because-it/

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

Thrivent Financial for Lutherans v. Colin Brock appeal, Thrivent nonpayment of disability benefits, Order denying Thrivent’s motion to confirm arbitration award, Brock alleges fraud corruption or other undue means

Thrivent Financial for Lutherans v. Colin Brock appeal, Thrivent nonpayment of disability benefits, Order denying Thrivent’s motion to confirm arbitration award, Brock alleges fraud corruption or other undue means

“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

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

 

From Thrivent Financial for Lutherans v. Colin Brock.

“This interlocutory appeal and original proceeding arise from a dispute between Colin Brock and his insurer, Thrivent Financial for Lutherans (“Thrivent”) over nonpayment of disability benefits, which Brock claims Thrivent owes him under a Thrivent insurance policy.   As required by the policy, the trial court compelled the parties to arbitrate.   Following an evidentiary hearing, the arbitrator denied Brock’s claims.   Thrivent moved the trial court to confirm the arbitration award.   In turn, Brock requested the trial court to vacate the arbitration award on the ground that the award was obtained “by fraud, corruption, or other undue means.”   The trial court signed an order denying Thrivent’s motion to confirm the award, vacating the arbitration award, and directing a rehearing before a new arbitrator.   Thrivent appeals the order and also seeks review by way of a petition for writ of mandamus.   Brock contends that we have no appellate jurisdiction over the interlocutory order and requests that the petition for mandamus be denied.

We dismiss Thrivent’s interlocutory appeal for lack of jurisdiction and deny its petition for writ of mandamus.”

https://caselaw.findlaw.com/tx-court-of-appeals/1108836.html

AAL, Aid Association for Lutherans, implemented a change to their contracts, retroactively in 1999, to impose mandatory dispute resolution consisting of Appeal, Mediation and Arbitration in lieu of litigation. Their member dispute resolution program is referred to as MDRP. They claim, and many courts have upheld that they could implement and enforce the change retroactively due to their fraternal status. This has not been challenged in all states and since the states differ on how insurance entities are treated, this is still an open question.

The embracing of mandatory arbitration has become widespread in consumer and employment contracts. This has led to a huge impact on our day in court and given companies much power to control outcomes and continue unsavory practices, harmful to consumers.

This is not just a Thrivent problem or insurance problem, it is a problem affecting the daily lives of all Americans. Thrivent’s practice of using their special status is particularly unjust and alarming and runs contrary to their platitudes touted in company policies.

Thrivent v. Brock revelations and questions.
  • Brock alleges: “the award was obtained ‘by fraud, corruption, or other undue means.’”  We have no way of knowing because the MDRP, culminating in arbitration, was held behind closed doors, out of the light of day of a courtroom.
  • Brock had taken the arbitration decision to trial court and next the appeals court. How much were the legal fees?
  • Thrivent has a large legal staff and engages outside legal firms who specialize in disability cases.
  • How much time elapsed from the first disability claim to the appeals court decision and probable redo of arbitration?
  • What happened next? Arbitration? What was the outcome.
  • What is Colin Brock’s disability? Is it life threatening or painful? Is Mr. Brock getting adequate treatment?
  • Was Mr. Brock able to pay his bills? Feed a family?
  • How has the MDRP process helped Mr. Brock? Did he experience the blessings of the Christian beliefs touted by Thrivent?
  • How many Thrivent members drop out of this MDRP process for various reasons such as too engulfed in pain and stress or discouraged by improper Thrivent procedures and attitudes? Mr. George Tiedemann went through the process for 2 years and dropped out. He was 83.
  • How many Thrivent members were shocked to find out that the policy they took out years earlier, had been modified without their consent or signature?
  • How many Thrivent members sought legal representation to no avail because many attorneys will not touch a case with mandated arbitration?

 

“Thrivent’s Christian Calling

Thrivent’s Lutheran heritage of answering God’s call has led to a strong membership-owned organization that now welcomes Christians seeking to live out their faith.

Fraternal benefit societies have a common bond among members. Thrivent’s common bond is Christianity. We embrace the core Christian beliefs as articulated in the Apostles’ Creed as follows:

I believe in God, the Father almighty, maker of heaven and earth.
I believe in Jesus Christ, his only Son, our Lord, who was conceived by the Holy Spirit, born of the virgin Mary, suffered under Pontius Pilate, was crucified, died, and was buried. He descended into hell. The third day he rose again from the dead. He ascended into heaven and is seated at the right hand of God the Father almighty. From there he will come to judge the living and the dead.
I believe in the Holy Spirit, the holy Christian Church, the communion of saints, the forgiveness of sins, the resurrection of the body, and the life everlasting.

If you share these beliefs, we invite you to join other Thrivent members called to pursue a life of generosity and wisdom with money.”

https://www.thrivent.com/about-us/files/28023.pdf

Here I stand.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

Thrivent insurance claims reviews, Dispute resolution program benefits members?,Christian common bond?, “Don’t use this company they hide behind the cross”

Thrivent insurance claims reviews, Dispute resolution program benefits members?, Christian common bond?, “Don’t use this company they hide behind the cross”

“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

“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

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

 

Below are some reviews of Thrivent insurance claims experiences that are similar to my experiences with Thrivent.

January 17, 2017.

“First of all I’m not a insurance company or employee. I have investments, life insurance, and disability insurance with Thrivent. I have been with Thrivent for many years and trusted them. when I became disabled a year ago and could not work I filed my private disability insurance along with my SSDI. After 7 months of waiting my SSDI was approved the 1st time, Still waiting and expecting my private disability insurance to be approved by Thrivent I received a letter from them with a denial stating I could still work according to all the medical records supplied. I supplied letters from my primary doctor and the specialists treating me stating I was disabled and could not work, I sent an e-mail to Thrivent letting them know of my approval for my SSDI and I got a letter back from them stating that there standards for approval are much higher then the Federal Gov. I followed all there requirements supplied all records never had to be evaluated by Thrivent’s doctor. They just flat denied my claim with a stupid excuse. I have been working with a attorney on this claim to try and settle it. Thrivent has been stalling them every step of the way. THIS DISABILITY POLICY IS A SCAMM. They never had any attention on paying out benefits. They communicated during the process with useless letters telling me nothing about my case. and short to the point e-mails telling me nothing. I have had to put out thousands of dollars in attorney fee’s and thousands of dollars in medical treatment fee’s for out of network doctors. If I don’t qualify for there disability benefits I don’t think anyone can. I DIDNT KNOW IT WAS ME AGIANST THRIVENT INSURANCE, THAT IS HOW THEY MAKE YOU FEEL. Don’t use this company they hide behind the cross.”

Read more:

https://insurance.freeadvice.com/reviews/377/comments/Thrivent+Financial/

Nancy Bowman February 6, 2018.

“We had a very difficult time during my husband’s illness, Parkinson’s among others, getting any help from Thrivent. Their customer service people were rude and of no assistance. Of his $170.000 fund, we spent $6,000 due to their outrageous, convoluted rules written for the benefit of the company. The salesman did not explain any of these caveats when we purchased the policy and refused to take my calls. Now I need some help, in-home, due to a broken foot but am told I have to pay for 90days of help before they will begin to pay, then need a doctor’s certification that I am disabled. There is a clause stating that if a licensed Health Care Practitioner has, with a 12 month period preceding that day, (what day?) certifies that the person has a physical impairment to last at least 90 days, but it doesn’t say anything else.I am about to go to my attorney, call my Congressmen and anything else to bring this company around. They keep a client’s fund separately but then, if not used, they abscond with it. It’s our money but they act like it’s theirs. They could keep the interest, but refund the premiums not used. It’s white-collar theft and they get away with it because they are a brotherhood. I would never have done business with this company.”

Cathy February 13, 2018.

“I am working on a long-term care insurance benefit dispute for 9 months now. Thrivent refuses to pay the claim even though my mother is coming to the end of her life and is totally disabled. I received a letter today stating that Thrivent does not have to justify their reasons for not paying the claim.
I attempted to resolve the claim through the Pennsylvania Dept of Insurance who did nothing but recommend we get an attorney. I also Issued a claim with the Better Business Bureau… another complete waste of time. Thrivent pays the BBB to post an A+ rating.
Today I sent my dispute to the Attorney General’s office.
Please… let’s not let this unethical organization take our parent’s money and then hide behind red tape and ambiguity when it is time for a payout. Has anyone contacted the Lutheran Synod to find out who is promoting these crooks? Does the Lutheran Synod know that Thrivent is not paying their claims?”

Kris Boike November 3, 2016.

“After a year of paying out on my mothers Long-Term Nursing Claim, Thrivent has stopped. They continuously change their minds of what they require within the Plan of Care from the Nursing Home. This has been going on for 4-5 months now, with at least 6 different versions of the Nursing Plan of Care being submitted. Not only is this experience frustrating, expensive to now start paying Nursing Home expenses directly, they expect my mother and father to re-start paying the LT Care Premiums while we go through the appeals/Membership Resolution Process. The Claims Examiners lie/change their minds constantly to avoid paying out! Lawyer-Up people! 17 Years of paying premiums and now they want more years of premium payments to avoid paying out! Snakes!”

Read more:

https://www.expertinsurancereviews.com/insurance-company-reviews/thrivent-financial/

I have attempted to contact a Doctor who is seeking others with bad Thrivent experiences. Hopefully he will respond.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

 

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/

 

Thrivent buys ethics awards?, Touts Christian values, The ethics of firms paying to be honored for ethics, Ethisphere Institute “World’s Most Ethical Companies”, Thrivent touts these “ethics” awards”

Thrivent buys ethics awards?, Touts Christian values, The ethics of firms paying to be honored for ethics, Ethisphere Institute “World’s Most Ethical Companies”, Thrivent touts these “ethics” awards”

“Committed to honesty, integrity and fairness
Insurance companies are subject to a lot of rules. National and state governments and other regulatory organizations have established a vast array. At AAL, we recognize the importance of these rules and work diligently to follow them. Then we take an extra step.
We choose to hold ourselves to a higher ethical standard than the regulations demand. We’re part of the Insurance Marketplace Standards Association–more commonly known as IMSA.”…AAL (Thrivent) Correspondent January/February 2002

“the awarding of an ethics accolade to a company that gives you money just doesn’t pass the smell test.”…LA Times October 27, 2014

“The secret of life is honesty, and fair
dealing. If you can fake that you’ve got it made.”…Groucho Marx

 

Thrivent, a Lutheran connected fraternal organization has been in the news for the past several years trying to maintain it’s dispute resolution, MDRP, contract dictate in lieu of litigation, despite challenges from the DOL.

It claims it’s approach of appeal, mediation and arbitration is in the best interest of its members.

It also touts its Christian based approaches and ethics awards.

Is it buying the ethics awards?

From a recent lawsuit against Thrivent:

“Executive sues Thrivent, saying he was fired because he is black”

“A black executive claims he was fired as president of a Thrivent Financial subsidiary because he accused a co-worker of racial discrimination, according to a lawsuit he filed against the financial services firm.

Gregory M. Smith, who said he was recruited by Thrivent in 2016 to help grow its network of independent insurance brokers, said he was stunned to encounter discrimination at a Fortune 500 company whose mission is “helping Christians be wise with money and live generously.”

“I was shocked,” said Smith, 56, who has worked at some of the largest insurance companies in the U.S. “I have never been treated so badly in my life.”

http://eachstorytold.com/2018/05/26/thrivent-executive-fired-gregory-m-smith-lawsuit-says-he-was-fired-because-he-is-black-represented-by-attorney-clayton-halunen-we-are-going-to-get-rid-of-that-black-piece-of-shit/

“Thrivent Financial, which manages more than $100 billion in assets, boasts of its corporate culture, noting on its website that it has been named one of the world’s “most ethical companies” six years in a row by the Ethisphere Institute.”

http://www.startribune.com/executive-sues-thrivent-saying-he-was-fired-because-he-was-black/451920593/

From Thrivent:

“Thrivent, a not-for-profit membership organization that helps Christians be wise with money and live generously, announced today it has been recognized by the Ethisphere Institute, a global leader in defining and advancing the standards of ethical business practices, as one of the 2018 World’s Most Ethical Companies.”

“For the last seven years, Thrivent has been honored to be named a World’s Most Ethical Company,” said Brad Hewitt, CEO of Thrivent. “As we serve our members and carry out what it means to be an ethical company through our actions and business practices, we are pleased to be recognized as leaders in setting a standard that we hope will continue to develop within the business community.”

https://www.thrivent.com/newsroom/for-7th-year-in-a-row-thrivent-named-a-worlds-most-ethical-company.html

From Slate.

“Sometime in the next week or so, something called the Ethisphere Institute is scheduled to announce this year’s list of the “World’s Most Ethical Companies.” If past years are any indication, the winners will have their press releases ready to go, and news outlets across the country will eat it up. There’s just one hitch: These ethics awards—let’s call them the Ethies—may have ethics issues of their own.

The Ethisphere Insitute, which describes itself as “a leading international think-tank dedicated to the creation, advancement and sharing of best practices in business ethics, corporate social responsibility, anti-corruption and sustainability,” is actually a for-profit company. The institute also lends itself credibility with an “advisory panel” of ethicists, yet several former members say they’ve had little if anything to do with it. Finally, the institute and an affiliated company sell services to and collect fees from some of the same companies Ethisphere extols.”

“The scoring is based mostly on information provided by the companies themselves, and Ethisphere says its questionnaire should take 30 to 40 minutes to complete. Ethisphere then asks companies for documentation to support survey answers and reviews other sources, such as news articles, court records, and Consumer Reports. Ethisphere says it reviewed more than 10,000 corporations for last year’s list.

Brigham acknowledges that the system is imperfect. “Could they be lying to us?” he says. “Sure, they could. … Over time, we’re going to have to figure out how to verify that. And no one is going to pay us to verify it, and if we try to charge them to verify it, we’re going to have reporters like you make it sound like we’re getting paid off.”

Ethisphere says its methodology was developed with the help of a panel of independent experts. But as I dialed up half a dozen of the 20 committee members, I found only one (George Ash) who said he actually contributed to shaping the methodology. Others said they made a suggestion that wasn’t heeded (Thomas Donaldson), or didn’t seriously analyze the methodology (Patrick Barwise, John Dienhart, Chris MacDonald), or didn’t know they were on the panel (Karen Paul). Ethisphere says that it assumed panel members who didn’t respond to its queries simply agreed with the methodology and that each member explicitly agreed to be on the panel. Since my inquiries, Ethisphere has named a new, smaller panel, and none of the people I spoke to are still on it.”

“It’s tempting, of course, to dismiss all this as just corporate window-dressing, and in fact Canadian ethicist Chris MacDonald, who until recently was on Ethisphere’s advisory panel, warned me to take such awards “with a grain of salt.” And then there are people like Gretchen Winter, former ethics officer for “World’s Most Ethical” winner Baxter International and current director of the Center for Professional Responsibility in Business and Society at the University of Illinois. Winter says the institute’s conflicts of interest and reliance on self-reported information make its awards “less credible.” At the same time, she says, the awards help in “advancing the conversation about ethics and compliance programs in the executive suites and boardrooms.”

They may just as easily be used, however, to squelch conversation. Last year, while working on another story, I was interviewing a corporate spokesman about allegations of fraud against his company and government fines for a radioactive waste spill. He sent me a press release trumpeting the news that Ethisphere had named his engineering and construction firm, CH2M Hill, one of the “World’s Most Ethical.” It “speaks for itself,” he said. If only he knew.”

http://www.slate.com/articles/business/moneybox/2010/03/its_all_good.html

From the LA Times.

“The ethics of firms paying to be honored for ethics

“It’s apparently a point of honor among some corporations to be named one of the World’s Most Ethical Companies. There already are rankings, after all, for the World’s Most Admired Companies and the Best Companies to Work For.

Blue Shield issued a press release in March saying that it had been recognized as one of the World’s Most Ethical Companies for the third year in a row. The company said the honor had been earned because of Blue Shield’s “strong culture of ethical behavior and integrity.”

Dozens of other companies issued similar press releases around the same time. Waste Management, the garbage-disposal company that in 2011 paid $7.5 million to settle charges that it broke Massachusetts environmental laws, touted its inclusion among the World’s Most Ethical Companies.

So did Eastman Chemical, which faces lawsuits alleging that it did not adequately warn of the dangers of a chemical that spilled into a West Virginia river earlier this year, leaving more than 300,000 people without water for days.”

“Apparently, Blue Shield and Ethisphere haven’t quite grasped that the appearance of a conflict can be just as troubling as an actual conflict.

Nor do they seem to understand that the awarding of an ethics accolade to a company that gives you money just doesn’t pass the smell test.

Hey, remember when things like ethics mattered?

Blue Shield doesn’t. Neither does the Ethisphere Institute.”

http://www.latimes.com/business/la-fi-lazarus-20141028-column.html

 

 

More here:

https://citizenwells.com/

http://citizenwells.net/