Category Archives: Insurance

My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

“Insurance Companies Practice Deny & Delay Tactics”…The Deutermann Law Group

“Some critics say being barred from court discourages complaints, and some of those barred from court say they don’t trust the arbitration system enough to pursue it. Joseph Belth, a retired professor of insurance at Indiana University and editor of a widely read industry newsletter, calls the ability of fraternals to unilaterally change dispute-resolution rules for policyholders “an outrage.””…WSJ May 30, 2006

“For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.”…Ephesians 6:12

 

 

My disability, how it affected me and how I was treated by the Disability insurance company and Social Security Disability.

Prior to my disability, I had been active all of my life, had only been to the hospital for sports injuries and had worked hard mentally and physically.

My disability event happened on February 27, 2009.

After 2 initial filings for disability claims and a letter from an attorney, my claim was denied.

The claim has been ongoing since then and I have had legal representation for over a year.

I vowed that no matter how this played out, I would expose the mistreatment I received from the disability insurance company.

Since the claim process is ongoing, I will report what I am able to reveal.

Here is the general sequence of events:

I was upstairs and alone.

I felt a numbness beginning in my right foot which began to spread up my right side.

I walked a short distance to the bedroom and laid down.

I was thinking stroke but tried to remain calm.

I called my lady friend who called her physician father on the west coast.

She arrived home and immediately took me to the emergency room a short distance away.

They triaged me for stroke which thank God it wasn’t, ran some more tests and kept me overnight.

The numbness all along my right side began to go away overnight except for my right foot, which remains with me today.

It wasn’t just numbness but there was also pain. The closest analogy I can think of is when your hands get numb and painful from making snowballs too long.

From the time that I left the hospital I was forced to keep my right leg propped up and pretty soon my lower back beagn hurting.

I was in pain during the day and my sleep was difficult at night.

A few days later I had an appointment with the attending physician, who I had never met before the hospital visit. He began talking about taking vitamins and quite frankly did not impress me.

After the second visit and my insistence, he referred me to a podiatrist.

The podiatrist was competent and immediately referred me to a spine specialist.

The spine spcialists examined me and took xrays. They found compression and fusion in my lower back. They also gave me an injection for pain which did little to help.

On the next visit they ran point to point tests from my lower spine to my foot.
.
Their conclusion was atypical neuropathy.

I had contacted my disability insurance company earlier to inform them of what had happened and they sent claim forms.

I filed claims with them twice and on both occasions the spine specialists indicated “no work.”

After the second denial I had an attorney write an excellent letter to no avail (except for documentation).

I also filed an online claim with Social Security Disability. More on this later.

Knowing what I know now, I would have immediately contacted an attorney to handle this case.

There were multiple reasons why I did not.

First of all, this was a fraternal plan I had paid on for 25 years. I was in disbelief, shock as well as pain. I could not trust them.

Also in the contract you agree to go through a process of appeal, mediation and binding arbitration. I should have had an attorney handle that.

After months of diagnosis, filing claims and dealing with the pain I had to protect myself. Thank God I had assets. I got by on savings, disposal of assets and eventually early Social Security retirement at a reduced amount.

I was able to make payments on the house I moved back into after my lady (fair weather) friend broke things off and my car.

I am one of the fortunate ones.

The TV ads daily reveal those who were helped by an attorney or they would have gone under financially.

Once again, I am blessed. But I was devastated financially.

Medicare was a blessing. With the great supplement a friend recommended, I was able to get a knee replacement for my other knee.

Exercise became part of my therapy to reduce the pain. I was then able to resume it.

What the disability company did was wrong, evil.

I am not going to let them get away with this, for myself and others.

More on this when I am able.

 

More here:

https://citizenwells.com/

http://citizenwells.net/

Deny & Delay tactics of disability insurance companies, Avoid paying legitimate insurance claims, No incentives to pay claims quickly, Many people who have been denied will not pursue, Good Morning America gets answers

Deny & Delay tactics of disability insurance companies, Avoid paying legitimate insurance claims, No incentives to pay claims quickly, Many people who have been denied will not pursue, Good Morning America gets answers

“A San Diego woman says she has been kicked off her insurance plan due to Obamacare while battling Stage 4 gallbladder cancer.

“I had great cancer doctors and health insurance,” Edie Littlefield Sundby wrote in a Sunday Wall Street Journal op-ed. “My plan was canceled. Now I worry how long I’ll live.”

“For almost seven years I have fought and survived Stage 4 gallbladder cancer, with a five-year survival rate of less than 2 percent after diagnosis,” she said.

Her op-ed, which received significant attention from conservatives online, comes as millions of Americans are being dropped from their health insurance plans because of the Patient Protection and Affordable Care Act, President Barack Obama’s signature health care law.

Sundby will be released from her current plan effective Dec. 31. She said her only options going forward are to either enroll in Obamacare and lose her cancer doctors, or to start her treatment all over again with a new provider at rates that are approximately 40 to 50 percent more expensive.

Worse than just losing her doctors through Obamacare, Sundby said, is that nothing available through the government-run program comes even close to comparing with what she had through her private insurer.”…The Blaze November 4, 2013

“Insurance Companies Practice Deny & Delay Tactics”…The Deutermann Law Group

I started Citizen Wells early in 2008 to write about injustice, things that bothered me.

I had no idea then it would evolve into more of a “political animal” and cover in depth Barack Obama and Hillary Clinton as well as a host of others.

I did so out of necessity, love of country, a real concern about what could happen and for my grandkids and descendants.

Little did I know then that a great injustice would happen to me a year later that would drastically affect my life and fortunes.

I had all of the insurance in place.

Health
Life
Dental
Disability

I paid on the private disability policy for 25 years hoping, believing that I would never need to rely on it.

That’s the way it works, right?

No one following this site is aware of what happened to me. For several reasons.

What was happening to this country at the time was more important and because my case was ongoing. It still is.

Over time I will explain my ordeal and how it transpired to the extent I will be legally able to.

But first some background on disability and other insurance companies and how they are treating people.

Anyone watching daytime local tv will notice the high volume of attorney ads offering representation to people who have been wronged by companies, insurance firms and Social Security Disability.

There is obviously a problem.

From the Deuterman Law Group.

“Good Morning America has a story that illustrates how insurance companies use deny and delay tactics to avoid paying legitimate insurance claims.

In this case, a woman with Stage 4 breast cancer tried to collect disability insurance. But Cigna repeatedly denied Susan Kristoff’s claim for short-term disability.

Cigna said she had not proven a disability. Sick and with bills piled up, Kristoff says she considered something drastic.

“If I wasn’t going to be getting better, I didn’t want to sink the rest of my family, so I spent two days in bed crying and thinking about suicide,” she said.

Instead Kristoff hired an attorney. In short order, Cigna reversed course and paid her short-term benefits. Then with her lawyer’s help, she applied for the much more important long-term help.

Several people that GMA interviewed for the story about Kristoff said insurance companies have no incentives to pay claims quickly. In fact, it’s in their best interest to deny and delay claims because many people who have been denied will not pursue things.”

http://deutermanlaw.com/insurance_companies_practice_deny_delay_tactics/

From ABC Good Morning America.

“GMA Gets Answers: Insurer Delays Long-Term Benefit Coverage”

“Kristoff was working at Yellow Book selling advertising 1½ years ago. The job entailed lugging the heavy books to meetings with potential clients. It was a job she loved, until one day a visit to the doctor brought terrible news.

She was diagnosed with stage 4 metastatic breast cancer, and it was spreading throughout her body.

“It was awful, and I was extremely tired — limping, sharp pain,” Kristoff said.

Doctors said there was no way she could do her sales job anymore. The cancer had actually eaten holes through her hips. Her company had no other position to offer her, so Kristoff filed a claim for disability insurance.

Like millions of Americans, she paid a small amount each month — $20 in her case — to cover her financially should she be unable to work. One-third of Americans have some form of disability insurance.

For Kristoff, paying Cigna for disability insurance was the easy part. Collecting the insurance was a different story.

“It was a daily, eight-hour job just trying to fulfill the information that Cigna was requesting,” she said. “And it wasn’t once. It would be over and over again.”

But after five months of submitting forms, Cigna denied Kristoff’s claim for short-term disability. Cigna said she had not proven a disability. Sick and with bills piled up, Kristoff says she considered something drastic.

“If I wasn’t going to be getting better, I didn’t want to sink the rest of my family, so I spent two days in bed crying and thinking about suicide,” she said.

Instead Kristoff hired an attorney. In short order, Cigna reversed course and paid her short-term benefits. Then with her lawyer’s help, she applied for the much more important long-term help.

Delay Tactics

Her policy promised to pay her 60 percent of her salary if she was too disabled to work.

This time Cigna raised a different objection, saying because Kristoff had a different form of cancer two years before she was diagnosed with the breast cancer that had metastasized, she did not qualify for disability. Doctors say the two cancers are unrelated, and she had been diagnosed as cancer-free well before she began her new job.

“I’m appalled, I’m disgusted, but I’m not surprised because there are hundreds of Susans, many of which I’m representing currently,” said Kristoff’s attorney, Alicia Paulino Grisham.

Grisham says she’s seen this tactic before and it’s called “slow walking.”

“The insurance companies understand that if they deny and deny claims, then many of the claimants will never pursue their claim,” Grisham said.”

“”Delay tactics are a killer in this situation — it’s, ‘How do I pay for gas? How do I pay for food? Where’s my day-to-day money? I’m caught up for weeks, months, over a year,'” Cuomo said.

Pisano replied, “I think that it’s a balance. The people who framed this law tried to strike a balance, giving every opportunity to make the case, for there to be a fair and thorough review.”

Finally, Some Good News

“GMA” got involved in Kristoff’s case as she was awaiting the results of yet another appeal.

It had been 1½ years since her cancer diagnosis, but shortly after “GMA” called Cigna on her behalf, Kristoff got some good news.

Cigna announced that based on “additional information … her disability benefits would be covered ” after all.”

Read more:

http://abcnews.go.com/GMA/story?id=4724106&page=1

You will be shocked when you find out what happened to me.

I am one of the lucky ones. I had assets and support but it still destroyed my finances and I am still in pain.

More to come.

Wells

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

NC Blue Cross raises Obamacare premiums 34.6 percent, Obama lies healthcare dies, Affordable Care Act driving up costs, Replaces June request of 25.7%, ACA customers use expensive services for chronic conditions and visit emergency department in high numbers

NC Blue Cross raises Obamacare premiums 34.6 percent, Obama lies healthcare dies, Affordable Care Act driving up costs, Replaces June request of 25.7%, ACA customers use expensive services for chronic conditions and visit emergency department in high numbers

“Contrary to industry expectations, ACA (Affordable Care Act) customers continue to be unhealthy and use more health care services than expected. BCBSNC’s (Blue Cross and Blue Shield of North Carolina) data shows that ACA customers use expensive services for chronic conditions and visit the emergency department in high numbers.”…BlueCross BlueShield of NC August 6, 2015

“If you’ve got health insurance we’re going to work with you to lower your premiums by $2,500 per family per year.”…Barack Obama

“Blue Cross and Blue Shield of New Mexico has requested rate increases averaging 51 percent for its 33,000 members. The proposal elicited tart online comments from consumers.”

““Our enrollees generated 24 percent more claims than we thought they would when we set our 2014 rates,” said Nathan T. Johns, the chief financial officer of Arches Health Plan, which covers about one-fourth of the people who bought insurance through the federal exchange in Utah. As a result, the company said, it collected premiums of $39.7 million and had claims of $56.3 million in 2014. It has requested rate increases averaging 45 percent for 2016.”…NY Times July 3, 2015

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells

 

 

Wasn’t Obamacare supposed to keep the costs of healthcare down?

Wasn’t Obamacare supposed to encourage preventive measures and reduce emergency room visits?

Who is going to pay for those high deductibles that many patients cannot afford?

Obama lies healthcare dies.

From the News Observer August 6, 2015.

“Blue Cross now seeking 34.6% rate hike in NC for ACA plans

Insurer is scrapping June request for 25.7% increase

Blames Affordable Care Act for driving up costs

Says most on ACA plans are chronically ill people who run up medical costs

Insurer also eliminating broad network plans in Triangle and Charlotte”

“Blue Cross and Blue Shield, North Carolina’s largest health insurer, is scrapping its June request for a 25.7 percent rate increase in favor of a larger rate hike: 34.6 percent.

In announcing the change Thursday, the Chapel Hill organization blamed the Affordable Care Act for driving up costs by extending health insurance to many chronically ill people. As the state’s dominant health insurer and the only ACA insurer in several dozen counties, Blue Cross is seen as a barometer of North Carolina’s health insurance market for pricing and access.

The company’s request, which requires approval from state and federal regulators, would affect about 380,000 people Blue Cross covers in North Carolina on individual policies under the Affordable Care Act. It does not apply to the majority of the 3.9 million Blue Cross covers in the state under employer plans, state plans and other policies.

Blue Cross continues to see a large number of chronically ill people who require expensive medical care this year, the second year of ACA enrollments, said Patrick Getzen, the insurer’s chief actuary. The ACA made it illegal for health insurers to turn down people with pre-existing conditions and charge older customers exorbitant rates, common practices in the past that helped insurers control their expenses.

The architects of the health insurance law anticipated an influx of older, sicker customers, but expected that the cost of treating them would be offset by attracting younger and healthier customers. That hasn’t worked out for Blue Cross so far, despite the company’s marketing campaign to attract “young invincibles” and federal penalties for those who fail to obtain health insurance.

Getzen said that in 2014 the company’s health care costs in North Carolina exceeded revenue by $123 million, even after receiving $343 million in reinsurance and other financial assistance from the federal government to offset ACA expenses. Getzen said the financial picture was expected to improve this year, but he said that expenses keep rising.”

“For example, a 40-year-old non-smoker living in Raleigh who has a Blue Value Silver plan with a $2,500 deductible pays about $315 a month today. With the adjusted proposed increase, this customer will pay about $418 for the same plan in 2016, an increase of 32.7 percent.”

Read more:

http://www.newsobserver.com/news/business/article30244941.html

“Muslims may appear very sincere; in fact, they are sincere, when they lie for their own protection or in the cause of Islam. They have permission to lie. Yes, Christians have also lied but never are they given permission to lie. However, a Muslim has no guilt since the Koran and Hadith permit his deception.”…Don Boys, Ph.D.

 

 

 

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

“Well, here we go again. Bank of America, a very large bank based in Charlotte NC is punishing it’s credit card customers for it’s lack of business acumen. This is a prevalent theme in modern day american business. Exorbitant salaries are paid to upper management, with “golden parachutes”, and when they don’t do their jobs properly, who gets punished. The customers and employees. Bank of America has a policy that appears rather arbitrary and unfair. Despite perfect payment records, credit card rates are being jacked up. Despite the fact that there have been recent congressional hearings into credit card companies and banks regarding their practices of affecting FICO scores and raising rates and heightened consumer awareness, Bank of America callously impacts good customers.”…Citizen Wells February 13, 2008

“Golden West Financial (WB), a longtime FICO skeptic, is one of the few mortgage lenders to minimize its use in recent years—and it credits that decision for its below-average mortgage losses.”  “The way we do business is a lot more costly, and cost was a big reason many competitors embraced credit scoring,” he says. “But some of our best borrowers had low FICO scores and our worst had FICO scores of 750.”…Bloomberg February 6, 2008

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

I did not start Citizen Wells to report so much on Barack Hussein Obama and corruption in our government.

My original intent was to report on injustice in general and our educational system.

One of the areas I would have preferred to address is credit reporting and its impact on the public.

I am very knowledgeable about the subject.

After my lengthy IT career I was involved in small time real estate investments and renovations. As a byproduct of that activity I dealt with a lot of lenders and consequently had to stay on top of my credit report and score.

What I learned during that process was shocking. The total lack of accountability of the major credit reporting agencies, Equifax, Experian and Transunion as well as the companies reporting credit data.

I have owned a cell phone since the early nineties and the cell phone companies were some of the worst at reporting and correcting errors. After getting attorneys involved in one situation and after much time had elapsed, I actually received an apology from one of them. It was their error, I had pointed it out earlier with extensive documentation. Ironically I was sitting in the office of my coastal real estate agent at the time. She had helped with some of the real estate transactions.

My life has changed and I rarely deal with credit issues.

I have one credit card that I use and pay off every month. I just received a credit limit increase from them.

Last year I received a notice from State Farm of a rather large increase to my home owners insurance policy. I called and was informed it affected the entire state. My neighbors recommended Farm Bureau, I went with them and they saved me money on my auto and home owners policy.

I paid for both in advance.

I just received a statement for my auto insurance for 6 months. It went up some.

They pulled my credit report. I have not checked it in a while since I have not borrowed money.

They found a problem and used that as justification for an increase.

I did not authorize having my credit report being pulled.

It turns out that they can anyway.

I did some research.

Under some circumstances they are allowed to. This is a grey area which I will explore further.

So naturally I atempted to get my free credit report.

I was unable to do so. I think I know why now. They have not updated my current address even though I have been living here over 3 years.

Instead of writing them for a copy, in the interest of time I signed up with Transunion for a trial credit monitoring, score and report.

I had no intention of paying them $ 17 per month for this. Back in the day I used one for approx. $ 35 a year. But I needed it then.

I logged on, immediately found some errors and attempted an online dispute. This was not allowed.

I next dialed a number provided. A lady from India or Pakistan (I assume & I should know….IT background). She was difficult to understand (God bless her) and kept asking for my “mailing address.” I kept explaining to her that I had a physical address that I received some mail at and a billing address as well. They had an old billing address and I pointed it out. I finally spoke to a supervisor, apparently also from the area of India. She spoke better English but still didn’t get it. She next wanted to go over every item in the report. I explained that I just wanted to dispute a few. In the past this was done simply online or with a easily understandable human.

I explained that it was their responsibility to keep the information accurate. They did not even have my billing address on file even though they had the credit card info.

At an impasse, I stated that I was extremely dissatisfied with Transunion, nothing personal against her and said goodbye.

I next canceled my Transunion service. The credit report cost $ 1 and saved me some time.

This of course is all a racket and has gotten much worse over the years.

I will next confront Farm Bureau Insurance and explain what has happened. I will ask if they want to get the attorneys involved.

Regardless, I will contact officials of the state of NC and hopefully, with so many republicans in power here, get an appropriate response.

This may take a while.

To be continued.