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Thrivent claims experiences impact on my faith and others, Thrivent claims core Christian values but that was not my experience, Impact not just financial physical & emotional 

Thrivent claims experiences impact on my faith and others, Thrivent claims core Christian values but that was not my experience, Impact not just financial physical & emotional

“Though I speak with the tongues of men and of angels, and have not charity, I am become as sounding brass, or a tinkling cymbal”…1 Corinthians 13

“But false prophets also arose among the people, just as there will be false teachers among you, who will secretly bring in destructive heresies, even denying the Master who bought them, bringing upon themselves swift destruction. And many will follow their sensuality, and because of them the way of truth will be blasphemed. And in their greed they will exploit you with false words.”…2 Peter 2:1-3

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


This may be the most important article that I write about my claims experiences with Thrivent Financial for Lutherans (and now anybody).

Aside from the devastating financial, physical and emotional impact of their treatment of me over many years and 2 claims experiences, there was potential for impacting my faith.

If Thrivent had been my predominant experience with the Lutheran Church, I would have run away screaming in despair.

From the Washington Post March 28, 2014.

The change from “Thrivent Financial for Lutherans” to just “Thrivent Financial” was not a simple response to declining membership in the Lutheran church, Moeller said, although that factor was discussed during the lengthy transition talks.

It’s more about having a long-term strategy to share the company’s Christian business principles with more people, he said.

“It will open many, many new doors for us in terms of our ability to expand and help our members and communities,” he said.

The U.S. has three main Lutheran denominations, the Evangelical Lutheran Church in America, the Lutheran Church-Missouri Synod, and the Wisconsin Evangelical Lutheran Synod. The ELCA, the largest of the three with 3.9 million members in the U.S., reported a drop in weekly attendance of 26 percent from 2003 to 2011.


There are 2 main messages in what I write here:

1. Put your faith in God and the message of Jesus.

2. Whether you are involved in an organized religion or not, live your life properly, as Jesus taught. People may not believe what you say but they will certainly believe what you do.

“Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven.” Matthew 5:16

I was baptized as an infant in the Lutheran Church, raised attending, was an acolyte, attended catechism class and confirmed at age 12.
I sang in the choir for years.

As I grew older I became less enamored with organized religion, with its emphasis on money, buildings and temporal matters.

I have attended other denominations and hung out with the Baptists.

I have known many Godly people of various denominations.

I have also observed behavior that would turn many away.

During my first claims experience with Thrivent in 2002, I had a conversation with Sandy Kruse. I had been in great pain before, during and after surgery. I had been trying to get a proper date of disability from the surgeon to Thrivent. It was frustrating. As it turns out, and well documented now, Thrivent used the incorrect language of “unable to work” instead of “unable to perform regular occupation.” Thrivent later corrected a form but never apologized to me or made reparations.

During the conversation, as indicated by Thrivent in the transcript of the call I requested, I quoted 3 different bible verses. Ms. Kruse was offended and went on to slander and libel me with the local Thrivent rep.

In the second claims experience, beginning in 2009, I now have proof that Thrivent fraudulently misrepresented the policy provisions and used this posture for unreasonable requests and ultimately to accuse me of fraud when in fact it was they who were committing fraud.

Thrivent has been the antithesis of exhibiting core Christian values.

I am not the only one affected.

George Tiedemann, a Lutheran, was surprised at how he was treated by Thrivent:

“The insurance the Tiedemanns bought in 1993 didn’t restrict their ability to sue over disputes. But in 1999 Aid Association for Lutherans amended its bylaws, effectively blocking policyholders from the courts and substituting a three-step dispute-resolution process.

For members who have found themselves in disputes with Thrivent, the retroactive change rankles. “You’re wondering how Lutheran organizations can treat their own customers that way,” says Mr. Tiedemann, an 83-year-old retiree who navigated the dispute-resolution process for more than two years before giving up. The couple is maintaining Lucy Tiedemann’s policy, who is recovering from a recent fall.”


I quote the bible more than ever.

Putting too much faith in people and institutions will fail.

Thrivent has not shaken my faith.

However, my trust in the Lutheran Church or any other organized religion has diminished.

Perhaps that is a blessing.

I have long believed that there needs to be another reformation.

I strongly believe that now.

I consider myself more a Christian than Lutheran.


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