I have had three more nightmares like I was in tornados debris fields in the last six weeks. This is because President Obama’s DOL and DOJ are allowing murderous insurance companies to destroy the lives of thousands of injured workers, disabled Americans, citizens filing health care claims, and injured War Zone Contractors !!
The insurers are doing this while admitting to rigging bids to increase sales of these policies and making huge contributions to Obama and other candidates. I feel a tremendous responsibility to help stop many more lives from being destroyed !!
Professor Joseph Belth from Indiana University wrote :
"They've turned Erisa on its head," "It was supposed to protect employees, and it's being used to protect insurers."
"The most important federal insurance regulation of the past generation is ERISA," says Tom Baker, deputy dean of the University of Pennsylvania Law School in Philadelphia. "If ever a law backfired for the public, ERISA is the perfect example."
John Marshall Law School Professor Mark Debofsky wrote:
“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound.
“MetLife and its henchmen” is an exact quote written by U.S. District Judge Richard Enslen in a Disability case linked later.
WFAA - TV in Dallas wrote this about Workers Comp :
“a remarkable number of Texans committed suicide because they could no longer endure the pain caused by their injuries and they had been repeatedly turned down for worker’s comp care. Some insurance companies send peer review doctors medical files “stripped” of records important to the possible approval of workers’ comp claims.”
** During the time period of the suicides AIG rigged billions of dollars in bids to increase sales of Workers Comp policies; No one was prosecuted by the Bush administration !!!!
Identical crimes are also being committed against severely injured War Zone Contractors !!
This Spring I was contacted by Iraq War Zone Contractor Daniel Brink, who had his leg, fingers and toes blown off in a car bomb blast and many additional injuries. Here are his exact quotes :
“The Sheriff repossessed my wheelchair because CNA Global Insurance stopped payment on the check that they issued to the suppliers and my life really started spiraling out of control”
“I am sleeping on the floor on a mattress in the living room with my Night care Assistant sitting on a chair next to my mattress. I have to use a bucket and a bottle to urinate in the evenings.”
Here are quotes from a ProPublica article :
“CNA’s failure to pay out benefits underscores the continuing problems with the Defense Base Act, essentially the workers compensation system for overseas federal contractors.”
“Workers fought long battles for medical care, including such things as prosthetic devices and treatment for post-traumatic stress disorder. The Labor Department seldom took action to enforce the law. Labor officials can recommend cases for prosecution to the Justice Department–but have only done so once in the past two decades, according to Labor officials.”
(end of ProPublica quotes)
You can see evidence that proves AIG and CNA destroy lives in multiple types of insurance by going to : www.additionalevidence.blogspot.com
AIG, MetLife, Prudential, and Unum Insurance Have All Received Multiple Non Prosecution Agreements !!!! JP Morgan Rigged Municipal Bids in 31 States, and No One Was Prosecuted !!!!
Please view :
www.bidriggingandhealthcarefraud.blogspot.com
Quotes from Numerous Federal Court Judges Prove Insurance Company Doctors’ ignore life threatening medical conditions including Brain lesions and Multiple Sclerosis, cardiac conditions of many patients, and a foot that a new mother broke in 5 places, and also endangering multiple psychological patients !!
The Judges quotes can be seen at the following website :
www.deadlyorganizedcrimes.blogspot.com
Here are four examples :
In the case of Brenda Zanny, U.S. District Judge Richard Enslen wrote :
"Metlife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization. This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits."
“MetLife should investigate the conduct of Mr. Kooi to insure that its agents are not either wittingly or unwittingly subjecting mentally-ill claimants to untoward risks of suicide death or other preventible injury.”
Judge William Acker asked Metlife this question about cardiac patient Frank Blankenship :
Judge William Acker asked Metlife this question about cardiac patient Frank Blankenship :
"Can a heart patient with angina, working under severe stress, be expected to earn up to 60 percent of what he earned before his heart condition, that is, until he drops dead?"
In the case of Wright verses Metlife U.S. Magistrate Judge Jennifer Guerm wrote these quotes :
"MetLife relied on clearly erroneous findings of fact in making its benefit determination. MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways. On October 18, 2004, Dr. Barnett wrote a letter to MetLife stating:
"I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition. Indeed, Mr. Wright has ongoing cardiac disease including ischemia and loss of function due to previous myocardial infarctions."
** Please remember I found all of these case quotes searching Google, and less than one percent of cases are posted on the internet !!!!
U.S. District Judge Nancy Gertner won the Thurgood Marshall Award of the American Bar Association in 2008.
Here’s three important quotes Judge Gertner wrote about Metlife:
“It misquoted Whitehouse’s doctors and cherry-picked or took out of context statements made. The denials continued to press factual inaccuracies even after being informed of the errors.”
“Perhaps most egregious of all, it misquotes Dr. Bhan as stating that Whitehouse “[was] able to function” AR 116 when, in fact, he said “she was not able to function.”
Obama and Bush’s DOL and DOJ Directors have seen this evidence but will do nothing to stop these crimes even though the patients may die before their case is heard by the Courts !!
A MetLife executive and private attorney and the law firm he works for made large contributions to Obama and then signed non prosecution agreements for bid rigging to increase sales of health policies; At the same time nothing is being done about Doctors’ paid by MetLife ignoring life threatening medical conditions including Brain lesions and Multiple Sclerosis, cardiac conditions of many patients, and a foot that a new mother broke in 5 places.
This evidence was also filed in Federal Court and sent certified to President Obama and his top Directors as seen at :
** Violations of Seven Laws Repeatedly
Insurance companies are ignoring medical evidence while they have agreed to the fiduciary laws under U.S. Title 29 1104 which mandates :
“ a fiduciary shall discharge his duties with respect to a plan solely in the interest of the participants” “with care, skill, prudence, and diligence”
In exchange for agreeing to these laws the insurance companies make trillions of dollars providing health benefits to 150 million Americans, and the insurance companies cannot be sued for punitive damages !
You can see four more laws that are being violated simultaneously and repeatedly at :
The private law firms paid by MetLife’s fiduciaries have lied in multiple federal courts even though MetLife is required to act with care, skill, diligence and prudence solely for the participant.
Please view the quotes at :
Unum insurance company is committing the same claims denial crimes at the same time MetLife is, even after Unum and MetLife have received multiple Non Prosecution agreements for illegal kickbacks to promote the sales of these policies !!
On November 18th 2004 Unum Provident Insurance Company was involved in a highly publicized settlement with 48 states regarding their inappropriate claims handling practices.
Here are excerpts from the website of the Attorney General of New York :
“The investigations focused on assertions that UnumProvident had inappropriately denied claims for benefits under individual and group long-term disability insurance policies.”
“The settlement announced today requires UnumProvident and its subsidiaries: (1) to reassess approximately 200,000 claims that previously had been denied; (2) to completely restructure their claim handling procedures to ensure objectivity and fairness; and (3) to pay a $15 million fine.”
“The investigations focused on assertions that UnumProvident had inappropriately denied claims for benefits under individual and group long-term disability insurance policies.”
“The settlement announced today requires UnumProvident and its subsidiaries: (1) to reassess approximately 200,000 claims that previously had been denied; (2) to completely restructure their claim handling procedures to ensure objectivity and fairness; and (3) to pay a $15 million fine.”
(end of quotes)
Just like Metlife, Unum is still violating the law even after receiving a non prosecution agreement.
Here are quotes from U.S. District Judge Barbara Crabb who wrote the following in August 2009 about the defendant Unum Insurance :
Here are quotes from U.S. District Judge Barbara Crabb who wrote the following in August 2009 about the defendant Unum Insurance :
“Defendant conducted an extensive review of plaintiff's claim and retained a functional capacity evaluator to undertake an evaluation of plaintiff, but it did not explain why it chose to give greater weight to the opinions of four of its consulting physicians over the results of the evaluation.
What is much less clear is why the reviewer chose to believe four doctors who had never seen plaintiff and disbelieve the independent functional capacity evaluator it had retained and who had observed plaintiff closely as she tested him. It is no more clear why Dr. Sternbergh would ask for a functional capacity evaluation and then conclude from it that plaintiff could tolerate standing all day, when the evaluator had reached a different opinion."
(end of quotes)
Three Judges’ Prove Lawyers Lying In Court To Deny Very Sick Patients Claims
Adding to the proof of being treasonous enemies of the U.S., the private law firms paid by MetLife’s fiduciaries have lied in multiple federal courts even though MetLife is required to act with care, skill, diligence and prudence solely for the participant.
Please view the quotes at :
U.S. Judge Writes MetLife Trained Agents To Ignore Evidence
In the case of Solomon v. Metlife, Judge Robert Sweet wrote that Metlife trained appeals specialists to ignore evidence from the Social Security Administration (SSA). Here’s one quote from Judge Sweet :
"In addition, as in Glenn, MetLife urged plaintiff to apply for government benefits, but then disregarded the SSA’s grant of benefits. Indeed the appeals specialist assigned to decide Solomon’s appeal stated that she had been trained by MetLife to disregard SSA decisions and that the decision was only relevant if MetLife was paying benefits and could use it for an offset.”
I have presented quotes from four more Judges that prove MetLife has a fraudulent pattern of ignoring SSA Judges’ quotes.
They can be seen in Exhibit C at :
** Exhibit D of that website has Six Cases That Prove MetLife’s Complex Fraud Regarding Vocational Determinations
While MetLife ignores evidence in the disability cases just mentioned, quotes from three U.S. Court of Appeals Judges prove that MetLife “reverse engineered” and fabricated a pre existing condition so they could deny Long Term Care to a very sick man.
This proves complex fraud because fabricating conditions is the exact opposite of MetLife’s ignoring conditions to deny disability claims as seen above.
The Judges’ quotes are posted at :
My Psychologist writes “Metlife's actions seem irresponsible, inhumane, dangerous, and reckless”
MetLife completely ignored my Long term claims for eye cancer and disability for 6 years between 2002 and 2008!!
MetLife is aware they caused me to often have no money for surgery, food or shelter. They ignored the LTD eye cancer claims even after they read the following quote I filed with the U.S. Court in Nashville :
"the Plaintiff who has had cancer removed from his eye and leg and over 200 biopsies plus stitches in 100 places has no money for follow up treatment."
MetLife has the medical records where I was referred to a Psychologist because of the extreme stress and major depression that has been caused by :
(1) My employer who fired me four days after demanding and receiving my medical records. (I had received a commendable performance evaluation and a raise in salary four months before my termination)
(2) MetLife’s repeated violations including this quote written by my Psychologist :
“It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. For example, Metlife’s paid consultant, Dr. Yanik, "evaluated" Mr. Schmittou without ever having seen him or his medical record from 2004 through 2008. In fact, from the time he filed the claims in 2002 until the Court ordered a review in 2008, Metlife ignored both his claims for long-term disability based on vision impairments and on psychological impairments. In treatment, I have observed that the impact of such actions by Metlife has resulted in exacerbation of Mr. Schmititou’s psychological symptoms and periods of significant destabilization.”
(Links to full report seen later)
After MetLife saw my Psychologist’s diagnosis, between 2002 and 2010 MetLife also had three separate units completely ignore the medical evidence from my Psychologist and my medical doctor who prescribed multiple medications for depression and wrote about huge difficulties I had because of them !!
MetLife continued to ignore this evidence even after the Court ordered a full and fair review, and while also ignoring the LTD eye cancer claim !!
Here are quotes from desperate letters I sent to MetLife that told them their violations made me often wish I were dead !! Please remember the letters below were sent after I called MetLife numerous times and MetLife ignored eleven letters requesting the status of my Long Term disability claims. The record proves I sent some of the letters twice in one day and they still ignored them.
Please remember these letters are desperate because :
(1) My Cobra health insurance recently expired
(2) MetLife failed to follow their policies requirement to provide early intervention, vocational help, and help me file for Social Security !!
(3) MetLife continuous violations of law (and their doctors’ ignoring so much evidence) caused such a disruption in my life there was no way I could file for Social Security myself !! During the occasions I did have insurance I have been unable to stay focused on seeking proper medical help and that includes now !!
Here are quotes from the letters :
Met Life,
Your companies intentional delays and obfuscations are adding greatly to my extreme stress and depression to the point I often wish I were dead. Your company might as well be straight out of HELL ! (See AR 0033)
Met Life,
I could not hate your company any more if you were proven to be straight out of Hell. Your intentional delays of my claim are continuing to destroy my life. The stress is beyond belief because of your inactions, lies, and intentional burial of my claims in quicksand. ( See AR 0027)
Before sending those letters I sent MetLife 11 letters requesting the status of my Long Term disability claims. The record proves I sent some of the letters twice in one day and they still ignored them.
I faxed all this evidence to Obama's DOL Directors' as they requested me to do, and they have also seen my Psychologists reports and all the other cases regarding MetLife endangering many medical and Psychological claimants, but the DOL and DOJ will do nothing !!
I faxed all this evidence to Obama's DOL Directors' as they requested me to do, and they have also seen my Psychologists reports and all the other cases regarding MetLife endangering many medical and Psychological claimants, but the DOL and DOJ will do nothing !!
Later you will see a topic titled “DOL Enables Mass Murder and Reckless Endangerment Violating Fiduciary Duties By Failing To Protect Claimants”
No money for medical treatment, food or shelter !!
In January 2003 my COBRA insurance eligibility expired, and over the next four years there were numerous times that I had no money for food, housing or medical treatment and surgery I needed.
During the occasions that I did have insurance my brain was very overwhelmed by Metlife's violations while I had multiple cancer surgeries, over 200 biopsies, and follow up stitches in 100 places. I did not have enough mental focus to seek proper health care then, and that is still true today because Metlife's violations and frauds continue while the DOL and DOJ do nothing !!.
During the occasions that I did have insurance my brain was very overwhelmed by Metlife's violations while I had multiple cancer surgeries, over 200 biopsies, and follow up stitches in 100 places. I did not have enough mental focus to seek proper health care then, and that is still true today because Metlife's violations and frauds continue while the DOL and DOJ do nothing !!.
Metlife's Senior Management and the DOL and DOJ are very aware that their failure to correct these fiduciary breaches are still causing me huge stress and sleep problems but they will still take no action.
MetLife’s policy requires them to help with early intervention, vocational help, and help you file for Social Security disability, but they did not help me with any of that.
Their continuous violations of law (and their doctors’ ignoring so much evidence) caused such a disruption in my life there was no way I could file for Social Security myself !! While ignoring my medical evidence, concealing their doctors’ reports and failing to send me denial letters Metlife had deadlines that I had to meet or I would be automatically denied. No legal action could overcome a denial due to missing Metlife’s deadlines !!
Their continuous violations of law (and their doctors’ ignoring so much evidence) caused such a disruption in my life there was no way I could file for Social Security myself !! While ignoring my medical evidence, concealing their doctors’ reports and failing to send me denial letters Metlife had deadlines that I had to meet or I would be automatically denied. No legal action could overcome a denial due to missing Metlife’s deadlines !!
When I finally signed up for Tennessee’s free insurance for indigent people in 2004 a melanoma was found on my leg and it required 18 stitches. The years I delayed seeking treatment could have been fatal !
Soon I will again have insufficient funds for living and medical treatment because MetLife has just had two more doctor’s completely ignore medical evidence including my extensive records of falls and accidents that have occurred since I developed eye cancer.
They did this even after reading my Psychologists 5/31/11 report where she wrote “Mr. Schmittou is in a desperate situation”.
Earlier she wrote how MetLife “significantly destabilized” me when three more doctors they paid ignored medical evidence !!
My Psychologist also wrote the following quotes in an urgent letter to Assistant Secretary of Labor Ms. Borzi :
"His thoughts and emotions are so troubled he describes feeling “like my brain is on fire”. I think he struggles to express the fullness of his distress."
"In light of the violations Metlife has committed against Mr. Schmittou and Metlife's awareness of the additional harm caused him, Metlife's actions seem irresponsible, inhumane, dangerous, and reckless."
(end of quotes)
(end of quotes)
After seeing this and seeing the cases that prove MetLife has endangered multiple medical and psychological cases two DOL directors sent me a letter saying stopping violations is their “top priority”, but a few weeks later they sent letters saying there is nothing they can do !!
To see the full Psychologist’s reports please go to :
The DOL and DOJ are very aware that MetLife (and four doctors paid by MetLife) have also repeatedly ignored the fact that I have problems in my left eye which had orbital surgery and I have a defect where the bone was removed and my brain was exposed internally. (I am legally blind in my cancerous right eye!!)
MetLife’s consultant Dr. Osbahr wrote this flagrant lie in the report MetLife used to deny my claim :
“The medical information from his Optometrist and Ophthalmologist suggest that his visual ability was restored back to normal in the left eye.”
Please compare those words to the quotes you’re about to see from my Ophthalmologist/ right eye surgeon Dr. Wallace and my Optometrist Dr. Jessup.
Dr. Wallace is Chief of Ophthalmology at Baptist Hospital in Nashville.
These quotes are from a one page letter he wrote to me in 2010 in an effort to correct another doctor paid by MetLife who completely ignored many of the problems my vision causes.
“loss of vision in one eye and Nystagmus in the other eye can greatly affect someone’s lifestyle and someone’s ability to work in many occupations”
It is extremely damaging for Dr. Osbahr to write this flagrant lie in the report MetLife used to deny my claim :
“The medical information from his Optometrist and Ophthalmologist suggest that his visual ability was restored back to normal in the left eye.”
The MES Ophthalmologist Dr. Goetz (who is paid by MetLife reviewed the DVD of my left eye pulsing, but quotes below show he wrote it is my right eye pulsing. He said that is not a problem because my right eye has no central vision.
He is the second MetLife consultant who ignored my numerous written statements and medical records since 2001 where I said it is my, left eye that pulses.
The MES doctor has seen my written responses to MetLife where I repeatedly told them that it is my left eye pulsing. MetLife ignored this so much I wrote in bold print that it is my left eye pulsing, but they still falsely indicate it is the right eye.
This is very important because I am legally blind in my right cancerous eye (the distortions from it also cause huge problems I see in the image from both eyes combined.
Try to imagine also having the left eye image pulse with every heart beat, and you can feel the pulse and see many distortions.
But MES’s Dr. Goetz wrote this in his answers to MetLife’s questions :
“The DVD that was provided solely focused on the right eye, and did not provide any documentation of unusual movements in the left eye. While the DVD seems to suggest that the right eye may have some downbeat nystagmus, due to the patients poor central vision in that right eye, any unusual involuntary movements would not cause subjective complaints of Oscillopsia in the left eye.”
(End of quotes)
My left eye pulsing causes me tremendous problems and contributes to my falls and accidents ! I struggle greatly to type things like this because I am in a desperate struggle to survive. In 2004 I wrote to my Ophthalmic Neurologist and I told him I was happy if I could make it through a day without a fall or accident even in my safe zones !!
Typing adds to my risk of falls and accidents that even occur on days that I do not type.
(In 2010 the Network Medical Review doctor and the MetLife agent also called it my right eye and I repeatedly told them it’s my left eye.
In 2010 MetLife’s consultant Dr. Weber referred to this as “a blink, and followed by a down gaze and this was done repeatedly”.
I made a written request to MetLife asking if Dr. Weber is indicating that my eye movement is voluntary. MetLife did not answer.
This is not voluntary, my left eye pulses in sync with my heart beat.
My medical records show that I have reported my left eye pulsing to my treating doctors since 2001.
In 2011 the MES Ophthalmologist Dr. Goetz referred to the movement as “the right eye in straight and downgaze”
(please remember in 2010 MetLife’s consultant Dr. Weber referred to this as “a blink, and followed by a down gaze and this was done repeatedly”)
This left eye pulsing causes me tremendous problems and contributes to my falls and accidents, but MES’s Dr. Goetz intentionally minimized this by saying it is my right eye. He wrote this in his answers to MetLife’s questions :
“The DVD that was provided solely focused on the right eye, and did not provide any documentation of unusual movements in the left eye. While the DVD seems to suggest that the right eye may have some downbeat nystagmus, due to the patients poor central vision in that right eye, any unusual involuntary movements would not cause subjective complaints of Oscillopsia in the left eye.
(The left eye pulsing happens all day every day since the left eye surgery in 1990, but it did not cause a life or vocational problem until 2001 when my dominant right eye got eye cancer. I received seven management promotions after my left eye surgery in 1990, and the last promotion was to be National Field manager on TMG’s LEGO Toy Merchandising Project. I received a commendable performance evaluation and a raise but was terminated four days after they demanded my medical records.
(From the beginning I made it very clear that I shot the video myself and had to shoot it in a mirror and that causes a reverse image. This is notated in my medical records too !!
I’m amazed that I have survived the stress from all these lies while having so many surgeries.
DOL Enables Mass Murder and Reckless Endangerment Violating Fiduciary Duties By Failing To Protect Claimants
The Atlanta Regional Director of the DOL EBSA wrote the following quote in a letter she mailed to me after reviewing quotes from numerous U.S. Judges’ that prove MetLife and doctors’ paid by MetLife ignore life threatening medical conditions including Multiple Sclerosis, brain lesions, and cardiac conditions :
“Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law.”
(Written on 12/10/2010 by DOL Regional Director RC Marshall)
On January 26, 2011 Department of Labor Director of Participant Response Ms. Sharon Watson sent a letter from Washington saying :
“As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”
Ms. Watson closed by saying :
“At this time, there is nothing more EBSA can do for you regarding your claim.”
It took me four years to get the DOL to even acknowledge and respond to the evidence I submitted.
They responded when I placed a video on YouTube where the DOL agent repeatedly said “We can’t go against MetLife”.
Here is the DOL EBSA Statement of Purpose seen on their website:
“Under ERISA, the Secretary of Labor is responsible for protecting the rights and financial security of more that 150 million employee benefit plan participants and beneficiaries and for assuring the integrity and effective management of the private pension and welfare benefit system.”
In spite of this responsibility the DOL and DOJ have done absolutely nothing after four years of my repeated requests to have them stop insurance companies and the doctor’s they pay from ignoring life threatening medical conditions of very sick patients !!
At the same time MetLife, Unum, Prudential and AIG insurance have all rigged bids to increase their sales of these exact Health and/or Workers Comp policies !! No one was prosecuted as seen later !!
MetLife has just had two more doctors who indicated they read the reports from my psychologist, and then they completely ignored medical evidence including my extensive records of falls and accidents that have occurred since I developed eye cancer.
MetLife did this after signing its third Non Prosecution agreement regarding the sales of the exact type of policy that I have. In the agreement the DOJ wrote :
“all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs.”
"MetLife shall (A) commit no crimes whatsoever"
MetLife has received three non prosecution agreements for committing the same crimes in the sales of the policies. The Department of Justice wrote this in the lengthy Non Prosecution agreement that is seen at :
“It is further understood that MetLife has offered and made restitutionary payments to group policy holders”
I am very concerned that the Department of Justice and Department of Labor may be engaged in a treasonous adhering to enemies as mentioned in U.S. Title 18 § 2381. Treason
They provide restitution for the businesses that bought the policies, but they will do nothing for the very sick and dying claimants who are having their lives destroyed by MetLife and other insurance companies like mine and so many more have been !!
The DOJ wrote that they agreed to the Non Prosecution because of :
“cooperation with the DOL, IRS, FBI and USPIS in uncovering related fraudulent conduct; substantial and continuing remedial efforts, including the company’s agreement to maintain a set of internal controls, including comprehensive compliance standards and procedures”
Nothing can be further from the truth and the DOL and DOJ will do nothing to stop them !!
The DOL knows that claims delays cause stress to claimants !!
Department of Labor Chief of Policy Miranda Chiu and Loyola Law School wrote this in a booklet about Post Traumatic Stress Disorder patients like me :
“Delayed claim decisions add to the stress and anxiety of the claimants”
So the Department of Labor is very aware but they don’t care !! Additionally, I assert the stress is life threatening when they completely ignore your claim while you have no money for medical, and food and housing and beg them for help !!
MetLife’s new disability sales brochure shows they are very aware of the “devastating” problems disabled people have just from their disability alone !!
The title of Metlife’s Brochure is :
“Everything Changed in the Blink of an Eye. Putting a Face on the Emotional and Financial Impact of Disability
Here’s a quote from MetLife, :
“75% or more of survey respondents said their accident or illness had devastating or major effects on their lifestyles, as well as on their confidence and their emotional well-being. Clearly, there is considerable opportunity for employers to provide more effective information and guidance in order to help employees appreciate and understand the value of disability protection.”
(End of quote)
So MetLife uses the devastation caused by the disability alone as a sales tool, while MetLife is aware that the quotes from numerous Judges and my Psychologist have proven MetLife’s claims procedure violations are endangering many lives, and the DOL/DOJ will do nothing !!
There is extensive medical evidence that excess stress had devastating affects physically.
Google has 17,300,000 search results and here is a brief quote from Womans Day :
“Researchers at Ohio State University have found that stress can accelerate the progression of malignant melanoma, a particularly aggressive form of skin cancer. According to TheMedGuru.com, researchers discovered that the stress hormone norepinephrine produces enzymes that stimulate blood vessels to grow in melanoma tumors, speeding up the progression and spread of the tumors.
I have had a melanoma cancer burned from my eye and another one removed from my leg, a deep tissue cancer removed from my neck this March, and cancers keep reappearing at an alarming rate.
I am absolutely certain the stress that has been caused and continues to be caused by Metlife’s repeated violations in my case and my failure to get the DOL and DOJ to prevent this from happening to many more very sick patients has been very damaging to my physical health !!
There have been multiple times MetLife’s violations caused me to be without money for medical treatment. Soon I will again have insufficient funds for living and medical treatment because MetLife has just had two more doctors completely ignore medical evidence including my extensive records of falls and accidents that have occurred since I developed eye cancer.
These doctors paid by MetLife did this after they read my Psychologists quotes and letters that prove MetLife knew I often wished I were dead and I had no money for Medical Treatment because they continued to ignore my LTD Disability Claim for eye cancer !!
You can see the letters at :
MetLife also refused to provide the early intervention and vocational help and help applying for Social Security that their policy requires them to do.
Their continuous violations of law and delays caused such a disruption in my life I was completely distracted from even getting proper medical treatment and there was no way I could file for Social Security while fighting Metlife’s repeated multiple violations going on at once !!
Brief examples of additional evidence I have include :
During the time that MetLife signed their third Non Prosecution agreement for rigging bids to increase sales of policies they engaged in the following complex fraud :
February 9, 2010
Metlifes Procedure Analyst Anna Monaco claims to have sent faxes to three of my doctors that I have not seen in the last eight years.
February 6th 2010
was the deadline for my doctor’s to submit comments if they did not agree with the lengthy report that was prepared by Metlife’s consultant Dr. Weber.
Dr Weber never saw me and never spoke to me.
** Please note the deadline for my doctor’s to respond occurred three days before the faxes were even sent to my doctor’s.
My doctor’s were told “if you are not in agreement with the independent consultants opinion, please submit clinical evidence in support of your conclusions.”
Since I had not seen these doctors in the last eight years they had not seen my medical records for the last eight years.
Later I learned that only one of these doctors actually received the fax from Metlife.
You can see how MetLife completely ignored very important quotes from my doctor who did respond six weeks later. Please go to :
I am certain their lack of action is enabling the insurance companies who will destroy many thousands of lives this year !!
** I have had cancer burned from my right eye and surgery on my left eye where the eye was removed from the socket and my brain was exposed internally. A mass and bone shielding the brain were removed. I have many bloody and accidents that have been completely ignored by multiple doctors who were paid by MetLife, and the DOL does not care.
About three weeks ago I had a bad fall and was fortunate I did not break any bones. Four days later I turned into a door frame and hit my head so hard I almost knocked myself out and I had a painful bump on my forehead and pains that radiated all over my head and face. A few days later I opened a door into my forehead and had a bloodly painful cut.
I have sacrificed my life to try to stop the insurance company’s criminal violations from destroying many more lives.
During the exact time of Metlife’s violations my mother has advanced Alzheimer’s and MetLife has two more medical doctors ignoring my medical conditions. They also did this in 2008 while my father died and I needed all my abilities to help him, including while he desperately struggled for breath in his last hours.
The DOL and DOJ have received multiple letters that prove I feel a tremendous responsibility to get them to stop MetLife and the other insurers from destroying thousands more, and their refusal to stop them causes me to have nausea, nightmares like I’m in tornados, and extreme sleep problems. I have had two more tornado nightmares in the last month.
My right eye surgeon Dr. TrentWallace has banned me from calling his office because I simply asked for him to respond to MetLife’s latest report gthey sent to him, or just send them a one sentence letter saying he did not have time. MetLife’s report was written whetre a Non response meant agreement !!!
Wallace always talked to the Doctors’ paid by MetLife the same day they called, but now I am only allowed to communicate with Dr. Wallace through his attorney.
They ignored the following statement :
“Dr. Wallace,
#1
My left eye is so unstable I think we should reconsider unplugging the right eye because it is causing such distortions in the image I see, and my left eye is already struggling with nystagmus and images that pulse in sync with every heart beat.
#2
The large number of serious falls and accidents that my visual problems have caused me to have since 2001 have not been stopped by the limitations recommended my treating surgeons and Physicians and Metlife’s consultant Ophthalmologists. Some examples are seen in the exhibit titled Falls and Accidents Short List
#3
I am in danger because of quotes that MetLife’s consultants have attributed to you that indicate I have no limitations. These quotes have become a part of my permanent medical records with my treating physicians. There are also profound quotes from your April 2010 letter that MetLife is ignoring. These quotes are seen in the evidence exhibit titled Dr. Yanik wrote that Dr. Wallace said I have no limitations. This exhibit is seen at the end of this email and letter.
Please let me know if there anyone I should see regarding how to live safely; MetLife was supposed to provide me with early intervention and vocational help, and help applying for Social Security, but instead MetLife ignored my disability claim for years.
I believe the limitations I’ve written below are my only hope to help me lessen my falls and accidents.
(end of requests that were not answered by Dr. Wallace)
Full details can be seen at :
On Page 7 of Magistrate Judge Bryant’s Order that was filed on 1/25/07 in my civil case. Honorable Judge Bryant has written,
“In particular, plaintiff has already more than sufficiently alleged defendants’ “fraudulent” abuse of prescribed claims procedures, and his citation to criminal provisions of Title 29, United States Code are futile inasmuch as the enforcement of such provisions “is the exclusive prerogative of the Attorney General.” West v. Butler 621 F.2d, 244 ( 6th Cir. 1980)
I have been to the FBI’s office and the U.S. Attorney’s office in Nashville numerous times, and sent thousands of communications asking for help, but no one will lift one finger to help !!
Thousands of lives are being destroyed because of the Obama and Bush administrations refusal to stop these deadly crimes against very sick and dying human beings who file claims in five different types of insurance!!
I pray God will help cause someone to take action to stop these deadly crimes !!
More details of the DOL’s failure to stop identical crimes in five types of insurance is seen at :
This evidence has taken many painful years to compile, and I have much more evidence that I will post at www.additionalevidence.blogspot.com in the future when time permits !!
