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Corporate Crimefighters Newsletters UNUM,ACC, Fraud, Corporate crime.

#81 User is offline   Tomcat 

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Posted 10 April 2006 - 09:15 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- April 9, 2006

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PUH-LEEZE PUT ME ON YOUR WHITELISTS

Since I changed my email addy to [email protected] I'm getting mail from people I can't reply to because their spam filters are blocking me. Puh-leeze put [email protected] on your "allow" or "whitelist" Some of you may think that you can get my mail because you get the newsletter, but that comes from zinester.com, not from my personal address above. If some of you have written me and gotten no response this may be the reason.

Actually, there is not much Unum news and that may be part of the reason. No one is able to get through to me. I also just realized some of my other sources may be writing to one of my old email addresses: [email protected] or [email protected]

Both of those addresses are now DEAD, so send everything to [email protected]

Other news: I decided to postpone Arizona and travel cheap, around campsites, for a few months or more. I've been taking care of other people for a long time - two years with my dying parents, then Judy when she was having operations and health setbacks and legal challenges. Before that I was helping an Allstate victim restore her property and win her claim. That's been about five years heolping people. Judy is now doing better and has found a good health aide so it seems to me it's time for a break.

This doesn't mean I'll be abandoning the cause. If anything, not being an aide de camp may give me more time and inspiration to make trouble ;') I could even go down to Chatanoogy and picket Unum HQ. One reason I switched to google mail is I can download it from anywhere and not be tied to an ISP, or even a computer if I find an Internet kiosk.

The only drawback is I'll have to dig into my spare change to buy a portable computer - and one that I can see - the one here, which Judy needs, has a really dim screen and my vision is not too sharp. The brightest screen I've seen seems to be the Toshiba Satelllite. Hopefully I can find a bargain price on one with a lot of memory and a good battery, since I'll have to do all my business from it, and put two five hundred megabyte sites onto it. I shudder at transferring all my programs to it, since $#!@ Windows makes that sooooo hard with their rotten Registry, that ties you to one computer. Why Bill Gates has worked twenty years to make his operating system ever more difficult and buggy and costly is beyond me. American ingenuity at its best ;')

So, to reiterate, make sure you put [email protected] on your spam whitelists.

Also, since I'll be travelling, but don't know to where, anyone who wants me to drop by, please send me your name, address, email addy and phone number in one letter so I can easily refer to it. Don't wait too long or send the info in different emails, which sometimes happens - I'll print them up so I can refer to them as I travel. I figure I should see this land before wars, deficits,incompetence, corporate corruption and global warming put it all down the tubes.

Not much else with all this email confusion. Now that it's cleared up I should be getting my regular sources.

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A NICE QUOTE

Interesting quote from Congressman Gene Taylor whose house was destroyed in Katrina and who has found that even the governing class is not immune to insurance fraud:

"There ought to be a national register of child molesters and insurance company executives because I hold them in the same very low esteem."

Quoted on a CNN program aired 2/19/06. regarding the Congressman's Town of Bay St.Louis after Katrina.


Webmaster's comments: What is interesting is my source immediately fact-checked when I mentioned I'd post it. They know I try to be journalistic about facts. In fact, I think I'm Much more accurate than the NY Times and Washington Post, who make major blunders all the time. Remember the WMDs that weren't? Simple research could have turned up doubts but their reporters and editors were too lazy and spoon-fed by government propaganda to do that. I turned up the truth, but they couldn't. I warned long ago that this was a bogus fact. After nearly ten years with the insurance industry I can smell a lie a mile off.

I have given information to a number of reporters about Allstate, Unum, et al, only to see it mangled, mashed, diluted and misrepresented by the time it got to their pathetic and laughable stories. I have no respect for the rotten American media or journalists any more. They are worthless and a curse to democracy since we soon won't have one if they keep misreporting the news. Remember how Congress killed the right Americans had to go bankrupt, even though half of all bankrupticies are caused by medical problems? Instead of fixing the medical system that causes bankruptcy, they punish the sick. This will hit hardest on health and disability insurance victims, of course.

The point is, until this bill was impossible to stop, even though it was important to every American to know a basic right was being stolen, the corporate media barely reported it, if at all. I was reporting it but who listens to me ;')

But the corporations wanted this bill passed, so most folks heard nothing about it. I asked everyone I met and no one had heard of it until too late. Most people Still don't know about it, thinking they can go bankrupt if they hit a really hard spot, caused by greedy corporatists who will Never hit a hard spot

This is just One example of how you are not getting the news. In fact, the public now gets to little true news, or far too late to close the barn door, that it's frightening. It's a major reason we are in the mess we are in. We suffer under a rotten media that ranks somewhere below Bulgaria in press-freedom, according to one study. Honest to God, I see more about what is going on in America in the British press than I do here. Heck, you are more likely to find out what is really happening in Washington from Pravda than from the Washington Post.

(Just for the heck of it, joke or not, I went and checked Pravda. I must admit the one article I really found interesting, since I am approaching that problem and love caffeine, is that German researchers have discovered coffee cures baldness. It's off to Starbucks for me ;') Now, if only they confirm Woody Allen and find cheeseburgers and twinkies are good for you, I'll be living a healthy life. Otherwise, I'm doomed.

Seriously, though - search the Internet for the truth and visit www.fair.org , www.projectcensored.org and www.tvnewlies.org for suppressed stories, and don't beleive what you see on TV. Actually, it's what you don't see on TV. Most of the harm is caused by selective editing - by leaving out the bankruptcy bill while telling endless stories about Paris Hilton, for instance.

Hey, dont forget to put me in your whitelists and send your contact info if you want me to drop by, if I happen to be in your state, wherever that is ;') I am off to look at portable computers and see if I can talk down the guys at Circuit City. If you can bargain on the price of cars, why not computers?

I'm working hard and hope to have the site redone and transferred to a new server before I leave. I know, promises, promises - the site is a visual disaster, but it has the saving grace of being True, and telling truths you won't see in the newspapers. Some of my time is spent studying design and rusty web-tricks. I'm a word-guy and no good at design, so it's a hard thing to get into my head. I seem to be studying more now than I did in college ;')

Good luck to all of you. Maybe next year truth and justice will start to win, and monstrous companies like Unum will start to lose (I say that every year but I'm an optimist.)
Heck, did Any major media even report that Unum was investigated by nearly every state in the union? I didn't see it, but then I take my own advice and don't watch TV that much, except for Stargate, my favorite show. (I'm trying to find a Stargate and get off this corrupt planet - but there are probably crooked politicians, CEOs, reporters and judges in outer space, too ;')

What do you call a lawyer with an IQ under sixty? A judge.

Jim Mooney, webmaster
www.corporatecrimefighters.com

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HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
261 'B' Bumstead Rd.
Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: www.micethatroar.com www.corporatecrimefighters.com

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
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#82 User is offline   MG 

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Posted 10 April 2006 - 12:41 PM

State Fines Insurer, Orders Reforms in Disability Cases
By Peter G. Gosselin, Times Staff Writer
October 3, 2005


California insurance regulators today will announce that they are fining the nation's largest disability insurer $8 million, requiring the company to reopen as many as 26,000 California cases and demanding that it alter the policies it sells in the state to include greater consumer protections.

The regulators said they intend to impose similar policy changes on all firms licensed to sell disability insurance in the state. Independent legal authorities said the changes will give disability claimants new rights to win court review in disputed cases, a precedent they said could spread to other kinds of insurance, such as healthcare coverage.

The action, which will come as a settlement with Chattanooga, Tenn.-based UnumProvident Corp., could substantially alter how insurance is regulated in California — and perhaps the nation as well if other regulators follow the state's precedent.

The action will be substantially stiffer than a settlement last fall between the company and regulators in 48 other states in which officials made no formal findings of wrongdoing but only identified "areas of concerns."

By contrast, California regulators will charge UnumProvident with more than 25 violations of state law, allegations that the company will neither admit nor deny in favor of settling the case.

Among the charges: that the company knowingly applied the wrong legal definition of disability in denying claims or ruling claimants were able to go back to work, targeted high-cost claims for denials to save the firm money, misused claimants' medical records and even the opinions of in-house medical personnel to deny benefits and wrongly sought to file cases under a federal benefits law that severely limits claimants' ability to successfully sue their insurers.

Regulators said they uncovered violations of state law in nearly one-third of a random sample of about 1,000 claims handled by UnumProvident.

"UnumProvident is an outlaw company. It is a company that for years has operated in an illegal fashion," said California Insurance Commissioner John Garamendi. "Our settlement is designed to make it a poster child of a legal company."

Garamendi is scheduled to announce his agency's settlement with the company at two news conferences in Los Angeles and San Francisco later today.

Reached Sunday, UnumProvident Chief Executive Thomas R. Watjen said he could not comment on California's allegations because details of the firm's settlement with the state were still being worked out. But Watjen suggested that the regulators' action is based on an outdated examination of company operations from 2000 through 2003.

"We've gone through an enormous amount of change in the past few years. Any review that was done a few years ago doesn't reflect the new UnumProvident," he said.

The changes include Watjen's replacement of longtime UnumProvident Chief Executive J. Harold Chandler in 2003.

News of California's tough action comes two months after a Los Angeles Times story detailed extensive problems at UnumProvident and other major disability insurers. The paper traced many of the problems to a series of court decisions concerning federal benefits law, which have blocked states from providing consumer protection for a wide array of employerprovided benefits including healthcare, and have limited claimants' right to sue.

Disability insurance is designed to replace half or more of a person's wages if they are incapacitated by illness or injury. More than 50 million Americans are covered, most through their employers. UnumProvident, with half the U.S. market, covers 25 million.

Under the firm's settlement with the state, UnumProvident policyholders in California whose claims were denied or whose benefits were terminated since Jan. 1, 1997, will be able to request that the company reassess their case with an eye to starting or resuming benefit payments.

But unlike a similar reassessment process set up by the 48-state settlement last fall, those dissatisfied with the company's review of their claims can appeal to an independent reviewer to be chosen jointly by the state Insurance Department and the company.

The settlement will require UnumProvident to change the language in all new — and some existing — California policies in several ways that favor consumers. For example, it will force the company to remove limitations on benefits for "self-reported" conditions such as migraine headaches and fatigue, which are impossible to measure objectively but can severely disable people.

It also will restrict the firm's use of a 24-month limitation on benefits for "mental and nervous conditions." UnumProvident repeatedly has been accused of wrongly categorizing claimants as suffering from such conditions, rather than physical ailments, to reduce what it must pay them.

The settlement will require the company to drop its court challenge to Garamendi's order outlawing so-called "discretionary authority" in policies. Discretionary authority language effectively makes the insurer the final arbiter of most disputes involving policies, and means that claimants' suing the firm have had to prove not simply that the company's decisions were wrong, but arbitrary and capricious — a difficult standard to meet.

State Insurance Department officials said they will call a meeting of other disability insurers for early November to discuss the new requirements, and will take regulatory action against those who refuse to adopt the policy changes.

"What we're saying to any company operating in this area of insurance," Garamendi said, "is it has to stop screwing its customers."

Additionally, the planned settlement "will undoubtedly bleed over into healthcare and give claimants a better chance to make their case for coverage," said Mark D. DeBofsky, a partner with the Chicago law firm of Daley, DeBofsky and Bryant.
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#83 User is offline   Tomcat 

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Posted 01 May 2006 - 09:36 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- April 30, 2006

Exposing the Crimes of UnumProvident and other insurance companies

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THE BUNK CALLED HISTORY

Since I exposed the worthlessness of the laughable liars called "journalists" in America, in the last post, I thought I'd quote this nice passage about "history," at least the fraudulent rot that is taught in most high schools (and colleges). Given that reporters are largely bought or brainwashed liars, most history has been written by liars long dead:

Quoted From: "The Little Purple Notebook on How to Escape From the Universe"

History, the account of things that happened as it is known now, consists of the records of the survivors, filtered and augmented by the victorious parties, and prepared for general consumption by the slaves of the rulers of mankind - whoever that may have been at the time.

In the process, entire libraries have been burnt down. Opposing or revealing opinions have been eradicated to hide uncomfortable or contradictory news.

Thus, 'history' as such has not only been falsified _once_ by the representants of the 'establishment', but it consists of a _string_ of falsifications, each layer adding yet another twist onto a mud pie of convoluted presentations of asserted 'facts'.

A difficult task for a professional historian, if s/he would honestly try to find out what really happened. But then, historians get paid by institutions of the current governments - see above. And nowadays, they can take pride in having their fictions called 'science'. As long as they say what is currently 'politically correct', that is.

--Maximilian Joachim Sandor

Webmaster's comments: Here is one instance of history as lies. Our current leaders want to abolish the inheritance tax (which only kicks in on Large inheritances, not the small ones you have been led to beleive), and often cite the Founding Fathers, etc. Too bad Thomas Jefferson was totally against large inheritances, since he beleived that "The earth belongs to posterity." In other words, huge inheritances give the inheritors too much of an advantage over future generations, allowing worthless children to own too much of what should be equally and fairly competed for by all their peers. You will never read about this in most history primers, of coursem since it would be far too radical for a sainted Founding Father. Just as you will never read that any American jury can strike down any rotten law they choose. We are kept from knowing much about both our true history and our true freedoms.

A good book to read in this regard is "Everything You Know is a Lie" ;')

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UNUM DOING QUESTIONABLE ACCOUNTING AGAIN

The $675 Million Solution By Jonathan R. Laing Word Count: 1,631 SOMETIMES, THE DEVIL IS TRULY IN THE DETAILS, at least when it comes to reporting by insurers.

Usually, around the time they disclose quarterly earnings, publicly traded insurers file financial statements with state regulators. These filings are bulky, numerous -- the companies often have several units domiciled in different states -- and offer a crazy quilt of abstruse tables. They're easy to miss or gloss over.

Not surprisingly, then, no Wall Street analyst other than Credit Suisse's Thomas Gallagher, an avowed skeptic on the stock, seems to have noticed an important pearl that the largest U.S. disability insurer, UnumProvident (ticker:..

Webmaster's comments: This teaser if from the recent Barron's, but I don't have a subscription to access it. If anyone can get a copy, email it to me at [email protected] Unum has been doing funny accounting and illegally robbing their reserves for years, but as usual, no one in government is going to do anything until After it all comes crashing down.

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IF YOU HAVE QUERIES ABOUT UNUM POLICIES AND PROCEDURES while I am traveling, please email this expert:

[email protected]

BTW. I'm still not getting all the Unum mail I used to. I hope everyone realizes the two old email addresses, [email protected] and [email protected] are INACTIVE. Please send any mail to Jim Mooney at [email protected] thanks.

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INTERESTING LINK

http://courts.state....0413/05-919.htm

shock due to administration of a drug during surgery is treated as something else, of course, so unum can escape paying.

A typical unum cheat on life insurance

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ECONOMIC NEWS

Webmaster's comments: As you all know, I like to include economics and some politics as it relates to insurance; when you get to the heady regions of multibillion dollar companies, it's all tied together. I just want to warn our readers again, that despite all the rosy and phony pronouncements of economic well-being, it ain't so. Things are going South. Batten down the hatches and prepare as best you can

Linkname: PrudentBear.com - The One-Stop Shop for the Bear Case URL: http://www.prudentbear.com/archive_comm_ar...asp?category=Gu est+Commentary&content_idx=53549 Date: Fri, 21 Apr 2006 19:46:10 GMT __________________________________________________________________________

Guest Commentary, by Chris Meyer
Shadow Statistics
April 20, 2006

Christopher Mayer is editor of the Fleet Street Letter. This essay was originally published by the Daily Reckoning.

"Listen," I interrupted, "what nationality are you?"
"I'm English," she replied. "That is, I was born in Poland, but my father is Irish."
"That makes you English?"
"Yes," she said...

- Henry Miller, Tropic of Cancer

Ben Bernanke, Fed chairman, recently delivered an upbeat view of the U.S. economy. It was cheerful, optimistic...and delusional.

The official government statistics hide many warts on the face of the U.S economy. Like makeup dabbed on an aging film star, they are an attempt to cover the wrinkles and present a veneer of youth. To most people, this is no revelation. Like plastic surgery and tummy tucks, it is what stars do to keep up appearances.

However, few know the extent of the deceit. What if you learned that inflation were closer to 7% than to the official 3%? What if unemployment were closer to 12%, rather than the official 5%? What if the economy were actually contracting, as opposed to growing?

What follows is a partial peek at the economy - sans makeup. And, more importantly, what it means for you and your hard-earned dough.

It was the genius of writer George Orwell that he chose to build his dystopia on the foundations of language and information - how it is used to deceive, manipulate and control. His chilling novel 1984 stands out precisely because it is only a distortion of things that are happening now and that have always happened. Orwell's dystopia is a mirror in a funhouse, as you see enough of your own world in this disturbing reflection.

Thankfully, there are still some people doing the important work of getting at the truth behind the official statistics - piercing the veil of Newspeak, sweeping away the cobwebs of sham. John Williams is an economist dedicated to doing just that. His Shadow Government Statistics reveals the extensive rot under the floorboards of the U.S. economy.

Let's take the official inflation rate, tracked using the consumer price index, or CPI. The idea behind the CPI is to have a fixed basket of goods and track how the prices of these things change from year to year. It only gained prominence after World War II, as a way to adjust autoworkers' labor contracts, a practice that soon spread.

Over time, its importance grew and more people looked to it as a gauge of general price inflation - and, hence, to get a feel for the health of the economy.

The thing is, the way the CPI is calculated changed dramatically over the years. Politicians have figured out that these statistics are useful in winning elections. Ergo, nearly every administration has altered the calculation. And always, the changes made the CPI lower. Every effort to change the CPI, by design, aims to make the economy look "better" than it looked before the changes.

The accumulation of these changes creates a huge difference over time. It's like making a series of small changes to a ship's course in the midst of a long voyage. Soon, you wind up way off course, miles and miles from where you think you are. The chart below on William's Web page shows the extent of the difference, which is just massive. The rate of inflation using only the pre-Clinton era CPI is closer to 7%!

The "Experimental C-CPI-U" is another innovation, introduced by the Bush administration to lower the CPI yet again, once again to paint a kinder portrait of the old hag known as the U.S. economy.

But it's about more than just making the economy look better. For example, since increases in Social Security payments link to the CPI, a lower CPI also saves the government money. According to Williams, if you used the CPI when Jimmy Carter was president, you'd get Social Security checks 70% higher than today's levels. Yes, 70% higher.

The government also duped all those people who thought it was such a great idea to buy TIPS (Treasury inflation-protected securities). Changes in the CPI determine the interest paid on these bonds. The higher the CPI, the more interest paid to bondholders. Some people loved the idea, figuring here was a bond that would keep pace with inflation. Given the government manipulates the CPI, you can be sure the interest rate paid will not keep pace with inflation - nor has it ever.

The manipulation of the CPI explains the great disconnect between what the man in the street feels when he pays his bills and what the confident, well-dressed Fed chiefs and politicians try to tell him. The cost of living is rising a lot more than they want you to believe. At a 7% annual rate of inflation, the cost of living would double in about 10 years. Looked at differently, the purchasing power of your dollar will fall in half.

What about unemployment? The government, since the time of the Kennedy administration, has been changing the definition of "unemployed." Again, many small changes over time lead to dramatic end results. According to Williams, if you back out the changes, you get an unemployment number closer to 12%!

Let's look at the federal deficit - basically, the amount of money the government is losing every year. The official deficit for 2005 was $319 billion. However, this excludes unfunded Social Security and Medicare obligations. Throw them into the mix and calculate the deficit the way a business does in its financial statements - and you get an annual deficit around $3.5 trillion.

That's more than 10 times the so-called "official" deficit. By Williams' calculations, you could raise the tax rate to 100% - dump everyone's salaries into the U.S. Treasury - and still have a deficit.

Years of such deficits have created a mountain of obligations for the U.S. government. As Williams says, "The fiscal 2005 statement shows that total federal obligations at the end of September were $51 trillion; over four times the level of GDP." These debts are unsustainable. The bills must go unpaid. If the U.S. government were a private corporation, its bankruptcy would be beyond dispute.

This is why Social Security and Medicare are not going to exist in the not-too-distant future. As Williams says, "There is no way the government can pay the Social Security or Medicare it has committed to."

Williams believes GDP is contracting now. The government reported only a 1.1% increase in the fourth quarter. Even in an election year, and despite the government's best efforts to paint a pretty face, all it could muster was a measly 1.1%. More likely, the economy actually contracted 2% in the fourth quarter. This means we are in a recession NOW.

This is not conspiracy-theory stuff. As Williams points out, it's all disclosed in the footnotes in the government's reports. All he is doing is backing out many of the changes to more realistically compare these numbers with the numbers of the past.

The great H.L. Mencken, a scathing attack dog of idiocy in all its forms, wrote about "damning politicians up hill and down dale for many years as rogues and vagabonds, frauds and scoundrels." We need more Menckens. In the meantime, we'll have to make do with Williams and his cogent analysis of government skullduggery.

Oddly enough, these insights do not change our approach here in the pages of Capital & Crisis. In fact, Williams' work reinforces several things we've already covered in past letters. To wit:

Yields on real estate investment trusts (REITs) and utilities - to say nothing about the bond market - appear even more pathetic against an inflation rate of 7%. The yield for risks taken is simply not adequate. If the slumbering bond market awoke to the reality of a 7% inflation rate, there would be a sell-off the likes of which this country has never seen. Interest rates would bolt upward like a frightened cat.

And the U.S. dollar is a doomed currency over the long haul. Bernanke, the self-professed student of the Great Depression, accepts the mainstream view that the Fed's great mistake then was not to flood the system with dollars. He won't make that "mistake" again. Expect the printing presses to run day and night at full capacity when the trouble starts.

Trying to pin down the economy in precise numbers is futile anyway. It's too big, too complex. All macro statistics are severely flawed. This is why I seldom write about them. Investing using macro statistics is like trying to find the nearest post office with a globe. They are so vague as to be useless.

The basic idea I want to leave you with is this: The economy is far weaker than generally portrayed. Most investors ignore the rat's nest of risks and invest indiscriminately in stocks - without proper due diligence. As investors, we need to stick to our fundamentals more carefully than ever.

Opinions expressed are not necessarily those of David W. Tice & Associates, LLC. The opinions are subject to change, are not guaranteed and should not be considered recommendations to buy or sell any security.

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HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney 261 Bumstead Rd. Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com

Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
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#84 User is offline   Tomcat 

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Posted 26 June 2006 - 10:21 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- June 25 , 2006

Exposing the Crimes of UnumProvident and other insurance companies

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A LETTER FROM A READER

Webmaster comments: This is a good letter, showing once again, how rotten, corrupt
government and "regulatory" officials conspire with the insurance industry to
cheat claimants. (I apologize for the rotten formatting of this newsletter. I am doing
them from library computers that don't offer the editing tools I'm used to.)
---------------------------------------------------------------------------------------



I am glad to see that another "group" is out there fighting for our rights
too. If you haven't seen the almostbroken.com, take a look. Good stuff.

You are a special person. Don't forget it.a

You will always be my prayer that was answered. No matter what the outcome
of the re-opening of my file. I found the strength I needed to be a strong
woman and not let this kill me. With the knowledge, information and people
I met through you and this website, it made it easier to know I wasn't alone
in this madness. There was a place to go to ask questions.

Fondly,
Name Withheld


-----Original Message-----
From: christine [mailto:[email protected]]
Sent: Friday, June 16, 2006 4:51 PM
To: American Citizens' Group
Subject: Injured Workers To Confront Insurance Crooks At Secret California
Insurance Fraud Commission Meeting


Hi,
This it to announce that Almost Broken is now available to the public and
can be ordered from the Almost Broken website or www.mystatefundstory.com.
If you have not been to www.almostbroken.com lately, please take a moment to
do so and see why June 20th will be a historic day. I strongly urge anyone
that is able to take part in this rally in Sacramento. If you are not able,
please forward this along to anyone that may be able to attend. You have a
great opportunity to make a difference in how people are treated and to
fight the real fraud. Thank you for your support and please take a moment to
read about this pressing issue. Christine Pietz www.almostbroken.com
Injured Workers To Confront Insurance Crooks At Secret California Insurance
Fraud Commission Insurance Executives Regulating the Insurance Industry?
6/15/2006 by Steve Zeltzer Chair California Coalition For Workers Memorial
Day [email protected]

On Tuesday June 20, 2006, injured workers who have been terrorized by out of
control insurance company "insurance adjusters" will picket the meeting of
the California Insurance Fraud Commission at it¹s monthly meeting. They will
also testify about the refusal of the commission to investigate criminal
activity by the insurance industry. The meeting which will be held at a
private mall leased by this commission will be held under extreme security
conditions. "No weapons are allowed on the premises." says the agenda we
have received. The reason for this secrecy and privacy of this State of
California Commission is that it is run and controlled by the insurance
industry to regulate the insurance industry. http://www.insurance.ca.gov/
The latest appointment by governor Schwartzenneger is one Bill Zachry who
has been acting as chair of the commission and a member for nine years.
Zachary is also corporate vice president for workers' compensation at
Safeway. In other words, he helps Safeway fight workers¹ comp claims by
injured workers. In fact before he came to work for Safeway he represented
insurance companies like the Zenith Insurance Company and the C.E. Health
Insurance.

Zachary in a interview in the March 29, 2004 issue of the SF
Chronicle argued that insurance companies representing injured workers
should not be penalized if they did not pay injured workers on time. "What
has happened is that the claims adjusters couldn't say no,'' he said." As
most doctors and injured workers know the failure to get timely treatment
often means that the injuries deteriorates and what could have been a small
injury turns into to a catastrophe for the worker and his or her family.
http://www.sfgate.com/cgi-bin/article.cgi?...MNGK75SR7H1.DTL
Most people of California assume that there is some sort of regulation of
the insurance industry. What they don¹t know is that the commission that was
established to seek out fraud in the insurance industry is in fact it self
run by insurance company executives that have been appointed and reappointed
not only by Governor Schwartzennger but also former governor Gray Davis and
this commission has been run by Democrat Garamendi, If you go to the
California Department of Insurance web site you will be unable to find out
who the members of this commission are, when it meets and the minutes of
it¹s meetings. This is no accident since this "secret" commission is in fact
run by the insurance industry. The latest appointment by governor
Schwartzenneger is Bill Zachry who has been acting as chair of the
commission.

Zachary is Corporate vice president for workers' compensation at
Safeway. http://www.prweb.com...prweb393152.htm
In other words he helps Safeway fight workers¹ comp claims by injured
workers. In fact before he came to work for Safeway he represented insurance
companies like the Zenith Insurance Company and the C.E. Health Insurance.
Zachry in a interview in the March 29, 2004 issue of the SF Chronicle argued
that insurance companies representing injured workers should not be
penalized if they did not pay injured workers on time. "What has happened is
that the claims adjusters couldn't say no,'' he said." As most doctors and
injured workers know the failure to get timely treatment often means that
the injuries deteriorates and what could have been a small injury turns into
to a catastrophe for the worker and his or her family.
http://www.sfgate.com/cgi-bin/article.cgi?...MNGK75SR7H1.DTL

Zachary and his fellow corporate executives played a crucial role in helping
to deregulate workers¹ comp in SB Bill 899 which was pushed by the governor
and supported by nearly the entire legislature. For his yoeman¹s work,
Zachary was awarded the 2005 Richard W. Bland
Memorial award by the insurance industry.

"One of Safeway's growers, with Zachry's involvement, became a primary
contributor and collector of signatures for a voter's initiative which would
mandate changes to California Workers' Compensation Law. The result of his
work, in addition to the work of many others, culminated in the successful
passage of California Senate Bill 899. This bill significantly overhauled
workers' comp in California. It provides for immediate treatment of injured
workers while alleviating the factors that led to excessive cost on
employers. http://www.insurancejournal.com/news/west/...04/18/53877.htm
Instead of going after potential rico conspiracy by the insurance companies
to avoid paying legitimate claims by injured workers who they admit have
been injured on the job, the insurance industry investigators and the
District Attorney¹s are refusing to investigate and prosecute this criminal
activity. In fact, these same DA¹s are getting funding from the insurance
industry controlled commission have been targeting injured workers and in
some cases even jailing these injured workers on trumped up charges.
"Garamendi¹s insurance fraud unit is quick to bust small fry work comp dead
beats, while investigative folders of corrupt attorneys, several feet thick,
see no follow-up action and collect dust" said injured worker Larry Nign
who has been targeted by the State Fund Insurance Company.

http://www.mystatefundstory.com CNA insurance company adjusters have
personally threatened injured healthcare worker Rachel Williams and her
family with death unless they "shut up". Injured police officer and former
president of the Tracy Police Union Jennie Moore was charged with felonious
workers¹ comp violations although she had already had intensive surgery on
her back by the University of California in San Francisco. Anita Blick, a
police dispatcher for the City of Atherton who shattered her knee on the job
was not only harassed and terrorized by the City but the San Mateo District
attorney actually filed criminal charges against her for not reporting to
her doctor that she was driving. Blick who lives in La Honda, California
needs to drive to the grocery store and the doctor since she lives in a
rural area. http://www.workersme.../streaming.html
One of the workers testifying about criminal activity by the self-insured
industry such as Safeway and Kaiser is injured nurse practitioner Barbara
Clark. Clark http://www.barbclark.org who was injured while delivering a
baby at a Seventh Day Adventist hospital in Bakersfield was refused medical
care by the self insured religious hospital chain.

She has been terrorized
by chain's management releasing private medical records to pharmacists and
other non-medical staff and even faced a criminal effort to drive here and
Larry Nign off the road. Clark has lost her home and all her possessions.
Clark has filed a Rico complaint against the hospital chain and also a
complaint against John Rea, Director of the Department of Industrial
Relations DIR for failure to enforce the laws and regulations that
self-insured employers are under. The Seventh Day Adventist church and Rea
in an effort to quash the lawsuits went to federal court in Sacramento to
get a Federal judges to rule that she was "incompetent" and could no longer
handle her own affairs. The judge quickly through this malicious complaint
out of court and the suits continue. The logic of the the deregulation of
the insurance industry which supported by not only the the Governor, the
Republicans but also the Democrats in the legislature is now helping to
destroy the lives of tens of thousands of workers injured on the job.

The
insurance companies are no longer penalized for refusing to care for injured
workers and their families. As a result some workers have committed suicide
and many others have had their lives and the lives of their families
destroyed. At the same time the profits of billionaires like Buffet who
conributed hundreds of thousands of dollars to the governor and other
insurance moguls has skyrocketed. In fact, the Democrats who control the
legislature are still concerned to protect the profits of these insurance
manipulator and simply want to make them behave "better". What in fact is
taking place, is the Wal-Martization of the insurance industry where injured
workers are forced to go on SSI, California Disability Insurance and public
hospitals to get their care. These insurance companies are engaged in a
massive cost shifting fraud scam to avoid pay legally required costs of
injured workers and their families. The injured workers will be at the
Insurance Assessment Commission meeting at 9:15 AM in Sacramento at Tuesday
June 20, 2006 which is located 9342 Tech Center Drive, Suite 100 in
Sacramento. There will be testimony and a press conference at 1:00 PM.

Directions: From Highway 50, take off at Watt Avenue or Bradshaw Rd,
depending on which way you are coming. Folsom Blvd to Mayhew, Left onto Tech
Center Drive from Mayhew. It is a RIGHT on Mayhew.
http://www.mystatefr...om/protest.aspx

The DOI Fraud Unit is about 3 blocks from the TIBER regional transit stop.
See: http://www.sacrt.com...t/maps/R533.gif
Upon departing the train, walk south, away from Folsom Avenue. In 200 yards
you will cross Tech Center Drive. Make a left. Walk another 200 yards to
the corner building, Suite 100, DOI Fraud Unit.

//////////////////////////////////////////////////////////////////////////////////////


GOOD NEWS FROM VERIZON

According to my rumor mill, they have dropped Unum as a diaability carrier. Now, if only every other company in America wises up and does the same.

I was thinking of getting that new verizon phone that gives directions, since I"m always getting lost and AZ is a long way off. - this is an even better reason to do so ;') OTOH, a unum victim wrote me that Earthinlnk, her emplooyer, helped Unum screw her, so that's a good reason to go with Netzero (which is also cheaper.)

Jim

////////////////////////////////////////////////////////////////////////////////////////////////////

AMSOUTH IS STEALING MY DEAD MOTHER'S MONEY

Over a year ago my mother passed away, leaving me as beneficiary of a small account at AmSouth on Roosevelt Blvd in Jacksonville, FL.

I went there and presented her death certificate and my ID, and the bank officer told me to wait a while, so that social security could balance the account, since they often pull the last deposit. In the interim I went to Massachusetts to help Judy out.

After waiting more than enough time for SS to settle the account, I emailed AmSouth to send the beneficiary check to my Jacksonville address of record, since the post office was forwarding mail. There was no response.

I sent them postal mail and there was no response.

I called them, only to be told that the bank officer had left their employ and they could not find my mother's death certificate and my ID.

I sent another death certificate and ID and got no response.

I called them and was told I had to collect the small beneficiary account in person.

However, the gas and motel bills to and from Florida from Massachusetts, and loss of work income, would be almost as much as the nine hundred dollars in the account. I explained this to them, to no avail. They are just keeping the money that is mine, that my mother wanted me to have.

I then wrote a letter to their state licensing board but nothing was done. I also wrote the comptroller of the currency, and they were unresponsive. Anyone out there know how to get a crooked bank to give back your money? I thought Unum was bad, but these guys are clams.


I have started the whole round again with another email, and even told them I would put up a website - but again, there is no reply.

I am beginning to think there is some skulduggery involved. I once read that computer crooks will use the accounts of thousands of dead people to shift funds or skim interest, and perhaps my mother's account is one such. It also occurs to me that since there are a lot of transients in Fl, who stay a short while and move out, holding onto their accounts until they return, if ever, would be a "float" bonanza for a Fl bank.

I really can't think of what else to do. Travelling to FL to collect or hiring a lawyer would eat up the small funds that are in the account. The whole thing is insane. AmSouth goes across state lines and certainly does bank wire business in other states. It totally mystifies me why I must appear in person to close this small account. They are just a rotten bank.


///////////////////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney 261 Bumstead Rd. Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com

Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster
www.corporatecrimefighters.com
0

#85 User is offline   Tomcat 

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Posted 19 July 2006 - 02:51 PM

CORPORATE CRIMEFIGHTERS OF AMERICA -- July 18 , 2006


Exposing the Crimes of UnumProvident and other insurance companies

//////////////////////////////////////////////////////////////////////////////////////////////////////





MY SITUATION SO FAR





I just got into Arizona, but I can't get to my own computer. The house I'm staying in doesn't have good air conditioning yet, since I’m helping to work on it in exchange for free rent – at least not to handle an Arizona heatwave - and it's about 115 degrees every day here. Even with the AC on, I still don't trust using my computer, especially the liquid crystal screen, which won't take much heat.





Out of the frying pan into the fire. However, the landlady is Much, much nicer than my previous one - a real angel. (Although for some reason, nice people seem to attract creepy friends who build up their confidence, then lay in wait to take them to the cleaners – something I can see coming already. I guess it’s because if you’re generous and honest, you assume everyone else is and are easily fooled by snakes in the grass. It doesn’t help to warn people, though – as I’m sure all of you over twenty know. I gave up on that long ago. Folks never believe things until they happen and just get mad if you tell them what you see. But as older readers know, I’ve been predicting things a year or two in advance for a long time. So if I tell you something is going to happen it usually is. And of course, use predictors make mistakes in our own life since we get blinded by our preconceptions and emotions – or I’d be much richer ;’) That’s why it’s always good to ask the opinion of true friends if you suspect your judgment is skewed.






So although I really like the landlady, the accommodations of a house still in repair status with workmen all around just aren't something I want to put my expensive computer in. I can still do the newsletter, though - just can't do any work on the website.





Jim Mooney, webmaster - www.corporatecrimefighters.com





By the way, I put my url up there for a reason. Every time you write to a newsletter or bulletin board, if you include my url as above, I'll get a higher google rating, which means Unum gets a blacker eye.


Since I'm writing from a library without my favorite Html editor, things may be oddly formatted. Please be patient until I finish this job and get a place that will accomdate an expensive computer donated by one of our readers - which would make it double painful to damage.




///////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////





WHAT I SAID





I mentioned quite a while ago that the "privacy act" Congress passed was totally bogus and actually gave you Less privacy. As usual I was prescient. Jim can sniff a crook and a scam and a lying politician a thousand miles off and two years in advance. Here is a note from a reader:





I just want to let you know some info...which of course you have been harping about for a while now. Last week I had an interesting conversation with a head of medical records. She informed me that since the passage of an act known as HIPAA, medical records are now accessable to a huge list of government entities without patient consent or court order. She noted that prior to this act passing, she used to turn down secret service agents looking for information. Now of course, she cannot. Any hospital has to inform you of their disclosure of this information prior to your treatment, but not once it has been requested by an outside agent (unless you specifically request what's called an accounting of disclosures). However, most people don't recognize that by signing their forms, they are authorizing the hospital to share information. Also, a hospital or health care organization that is covered under HIPAA cannot turn you away, because you refuse to sign their forms. So, I think it may protect you to not sign any forms that the hospital or other HIPAA covered entity wants you to sign. If you have signed forms in the past, I believe you have the right to revoke your consent for them to share information. You may want to check into the possibility of preventing them from ever sharing information without your consent or court order, by simply sending the hospital and the insurance provider a notice of your wish to revoke your consent to give out this info.





///////////////////////////////////////////////////////////////////////////////////////////////////////

FOX GUARDS HENHOUSE


The new volunteer director of the MS society works for Unum, the insurer that denies more MS and autoimmune cases than anyone else in the nation. Gee, I wonder how that happened. Surely it's just a coincidence. Can someone say "conflict of interest"?





So an MS sufferer sends private info to the MS Society, hoping to get help, and if a high officer in the society, who has access to all records, also works to deny claims to MS sufferers; is this kosher? I'm not saying it's being done, but it sure doesn't look right to me.


//////////////////////////////////////////////////////////////////////////////////////////////////////






CASE RIGGING






Here's an interesting observation about ERISA Lawsuits.


I have searched on Pacer to see how attorneys filed the


initial paperwork.. If it is done properly the lawyer is supposed


to file against UNUM and the former employer's disability benefits


policy. A strong indication that there may be case rigging is that when


the attorney doesn't not file against your former employer they are in essence


protecting the former employer, it is still the employer's


policy and they are responsible, but if there is case rigging then they don't file


against your former employer along with Unum. In all the cases I found online


where the attorneys from Boca Raton Florida are representing UNUM, the attorney for the


plaintiff does not file against the former employer which they should do according


to ERISA Law. As well, the dockets are short and people settle fast.





This pattern goes back many years. With other cases where the attorney for the plaintiff files against the former employer as well, then the docket is longer which means they go through more hoops in order to settle and the attorney for the plaintiff seems to fight more for and represent the plaintiff better. I found this to be an intersting observation. Remember a few years back


we talked about UNUM jamming the lowball offers down peoples' throats. That's exactly what they are doing and there is a cut off number where the attorneys can settle without asking permission of UNUM...When people accept the lowball offers all the attorneys involved and UNUM make out big time.


Name Witheld


////////////////////////////////////////////////////////////////////////////////////////////


HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney 261 Bumstead Rd. Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com


Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster
www.corporatecrimefighters.com
0

#86 User is offline   BLURB 

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Posted 29 July 2006 - 12:28 AM

Jocko, you may already know this but if you start with AON NZ Ltd (Parent co in USA) you may just very well find the connection you're after.

BLURB ;)
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#87 User is offline   Tomcat 

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Posted 03 August 2006 - 02:27 PM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Wednesday, Aug 2 , 2006

Exposing the Crimes of UnumProvident and other insurance companies

//////////////////////////////////////////////////////////////////////////////////////////////////////


ABOUT OUR WEBSITE

Sorry about the paucity of newsletters and info lately. Preparing, moving, and adjusting to Arizona's awful heat and other problems got in the way.

As a short note - the reader who got paid on the multistate settlement only got about $5K after years of waiting and of course there is then the dreaded social security adjustment. Frankly, I think what Unum is doing is rigging the numbers to fool the multistate. They pay off all the tiny claims so they can say they paid off a big Percentage - but they are stalling on the big claims. So the percentage is only by Persons, not by money owed. It's a clever trick they use when they cite claim payment statistics.

Now on to the website. It is down . And it has to go up soon or I'll lose my high Google ranking and fewer people will be warned about UnumProvident. Right now you put the site in Google and I'm up there with the corporate site, unless I've dropped rank already. If your site is down you get downgraded. Just today a Unum victim wrote they needed info and couldn't get the site, so I do feel bad that it is down.

Here is the problem. When I got to AZ my car broke down after the long trip and I was the victim of an auto repair bait and switch, which on top of all my moving expenses, took most of the spare cash I had. And of course, I then found out that my server hosts had gone out of business or dropped me. As you may recall I was complaining about them. Everything happens at once, as usual.

So I have to contract for a new business server and also a year of high speed internet since it's a huge site and I need that to upload and maintain the entire mess. I no longer have access to Judydoc's net connection or support since she's in Mass, not AZ. Not to mention that I need to re-do the site. Still, it's Effective, according to many readers, even if it does look like crap. I go for functionality.

I also need to get a bigger air conditioner. My present small room conditioner doesn't do enough with the hundred twenty degree heat to chance my top of the line computer in. Heat kills computers. Ours was donated by a reader and I respect what you folks do to help, so I"m not going to kill the thing with heat.

The above costs more than I have on hand, so if anyone wants to contribute to resurrecting the site you can send something to:

Jim Mooney
2508 E Campo Bello Dr.
Phoenix, AZ 85032-1807

If you've benefitted from the site or want to make sure true info about Unum is on the web, consider contributing. I'm on an even worse shoestring than usual after my move and can't fund all this on my own without some help. Given that I'll have to wait for help, if it arrives, and then re-do a huge site and upload it, it will still take awhile. Hopefully, we won't lose all our google rank and too many people won't go wanting for information. Much as I want to continue the crusade, reality and life does tend to intervene now and then. It seems only the bad guys have all the funding they need. Certainly, the Insurance Information Institute has multimillions to spread lies and hire lobbyists. Not so with truth-tellers ;')

Frankly, I wish I had inherited wealth so I could carry the site, the correspondence and the newsletter and not beg, but it seems that easy money only goes to ditzes like Paris Hilton, who probably wouldn't know a just social cause it if fell on her head ;') On the other hand, when others contribute it does feel more like a group effort, which I feel is important.

Jim, the webmaster of www.corporatecrimefighters.com (when it's up)

AND BY THE WAY

One way you can All help, if you can't donate, is to get my google ranking up Very simply.

Simply put our URL www.corporatecrimefighters.com in your email tagline. And post to bulletin boards and chats and discussions. You see, Every time that appears on the net anywhere, since google searches everything, including discussion boards, it boosts my ranking. It's a very easy way to get us up on top.

I'll mention that again in a month, when the site should be back up, since referring to a dead site might not be that helpful.

Right now I'm working from a library computer and don't have the time to gather more Unum info so that's it, folks. I hope to get back to the crusade but as you all know, sometimes Life happens (Or was it s**t happens ;')


////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney 261 Bumstead Rd. Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com

Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster
www.corporatecrimefighters.
0

#88 User is offline   Tomcat 

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Posted 04 August 2006 - 03:33 PM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Wednesday, Aug 3 , 2006

Exposing the Crimes of UnumProvident and other insurance companies

//////////////////////////////////////////////////////////////////////////////////////////////////////

TRANSLATION TIME

Thursday, August 03, 2006 at 12:48 p.m.
UnumProvident Corp. officials told analysts today it may take longer than expected before it meets a key claims management goal for its important U.S. group disability business.

“It will take a few more quarters,” said Tom White, the insurer’s senior vice president for investor relations, about meeting the target on its benefit ratio on the group disability line.

Company officials said it had generally solid results in its businesses last quarter, except the group disability business is still under-performing.

See tomorrow’s Chattanooga Times Free Press for full coverage.

Webmaster's Comments: UnumProvident hasn't cheated enough people yet. The multistate has actually forced them to pay a few of the smaller claims ;') But they're working on even more helilsh swindles as we speak.

////////////////////////////////////////////////////////////////////////////////////////////

AND NOW A WORD FROM ONE OF OUR READERS ABOUT A GOOD ATTORNEY

Hi, Jim ~

I want to tell you about my attorney, here in Dallas, TX. His name is Mark Perrin, and he is exceptional. When my original attorney became too ill to represent my suit against UNUM anymore, Mark took over the case and I was impressed every single day with his honesty, his strong ethics, and his belief that corporations shouldn't abuse individuals.

He's such a personable guy that it's a bit alarming when he faces off with the bad guys and gives them bloody Hell. He never stops fighting for his client, he can't be bought off at any price, and insurance companies - especially UNUM - do not intimidate him one bit. He's in practice with his brother, so there's no big law firm telling him what to do.

It's difficult to find an attorney you can trust these days, but I was lucky enough to do just that. Mark intends to continue doing ERISA work and fighting insurance companies for folks like us.

I know you're having trouble posting just now Jim, but when you're able, would you mind putting the word out that Mark Perrin is a good choice for people who need a strong,
ethical attorney to fight their insurance company for them? His contact info is below:

Mark Perrin
1401 Elm Street, Suite 1965
Dallas, TX 75202
214-646-2005

I am generally kinda stingy with recommendations. But seriously, I cannot say enough good things about Mark. He's a jewel.

I'll be making another donation to help you keep this good work afloat. And here's a message for your other subscribers:

"Send in $10 or $20, would ya? Send in something! Most of us would be lost without the invaluable info we get from this newsletter and the website, so WE ALL NEED TO PITCH IN AND PAY FOR IT. COME ON! Please don't tell me you can't afford it. I live on a fixed income, too, and support God-knows-how-many orphaned and abandoned animals, as well as the human members of my family.

"Please don't let all of this vital work go to waste for lack of a few dollars. GIVE and make a difference, please."

Thank you for letting me nag. I can't help it - it's a genetic defect.

Stay hopeful, Jim. You haven't let UNUM beat you - don't let finances do it.

Talk to you soon,

Sami


////////////////////////////////////////////////////////////////////////////////////////////


HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney 261 Bumstead Rd. Monson, MA 01057

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com

Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster
www.corporatecrimefighters.com
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#89 User is offline   Tomcat 

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Posted 12 August 2006 - 09:19 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- August 11, 2006 Exposing the Crimes of UnumProvident and other insurance companies

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A NEW ERISA RULING

There is a case pending in the United States District Court for the Middle District, Ocala Florida Division, with the Honorable Senior Judge William Terrell Hodges presiding.

All information relating to the case is public information and can be accessed online via the PACER SYSTEM. The case number is 5:2003 cv 00086.

The plaintiff filed a Rule 60 asking the judge to reverse his decision, claiming that UNUM defrauded the court and the plaintiff, for case rigging, for breach of contract on the part of UNUM and its representatives and for violations of ERISA and RICO Laws.

UNUM responded by filing a Rule 11 Motion, because the plaintiff refused to withdraw the Rule 60 Motion as UNUM requested, asking the judge to impose financial and non financial sanctions against the plaintiff for filing a frivolous lawsuit that was based on non factual information.

The plaintiff answered the Rule 11 Motion by submitting UNUM's own F and J reports for the years 1991 thru 1998 showing that UNUM had paid no disability benefits for those years but paid their attorneys millions. The plaintiff also asked the judge to subpoena UNUM's F and J reports for the subsequent years 1999 thru 2006 in an attempt to ascertain what UNUM did or did not pay out as disability benefits during that time.

According to ERISA Law an attorney should file against a plaintiff's former company and its long term disability policy, but the plaintiff's former attorney did not do so.

The plaintiff continues to receive regular, repeated and inappropriate phone calls from an employee agent of the plaintiff's former company monitoring whether or not the plaintiff has a return to active work status.

In a display of (divide and conquer) strategy on UNUM's part UNUM is attempting to financially settle with the inteverner before Judge Hodges makes his decision.

Judge Hodges' office has indicated that he plans to rule by September. Many people will be watching to see how Judge Hodges rules on the above referenced case.

Webmaster's Comments: Let us all pray that Judge Hodges makes the fair and right decision. Amazingly, an insurer will often spend more than a case is worth to litigate it to death. Allstate would often pay their attorneys half a million dollars to fight a claim worth much less. It seems crazy; but it's as if they fight any claim to the death, just as a pure reflex. Of course, it's crazy like a fox. They gain such a horrible reputation of litigation-to-death that many attorneys just won't take them on. This is why it's so hard to get any attorney if you're fighting Allstate or Unum.

///////////////////////////////////////////////////////////////////////////////////////////////////////////

GOOD NEWS; BAD NEWS

The good news is that Corporate Crimefighters is back up. I finally got through to the failing server hosts and corrected a DNS problem. The bad news is they still haven't fixed my password problem so I can't update the site and my old, inactive email address is on the site - which means new victims can't reach me.

Thankfully, I should be getting high speed internet tomorrow so I have time and software to correct the problems - and the speed to upload a half a gig site to a hosting company that isn't screwy ;')

Working from a one-hour-limit library computer with no web software is driving me bananas. In another day I should have the wherewithal to start renovating the site and gathering more info to plague UnumImprovident with. (Yes, I know - proper grammar would be "..with which to plague.." They get plagued in either case ;')

I contracted for the high speed internet on faith, figuring someone would donate enough to cover it. Amazingly, this has always worked. Just when I'm about to fold my tent, something comes through. That's either a blessing for me or a curse to Unum.

Now, if faith only worked for the other things in my life. Where is my big inheritance and my hot little blonde, Oh Great Provider ;')

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AND AS USUAL, I CAUSED SOME CONFUSION

I put my new address in the newsletter but neglected to remove my old Mass address from the newsletter template - so some people didn't know where to send snail mail. That is now corrected. My One and Only address is as below:

Jim Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

Don't worry if you sent to Mass. Any first class mail will be forwarded - it will just take longer to get to me.

I forgot to announce that Judydoc reached her final appeal. She only got the two-year cheat with Unum claiming it was all mental, when even her brain scan shows MS lesions. How they get away with such bald fakery is beyond my comprehension. Judge Ponsor is either incompetent or bent.

To her credit, she tried for a Supreme Court appeal, but that didn't go through. They're only accepting cases regarding blonde bimbos who marry very rich old men, and important stuff like that.

After toting up her legal costs and tax and such, she's actually taken a loss from fighting this over the years. The one bright spot is that she set me on their tail and I am now afflicting them ;')

However, the cost and strain of endless UnumLitigation took it's toll, and she is now largely out of it - so as usual I am looking for another sponsor and doing the survival thing in the meantime. I guess I will get my reward in heaven for harassing the minions of hell, er, UnumProvident.

It really amazes me that the guys who own Unum from behind the scenes claim to be these big Christians and are supposedly supporting churches and such. The Church of Satan, maybe ;')

Well, the library computer is shutting down on me just as I am having problems with the posting program on the mass mailer. So you may get wierd formatting - probably double spacing. What a headache this job, or non-job, is at times. I will be soooo glad when I get real Internet tomorrow, God willing and the dam don't burst.


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SUSPICIOUS JUDGES - SO WHAT ELSE IS NEW?

In a member's case, a judge made a suspicously timed ruling, that coincided very neatly with what Unum wanted. I've already told most of you about Trips for Judges, where insurers send judges to free vacations at posh resorts and give them "speaking fees" for thousands of dollars to speak to bored company lawyers. Of course, it's a bribe by another name and disposes judges, especially federal ones, toward insurers.

However, what we need to find is financial disclosure information for contributions to judges. Is there a specific place where this can be found? If so, write to me with the link information at [email protected] tks

//////////////////////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmasterwww.corporatecrimefighters.com
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#90 User is offline   Tomcat 

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Posted 24 August 2006 - 09:09 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- August 23, 2006 Exposing the Crimes of UnumProvident and other insurance companies

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POSTMAN NOT ON BALL
If you sent a sorely needed donation to help with relocation, high-speed internet and startup expenses, it may have been returned "address unknown"
Just re-send it again to the same address.

Jim Mooney
2508 E Campo Bello Dr
Phoenix, AZ 85032

The dumb postman wasn't on the ball so I left a special form letting him know I am here. Even though I had already filled out a forwarding form from MA and he was delivering Forwarded mail there, he somehow didn't catch on to deliver direct mail to there and returned it. Duhhhh!

If you don't want to do a donation, just send best wishes or a card - I figure if the postman gets a lot of mail to that address, he'll wake up and realize I live there ;') Or maybe some folks forgot the E in E Campo Bello since there is a W Campo Bello, and it went there. So just copy and paste the address.

Oddly enough, I Did get some junk mail to this address. Murphy's law - important mail didn't get through but stupid mail did.

And to compound things, PayPal changed their coding without notifying me and the PayPal link doesn't work. Here is the new link, which they have managed to make long enough that it may break up in some email programs and not be clickable.

https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8

Test it and tell me if it works. You don't necessarily have to donate. Just see if it takes you to a paypal page and report back to me. Oddly enough I can't test it, because you can't pay yourself.

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WHERE JUDGES GET THEIR MONEY

A member found the site where you can access judges' financial disclosure
statements:

Go to www.judicialwatch.org.

Click on Watching the Courts, then financial disclosure.

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RECURRENT PROVISIONS IN GROUP POLICIES

UNUM's group policies contain the following provision:

"WHAT HAPPENS IF YOU RETURN TO WORK FULL TIME AND YOUR DISABILITY OCCURS AGAIN?

If you have a recurrent disability, UNUM will treat your disability as part of your prior claim and you will not have to complete another elimination period if:

--you were continuously insured under the plan for the period between your prior claim and your recurrent disability; and

--your recurrent disability occurs within 6 months of the end of your prior claim."

Please look at what I have underlined. UNUM interprets this provision to mean that the only way an employee can qualify for a recurrent disability is to return to work full-time with your same employer because that's the only way you would be "continuously insured." What if an insured was terminated by their former employer, returned to work full time with another employer, and then just couldn't stay at the new job because of the same condition for which they previously had benefits. UNUM claims the individual fell out of an eligible group, was not insured, and therefore there is no recurrent disability. This employee is completely out of luck since most likely he/she was unable to stay with the new employer long enough to qualify for benefits under the new policy.

There is no way most claimants can meet the recurrent provision unless they return to work with the same employer. Employers with group policies should then make an effort to re-employ people rather than terminating them after 30 or 60 days in order to save the cost of benefits. Employers generally have internal policies to terminate employees after being out on claim for a certain period of time.

It's my guess most employers with group policies have no idea what the "recurrent provision" means and make no effort to bring their employees back on the job when the claimant's physician has recommended a full-time work trial or work hardening program. In the past, recurrent provisions were intended not to penalize claimants for trying to return to work, but this only works if the claimant returns to work with their same employer who may not want them back.

It is important for all insureds with group policies to understand the possible implications of this provision. Simply put, recurrent provisions mean that if you attempt to return to work full-time, with your same employer, and, due to the same disability cannot remain at work, you may come back on claim without having to meet a new elimination period. The recurrent provision would NOT apply if your former employer terminated you and you attempt to return to work with a NEW employer and just couldn't do it within 6 months.

Perhaps the implication here is that employees covered by a group plan should not attempt full-time work at all with a new employer unless they are certain they will be able to remain at work. Disabled persons can be overly optimistic about future work capacity anyway, but disability insurers can't have it both ways. The result of writing a recurrent provision in the group policies as given above is to encourage employers to hastily terminate disabled employees, and keep claimants from returning to work full time for fear of losing their benefits. As for the claimants, knowledge is a powerful thing. Now that you know what this means, make your return to work decisions wisely.

' Linda E. Nee, HIA, DIA, DHP
Disability Claims Consultant/Case Manager
Disability Claims Solutions
http://www.disabilit...mssolutions.com
Telephone:207-793-4593 Fax 207-793-2006


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A PLACE TO GET HELP

Linda Nee is a disability claims consultant and case manager with a great success rate. For the last several years she has been assisting clients of disability claims with private insurers. Her success rate for initial applications is 100% and 99% for overturning claims denials on appeal for both DI and group STD and LTD claims. If you are interested in reading the testimonials on her website please visit: http://disabilityclaimssolutions.com
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METLIFE - THE SAME ROTTEN LTD TRICKS AS UNUM
Below is the link to a story about Kyle Brownfield that appeared on KNBC-4 Los Angeles recently. Get Met, Get Screwed.

http://www.nbc4.tv/n...172/detail.html

Her full description of the case is here:

http://corporatecrim...rs.com/kyle.htm

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Webmaster's comments: I thought I'd include this since I've been talking about out twin deficits and the collapse of the economy for a while. Even normally dim mainstream commentators are starting to wonder where in heck the money is coming from.

I also mentioned a long time ago that the collapse of the Soviet Union may not have been a good thing. A basic tenet of capitalism is that a system decays if there is no competition to keep it sharp. Well, once the Soviets collapsed we had no competition.
Dobbs: It's good to be a superpower

By Lou Dobbs
CNN


Editor's note: Lou Dobbs' weekly commentary will return on September 6.

NEW YORK (CNN) -- The Soviet Union, Marxist Leninism, the Evil Empire and their ugly metaphor, the Berlin Wall, crumbled and collapsed almost 17 years ago.

At the time, I thought it was strange that the United States didn't have the inclination to celebrate. There were no victory parades and no fireworks; nor did Congress declare a V-CW Day, as in Victory in the Cold War. There weren't even any grand speeches about America's emergence as the World's Only Superpower.

But a grand smugness did grip most of Washington. And hubris became the foundation of almost every national policy, foreign and domestic. And why not? We were entitled as the World's Only Superpower.

What a blessing, all these superpower advantages. What other people besides Americans can afford not to make their own clothes? The world has other people for such menial tasks, and they sell us all but a few of our shoes, shirts, slacks, suits, dresses and coats (and, of course, accessories). We now import around 96 percent of our clothing.

What other nation can afford to dismantle its manufacturing base and export high-paying middle-class jobs overseas to lesser, cheaper foreign labor markets and then buy back the goods those poorer people provide us?

And energy? Why, we Americans have money to burn. We spend $15-20 billion each and every month to import fuel for our cars, trucks, office buildings and few remaining factories and plants. We can be heedless to the consequences, because as Vice President Dick Cheney suggests, conservation doesn't work well anyway. So why be bothered with such irritating constraints?

Because we're a superpower, we needn't concern ourselves with silly little annoyances like trade and budget deficits. Who cares? What greater proof of our superpower status can there be than 30 consecutive years of trade deficits, evaporating surpluses in services and agricultural goods and even technology.

Our trade deficit in manufacturing soared nearly 300 percent from 1997 to 2005, surging to $662.5 billion. Our business and government leaders soothingly remind us that we are a technology economy and needn't be distracted by developments like the reversal of what was a $35-billion surplus in high-tech goods to what is now a $44-billion deficit. It's great to be The Superpower.

What about all that money we're burning? Not to worry. Spend it if you got it. Well, we really don't have it, actually. We're borrowing more than $2 billion a day to send to those lesser souls who are uncomfortably situated in poorer nations that can only aspire to our superpower status.

As to our government's budget deficit, again, that's not a problem. Our federal government keeps two sets of books: one that shows our budget deficit shrank to $319 billion last year and the Treasury Department set that shows $760 billion. Now, we don't want anyone to get needlessly anxious here. It turns out that our national debts and commitments actually stand at an incredible $49 trillion. But let's just keep that little number amongst ourselves.

The federal government uses a quaint accounting system that would be illegal for any large enterprise in America, and there are those who believe our government should be more transparent, or perhaps honest, if you will. One of those with a very unpopular wet-blanket attitude is David Williams of the Citizens Against Government Waste. "If this happened in the private sector, we would call the government 'Enron,' " Williams says.

David, David, David...A little less negativity, please. David Williams is among that small, insignificant and clearly irrelevant group of eccentric rationalists who care about cause and effect, truth and consequence.

Rep. Jim Cooper, a Tennessee Democrat, is among them as well. In his new book, Cooper writes about things like the fact that our federal government last year paid out $38 billion to the wrong people and that $20 billion of taxpayer money simply disappeared from the government's treasury.

Negativists like Williams and Cooper get all a-gaggle over the fact that the GAO can't certify the books of the Pentagon, the Department of Homeland Security, the Energy Department and NASA. They're even upset that the federal government has failed its annual audit for nine years in a row. Talk about Nervous Nellies.

So what if the U.S. debt rating is heading for junk status by 2025, according to Standard & Poor's. That's a problem for nations that aren't superpowers, don't you think?

When it comes to international relations, our superpower status is even clearer. Though admittedly, it is a little embarrassing to watch how easily the United States imposes its will on the Middle East and brings aspiring superpowers like China to heel on issues like human rights and democracy.

Looking back, I'm grateful that we didn't celebrate our emergence as the World's Only Superpower those many years ago. In our current exalted state, it's clear we were wise not to do so.


Find this article at:
http://www.cnn.com/2...15/dobbs.august 16/index.html

Webmaster's comments: or maybe we should just call this article, "The Decline and Fall of the American Empire." Everyone seems to know that we are heading off a cliff Except the politicians and CEO.


//////////////////////////////////////////////////////////////////////////////////////////////////////



HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at: https://[email protected]

Jim Mooney, webmaster: http://www.micethatroar.com http://www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster www.corporatecrimefighters.com
0

#91 User is offline   Tomcat 

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Posted 28 August 2006 - 01:39 PM

CORPORATE CRIMEFIGHTERS OF AMERICA -- August 27, 2006
Exposing the Crimes of UnumProvident and other insurance companies

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ANOTHER LIFE DESTROYED BY UNUM

From: [email protected]

I suffered a burst cerebral aneurysm on April 14, 2001.

Unfortunately Unum Provident was my long-term disability insurance carrier, and they've maintained since day one that a brain aneurysm is a "pre-existing condition."

I've had neuro-surgeons, neurologists, and physiatrists alike write letters stating that their claim is utterly absurd. Nevertheless, they've never paid one red cent!

They left a family of five without it's sole breadwinner, and put us on the welfare, foodstamp, and medicaid roles.

My wife and eldest daughter are now clinically depressed, and my daughter has been diagnosed with an eating disorder.

I hired an attorney to pursue them, and it turns out that he has MS and was once screwed over by Unum as well. He said, I'm mad as hell and not going to take it anymore. He also said, "I'm going to go after hundreds of thousands of dollars in punitive damages, because they deserve it!"

Alas as I understand it, the Bush administration's former Attorney General cut a corporation-friendly class-action law suit that trumped every pending law suit in the land, and I'm now only to get what they otherwise would have paid, and they've been foot-dragging since the beginning of the year, and I still have no payout from them!

I'm disabled, unemployed and destitute (with SSDI my only income), and living on social services, thanks to them!

David P. Gilbertson, ASLA
806 Hinton Ave.
Charlottesville, VA 22902-5728
434-806-8596

[email protected]

Webmaster's comments: As usual, if you have advice or contacts for David, contact him at the email address above. He also gave permission to post his full contact info and phone, so I guess that is okay, too.

//////////////////////////////////////////////////////////////////////////////////////////////////////

A WARNING TO CALIFORNIA VICTIMS OF UNUM (AND OTHER INSURERS)

Apparently, the California Insurance Commissioner's office does NOT investigate all complaints made by California citizens, but "hands off" complaints made against disability insurers with domiciles in other states. For example, if a claimant works and lives in California, was employed in California, and was covered under a group policy by an employer IN California, but the disability insurer domiciles in Kentucky, then the CA Insurance Commission will not investigate the complaint and recommends the claimant to Kentucky. These other states have no vested interest to investigate insurance fraud for other than its own citizens, and certainly would not take the aggressive approach California would have. It appears the "good ol'boys" in California may not be acting in the best interests of ALL its citizens. If you are a California citizen and you are insured by a disability insurer with a domicile in another state, don't even waste your time with your own Insurance Commission, file your complaint in the state in which the insurer is registered.

Webmaster's comments: And I'm sure this business of "pass the buck" is true in many other states. I've gotten this advice before, though. File in the domiciliary state or you just get handed off and have to repeat everything, and work via proxy.

///////////////////////////////////////////////////////////////////////////////////////////////////////

WHY AM I NOT SURPRISED?

There is a video report on the cnn.com website today (Aug 27) that Katrina victims are still battling insurers. (Unfortunately, it wasn't a copyable link, so you'll have to go there and search for it). They've got a long haul. Some victims of the Northridge quake in CA are Still battling Allstate, Farmers, Twentieth Century, et al.

///////////////////////////////////////////////////////////////////////////////////////////////////////

AND OUR OLD PALS AT STATE FARM

http://blogs.abcnews...8/state_farm_...

Exclusive: Whistleblowers Say State Farm Shredded Documents to Avoid Paying Katrina Victims, Allegations of Massive Fraud

State Farm Insurance supervisors systematically demanded that Hurricane Katrina damage reports be buried or replaced or changed so that the company would not have to pay policyholders' claims in Mississippi, two State Farm insiders tell ABC News.

Kerri and Cori Rigsby, independent adjusters who had worked for State Farm exclusively for eight years, say they have turned over thousands of internal company documents and their own detailed statement to the FBI and Mississippi state investigators.

In an exclusive interview with ABC news, to be broadcast on 20/20 -- Watch 20/20 tonight at 10 --and World News, the Rigsby sisters say they saw "widespread" fraud at the State Farm offices in Biloxi and Gulfport, Miss.

"Katrina was devastating, but so was State Farm," says Cori Rigsby.

At one point, they say State Farm brought in a special shredding truck they believe was used to destroy key documents. State Farm says shredding is standard to protect policyholders' privacy.

//////////////////////////////////////////////////////////////////////////////////////////////////////

ROTTEN CUSTOMER SERVICE ALL OVER

A friend complained they had been a thirty year customer at their bank, had a small problem, and gotten treated like dirt - as if the bank didn't even know they'd been with them that long, or cared. Well, it's the same all over, folks. Corporations don't give a damn about customer relations any more. Here is my reply explaining why...


It's not just banks; it's all corporations. They really, really don't seem to care if they keep customers or not. It baffles me.

It's a combination of the Chicago School of Business and spreadsheets. The CSB started to teach "shareholder value" as the Only important thing and it caught on at all the B schools. A whole generation, that is now in top management positions, thinks absolutely nothing about customer relations, community involvement, quality product or service - as long as you can figure some scheme to pump up the shares. And that can be done with none of the above, if you're tricky enough, or can advertise enough, or monopolize like Microsoft. Even if you get abd press, there are so Many news shows and exposes and stories and channels, that it gets drowned and forgotten in the information overload. I remember when Gerber got caught adulterating their baby food, but how many people heard of that or can recall it, for instance?

The insurance companies I fight have had horrible exposes on TV, but most people haven' t heard of them, so they buy their rotten product and get screwed. I'm still pissed that almost no one knows "our" congressmen, in both parties, scuttled bankruptcy for individuals and screwed their constituents, especially with a Bush-managed recession on the way. There is just too much news and information out there, so important things get lost in the shuffle.

The easiest and most noncreatie way to pump profits, and thus shares, is to cut costs. That's where spreadsheets come in. All these morons do that extrapolation thing showing how much bigger profits can be if they cut cost A and cost B and cost C, etc, and that's All they care about. Of course if those cuts fire experienced employees and replace them with morons, or destroy quality, it doesn't matter. The manager who cut the costs gets a big pay raise. By the time the shit hits the fan, everyone has forgotten whose fault it is, so he keeps the raise, or even gets a promotion. It's a really pernicious cycle.

//////////////////////////////////////////////////////////////////////////////////////////////////////

NOT JUST KATRINA, EITHER

"Many families don't know that they are entitled to be paid by their insurance company for caring for injured loved ones," said Paul Zebrowski, Paquette's Michigan attorney. "State Farm relies upon this lack of knowledge to withhold benefits their policyholders have paid for."

http://www.friedmanr...te.com/news.htm

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THIS BATTLE STATION IS NOT YET FULLY OPERATIONAL...

To the anonymous individuals who have mailed some support; It is greatly appreciated.

Some people find this site invaluable with just a small piece of information, as the note included stated, that turned the tide for them against this corporate behemoth. A few have even said it kept them from taking a long walk off a short pier, to be euphemistic.

I don't need or solicit donations from people with no income. But if you can afford just a few dollars every now and then it sure makes my job of delivering everything I can to you easier in my attempt to level the playing field . Remember, they've got billions of dollars, hundreds of lawyers, slews of PR flacks, barrels of bought politicians, scores of co-opted DOIs, an endless supply of crooked judges - and you've got me.

Being Irish, I'd say those are Almost fair odds ;') However, any help you can send is apprecieated and put to good use

Our contact info is below...

..Jim Mooney.
//////////////////////////////////////////////////////////////////////////////////////////////////////


HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8

Jim Mooney, webmaster: www.micethatroar.com
www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster
www.corporatecrimefighters.com
0

#92 User is offline   Simple 

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  Posted 05 September 2006 - 05:56 PM

T.V news Survey out today, its not terrorism most NZ people worry about.

54% of new Zealanders are concerned about identity theft.

How many ACC clients find ACC steals, misuses or remakes their identitys at will.
Also of inerest http://news.com.com/FAQ+Protecting+yoursel..._3-6103486.html

This certainly looks good, try searching for ACCforum.org

http://ixquick.com/
0

#93 User is offline   Tomcat 

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Posted 06 September 2006 - 05:23 PM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Sep 5, 2006 Exposing the Crimes of UnumProvident and other insurance companies

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LOOKING FOR A FEW GOOD POLICYHOLDERS

John Metz
[email protected]

Jim,

I am looking for some UNUM policyholders in CA, who have not yet had the pleasure of making a claim, who might be interested in acting for the greater good, even though they might not get much or anything for themselves. This involves another effort to prohibit UNUM from engaging in many of its/their wrongful acts.



If you can locate some such folks out there, please ask them to contact me by e-mail AT [email protected] or @ 800-878-7833 asap.

Separate from this, I am also looking for any CA auto insurance policyholders who have had a total vehicle loss in the last 3 years or so. Again, this is about acting for the greater good. They might not get much or anything for themselves, other than a slightly more honest and accountable society

Thanks.

John Metz

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KICK UNUM OUT OF CALIFORNIA, YAAAAAY!

Press Release Source: Ray Bourhis

Insurance Watchdog Petitions California Insurance Commissioner John Garamendi to Bar 'Outlaw' Insurer From California
Tuesday September 5, 2:59 pm ET
Asks Commissioner to make good on his promise to boot UnumProvident out of California, put an end to mishandling of disabled consumer claims.



SAN FRANCISCO, Sept. 5 /PRNewswire/ -- Ray Bourhis, the San Francisco lawyer who won dozens of record, multi-million dollar verdicts and settlements against UnumProvident (NYSE: UNM - News), the Country's largest disability insurer, and who helped put the Company on 60 Minutes, Dateline and on the front pages of hundreds of newspapers nationwide, is at it once again. Bourhis, who assisted in Eliot Spitzer's investigation resulting in Unum being fined $15 million and ordered to reopen 115,000 denied claims and who worked with California Insurance Commissioner John Garamendi in an investigation which resulted in another $8 million fine and another 26,000 claim re-openings, has had it "with Unum and its absurd excuses."
He's upset.

"John Garamendi was right last October" Bourhis says "when he called UnumProvident an 'outlaw company.' That's exactly what they are. And Garamendi should make good on his promise to kick them out of California if they continue breaking the law."

Last October, California Commissioner John Garamendi announced the completion of a three-year CDI investigation of Unum. The investigation concluded that the Company was engaged in widespread violations of State insurance regulations and in fraudulent denial practices. These included using phony medical reports, policy misrepresentations, low-balling tactics and biased investigations as pretexts for cutting off legitimate claims of disabled, and often destitute, policyholders.

"The company was out of control," says Bourhis. "So, following a line of unanimous trial and appellate rulings by state and Federal courts, Spitzer and Garamendi fired a shot across Unum's bow. Levying the largest fines in insurance regulatory history.

Garamendi ordered the Company to 'shape up or ship out.'

"But what Unum did," according to Bourhis, "was to duck under the table and wait for the storm to blow over. Now, the SOBs are right back to the same old tricks."

Bourhis cites the case of Laura Torrance-Nesbitt, a Los Angeles woman stricken with Multiple Sclerosis. Nesbitt and her company, which is headquartered in England, bought a disability policy from Unum. "The woman is clearly, and obviously, disabled," he says. "But Unum, through its headquarters in Chattanooga, Tennessee, looking for an excuse to cut Nesbitt off in order to save itself millions of dollars over the life of her policy, ordered Nesbitt to submit to a Los Angeles medical exam by one of its so-called 'independent' doctors. Two weeks ago, the Company then cut Nesbitt off, using the medical exam as an excuse to do so. It's a complete sham," says Bourhis. "It's the same thing they did to thousands people all across the country.

In other recent cases, including Marylynne Saccaro v. UnumProvident and Randall M. West, D.O. v. UnumProvident, the Company continues to cheat its policyholders by under-paying them for disability benefits clearly owed, in order to save UnumProvident millions of dollars.

"The truth is that no matter how much you fine them, it still pays for them to do this. In addition to situations like Nesbitt" charges Bourhis, "the Company is making the disabled, destitute, policyholders whose claims it was ordered to re-open, wait -- often for years -- for their reevaluations. This is despite the fact that the law requires claims to be handled 'promptly, fairly and expeditiously.' People with little or no money coming in, who were cheated out of their disability benefits in the first place, are simply being hung out to dry.

"Not only that, but Unum is telling these people that they have to give up their right to recover for their actual losses in order to receive the reevaluations that have been ordered. And if the Company offers a claimant even 5 or 10% of what it owes them, its Unum's position that its insureds can't do anything to get the rest.

"The same characters that were calling the shots for Unum when they had 'no comment' for 60 Minutes and Dateline are still there -- and are still calling the shots.

"The only solution," says Bourhis, "is for Commissioner Garamendi to make good on his promise to kick the Company the hell out of the largest insurance market in the world. And that's what I am calling on Garamendi to do. Period."

A copy of the letter to California Insurance Commissioner John Garamendi is available through this link: http://www.insulttoi...unum_letter.htm .

For additional information, and the transcripts of some of the numerous reports issued against the Company, please go to www.insulttoinjury.org



Contact: Ray Bourhis 415-392-4660, 415-407-7773 Kelly Cowan 415-392-4660, 415-407-7773 Debbie Phillips 800-552-5454




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Source: Ray Bourhis

Webmaster's comments: My only caveat is Ray is being a piker. I say kick Unum off the $#@$# planet! ;')

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ANOTHER OF MY DIATRIBES ABOUT OUR ROTTEN MEDIA

Just yesterday I got the usual letter asking why the media never seriously covers the national criminal conspiracy that is the insurance industry. Oh sure, there ae sporadic exposes now and then, which are drowned in fluff and baloney so the majority of the public never hears of them and the companies involved don't lose a dime in profit. For how many years have we seen endless rehashes of Paris Hilton or Jon Benet Ramsey?

On the other hand, when our crooked Congress killed the ability of Americans to go bankrupt, it was about the most uncovered major news story I had ever not seen. And that was of importance to every American, since all of our Unum victims know you can fall into financial disaster with absolutely no fault of your own, and really need the bankruptcy rights that were secretly stolen from you.

Yes, it's terrible that a child died, but thousands of children died in Iraq during our bombing of a nation that had no WMDs or Al Quada connection and, at the time, posed no real threat. Millions of children starve in Africa every year, but it's not on the news every night. However, Jon Benet was white, rich and adorable. (Perhaps too much so, to the point of being tarted up to look more sexual than her immature years, something that is quite common these days.) Of course, with froth like this there is no problem of political controversy or of megacorporate owners firing a reporter or editor who stirs up trouble by actually, gasp, thinking and asking questions.

We have some of the worst media in the world, somewhere below Bulgaria in actual press freedom, according to one study. They don't lie outright, being too clever for that. The lie by omission, distortion, and improper focus. "Ignore the man behind the curtain." They leave out truly important warnings for all Americans and get us all excited over non-issues. It's a favorite trick of politicians, used for centuries, and the media has picked up on it.

How much coverage was there of the repeal of Glass-Steagall, for instance? None. This was a law, born during the Depression in order to forestall a future depression, which stopped banks, corporations and financial houses from colluding and combining. I predicted this awful move of our corrupt Congress (both parties) would directly lead to massive corporate corruption, with Enron, Worldcom, et al, happening rather shortly after.

Ask the average person if they can still go bankrupt and I'm sure over ninety percent of Americans will think you still can. And over ninety nine percent won't know how our crooked Congress directly caused Enron and other financial disasters by letting the fox into the chicken coop. They'll blame Ken Lay, who was only a symptom of total systemic corruption.

This is the reason I have a particular loathing for reporters and editors, the true betrayers or American democracy. After we lose our freedoms and the economy collapses, you can lay much of it at their feet. "Mothers, don't let your children grow up to be newsmen..."

Those of you who have been with me a long time know I'm beating a dead horse, so this is just a warning for newbies ;') Next time you watch the news, think "lies, lies, lies!" You can only get the truth on the Internet. For instance, I've found that American news is covered Much better in the British press, which may actually cover important events in America truthfully, instead of focusing on fluff and scanting what is critical. This is not true of all British papers, but I do like the Guardian.
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HEY, GREAT NEWS! I'M DOING AN EXCELLENT JOB ;')
Hi Jim, keep sending me this stuff! Excellent job!

Okay here is some info re: UnumProvident. In California, public school teachers are not elligible for SDI - State Disability Insurance. You can work for McDonalds and be covered by SI, but not if you are teacher! You can be an illegal alien and if you get a paycheck your covered with SDI. So what can teachers do? Most California public school teachers have to protect themselves by joining a Union. Most teachers belong to the CTA, California Teachers Association. Unfortunately, the CTA spends most of its time with politicking concerning turf wars and partisan politics NOT the reason for a UNION mainly employee rights and benefits. So when I was asked by teachers to explain how disability insurance works, I found that UnumProvident is THE recommended CTA carrier for disability insurance for teachers.

I ran a Google search and found that the CTA actively campaigns against ANY other disability insurance company. I have contacted CTA HQ, and sent them copies of info about UNum crimes, including links to your sites and others. When I got to the CTA website under benefits, and I clicked disability insurance, I was connected with what looks exactly like an internal CTA website, except the domain name address registration copmes out to be UNUMPROVIDENT. I use www.Samspade.org for this research. The supposedly CTA telephone numbers for dsability, are answered by Unum Provident clerks-not CTA clerks!!.

I complained and the CTA won't listen, they don't seem to care that teachers really have NO disability insurance if they insure through Unum. I asked a UNUM sales person (at the CTA telephone number) and she said "ALL INSURANCE COMPANIES ARE CROOKED, I am new and here only 5 years". "My CTA account is 25 years old, I don't know why the CTA endorses us". "It must have been something that happened 25 years ago".

Okay three questions/statements: 1) Why don't teachers get SDI benefits (Was Unum somehow behind this strategy)?

2) Why won't bigshots with the CTA discuss or explain their obsession with endorsing UnumProvident? Are they getting kickbacks or special "incentive fees"?

3) If what is true in California occurs in other states as well, I have a plan. Publicly embarrass each state teachers Union starting with CTA, to kick UNUM out, cutting off the much needed revenue (from teachers premiums). We need to go after teachers unions one state at a time, to squeeze Unum out of our lives. BTW the Unum salesperson (disguised as a CTA rep) told me that their million dollar fines that were paid by Unum to California DOI for fraud last year, is the "old" Unum. Unum doesn't do "that" anymore? What is the "that" she is referring to? maybe "fraud"
Undisclosed Source (Hey, if the VP can spend all his time at an Undisclosed Location, I can use an undisclosed source - I'm still more reliable than the NY Times ;')

Webmaster's comments: Frankly, I wish I could do a 'great' job - I'm doing a halfass job due to temporal and financial limitations. While thousands of PR flacks, lawyers and bums get paid big money to tell the insurer's side, I do this part time, on a combination of my own time, some of my own dime, and contributions sent in by a few hardy followers - and let me stress the word 'few' ;') But given my limitations I guess I'm doing pretty good if my site comes up right next to Unum's on Google. Heck, I can't even keep track of all Unum's crimes - I need to hire a secretary just to do that.

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A BIT OF REAL HISTORY FOR THOSE WHO DON'T READ HISTORY (AND ARE DOOMED TO REPEAT IT)

i expostulated thusly last newsletter: It really amazes me that the guys who own Unum from behind the scenes claim to be these big Christians and are supposedly supporting churches and such. The Church of Satan, maybe...

And a sentient reader replied:


....Christianity has long been intentionally used (misused?) as a weapon for the rich and powerful. In the 1800's, rich British textile industrialist sponsored and sent Protestant missionaries to sub-Saharan Africa. They did so with the cold-blooded understanding that once the tribal natives became converted to Christianity, they could then be subdued, controlled, and readily induced into wearing (and buying) British clothing and textiles. (In fact, if you remember browsing through National Geographic magazines from the 40's, 50's, and 60's, you saw a lot of African tribal men, women, and children wearing nothing at all. But with the pressures of "globalization" this traditional native scene is now becoming increasingly rare in Africa.)

...Incidentally, the various colorful robes and outfits which African women now proudly sport as their "native dress", isn't native at all. Such costumes are only decades old, and they were recently invented by African women who selected and purchased the most colorful British fabrics they could get from European textile dealers. But since the native women had limited knowledge on how to cut, seam, and tailor such textiles into modern clothing, they simply just wrapped the fabrics about themselves as best they could. That is how so-called "colorful African native dress" came about.

The truth is that British textile industrialists and Christian missionaries can take credit for a great deal of so-called "African culture". In the case of America, rich, influential corporations can take almost total credit for creating our own half-baked, primitive American culture as well. In this respect, we are all exploited, abused and colonized Africans at heart.

(We both have had our integrities and our traditional cultures ripped apart and destroyed. And we have both been cleverly fooled into thinking that our current cultures were wholly invented by ourselves, when in fact the sad truth is that in both cases most of our present cultures were imposed upon us by our greedy mercantile colonizers, who did so in order to control us, to sell us their crap, and to serve their own financial and power interests.)


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SO WHAT ELSE IS NEW (AND THIS IS FOR THE SHRINKING MIDDLE CLASS, TOO)

http://www.washingtonpost.com/wp-dyn/conte...3101443_pf.html

Perfect Storm for the Poor
In Income Data, Something More Damaging Than Katrina
By E. J. Dionne Jr.
Friday, September 1, 2006; A21

After a week of remembering the horrors of Hurricane Katrina, the most depressing realization is how easily our leaders forgot their fervent promises to lift up our nation's poorest citizens.

All manner of politicians and columnists said in Katrina's wake that this was the time to revisit the problems of the destitute. The anguish of the people of New Orleans's Lower Ninth Ward would have at least some redemptive power if the country took poverty seriously again.

It didn't happen. The innovative ideas that came from all sides were swept off the table. The poor became unfashionable once more. Congressional conservatives changed the conversation. A concern for the struggling gave way to debate over how to offset spending on Katrina with budget cuts -- directed in large part at programs for the needy.

Perhaps the release of the Census Bureau's annual report on income, poverty and health insurance coverage in this particular week is a sign that God and statisticians have a sense of humor. The report reinforces what we knew at the time of Katrina -- that the poor are still with us and that the middle class keeps losing ground.

The "good" news is that the poverty rate, the proportion of Americans who are poor, didn't change much between 2004 and 2005, falling in a statistically insignificant way from 12.7 percent to 12.6 percent. The bad news is that the poverty rate, having risen steadily in recent years, is still higher than it was in 2001, when it stood at 11.7 percent.

Worse is that the proportion of the poor who are very poor has risen. People are considered in deep poverty if they have half or less of the yearly income of those at the poverty line. In 2005 half the poverty line for a family of three was $7,788; for a family of four it was $9,985. (Try living on that.) According to the new report, 43.1 percent of poor people lived in that sort of deep poverty -- a record since 1975, when the government started assembling such statistics.

In the six economic recoveries since the early 1960s, this is the first time the poverty rate was higher in the recovery's fourth year than it was when the recession was at its worst.

The number of Americans without health insurance rose, too, to 46.6 million in 2005, up from 45.3 million in 2004 and 41.2 million in 2001. The proportion without insurance is up from 14.6 percent in 2001 to 15.9 percent in 2005.

What about the middle class? Yes, the median income of American households rose by 1.1 percent last year after five years of decline. But most of the growth was in households headed by Americans 65 and over -- who are helped, rightly, by substantial government benefits. In households headed by people under 65, incomes fell yet again.

Want to know why so many men out there are mad? Check out Table A-2 on Page 38 of the Census report. (I'm grateful to my friend Bill Galston for calling it to my attention.) Adjusted for inflation, men's earnings were lower in 2005 than they were in 1973.

Dear liberals, who worry about the political leanings of angry men, and dear conservatives, who exploit that anger, do you have any proposals to end this income stagnation?

Yes, women have been slowly closing the gender gap in income. Among full-time, year-round workers, women earn 77 percent of what men do, compared with 57 percent in 1973.

But in the most recent year, the gap closed because women lost income at a slightly slower rate than men did. Between 2004 and 2005, the earnings for those working full time year-round dropped 1.8 percent for men and 1.3 percent for women. That's not how most women imagine achieving equality.

The census had some very good news for the well-to-do. The top fifth of American households received 50.4 percent of all income last year, the highest proportion since 1967, when the Census Bureau started following that trend. The biggest gains were concentrated in the top 5 percent.

"The economy is growing, and someone is getting the growth," said Sharon Parrott, a senior analyst at the liberal Center on Budget and Policy Priorities. "So now we know who it is."

President Bush and the Republican Congress, take a bow: You took power to make the well-off even better off, and you have succeeded brilliantly.

As for the poor and the middle class, maybe they'll do better after the next hurricane, or the one after that.

Webmaster's comments: Dear "liberals" my rear. The GOP doesn't care and the Dems are too $#@! gutless - I call them the Deadocratic Party. We need a new Third Party that fights for the middle class and it's afraid to get its fists bloody. Our Senators are all a bunch of weenies, both parties, who bend over for corporate America every day of the week, then try to divert us with idiotic issues while we're being raped.


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HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
<a target="_blank" onclick="return top.js.OpenExtLink(window,event,this)" href=" https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8 ">

Jim Mooney, webmaster: www.micethatroar.com www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmaster www.corporatecrimefighters.com
0

#94 User is offline   Tomcat 

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Posted 09 September 2006 - 09:37 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Sep 7, 2006 Exposing the Crimes of UnumProvident and other insurance companies

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A note below from John Metz, who was in last newsletter.



However, in more critical news, I am back in the library since my computer just died. More likely it was fried, since there was a huge lightning storm last night and the house I am in has bad wiring.



Yet another setback for the crusade. Sometimes I think Unum has a curse on us. It's hard enough going against a seven billion dollar corporation with zero assets, but doing without a computer is tough. I was hoping to upload the "Kick Unum out of California" piece to the website but the software for that is on the dead computer.



I just got funding for high speed internet, and thought I was ahead of the game for once ;') Now we'll have to scrape for a new computer powerful enough to run a big website, and for the software that can't be replaced. Some can and some can't. Depends on whether I have passwords, but some passwords were on the computer. (Never trust a computer with important data.) Not to mention data loss. Thankfully a lot of that is online. Still, it's important to back that up to a computer since you can't trust things online either.



To add to that, they are of course renovating the library, and have cut down on the number of available computers, limiting my access and time. If it don't rain, it pours ;') I also have to fly back to MA to take care of unfinished business so I'll be stretched thin for awhile and may be doing the library thing for some time. The newsletters are a bit more raw from the library, and I can't update the site, but hardship doesn't mean I'm quitting – I'd hate the folks at Unum to get that silly idea ;') It's just more of a challenge. They have All the assets and I have none, but God is on my side.



Well, here is John's note:



Oops, that seems to have gotten lost, too. The gist of it is, John got a call from someone with information on Unum, and they didn't leave contact information. Would they please contact him again with the contact info in the last newsletter.



Well, that's all folks. I don't feel bad about this although I do miss having a computer. It really cripples me in a lot of ways, including in making a living here in AZ, and even getting a cheap airline ticket to mass. I guess I'll be at the library a lot again. Actually, I am quite hopeful – I figure we're like those Whack-a-Mole games at the arcade. Unum or events knock us down and we just pop out of another hole ;')




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Honest to God, I really thought I could stop asking for donations for awhile, but who am I to predict Arizona lighting storms ... Oh well, some day we'll be Ralph Nadering along with major funding and I can put all my time into kicking the insurance industry.

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to:

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at: https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8

Jim Mooney, webmaster: www.micethatroar.com www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906

--
Jim Mooney, webmasterwww.corporatecrimefighters.com
0

#95 User is offline   Tomcat 

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  • Joined: 14-September 03

Posted 03 October 2006 - 08:19 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Oct 2 , 2006
Exposing the Crimes of UnumProvident and other insurance companies

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YOU GET SCREWED BUT MANAGEMENT PROSPERS

At Kodak, all highly compensated managers who have an employment contract, rather that straight employment, do not fall under ERISA guidelines. So, management gets their Unum claims approved because Kodak knows they can get sued for millions in punitive damages, because again, management contracts do not fall under ERISA.

Time and again, Kodak protects their top management whether they are covered under ERISA or not.

No employee in Kodak for the last 26 years has ever been approved unless they went to court and had an honest judge overturn the original denial. Unless, of course, they were top management.

Webmaster's comments: This is true of Most corporations.whose benefits fall under ERISA. Top management protects themselves but all their employees get the shaft. I guess I know who I'm not buying my cameras from anymore. Not that it matters. Since most corporations are doing this you'd have to stop buying Everything.

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AUTOIMMUNE DISFUNCTIONS AND INFLAMMATION

Although I had bouts of CFS-like symptoms a couple of years ago, due to the exhaustion of caring for my dying parents without assistance, 24/7, I overcame it with the use of Traditional Chinese Medicine (TCM)

In the last six months or so I've had an intermittent return of symptoms, lasting a day or two, then going away. Since so many people who get this newsletter have similar autoimmune fatigue, I thought I'd mention something I've tried that seems to work.

Having studied these diseases for years, I've come to the conclusion that they are highly related to internal inflammation due to stressors. The treatment, then, should be anti-inflammatories.

I'm using a simple combination of non-prescription anti-inflammatories, which is alleviating the problem. Tylenol or APCs (a combination of aspirin, tylenol and caffeine); Fish Oil; and Red Yeast Rice. I think Red Yeast Rice, available inexpensively at most health food sections, is particularly useful since it has statin-like qualities. (Naturally, if you are allergic or have a bad response to yeast derivatives, don't use it.)

My only caution regarding Red Yeast Rice is to take half the recommended dosage. The full dose is for cholesterol control, but since it is a statin analogue, it has statin side effects. Half the dose, usually one pill, doesn't seem to.

If you have a problem with other things mentioned, such as stomach irritation from aspirin, or a bad liver so you can't take tylenol, you can research other OTC anti-inflammatories.

Just my layman's input, but since I've spoken with hundreds of people with autoimmune disfunctions over the years, and am good at seeing patterns, maybe it's worth something.

By the way, look out for mold in your house, or any moldy smell, and treat with bleach pronto. I think this latest bout of fatigue came from toxic mold exposure. For some reason, toxic mold is on the rise. Four different people, who were not related or similar in habits, but who had extended stays at a house I was at for awhile, came down with fatigue syndromes and recovered when they left or didn't visit as often. The house was obviously the only common vector, and toxic mold the only thing I could think of that causes autoimmune symptoms, which it does.

When I was living there I did notice a moldy smell from a nearby bathroom, which had a rug in it (A rug in a bathroom is a Really bad idea). Although I shampooed the rug the only real solution would have been to tear it up since shampoo doesn't get to the very bottom. But it wasn't my house. Frankly, I loathe wall to wall carpeting. Throw rugs you can throw in the washer are the only thing I'd have. Carpeting is just a jungle for every kind of bug, mold, and bacteria you can find. You might as well keep petri dishes all over the house and infect them with diseases and mold, and throw garbage in the corners for various bugs to nest in. That's what I think of wall-to-wall carpet. It's a menace and a curse. You simply can't clean it enough to keep it free of crap. When I had terrible allergies as a child, the first thing the allergist told us was to tear up the wall-to-wall carpet. Unfortunately, my parents didn't want to, so I suffered until I joined the military during Vietnam. The allergies went down but I sure didn't enjoy the military life - I'm just not a by-the-numbers kind of guy ;')

I know those who love their wall-to-wall may write in with objections, but get rid of it and you'll probably feel a lot better. There's nothing nicer than a wood parque floor with some throw rugs. Of course, not everyone can afford that type of floor, but bare floor, or just painted or linoleumed, is still preferable to carpet, from a health point of view. Almost anyone can pick up bargain linoleum squares and lay them. I would be glad to come by your house and do that if I was in the neighborhood, but alas, the nation is a bit too big for that ;')

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WHY THEY CAN FIGHT FOREVER

Webmaster's Comments: Although this is about Worker's Comp, not Unum, Allstate, Farmer's, et al, it has a good explanation of why All insurers can fight forever, but you can't. It also shows the typical collusion between state governments and insurers. Insurers fund most of the special investigation units that harass claimants, and if you know industry is paying your salary, it's unlikely you will be sympathetic with the taxpayer who gives you the power to harass them.

One insurance rate to drop

Employers may see workers' compensation rates fall by 13 percent.
By DEVONA WALKER
[email protected]

At least some form of insurance is going down in the Sunshine State.

The rate employers have to pay for workers' compensation insurance will likely be cut another 13.3 percent this year, saving Florida employers about $400 million from the rates going into effect Jan. 1.

The state claims that the reduction is a direct result of record prosecutions of workers' comp fraud and premium evasion by employers in the wake of reform passed by the Legislature. The state's booming economy also has helped reduce costs.

But workers' rights advocates say while reform of the rules did a pretty good job, the changes also discouraged droves of workers from filing legitimate claims in the first place.

"I do think they are more aggressively going after employer fraud, and that department is more active," said Mary Bailey, founder of VOICES, an advocacy group for injured workers. "But this legislation was just jammed through, and it's been really damaging for workers."

"It has further injured the injured worker by taking away their ability to retain an attorney, and it has discouraged attorneys from taking on the cases."

The National Council on Compensation Insurance, the agency responsible for calculating risk and assessing rates, will present its argument for the rate decrease a week from Monday.

State Relations Executive Lori Lovgren will testify at the hearing.

"It's not just happening in Florida," Lovgren said, noting that rates in both Texas and California have recently been dramatically reduced.

Technological improvements and increased global competition have contributed as more companies have simply found more efficient and less dangerous ways of doing business.

Lovgren was less certain about Bailey's contentions.

"I myself don't have any evidence of that, but it's not something that I would necessarily see," Lovgren said. "I know it's impacted attorneys, but that's what it was designed to do."

One of the primary goal of workers' comp reform was to reduce rates paid out by employers. In doing so, it set a $1,500 ceiling on attorney fees.

"So now attorneys will take the case if they can resolve it quickly, if they can't they just turn the workers away," Bailey said.

Another thing to consider, Bailey says is workers' attorneys are typically only paid if they win, where defense attorneys are paid regardless.

"Defense attorneys file motion after motion, and most workers and attorneys just give up," she said.

But prior to reform, Florida had some of the highest workers' compensation premiums and that very little of that revenue was going to injured workers, Lovgren said.

"We had very high attorney and doctor involvement, and they were eating into what workers were seeing," Lovgren said. "It was seen as one of the major cost drivers."

Nationally, workers' comp rates have been declining for the last 15 years, said Andrew Sabolic, bureau chief of the Florida Division of Worker's Compensation.

Florida has been at the top of that list, partially because of lawmakers' reform efforts, but also because of an increased value on premiums.

In the last two years, there has been about $700 million in premiums added to the workers' comp system because of the rebuilding efforts after Hurricane Charley and record new home construction, Sabolic said.

After the system's reform, employers saw a 14 percent reduction in 2003, a 5.1 percent decrease in 2004 and a 13.5 percent decrease last year. The drop in rates has resulted in about $1 billion in savings to employers.

In 2002, about 129 arrests were made relating to workers' comp fraud -- both employees and employers. About 80 were convicted. In 2003-04, it was 113 arrests with 100 convictions.

By 2004-05, it was 213 arrests with 100 convictions.

Most recently, 223 arrests were made with 184 convictions. More than $40 million in restitution were ordered in those convictions.

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SITES ARE DOWN

Corporatecrimefighters.com and micethatroar.com have gone the way of the dodo. The bad server finally dropped me, which is a good thing. The bad thing is I now definitely need a computer to host my web programs so I can upload to another server before I lose my google ranking. I paid for a year of new server, since you get a discount for a year, out of pocket. So don't say I don't do anything for you folks ;') Another donor has already sprung for my Internet, so I am halfway there. Hopefully, with a bit more help we'll be back in business soon. Although with a lot more help I could start cleaning Unum's clock instead of ekeing along ;')

I did manage to get a quickie, "we're still here" page up, without the use of my software, on the new server. Maybe this is an opportunity to re-do the site, which has become a bit cluttered. Lord knows why I'm an optimist when my computer was struck down by and Act of God (lightning) - but then, the computer was getting cluttered too ;') If we get a major sponsor I'll be able to start really fresh.

People keep telling me what a valuable resource this is, and how It's helped thousands, but I have yet to see the support one insurance company lawyer makes in a month.

Under the theory of "ask and ye shall receive" and figuring I was deserving, I did finally put hat in hand and write a woman who had promised support if she won big, and who then got multimillions. But only a short time later she is pleading poverty to me. Bad money management, I guess ;') If you do get an award, don't go party, don't try to impress others or get famous, don't buy everything on the Internet, don't build a horse stable. It goes faster than you think, so bank most of it. And try to remember our lone fight against the big guys ;')

To make it plain, this is becoming do difficult without support, we really are on the verge of shutting down. I thought I was over the hump, but didn't count on further bad luck and Acts of God like lightning. Or maybe there are black magicians at Unum putting curses on us. Given their bankrupt morality, I guess that's possible. So pray for us, too ;')

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WHAT I'VE BEEN SAYING

U.S. drops to 6th in world competitiveness ranking
Tue Sep 26, 2006 7:40 PM IST

By Laura MacInnis

GENEVA (Reuters) - The United States fell to sixth place in the World Economic Forum's 2006 global competitiveness rankings, ceding the top place to Switzerland, as macroeconomic concerns eroded prospects for the world's largest economy.

In a report released on Tuesday, the Forum said Washington's huge defence and homeland security spending commitments, plans to lower taxes further, and long-term potential costs from health care and pensions were creating worrisome fiscal strains.

"With a low savings rate, record-high current account deficits and a worsening of the U.S. net debtor position, there is a non-negligible risk to both the country's overall competitiveness and, given the relative size of the U.S. economy, the future of the global economy," it said.

Webmaster's comments: Didn't we used to be No. 1? I've been warning about the effect of corpagovernment incompetence and corruption, and it's finally dragging us down. We have the world's biggest economy, but so did Rome before it fell, and the barbarians are at the gates.

No President in history has ever cut taxes in the middle of a war. It's economic insanity. It may be popular to the boobs, and may be a good idea during peacetime, but anyone who thinks knows that we can only keep making money out of thin air for so long. Remember the "guns and butter" debate during Vietnam? That didn't work either. A war is a terrible thing and people Should sacrifice if they support it. Having to sacrifice is what prevents frivolous wars. Americans have been told they can have their war And their tax cut. Even as a child I knew that you couldn't have your cake and eat it, too.

==========================================
And to continue my civic duty, we have also lost a right we have had since the Magna Charta

A bill just passed in Congress eliminates Habeus Corpus and permits legalized torture. The goverment has gained the right to detain native born Americans for vague reasons forever, without trial, and abuse them during their stay. Just for donating to the wrong charity. Given that so many charities and petitions are bogus, as I've warned for years, and do the Opposite of what they claim, this is very easy to do.

We didn't give these rights up throughout the worst crises in American history - why now? Surely, when the USSR had the missles and the will to decimate this continent during the Cold War and fry hundreds of millions more of us than terrorists ever could, we would have given up those rights. But we didn't. The Post WWII generation had more sense. Now, we have gone insane. History will curse us for what we have blindly and stupidly allowed in our media-driven panic and frenzy.

Oh, of course we can trust the government to not misuse this power. Sure. I know plenty of people who have trusted govt to do the right thing. (especially their insurance commission) and had their lives ruined.

I guess most Americans don't even know what Habeus Corpus is, though, or it's vast historical importance as compared to most of history, when arrogant tyrants could throw anyone who disagreed with them into a dungeon to be stretched on the rack. Looks like we are back to those times.

////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to :

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8


Jim Mooney, webmaster: www.micethatroar.com
www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

(oops, don't email that address above - I have to fix up the new site for that and haven't gotten around to it.)

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
--
Jim Mooney, webmaster
www.corporatecrimefighters.com





CORPORATE CRIMEFIGHTERS OF AMERICA -- Oct 2 , 2006
Exposing the Crimes of UnumProvident and other insurance companies

//////////////////////////////////////////////////////////////////////////////////////////////////////

YOU GET SCREWED BUT MANAGEMENT PROSPERS

At Kodak, all highly compensated managers who have an employment contract, rather that straight employment, do not fall under ERISA guidelines. So, management gets their Unum claims approved because Kodak knows they can get sued for millions in punitive damages, because again, management contracts do not fall under ERISA.

Time and again, Kodak protects their top management whether they are covered under ERISA or not.

No employee in Kodak for the last 26 years has ever been approved unless they went to court and had an honest judge overturn the original denial. Unless, of course, they were top management.

Webmaster's comments: This is true of Most corporations.whose benefits fall under ERISA. Top management protects themselves but all their employees get the shaft. I guess I know who I'm not buying my cameras from anymore. Not that it matters. Since most corporations are doing this you'd have to stop buying Everything.

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

AUTOIMMUNE DISFUNCTIONS AND INFLAMMATION

Although I had bouts of CFS-like symptoms a couple of years ago, due to the exhaustion of caring for my dying parents without assistance, 24/7, I overcame it with the use of Traditional Chinese Medicine (TCM)

In the last six months or so I've had an intermittent return of symptoms, lasting a day or two, then going away. Since so many people who get this newsletter have similar autoimmune fatigue, I thought I'd mention something I've tried that seems to work.

Having studied these diseases for years, I've come to the conclusion that they are highly related to internal inflammation due to stressors. The treatment, then, should be anti-inflammatories.

I'm using a simple combination of non-prescription anti-inflammatories, which is alleviating the problem. Tylenol or APCs (a combination of aspirin, tylenol and caffeine); Fish Oil; and Red Yeast Rice. I think Red Yeast Rice, available inexpensively at most health food sections, is particularly useful since it has statin-like qualities. (Naturally, if you are allergic or have a bad response to yeast derivatives, don't use it.)

My only caution regarding Red Yeast Rice is to take half the recommended dosage. The full dose is for cholesterol control, but since it is a statin analogue, it has statin side effects. Half the dose, usually one pill, doesn't seem to.

If you have a problem with other things mentioned, such as stomach irritation from aspirin, or a bad liver so you can't take tylenol, you can research other OTC anti-inflammatories.

Just my layman's input, but since I've spoken with hundreds of people with autoimmune disfunctions over the years, and am good at seeing patterns, maybe it's worth something.

By the way, look out for mold in your house, or any moldy smell, and treat with bleach pronto. I think this latest bout of fatigue came from toxic mold exposure. For some reason, toxic mold is on the rise. Four different people, who were not related or similar in habits, but who had extended stays at a house I was at for awhile, came down with fatigue syndromes and recovered when they left or didn't visit as often. The house was obviously the only common vector, and toxic mold the only thing I could think of that causes autoimmune symptoms, which it does.

When I was living there I did notice a moldy smell from a nearby bathroom, which had a rug in it (A rug in a bathroom is a Really bad idea). Although I shampooed the rug the only real solution would have been to tear it up since shampoo doesn't get to the very bottom. But it wasn't my house. Frankly, I loathe wall to wall carpeting. Throw rugs you can throw in the washer are the only thing I'd have. Carpeting is just a jungle for every kind of bug, mold, and bacteria you can find. You might as well keep petri dishes all over the house and infect them with diseases and mold, and throw garbage in the corners for various bugs to nest in. That's what I think of wall-to-wall carpet. It's a menace and a curse. You simply can't clean it enough to keep it free of crap. When I had terrible allergies as a child, the first thing the allergist told us was to tear up the wall-to-wall carpet. Unfortunately, my parents didn't want to, so I suffered until I joined the military during Vietnam. The allergies went down but I sure didn't enjoy the military life - I'm just not a by-the-numbers kind of guy ;')

I know those who love their wall-to-wall may write in with objections, but get rid of it and you'll probably feel a lot better. There's nothing nicer than a wood parque floor with some throw rugs. Of course, not everyone can afford that type of floor, but bare floor, or just painted or linoleumed, is still preferable to carpet, from a health point of view. Almost anyone can pick up bargain linoleum squares and lay them. I would be glad to come by your house and do that if I was in the neighborhood, but alas, the nation is a bit too big for that ;')

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

WHY THEY CAN FIGHT FOREVER

Webmaster's Comments: Although this is about Worker's Comp, not Unum, Allstate, Farmer's, et al, it has a good explanation of why All insurers can fight forever, but you can't. It also shows the typical collusion between state governments and insurers. Insurers fund most of the special investigation units that harass claimants, and if you know industry is paying your salary, it's unlikely you will be sympathetic with the taxpayer who gives you the power to harass them.

One insurance rate to drop

Employers may see workers' compensation rates fall by 13 percent.
By DEVONA WALKER
[email protected]

At least some form of insurance is going down in the Sunshine State.

The rate employers have to pay for workers' compensation insurance will likely be cut another 13.3 percent this year, saving Florida employers about $400 million from the rates going into effect Jan. 1.

The state claims that the reduction is a direct result of record prosecutions of workers' comp fraud and premium evasion by employers in the wake of reform passed by the Legislature. The state's booming economy also has helped reduce costs.

But workers' rights advocates say while reform of the rules did a pretty good job, the changes also discouraged droves of workers from filing legitimate claims in the first place.

"I do think they are more aggressively going after employer fraud, and that department is more active," said Mary Bailey, founder of VOICES, an advocacy group for injured workers. "But this legislation was just jammed through, and it's been really damaging for workers."

"It has further injured the injured worker by taking away their ability to retain an attorney, and it has discouraged attorneys from taking on the cases."

The National Council on Compensation Insurance, the agency responsible for calculating risk and assessing rates, will present its argument for the rate decrease a week from Monday.

State Relations Executive Lori Lovgren will testify at the hearing.

"It's not just happening in Florida," Lovgren said, noting that rates in both Texas and California have recently been dramatically reduced.

Technological improvements and increased global competition have contributed as more companies have simply found more efficient and less dangerous ways of doing business.

Lovgren was less certain about Bailey's contentions.

"I myself don't have any evidence of that, but it's not something that I would necessarily see," Lovgren said. "I know it's impacted attorneys, but that's what it was designed to do."

One of the primary goal of workers' comp reform was to reduce rates paid out by employers. In doing so, it set a $1,500 ceiling on attorney fees.

"So now attorneys will take the case if they can resolve it quickly, if they can't they just turn the workers away," Bailey said.

Another thing to consider, Bailey says is workers' attorneys are typically only paid if they win, where defense attorneys are paid regardless.

"Defense attorneys file motion after motion, and most workers and attorneys just give up," she said.

But prior to reform, Florida had some of the highest workers' compensation premiums and that very little of that revenue was going to injured workers, Lovgren said.

"We had very high attorney and doctor involvement, and they were eating into what workers were seeing," Lovgren said. "It was seen as one of the major cost drivers."

Nationally, workers' comp rates have been declining for the last 15 years, said Andrew Sabolic, bureau chief of the Florida Division of Worker's Compensation.

Florida has been at the top of that list, partially because of lawmakers' reform efforts, but also because of an increased value on premiums.

In the last two years, there has been about $700 million in premiums added to the workers' comp system because of the rebuilding efforts after Hurricane Charley and record new home construction, Sabolic said.

After the system's reform, employers saw a 14 percent reduction in 2003, a 5.1 percent decrease in 2004 and a 13.5 percent decrease last year. The drop in rates has resulted in about $1 billion in savings to employers.

In 2002, about 129 arrests were made relating to workers' comp fraud -- both employees and employers. About 80 were convicted. In 2003-04, it was 113 arrests with 100 convictions.

By 2004-05, it was 213 arrests with 100 convictions.

Most recently, 223 arrests were made with 184 convictions. More than $40 million in restitution were ordered in those convictions.

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

SITES ARE DOWN

Corporatecrimefighters.com and micethatroar.com have gone the way of the dodo. The bad server finally dropped me, which is a good thing. The bad thing is I now definitely need a computer to host my web programs so I can upload to another server before I lose my google ranking. I paid for a year of new server, since you get a discount for a year, out of pocket. So don't say I don't do anything for you folks ;') Another donor has already sprung for my Internet, so I am halfway there. Hopefully, with a bit more help we'll be back in business soon. Although with a lot more help I could start cleaning Unum's clock instead of ekeing along ;')

I did manage to get a quickie, "we're still here" page up, without the use of my software, on the new server. Maybe this is an opportunity to re-do the site, which has become a bit cluttered. Lord knows why I'm an optimist when my computer was struck down by and Act of God (lightning) - but then, the computer was getting cluttered too ;') If we get a major sponsor I'll be able to start really fresh.

People keep telling me what a valuable resource this is, and how It's helped thousands, but I have yet to see the support one insurance company lawyer makes in a month.

Under the theory of "ask and ye shall receive" and figuring I was deserving, I did finally put hat in hand and write a woman who had promised support if she won big, and who then got multimillions. But only a short time later she is pleading poverty to me. Bad money management, I guess ;') If you do get an award, don't go party, don't try to impress others or get famous, don't buy everything on the Internet, don't build a horse stable. It goes faster than you think, so bank most of it. And try to remember our lone fight against the big guys ;')

To make it plain, this is becoming do difficult without support, we really are on the verge of shutting down. I thought I was over the hump, but didn't count on further bad luck and Acts of God like lightning. Or maybe there are black magicians at Unum putting curses on us. Given their bankrupt morality, I guess that's possible. So pray for us, too ;')

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

WHAT I'VE BEEN SAYING

U.S. drops to 6th in world competitiveness ranking
Tue Sep 26, 2006 7:40 PM IST

By Laura MacInnis

GENEVA (Reuters) - The United States fell to sixth place in the World Economic Forum's 2006 global competitiveness rankings, ceding the top place to Switzerland, as macroeconomic concerns eroded prospects for the world's largest economy.

In a report released on Tuesday, the Forum said Washington's huge defence and homeland security spending commitments, plans to lower taxes further, and long-term potential costs from health care and pensions were creating worrisome fiscal strains.

"With a low savings rate, record-high current account deficits and a worsening of the U.S. net debtor position, there is a non-negligible risk to both the country's overall competitiveness and, given the relative size of the U.S. economy, the future of the global economy," it said.

Webmaster's comments: Didn't we used to be No. 1? I've been warning about the effect of corpagovernment incompetence and corruption, and it's finally dragging us down. We have the world's biggest economy, but so did Rome before it fell, and the barbarians are at the gates.

No President in history has ever cut taxes in the middle of a war. It's economic insanity. It may be popular to the boobs, and may be a good idea during peacetime, but anyone who thinks knows that we can only keep making money out of thin air for so long. Remember the "guns and butter" debate during Vietnam? That didn't work either. A war is a terrible thing and people Should sacrifice if they support it. Having to sacrifice is what prevents frivolous wars. Americans have been told they can have their war And their tax cut. Even as a child I knew that you couldn't have your cake and eat it, too.

==========================================
And to continue my civic duty, we have also lost a right we have had since the Magna Charta

A bill just passed in Congress eliminates Habeus Corpus and permits legalized torture. The goverment has gained the right to detain native born Americans for vague reasons forever, without trial, and abuse them during their stay. Just for donating to the wrong charity. Given that so many charities and petitions are bogus, as I've warned for years, and do the Opposite of what they claim, this is very easy to do.

We didn't give these rights up throughout the worst crises in American history - why now? Surely, when the USSR had the missles and the will to decimate this continent during the Cold War and fry hundreds of millions more of us than terrorists ever could, we would have given up those rights. But we didn't. The Post WWII generation had more sense. Now, we have gone insane. History will curse us for what we have blindly and stupidly allowed in our media-driven panic and frenzy.

Oh, of course we can trust the government to not misuse this power. Sure. I know plenty of people who have trusted govt to do the right thing. (especially their insurance commission) and had their lives ruined.

I guess most Americans don't even know what Habeus Corpus is, though, or it's vast historical importance as compared to most of history, when arrogant tyrants could throw anyone who disagreed with them into a dungeon to be stretched on the rack. Looks like we are back to those times.

////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to :

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8


Jim Mooney, webmaster: www.micethatroar.com
www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

(oops, don't email that address above - I have to fix up the new site for that and haven't gotten around to it.)

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
--
Jim Mooney, webmaster
www.corporatecrimefighters.com
0

#96 User is offline   Tomcat 

  • Advanced Member
  • PipPipPip
  • Group: Members
  • Posts: 2158
  • Joined: 14-September 03

Posted 03 October 2006 - 08:40 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Oct 2 , 2006
Exposing the Crimes of UnumProvident and other insurance companies

//////////////////////////////////////////////////////////////////////////////////////////////////////

YOU GET SCREWED BUT MANAGEMENT PROSPERS

At Kodak, all highly compensated managers who have an employment contract, rather that straight employment, do not fall under ERISA guidelines. So, management gets their Unum claims approved because Kodak knows they can get sued for millions in punitive damages, because again, management contracts do not fall under ERISA.

Time and again, Kodak protects their top management whether they are covered under ERISA or not.

No employee in Kodak for the last 26 years has ever been approved unless they went to court and had an honest judge overturn the original denial. Unless, of course, they were top management.

Webmaster's comments: This is true of Most corporations.whose benefits fall under ERISA. Top management protects themselves but all their employees get the shaft. I guess I know who I'm not buying my cameras from anymore. Not that it matters. Since most corporations are doing this you'd have to stop buying Everything.

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

AUTOIMMUNE DISFUNCTIONS AND INFLAMMATION

Although I had bouts of CFS-like symptoms a couple of years ago, due to the exhaustion of caring for my dying parents without assistance, 24/7, I overcame it with the use of Traditional Chinese Medicine (TCM)

In the last six months or so I've had an intermittent return of symptoms, lasting a day or two, then going away. Since so many people who get this newsletter have similar autoimmune fatigue, I thought I'd mention something I've tried that seems to work.

Having studied these diseases for years, I've come to the conclusion that they are highly related to internal inflammation due to stressors. The treatment, then, should be anti-inflammatories.

I'm using a simple combination of non-prescription anti-inflammatories, which is alleviating the problem. Tylenol or APCs (a combination of aspirin, tylenol and caffeine); Fish Oil; and Red Yeast Rice. I think Red Yeast Rice, available inexpensively at most health food sections, is particularly useful since it has statin-like qualities. (Naturally, if you are allergic or have a bad response to yeast derivatives, don't use it.)

My only caution regarding Red Yeast Rice is to take half the recommended dosage. The full dose is for cholesterol control, but since it is a statin analogue, it has statin side effects. Half the dose, usually one pill, doesn't seem to.

If you have a problem with other things mentioned, such as stomach irritation from aspirin, or a bad liver so you can't take tylenol, you can research other OTC anti-inflammatories.

Just my layman's input, but since I've spoken with hundreds of people with autoimmune disfunctions over the years, and am good at seeing patterns, maybe it's worth something.

By the way, look out for mold in your house, or any moldy smell, and treat with bleach pronto. I think this latest bout of fatigue came from toxic mold exposure. For some reason, toxic mold is on the rise. Four different people, who were not related or similar in habits, but who had extended stays at a house I was at for awhile, came down with fatigue syndromes and recovered when they left or didn't visit as often. The house was obviously the only common vector, and toxic mold the only thing I could think of that causes autoimmune symptoms, which it does.

When I was living there I did notice a moldy smell from a nearby bathroom, which had a rug in it (A rug in a bathroom is a Really bad idea). Although I shampooed the rug the only real solution would have been to tear it up since shampoo doesn't get to the very bottom. But it wasn't my house. Frankly, I loathe wall to wall carpeting. Throw rugs you can throw in the washer are the only thing I'd have. Carpeting is just a jungle for every kind of bug, mold, and bacteria you can find. You might as well keep petri dishes all over the house and infect them with diseases and mold, and throw garbage in the corners for various bugs to nest in. That's what I think of wall-to-wall carpet. It's a menace and a curse. You simply can't clean it enough to keep it free of crap. When I had terrible allergies as a child, the first thing the allergist told us was to tear up the wall-to-wall carpet. Unfortunately, my parents didn't want to, so I suffered until I joined the military during Vietnam. The allergies went down but I sure didn't enjoy the military life - I'm just not a by-the-numbers kind of guy ;')

I know those who love their wall-to-wall may write in with objections, but get rid of it and you'll probably feel a lot better. There's nothing nicer than a wood parque floor with some throw rugs. Of course, not everyone can afford that type of floor, but bare floor, or just painted or linoleumed, is still preferable to carpet, from a health point of view. Almost anyone can pick up bargain linoleum squares and lay them. I would be glad to come by your house and do that if I was in the neighborhood, but alas, the nation is a bit too big for that ;')

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

WHY THEY CAN FIGHT FOREVER

Webmaster's Comments: Although this is about Worker's Comp, not Unum, Allstate, Farmer's, et al, it has a good explanation of why All insurers can fight forever, but you can't. It also shows the typical collusion between state governments and insurers. Insurers fund most of the special investigation units that harass claimants, and if you know industry is paying your salary, it's unlikely you will be sympathetic with the taxpayer who gives you the power to harass them.

One insurance rate to drop

Employers may see workers' compensation rates fall by 13 percent.
By DEVONA WALKER
[email protected]

At least some form of insurance is going down in the Sunshine State.

The rate employers have to pay for workers' compensation insurance will likely be cut another 13.3 percent this year, saving Florida employers about $400 million from the rates going into effect Jan. 1.

The state claims that the reduction is a direct result of record prosecutions of workers' comp fraud and premium evasion by employers in the wake of reform passed by the Legislature. The state's booming economy also has helped reduce costs.

But workers' rights advocates say while reform of the rules did a pretty good job, the changes also discouraged droves of workers from filing legitimate claims in the first place.

"I do think they are more aggressively going after employer fraud, and that department is more active," said Mary Bailey, founder of VOICES, an advocacy group for injured workers. "But this legislation was just jammed through, and it's been really damaging for workers."

"It has further injured the injured worker by taking away their ability to retain an attorney, and it has discouraged attorneys from taking on the cases."

The National Council on Compensation Insurance, the agency responsible for calculating risk and assessing rates, will present its argument for the rate decrease a week from Monday.

State Relations Executive Lori Lovgren will testify at the hearing.

"It's not just happening in Florida," Lovgren said, noting that rates in both Texas and California have recently been dramatically reduced.

Technological improvements and increased global competition have contributed as more companies have simply found more efficient and less dangerous ways of doing business.

Lovgren was less certain about Bailey's contentions.

"I myself don't have any evidence of that, but it's not something that I would necessarily see," Lovgren said. "I know it's impacted attorneys, but that's what it was designed to do."

One of the primary goal of workers' comp reform was to reduce rates paid out by employers. In doing so, it set a $1,500 ceiling on attorney fees.

"So now attorneys will take the case if they can resolve it quickly, if they can't they just turn the workers away," Bailey said.

Another thing to consider, Bailey says is workers' attorneys are typically only paid if they win, where defense attorneys are paid regardless.

"Defense attorneys file motion after motion, and most workers and attorneys just give up," she said.

But prior to reform, Florida had some of the highest workers' compensation premiums and that very little of that revenue was going to injured workers, Lovgren said.

"We had very high attorney and doctor involvement, and they were eating into what workers were seeing," Lovgren said. "It was seen as one of the major cost drivers."

Nationally, workers' comp rates have been declining for the last 15 years, said Andrew Sabolic, bureau chief of the Florida Division of Worker's Compensation.

Florida has been at the top of that list, partially because of lawmakers' reform efforts, but also because of an increased value on premiums.

In the last two years, there has been about $700 million in premiums added to the workers' comp system because of the rebuilding efforts after Hurricane Charley and record new home construction, Sabolic said.

After the system's reform, employers saw a 14 percent reduction in 2003, a 5.1 percent decrease in 2004 and a 13.5 percent decrease last year. The drop in rates has resulted in about $1 billion in savings to employers.

In 2002, about 129 arrests were made relating to workers' comp fraud -- both employees and employers. About 80 were convicted. In 2003-04, it was 113 arrests with 100 convictions.

By 2004-05, it was 213 arrests with 100 convictions.

Most recently, 223 arrests were made with 184 convictions. More than $40 million in restitution were ordered in those convictions.

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

SITES ARE DOWN

Corporatecrimefighters.com and micethatroar.com have gone the way of the dodo. The bad server finally dropped me, which is a good thing. The bad thing is I now definitely need a computer to host my web programs so I can upload to another server before I lose my google ranking. I paid for a year of new server, since you get a discount for a year, out of pocket. So don't say I don't do anything for you folks ;') Another donor has already sprung for my Internet, so I am halfway there. Hopefully, with a bit more help we'll be back in business soon. Although with a lot more help I could start cleaning Unum's clock instead of ekeing along ;')

I did manage to get a quickie, "we're still here" page up, without the use of my software, on the new server. Maybe this is an opportunity to re-do the site, which has become a bit cluttered. Lord knows why I'm an optimist when my computer was struck down by and Act of God (lightning) - but then, the computer was getting cluttered too ;') If we get a major sponsor I'll be able to start really fresh.

People keep telling me what a valuable resource this is, and how It's helped thousands, but I have yet to see the support one insurance company lawyer makes in a month.

Under the theory of "ask and ye shall receive" and figuring I was deserving, I did finally put hat in hand and write a woman who had promised support if she won big, and who then got multimillions. But only a short time later she is pleading poverty to me. Bad money management, I guess ;') If you do get an award, don't go party, don't try to impress others or get famous, don't buy everything on the Internet, don't build a horse stable. It goes faster than you think, so bank most of it. And try to remember our lone fight against the big guys ;')

To make it plain, this is becoming do difficult without support, we really are on the verge of shutting down. I thought I was over the hump, but didn't count on further bad luck and Acts of God like lightning. Or maybe there are black magicians at Unum putting curses on us. Given their bankrupt morality, I guess that's possible. So pray for us, too ;')

//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

WHAT I'VE BEEN SAYING

U.S. drops to 6th in world competitiveness ranking
Tue Sep 26, 2006 7:40 PM IST

By Laura MacInnis

GENEVA (Reuters) - The United States fell to sixth place in the World Economic Forum's 2006 global competitiveness rankings, ceding the top place to Switzerland, as macroeconomic concerns eroded prospects for the world's largest economy.

In a report released on Tuesday, the Forum said Washington's huge defence and homeland security spending commitments, plans to lower taxes further, and long-term potential costs from health care and pensions were creating worrisome fiscal strains.

"With a low savings rate, record-high current account deficits and a worsening of the U.S. net debtor position, there is a non-negligible risk to both the country's overall competitiveness and, given the relative size of the U.S. economy, the future of the global economy," it said.

Webmaster's comments: Didn't we used to be No. 1? I've been warning about the effect of corpagovernment incompetence and corruption, and it's finally dragging us down. We have the world's biggest economy, but so did Rome before it fell, and the barbarians are at the gates.

No President in history has ever cut taxes in the middle of a war. It's economic insanity. It may be popular to the boobs, and may be a good idea during peacetime, but anyone who thinks knows that we can only keep making money out of thin air for so long. Remember the "guns and butter" debate during Vietnam? That didn't work either. A war is a terrible thing and people Should sacrifice if they support it. Having to sacrifice is what prevents frivolous wars. Americans have been told they can have their war And their tax cut. Even as a child I knew that you couldn't have your cake and eat it, too.

==========================================
And to continue my civic duty, we have also lost a right we have had since the Magna Charta

A bill just passed in Congress eliminates Habeus Corpus and permits legalized torture. The goverment has gained the right to detain native born Americans for vague reasons forever, without trial, and abuse them during their stay. Just for donating to the wrong charity. Given that so many charities and petitions are bogus, as I've warned for years, and do the Opposite of what they claim, this is very easy to do.

We didn't give these rights up throughout the worst crises in American history - why now? Surely, when the USSR had the missles and the will to decimate this continent during the Cold War and fry hundreds of millions more of us than terrorists ever could, we would have given up those rights. But we didn't. The Post WWII generation had more sense. Now, we have gone insane. History will curse us for what we have blindly and stupidly allowed in our media-driven panic and frenzy.

Oh, of course we can trust the government to not misuse this power. Sure. I know plenty of people who have trusted govt to do the right thing. (especially their insurance commission) and had their lives ruined.

I guess most Americans don't even know what Habeus Corpus is, though, or it's vast historical importance as compared to most of history, when arrogant tyrants could throw anyone who disagreed with them into a dungeon to be stretched on the rack. Looks like we are back to those times.

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HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to :

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8


Jim Mooney, webmaster: www.micethatroar.com
www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

(oops, don't email that address above - I have to fix up the new site for that and haven't gotten around to it.)

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
--
Jim Mooney, webmaster
www.corporatecrimefighters.com
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#97 User is offline   Tomcat 

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Posted 03 October 2006 - 09:41 AM

CORPORATE CRIMEFIGHTERS OF AMERICA -- Oct 2 , 2006
Exposing the Crimes of UnumProvident and other insurance companies

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YOU GET SCREWED BUT MANAGEMENT PROSPERS

At Kodak, all highly compensated managers who have an employment contract, rather that straight employment, do not fall under ERISA guidelines. So, management gets their Unum claims approved because Kodak knows they can get sued for millions in punitive damages, because again, management contracts do not fall under ERISA.

Time and again, Kodak protects their top management whether they are covered under ERISA or not.

No employee in Kodak for the last 26 years has ever been approved unless they went to court and had an honest judge overturn the original denial. Unless, of course, they were top management.

Webmaster's comments: This is true of Most corporations.whose benefits fall under ERISA. Top management protects themselves but all their employees get the shaft. I guess I know who I'm not buying my cameras from anymore. Not that it matters. Since most corporations are doing this you'd have to stop buying Everything.

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AUTOIMMUNE DISFUNCTIONS AND INFLAMMATION

Although I had bouts of CFS-like symptoms a couple of years ago, due to the exhaustion of caring for my dying parents without assistance, 24/7, I overcame it with the use of Traditional Chinese Medicine (TCM)

In the last six months or so I've had an intermittent return of symptoms, lasting a day or two, then going away. Since so many people who get this newsletter have similar autoimmune fatigue, I thought I'd mention something I've tried that seems to work.

Having studied these diseases for years, I've come to the conclusion that they are highly related to internal inflammation due to stressors. The treatment, then, should be anti-inflammatories.

I'm using a simple combination of non-prescription anti-inflammatories, which is alleviating the problem. Tylenol or APCs (a combination of aspirin, tylenol and caffeine); Fish Oil; and Red Yeast Rice. I think Red Yeast Rice, available inexpensively at most health food sections, is particularly useful since it has statin-like qualities. (Naturally, if you are allergic or have a bad response to yeast derivatives, don't use it.)

My only caution regarding Red Yeast Rice is to take half the recommended dosage. The full dose is for cholesterol control, but since it is a statin analogue, it has statin side effects. Half the dose, usually one pill, doesn't seem to.

If you have a problem with other things mentioned, such as stomach irritation from aspirin, or a bad liver so you can't take tylenol, you can research other OTC anti-inflammatories.

Just my layman's input, but since I've spoken with hundreds of people with autoimmune disfunctions over the years, and am good at seeing patterns, maybe it's worth something.

By the way, look out for mold in your house, or any moldy smell, and treat with bleach pronto. I think this latest bout of fatigue came from toxic mold exposure. For some reason, toxic mold is on the rise. Four different people, who were not related or similar in habits, but who had extended stays at a house I was at for awhile, came down with fatigue syndromes and recovered when they left or didn't visit as often. The house was obviously the only common vector, and toxic mold the only thing I could think of that causes autoimmune symptoms, which it does.

When I was living there I did notice a moldy smell from a nearby bathroom, which had a rug in it (A rug in a bathroom is a Really bad idea). Although I shampooed the rug the only real solution would have been to tear it up since shampoo doesn't get to the very bottom. But it wasn't my house. Frankly, I loathe wall to wall carpeting. Throw rugs you can throw in the washer are the only thing I'd have. Carpeting is just a jungle for every kind of bug, mold, and bacteria you can find. You might as well keep petri dishes all over the house and infect them with diseases and mold, and throw garbage in the corners for various bugs to nest in. That's what I think of wall-to-wall carpet. It's a menace and a curse. You simply can't clean it enough to keep it free of crap. When I had terrible allergies as a child, the first thing the allergist told us was to tear up the wall-to-wall carpet. Unfortunately, my parents didn't want to, so I suffered until I joined the military during Vietnam. The allergies went down but I sure didn't enjoy the military life - I'm just not a by-the-numbers kind of guy ;')

I know those who love their wall-to-wall may write in with objections, but get rid of it and you'll probably feel a lot better. There's nothing nicer than a wood parque floor with some throw rugs. Of course, not everyone can afford that type of floor, but bare floor, or just painted or linoleumed, is still preferable to carpet, from a health point of view. Almost anyone can pick up bargain linoleum squares and lay them. I would be glad to come by your house and do that if I was in the neighborhood, but alas, the nation is a bit too big for that ;')

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WHY THEY CAN FIGHT FOREVER

Webmaster's Comments: Although this is about Worker's Comp, not Unum, Allstate, Farmer's, et al, it has a good explanation of why All insurers can fight forever, but you can't. It also shows the typical collusion between state governments and insurers. Insurers fund most of the special investigation units that harass claimants, and if you know industry is paying your salary, it's unlikely you will be sympathetic with the taxpayer who gives you the power to harass them.

One insurance rate to drop

Employers may see workers' compensation rates fall by 13 percent.
By DEVONA WALKER
[email protected]

At least some form of insurance is going down in the Sunshine State.

The rate employers have to pay for workers' compensation insurance will likely be cut another 13.3 percent this year, saving Florida employers about $400 million from the rates going into effect Jan. 1.

The state claims that the reduction is a direct result of record prosecutions of workers' comp fraud and premium evasion by employers in the wake of reform passed by the Legislature. The state's booming economy also has helped reduce costs.

But workers' rights advocates say while reform of the rules did a pretty good job, the changes also discouraged droves of workers from filing legitimate claims in the first place.

"I do think they are more aggressively going after employer fraud, and that department is more active," said Mary Bailey, founder of VOICES, an advocacy group for injured workers. "But this legislation was just jammed through, and it's been really damaging for workers."

"It has further injured the injured worker by taking away their ability to retain an attorney, and it has discouraged attorneys from taking on the cases."

The National Council on Compensation Insurance, the agency responsible for calculating risk and assessing rates, will present its argument for the rate decrease a week from Monday.

State Relations Executive Lori Lovgren will testify at the hearing.

"It's not just happening in Florida," Lovgren said, noting that rates in both Texas and California have recently been dramatically reduced.

Technological improvements and increased global competition have contributed as more companies have simply found more efficient and less dangerous ways of doing business.

Lovgren was less certain about Bailey's contentions.

"I myself don't have any evidence of that, but it's not something that I would necessarily see," Lovgren said. "I know it's impacted attorneys, but that's what it was designed to do."

One of the primary goal of workers' comp reform was to reduce rates paid out by employers. In doing so, it set a $1,500 ceiling on attorney fees.

"So now attorneys will take the case if they can resolve it quickly, if they can't they just turn the workers away," Bailey said.

Another thing to consider, Bailey says is workers' attorneys are typically only paid if they win, where defense attorneys are paid regardless.

"Defense attorneys file motion after motion, and most workers and attorneys just give up," she said.

But prior to reform, Florida had some of the highest workers' compensation premiums and that very little of that revenue was going to injured workers, Lovgren said.

"We had very high attorney and doctor involvement, and they were eating into what workers were seeing," Lovgren said. "It was seen as one of the major cost drivers."

Nationally, workers' comp rates have been declining for the last 15 years, said Andrew Sabolic, bureau chief of the Florida Division of Worker's Compensation.

Florida has been at the top of that list, partially because of lawmakers' reform efforts, but also because of an increased value on premiums.

In the last two years, there has been about $700 million in premiums added to the workers' comp system because of the rebuilding efforts after Hurricane Charley and record new home construction, Sabolic said.

After the system's reform, employers saw a 14 percent reduction in 2003, a 5.1 percent decrease in 2004 and a 13.5 percent decrease last year. The drop in rates has resulted in about $1 billion in savings to employers.

In 2002, about 129 arrests were made relating to workers' comp fraud -- both employees and employers. About 80 were convicted. In 2003-04, it was 113 arrests with 100 convictions.

By 2004-05, it was 213 arrests with 100 convictions.

Most recently, 223 arrests were made with 184 convictions. More than $40 million in restitution were ordered in those convictions.

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SITES ARE DOWN

Corporatecrimefighters.com and micethatroar.com have gone the way of the dodo. The bad server finally dropped me, which is a good thing. The bad thing is I now definitely need a computer to host my web programs so I can upload to another server before I lose my google ranking. I paid for a year of new server, since you get a discount for a year, out of pocket. So don't say I don't do anything for you folks ;') Another donor has already sprung for my Internet, so I am halfway there. Hopefully, with a bit more help we'll be back in business soon. Although with a lot more help I could start cleaning Unum's clock instead of ekeing along ;')

I did manage to get a quickie, "we're still here" page up, without the use of my software, on the new server. Maybe this is an opportunity to re-do the site, which has become a bit cluttered. Lord knows why I'm an optimist when my computer was struck down by and Act of God (lightning) - but then, the computer was getting cluttered too ;') If we get a major sponsor I'll be able to start really fresh.

People keep telling me what a valuable resource this is, and how It's helped thousands, but I have yet to see the support one insurance company lawyer makes in a month.

Under the theory of "ask and ye shall receive" and figuring I was deserving, I did finally put hat in hand and write a woman who had promised support if she won big, and who then got multimillions. But only a short time later she is pleading poverty to me. Bad money management, I guess ;') If you do get an award, don't go party, don't try to impress others or get famous, don't buy everything on the Internet, don't build a horse stable. It goes faster than you think, so bank most of it. And try to remember our lone fight against the big guys ;')

To make it plain, this is becoming do difficult without support, we really are on the verge of shutting down. I thought I was over the hump, but didn't count on further bad luck and Acts of God like lightning. Or maybe there are black magicians at Unum putting curses on us. Given their bankrupt morality, I guess that's possible. So pray for us, too ;')

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WHAT I'VE BEEN SAYING

U.S. drops to 6th in world competitiveness ranking
Tue Sep 26, 2006 7:40 PM IST

By Laura MacInnis

GENEVA (Reuters) - The United States fell to sixth place in the World Economic Forum's 2006 global competitiveness rankings, ceding the top place to Switzerland, as macroeconomic concerns eroded prospects for the world's largest economy.

In a report released on Tuesday, the Forum said Washington's huge defence and homeland security spending commitments, plans to lower taxes further, and long-term potential costs from health care and pensions were creating worrisome fiscal strains.

"With a low savings rate, record-high current account deficits and a worsening of the U.S. net debtor position, there is a non-negligible risk to both the country's overall competitiveness and, given the relative size of the U.S. economy, the future of the global economy," it said.

Webmaster's comments: Didn't we used to be No. 1? I've been warning about the effect of corpagovernment incompetence and corruption, and it's finally dragging us down. We have the world's biggest economy, but so did Rome before it fell, and the barbarians are at the gates.

No President in history has ever cut taxes in the middle of a war. It's economic insanity. It may be popular to the boobs, and may be a good idea during peacetime, but anyone who thinks knows that we can only keep making money out of thin air for so long. Remember the "guns and butter" debate during Vietnam? That didn't work either. A war is a terrible thing and people Should sacrifice if they support it. Having to sacrifice is what prevents frivolous wars. Americans have been told they can have their war And their tax cut. Even as a child I knew that you couldn't have your cake and eat it, too.

==========================================
And to continue my civic duty, we have also lost a right we have had since the Magna Charta

A bill just passed in Congress eliminates Habeus Corpus and permits legalized torture. The goverment has gained the right to detain native born Americans for vague reasons forever, without trial, and abuse them during their stay. Just for donating to the wrong charity. Given that so many charities and petitions are bogus, as I've warned for years, and do the Opposite of what they claim, this is very easy to do.

We didn't give these rights up throughout the worst crises in American history - why now? Surely, when the USSR had the missles and the will to decimate this continent during the Cold War and fry hundreds of millions more of us than terrorists ever could, we would have given up those rights. But we didn't. The Post WWII generation had more sense. Now, we have gone insane. History will curse us for what we have blindly and stupidly allowed in our media-driven panic and frenzy.

Oh, of course we can trust the government to not misuse this power. Sure. I know plenty of people who have trusted govt to do the right thing. (especially their insurance commission) and had their lives ruined.

I guess most Americans don't even know what Habeus Corpus is, though, or it's vast historical importance as compared to most of history, when arrogant tyrants could throw anyone who disagreed with them into a dungeon to be stretched on the rack. Looks like we are back to those times.

////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING

Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to :

James Mooney
2508 East Campo Bello Drive
Phoenix, AZ 85032-1807

OR Via Paypal at:
https://www.paypal.com/cgi-bin/webscr?cmd=_...charset=UTF%2d8


Jim Mooney, webmaster: www.micethatroar.com
www.corporatecrimefighters.com
Email me at [email protected]

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email [email protected] for details.

(oops, don't email that address above - I have to fix up the new site for that and haven't gotten around to it.)

THE UNFINISHED TASK

"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906
--
Jim Mooney, webmaster
www.corporatecrimefighters.com
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#98 User is offline   MadMac 

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Posted 29 March 2010 - 04:40 PM

;)
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#99 User is offline   hukildaspida 

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Posted 18 February 2013 - 12:11 AM

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#100 User is offline   hukildaspida 

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Posted 16 June 2014 - 04:45 PM

Lindanee's blog

http://lindanee.wordpress.com/


View PostIDB, on 19 October 2004 - 08:17 AM, said:

Read HTML version online: http://archives.zine...5758/28271.html


CORPORATE CRIMEFIGHTERS OF AMERICA - Oct 18, 2004
BBS: http://www.micethatroar.com/bbs/

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THE MOST FREQUENTLY ASKED QUESTIONS ABOUT DISABILITY

There are some topics I am asked about more often than others. Although there is not enough room on these pages to answer every question completely, please feel free to contact me if you need additional information.

Is my disability insurer permitted to reduce my disability benefit for my Social Security Disability (SSDI) award?

This issue does not generally come up for Individual Disability claims because the reduction in benefit is not written into IDI policies. However, for group (ERISA) LTD policies, there is most often a contractual provision which allows the offset from your monthly benefit. Check your policy carefully to determine if your insurance company is allowed to reduce your benefit.

Do I have to turn over my social security lump sum award to the insurance company?

In general, yes. If you received a lump sum payment from Social Security for the same period of time you received unreduced benefits from your disability insurer, then you MUST repay the insurance company since you were overpaid in previous months. Social Security must be allowed as an offset first, before the insurance company can require you to repay the lump sum from Social Security.

What do I do if I receive a denial letter from my disability insurer terminating my benefits?

If you have a group LTD ERISA claim you must follow the directions given to you carefully in the denial letter you received. You have 180 days from the date of the letter to inform the insurance company you intend to appeal the denial decision.

If you have an IDI claim, you should immediately gather all medical information from all sources not previously reviewed by the insurance company, and send it along with a cover letter requesting a reconsideration of the denial decision.

A consultant or other trusted resource will be an invaluable resource to you since the ERISA laws are very clear about how to appeal claim denial decisions.

Must I attend an Independent Medical Exam if requested to do so?

Most of the time, yes. You should always check your policy to determine if your submission to an IME is required. Many insurance companies are now putting language in the LTD contacts which compels claimants to "cooperate" with the insurance company. If the insurance company feels you are not cooperating, they could terminate benefits for refusing to show up for the medical evaluation.

What information will the insurance company be able to obtain about me?

With your signed authorization, the insurance company can obtain records for: loans, mortgages, bankruptcies, credit history, marriages, divorces, adoptions, employment history, motor vehicle report, arrests, military records, court orders, liens, police records, all medical, dental, and hospital records, welfare and human services records, information from neighbors, professional licenses and complaints, insurance or malpractice records, air travel hours redeemed, country club or physical gym memberships, golf dates and times, incorporation records, better business bureau records, records subject to the Freedom of Information Act, on-line chats, on-line websites, FICA payments, mental health records, and records from other insurance companies including social security, and workers' compensation.
And, this is just the short-list.

Can the insurance company conduct surveillance?

Yes. This is another area where a qualified consultant will be able to help you recognize the signs of investigative surveillance and help you understand how this information will be used to potentially terminate your benefits. Insurance companies cannot deny your benefits solely on what they are able to film on a CD. Insurance company procedures are often abused in the area of surveillance.

If you have any ideas about questions which you feel are frequently asked, or, you would like to include on this page, please feel free to email me with the question and I will be happy to include it among the above. I like to think of this page as "evolving", so please don't hesitate to let me know what questions you feel are important.

[email protected]
(207) 793-4593

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DAMNED IF YOU DO AND DAMNED IF YOU DON'T

Mary Parker
[email protected]

Unum told me last year that i needed to do vocational rehabilitation. I was
turned down by state vo rehab so i applied for va vo rehab even though i
really am not able to go to school full time but i felt it was necessary to
keep UNUM happy. A person came to my home last month and i told them I was
trying to go to school but having a hard time. Unum called Friday and
cancelled my benefit check because they said if I can go to school 12 hrs a
week, i am able to work. I told them they told me to rehabilitate myself.
Should i get a lawyer.

Mary A Parker

Persian Gulf vet-USAF , proud to serve
America is no 1 thanks to its veterans!

Webmaster's comments: What a rotten company. They say you're not entitled because you can go to school, but tell you to go to school, but it's just a ruse to deny your benefits. So you're screwed if you don't help yourself, and you're screwed if you do.

And of course, equating sitting in a classroom 12 hours a week is a far cry from working at a hard job 40 hours. 12 hours work sure isn't going to pay the bills.

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PRAYER REQUEST AND THE CURSE OF RESERVES

>From Kerri
[email protected]

It has been over a year since Unum discontinued my disability benefits. The bank has foreclosed on my house and I don't know what to do. I have no place to go. They paid me for 5 years and when some 5 year review came up that was it, all doctors notes, all the forms filled out could not change anything. When I requested a copy of my file from them (they have to give you) I noticed that the month my payments started they had already figured out exactly how much they were going to pay on my claim and exactly when they were going to cancel!! and they hit it right on the day!! My marriage is ending, I am trying to figure out my debts for bankruptcy, I am going to be put out of my house probably by the sheriff, I am so depressed. I know there are others that are probably in the same mess! thank-you
for letting me vent, if anyone reads this please pray for me, I do have my faith and I know on my worst days God is going to do something. please add me to any prayer groups!! MY name is Kerri, thank- you in advance :)/> I know one day someone will read our complaints and they will be led to take action, they might not be able to help us, but they can put an end to the horrible suffering Unum is causing their very own customers.

KERRI

Webmaster's comments: Yes, they do figure up what they are going to pay Before they know how sick you are. It doesn't matter if you remain ill or get well. Or what they promise in the contract. You only get what their accountants figure - or less. In fact, in one of the claims manuals on the CD, they give explicit instructions to base the claim payment not on the actual etiology of the disease, but on the reserves - the average amount set aside for a claim. Of course, since half their victims will fall Above the average, by the very laws of statistics, they are out of luck. (Fair being fair, if the cut off the longer illnesses to the "average," they should pay the shorter ones even if they get well, until they reach the "average." Of course they don't - that would be unreasonable. I'm just
illustrating that it is as unreasonable to cut people above the average as it would be to pay them after they are well.

To add insult to injury, Unum cheats on their reserves, stealing from the amount set aside to pay claims, in violation of state laws. This is why there is so little to pay claims and they pay so few. This is a truly satanic company, and they have to gall to pretend the give money to churches - the Church of Satan, no doubt.

!!! As usual, if you have advice for Mary or Kerri, please write them. CC to me if the advice is generally helpful but write them directly at their above email addresses. People often reply to me rather than the victim, which means I have to dig up their email address out of a thousand victims and forward the mail. If there are a lot of replies that can get time consuming.

======================================================

PRINTER HERE

I may have already mentioned it, but I don't need a printer/scanner now thanks to a member. This, after all, is a group effort and I appreciate help like that. Another member has helped with basic Internet costs so we can stay online, at least for a year.

The final thing we really need an angel for is high speed Internet. I literally Waste hours every day fighting a slow modem - time that could be spent on doing useful work against insurers. Right now I'm trying to do an eight hour download for a PDF program that will create top quality PDF graphic legal filings and concurrent OCR translations for posting on the net, for instance. And downloads that long keep getting interrupted and tend to fail so you have to do them over.

I spend a lot of time on the net but much of it is wasted staring at slow loading screens, which is a shame. It's amazing what you can do in the way of gathering damaging information if you can access five related sites in a couple of minutes, instead of waiting so long you forgot what you are looking for or just quit.

For instance, I'd like to find how many suits are filed against Unum. Everyone has a different figure since it would take a Lot of work to get the true figure. Federal is easy enough, but since there are 50 states and many counties in each state, and multiple web pages you'd have to check for each venue, you're talking about checking over a thousand web pages. At slow modem speed that would simply be impossible, or drive me insane.

Comcast cable Internet is about fifty bucks a month but you have to sign up for a year. If someone is worried I will drink up the money they can get the cable but have it sent to my home address ;')

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MY OLD NEMESIS ALLSTATE STILL HATES OLD PEOPLE

http://www.dailyherald.com/search/main_sto...?intid=38269137

Allstate sued for age bias
Daily Herald Reports
Posted 10/9/2004

Allstate Corp., the second-largest U.S. auto and home insurer, discriminated against older agents when it fired 6,200 employees in 2000, the U.S. Equal Employment Opportunity Commission said in a lawsuit.

The suit, filed in U.S. District Court in St. Louis, is the commission's second challenge to the firings, said Lynn Bruner, the commission's St. Louis division director. An earlier suit said Allstate violated laws by forcing agents to give up their right to sue the company. Allstate denied any wrongdoing.

Allstate, based in Northbrook, eliminated all of its employee-agents in 2000 and offered to rehire them as independent contractors with fewer benefits. The new suit focuses on a one-year moratorium Allstate put on rehiring agents to work in call centers and other areas of the company.

The insurer broke labor laws "by imposing its moratorium on this predominantly older group of agents and by applying the moratorium more harshly to the older agents within the group," said Robert Johnson, an attorney for the commission, in a statement.

About 94 percent of the fired agents were older than age 40. The commission said Allstate ignored the moratorium for at least one worker who was under 40.

Allstate spokesman Michael Trevino said the moratorium wasn't designed to discriminate. "The intent of the rehire process was for it to apply to all affected agents regardless of their age," he said.

The commission's earlier suit was consolidated with private lawsuits from agents that alleged age discrimination, among other things.

U.S. District Court Judge John P. Fullam in Philadelphia ruled on the consolidated case in April, saying agents could void the agreements in which they gave up their right to sue. The judge also said there was no basis to accuse Allstate of age discrimination when it switched agents' employment status.

The commission said Fullam's ruling did not address the one-year moratorium on rehiring agents as employees.

Former Allstate agent Ron Harper, a plaintiff in some of the suits, said the moratorium was one way to ensure that agents didn't get pension benefits as they were nearing 50, a trigger age for certain retirement programs such as health care.

======================================================

THE CRIMINAL STATE OF OUR HEALTHCARE SYSTEM

We spend more on healthcare than most nations, but get less service, since it all goes for HMO profits. It's total crap that this system is "the best in the world." That's NY Times hype. Not to mention the forty million uninsured who get NO care. Then we are hearing this baloney that we shouldn't mess with this system because we have Choice. WHAT A LOAD OF CRAP! You DON'T get a choice when dealing with a HMO. If you've every dealt with them, you know that's true. You get what they give you if you get anything at all - and try calling them up to ask for what you're entitled to. Be prepared to be put on hold for a Long time. You get even less if you're uninsured. Here's a note from a friend regarding our comparative rank:

"It is really sad what happens here in the US with the healthcare. A third world country like Colombia has excellent doctors and rich and poor gets taken care of by competent physicians. My dad was down there on vacation years back and he went to get a thorough checkup and a cardiologist found he had had a silent heart attack. While here in the US... he was misdiagnosed and it was not until a year later when a young oncologist who had lost his dad to colon cancer diagnosed him correctly. He had stage 3 colon cancer.

He had surgery, chemo and he's still with us... but because he was a small business owner (jeweler) he had no insurance... so you can imagine the bill."

Webmaster's comments: It's a lie that this government is pro-business. They are only pro Big-Business. Lack of healthcare for small business owners and their employees, or its increasing expense, is discouraging small business startups and destroying those that are in business. It puts small business at a Huge disadvantage in hiring good people, for instance, since all the smart employees will opt for the corporate job with health insurance, rather than risk all by going "naked" (a term for being uninsured).

======================================================

THE DISAPPEARANCE OF JOEY HIBBS

To remind people, Joey Hibbs was a great guy who was about to commit suicide thanks to Unum - and they cause a lot of suicides every year. The difference is that we were about to get media attention. A TV station wanted to do a story on him and it was emotional enough that I'm sure it would have gone to the national network. The reporter was hot to do it and promised to. Her station manager gave the go-ahead. Joey's ex-wife was going to testify, and one of our members was organizing the whole thing.

Suddenly, they all disappeared. The station didn't do the story, the ex-wife didn't interview, and even our member didn't respond to queries.

I try not to be paranoid, but it sure looks like another case, a la vacatur, gag orders and intimidation, where Unum made something embarrassing "disappear."

Actually, I"ve noticed that anti-insurance-company websites tend to disappear after about two years, a boundary I think I've already passed. I was hoping to "perpetuize" the site on that account if I can ever afford it. That would involve paying the server host a few years in advance and having a few of you notify them if the site went down. The site could even be updated by some trusted members, since there is now software that allows others, with no internet knowledge, to make updates to particular site areas, while the rest of the site remains locked. But again, the software costs a bit.

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WHAT I REALLY HATE ABOUT COMPUTER REFERENCE BOOKS

The first is that they cost an arm and a leg, ranging from sixty to a hundred dollars.

But the second, that is really maddening, is you buy the damn things and find they have a lousy index, so you can't find what you need to know easily.

Now it seems to me that a Reference book, especially one that costs a fortune, should have a good index above all other things. But that's the last thing they put effort into - usually throwing it to some publishing house trainee who knows nothing about the subject.

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CROOKED INSURERS, CROOKED BROKERS

And I'll bet those crooked brokers steer a lot of people to Unum. Dr. Judy had a crooked broker who did that, then lied about it. Her broker was even cheated by Unum herself, yet continued to sell their awful policies since the commission is high. Some people have Zero conscience:

Fri 15 October, 2004 08:04 AM

By Aleksandrs Rozens and Joseph A. Giannone NEW YORK (Reuters) -

New York Attorney General Eliot Spitzer is suing Marsh &McLennan, the world's number one insurance broker, for steering unsuspecting clients to certain insurers in exchange for lucrative payoffs.

The lawsuit, which alleges the manipulation has occurred since the late 1990s, also implicated Hartford Financial Services Group, American International Group, the world's largest insurer by market value, Chubb and Bermuda-based ACE, as well as a Munich Re unit.

Insurance company and insurance broker stocks fell across the board after the news on Thursday. In the S&P 500, six of the 10 leading percentage decliners were insurers, with the fall wiping out a collective $28.5 billion (15.8 billion pounds) of investor wealth among the six.

"This investigation is broad and deep and it is disappointing," Spitzer said at a press conference. The probe demonstrates again "disregard for ethics and the law among some of our largest corporations."

The lawsuit marks the third time Spitzer has taken aim at Marsh &McLennan. The company's Putnam asset management unit was previously embroiled in Spitzer's probe of the mutual fund industry, while its Mercer consulting subsidiary advised the New York Stock Exchange on former Chairman Dick Grasso's controversial compensation package.

On Thursday, Spitzer leveled particularly harsh criticism at Marsh &McLennan's executives. "The leadership of that company is not a leadership I will talk to and not a leadership I will negotiate with."

Marsh &McLennan, which said it is cooperating with Spitzer but had been unaware of the charges until the announcement, saw its shares lose nearly a quarter of their value, closing down $11.28 at $34.85, its lowest closing price in five years.

Spitzer hinted Thursday's lawsuit likely presages a series of criminal and civil lawsuits targeting insurance companies and their executives. "Trust me this is day one," he said.

"The allegations are very serious," said Kenneth Pan, an analyst with FTN Midwest Research. "It's tough to say where this will lead, but it seems it will spread throughout" the industry.

The insurance industry is the latest targeted by New York's ambitious attorney general, who in the last three years has waged a campaign to clean up everything from Wall Street's investment banking business to the mutual fund industry.

Thursday's lawsuit targets a practice known as "contingent commissions," or payments by insurers to brokers to steer business their way. Though not illegal when disclosed, Spitzer is charging Marsh with collecting the commissions by rigging bids and fixing prices that inflated costs for clients.

The attorney general's office said its review of documents from 2003 found that Marsh &McLennan collected $800 million in these contingent commissions, which was more than half of the $1.54 billion in profit it reported.

While Spitzer's suit alleges Marsh misled customers looking to buy insurance, it also noted the firm's policy of not disclosing how much the contingent commissions add to its earnings misled investors holding Marsh stock.

Customers of Marsh, which has 410 offices in more than 100 countries, included companies buying insurance for their employees, governments and school districts, the suit said. The suit cited Greenville County School District in South Carolina as one example of "where Marsh's steering and bid manipulation was plainly evident."

Two executives from AIG have already pleaded guilty to criminal fraud charges for their involvement in the alleged manipulation, according to the attorney general's office.

AIG closed down 10.4 percent and ACE dropped 9.5 percent. Shares of Hartford finished down 6.1 percent, while Chubb Corp fell 5.9 percent.

Shares of Aon Corp. and Willis Group Holdings, the No. 2 and 3 global brokers respectively, also fell as investors assumed the probe would spread. Aon closed down 16 percent, while Willis fell 7.1 percent.

"We believe Mr. Spitzer's actions could act as a significant overhang on the property casualty stocks, with the brokers having the most risk, followed by the commercial insurers," Jay Gelb, an analyst with Prudential Equity Group, said in a note.

Aon said it did not believe that any of its employees engaged in the behavior alleged against Marsh. It said that accepting commissions from insurers was a long-standing practice that is fully disclosed. It said it would continue to cooperate with the investigation.

AIG said it has cooperated fully in the probe and twice previously asked regulators for guidance on the issue.

ACE said in a statement it would continue to cooperate on the matter. A Hartford spokeswoman said the company does not condone bid rigging or any other illegal activity, while a Chubb spokeswoman said it believes the company and its employees have not violated any law.

Webmaster's comments: Why is it that Elliot Spitzer is the only one with the guts to go after these crooks? I don't see any other state AGs or insurance commissioners doing much at all. And the crooks in the US Congress are trying to pass a bill to limit the powers of people like Spitzer, so the corporations can run amok. We are becoming one of the most corrupt nations in the world; and a nation cannot long stand if corruption is endemic.

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STILL GOOGLING UNUM

Put Unum Provident into the web's top search engine and Unum Provident Crimes, linking to our site, still comes up on the very first page, two steps below their corporate site. So basically, you can't look for Unum Provident on the web without hearing about Unum Provident crimes. Gee, this makes me feel so Responsible. I really have to get time and funding to do a top job of renovating the site. I'm almost a corporate presence.

By the way, although we are two steps below the top ranking for the corporate site, if someone puts in Unum Provident, followed by most any derogatory term, we come out above them ;') With Unum Provident Cheats, for instance, we have three of the four top spots on Google. The other spot is a lawyer's site, but they probably pay for ranking, although they are still below us. Beats me why some lawyers don't buy advertising on the site since we are obviously the top ranked site out there. I guess they don't like the format - maybe if I clean it up I could actually support this crazy operation with some advertising. I've never done advertising, though, because I worry about my credibility. The site may look like hell, but I feel it's Very credible. Despite the claims of insurers, and unlike half
what you read in the papers and everything politicians say, I don't make Anything up. Heck, it's more fun to find bad things about Unum. Frankly, they do stuff so rotten I couldn't dream it up so I don't need to - truth is uglier than fiction.

Unfortunately, I forgot to put "sucks" on the site, so I'm missing the Unum Sucks crowd. I'll have to rectify that.

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OF THE UTMOST IMPORTANCE

More and more, our free speech is under assault by government and corporate forces. Pretty soon you won't dare speak up at all, and sites like mine will be a thing of the past as truth-tellers are slowly shut up. Here is the latest unfounded assault on free speech. Largely because Indymedia, like me, opposes corporate globalism, which is a plot to destroy our sovereignty and impoverish our people. FAIR, by the way, is one of the sites, along with www.projectcensored.org, that reports the news our rotten, corrupt corporate media suppresses.

Shut us up; then put us in chains.

Jim

Subject: FBI Shutdown of Indymedia Threatens Free Speech

http://www.fair.org/...-indymedia.html

October 15, 2004

In a chilling attack on free speech, U.S. authorities on October 7 seized two internet servers in London belonging to the independent media network Indymedia. More than 20 Indymedia sites around the world were taken down as a result of the raid. The servers were returned on October 14, but no formal charges have been announced and no explanation has been given for the raid.

FBI spokesperson Joe Parris told Agence France Presse that the raid was "not an FBI operation" but that the FBI issued the subpoena on behalf of Italy and Switzerland (10/8/04). U.S. authorities have refused to comment further.

Rackspace, the U.S.-based company that hosts the Indymedia servers at its London offices, revealed in a press release that the subpoena was issued "pursuant to a Mutual Legal Assistance Treaty (MLAT), which establishes procedures for countries to assist each other in investigations such as international terrorism, kidnapping and money laundering." Rackspace told Indymedia that they could not reveal any information about the subpoena-apparently the result of a gag order (Indymedia, 10/7/04).

Swiss authorities said they have opened an investigation into Indymedia coverage of the 2003 G8 Summit in Evian and that they had asked the FBI to help remove photos of Swiss undercover police from a French Indymedia site (AFP, 10/9/04). The FBI visited both a Seattle-based Indymedia lawyer and Rackspace about the photos, and Indymedia believed the issue had been resolved (Indymedia, 10/9/04). The site was among those housed on the seized servers; Swiss authorities, however, have not indicated that they asked the FBI to seize the servers.

An Italian prosecutor investigating an anarchist group reportedly also requested assistance from the U.S. to obtain information about posts on Italian Indymedia, but she apparently also did not request the seizure of the servers (italy.indymedia.org, 10/14/04). While the details of the subpoena remain undisclosed, the FBI's aggressive action against Indymedia is troubling.

Indymedia, which provides grassroots reporting on social justice issues and protests, is a decentralized network that allows anyone to post news on its websites. If there is reason to suspect that participants on these websites are involved with criminal activities, shutting down the servers is rather like shutting down the phone system because people have been using the telephone to plot crimes.

To silence over 20 media sites around the world with no charges and no explanation strikes a severe blow against freedom of expression and should trouble media outlets worldwide. European media have been covering the story, but in this country, the media have been virtually silent. Aside from two AP articles (10/8/04, 10/14/04), one by UPI (10/11/04) and one in the Hartford Courant (10/13/04), FAIR found no mainstream news outlets reporting on the Indymedia story.

This is not the first time Indymedia has been targeted by U.S. authorities. During the Republican National Convention in August, the Secret Service attempted to obtain private records from NYC Indymedia's Internet Service Provider; the ISP refused. The FBI attempted to obtain similar records from Indymedia servers during the massive protests against the Free Trade Agreement of the Americas in Quebec City but lost the legal battle (Indymedia, 8/31/04).

If there is credible evidence of actual crimes that involve Indymedia websites, then an investigation that respects Indymedia's rights as a media outlet may be warranted. But FBI action that intimidates or silences media around the world under a shroud of secrecy is an extraordinary and grave threat to free speech.


ACTION: Please sign the Indymedia solidarity declaration (http://solidarity.indymedia.org.uk/) denouncing the hard drive seizure and demanding a full disclosure of who is involved in the seizure, a copy of the court order, and an independent investigation into any violations of due process.

For more information and updates, see: http://www.indymedia.org


---------- Your donation to FAIR makes a difference: http://www.fair.org/donate.html

Webmaster's comments: The best way to steal a nation's freedom and get them to do what you want is to keep them in perpetual state of excitement and fear. That's what's been happening in regard to "terrorism," which is still a Much lesser danger than getting killed in an auto accident; we haven't turned our entire nation upside down because of poorly designed cars.

"Terrorism" is being used as an excuse for the minions of our government to do what they have always wanted - clamp down on free speech. And you can bet the corporate backers of some of our seamier politicians would love to have that clamp extended to the only true and free voice left - the Internet. You know what I think of the lies, shallowness and distortions of the mass media. Most of what you read there is unimportant, untrue, or a shadow of what is really happening, if you are told about it at all. That's why people have to start websites. And that's why the corpagovernment forces would dearly love to "harness" the Internet. They'll try every trick, from scaring us with "terrorism" to claiming they want to protect children they would otherwise starve and don't really care about. How
many million children in this nation have NO health insurance, and get sick and die early, and these bums, who vote against health care and child care, turn around and say they worry about hungry and impoverished children reading a swear word? It's hollow words from bribed corporate bums.

Some nations have lost a fifth of their population and recovered gracefully, but our leaders are turning us into a nation of cowards.

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OOPS, I FORGOT

Here is FAIR's infoblurb. It's a great organization that tells you what the lying media doesn't. There is also www.projectcensored.org If you Don't want to be kept in the dark by liars, visit these sites regularly (and read our newsletter ;')

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======================================================

BUSH VOWS TO STUDY QUANTUM PHYSICS AT CALTECH
JOHN KERRY WILL MODEL FOR VOGUE

I know you all skip the appeal for funding, so I thought I'd try to get your attention ;') absurd ;')

PLEASE PITCH IN

Please support our cause if you feel this is important work that should be expanded. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment of $15/yr to:

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OR Pay Via Paypal at: https://[email protected]

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FOR UNUM'S CLAIMS MANUALS AND OTHER DOCS - Email [email protected]

THE UNFINISHED TASK
"Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906


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