CORPORATE CRIMEFIGHTERS OF AMERICA -- Dec 31, 2005

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AND OF COURSE, HAPPY NEW YEAR!

I know a lot of you are not in the best situation, but as I grow older I realize that your attitude can mean a lot. It can increase your suffering or alleviate it. Naturally, Unum and other insurers would rather you got really? upset, since this weakens you as an adversary. So spite them and try to feel the good parts of your life and not dwell on the bad. This too will pass, as the saying goes.

I usually have a New Year's wish that truth and justice will triumph, but we are now under the most pro-insurer, corrupt government in? history, so maybe I'll wait for next year.

Our federal and state governments are totally corrupt and pro-insurer. Most judges are very biased, since they get free vacations and "fees" from insurers (see tripsforjudges.com) Our media is nothing but a worthless pack of lies and distortions, ranking behind Bulgaria in freedom of the press. It's totally corporatized. You won't hear the truth from the mainstream media, which is why you have to hunt it down on the web.

But if there is one thing that has been true throughout all of history, it is that corrupt organizations eventually destroy themselves, imploding like Enron, to leave room for something more honest. Unfortunately, our entire nation has become corrupt and apathetic. If history is any guide, we are at the end of the American empire, UNLESS the people wake up, take back their government,? demanding honesty and fair play, and long, long jail time for the corporate criminals who are now running the show.

But in your own life, as I've said, look for the good this new year. It is usually there, somewhere. You only have to turn on the news to see there are people even worse off, in tsunami areas or Africa. It would be nice if we could spend our billions helping them, and helping our own sick people, instead of invading a nation that caused us no harm, and posed no threat, beyond the fantasies spun by liars who are greedy for oil. I don't mean you should think everything is peachy, just don't Focus on the bad all the time, and think and talk and worry over such stuff. That can drive you nuts. When you find yourself in a bad train of thought, change trains ;')? Think about the problems in your life from an engineering standpoint - how to apply practical solutions - or don't think about them.? Worry only weakens you, which is what the insurers want.

Actually, I do think there will be a breakthrough this year. At the very least, a lot of rot will be exposed. As usual, the Internet will lead and the tired corporate prostitutes who call themselves journalists will be forced to eventually report the news when everyone else knows about it.? Although they'll still play it down and distort it.? (By the way, I don't mean to insult prostitutes by comparing them to journalists - it's just a turn of phrase ;')

Well, I've blathered on long enough. Here is the usual news, and appeals from other victims. In the new year I am hoping to form more of a community, so people can advise each other, but I am maxed out on this effort since I need to get a life ;'). If anyone out there wants to start a discussion board for insurance victims, and moderate it (there are plenty of free ones available on the net), talk to me. It will be your show, but I'll post the URL of the board here and on the site and let you use the subscription list to invite members. (Don't worry, you'll have a choice whether to join or not. Since I have a public email address I wrestle with hundreds of spams every day and am totally down on people being subscribed to something without their say-so.)

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AN EXCELLENT IDEA

Former Award Winning Allstate Attorney, Who Now Represents Injured Plaintiffs Against Insurers, Pitches "Personal Injury" TV Series

*(What happened at Allstate to cause this attorney to leave his comfortable job & stand up against insurers?)

http://www.insurancejournal.com/news/east/2005/12/14/62972.htm

N.Y. Lawyer Pitches 'Personal Injury' TV Series to Hollywood

December 14, 2005

New York personal injury lawyer Warren Redlich is developing a television series entitled "Personal Injury."

Redlich says he met with eight Hollywood industry leaders at the Screenwriting Expo in Los Angeles in November to pitch the concept, and is in preliminary talks with a producer/director.

"TV audiences are very interested in law-related procedural drama shows. Our series extends this approach to personal injury cases. Each show starts with a car accident or other accident. It depicts lawyers bringing cases together and interacting with victims, insurance companies and the court system. This show will depict how personal injury cases are handled and we believe this will resonate with TV audiences," said the former Allstate attorney who now represents injured plaitiffs against insurers from his Albany law firm.

By developing a personal injury law television series, attorney Redlich says he is "actively promoting understanding of how injury cases are resolved. This will help all participants better understand how the process works and what to expect in a personal injury case."

Redlich said he won two awards as Allstate's top trial attorney in upstate New York and one award as that firm's top attorney in the northeastern U.S. Now his law firm represents injured plaintiffs against insurance companies.

Source: Redlich Personal Injury Law Firm

http://h-net.msu.edu/cgi-bin/logbrowse.pl?trx=vx&list=H-Labor&month=0512&week=b&msg=+RTW9232QpoulVccoggkYQ&user=&pw=

Webmaster's comments: it would be great if this actually happened. Most Americans get their news from TV (and commercials).? We need a show that exposes the horror of rotten insurers, and the totall worthlesness of "regulatory" agencies, along with the dilatory and unfair activities of crooked judges.? I doubt they will show All that, though. It's so corrupt that no one would beleieve it, even though it's true.

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ANOTHER VICTIM

Good afternoon,?  i??™m curious about this ???unum??™s secret claims manuals now available???.?  Unum is my long term insurance carrier and they are playing games.? ?  I have been disable since november of 2003.?  Short term was not much?  of a problem, however, long-term is.?  At first is was they never?  received my paper work, then my medical records were never received,?  even though they had been sent by my doctor, and my attorney twice.?  Now?  there latest thing is that i own them over 13,000.00 So they have?  stopped my checks till i pay them back.?  This was a plan i paid into while i was employed they are saying now?  that i??™m only entitled to 60% of my pay.? 

Yes that is correct but i?  should be able to get my social security disability insurance which i?  have also been paying into since the age of 18.?  Unum says i??™m not?  entitled to my ssdi so they are deducting it from my pay.?  Since i can?  not afford to pay them back they have stopped sending me money.?  Unum has pulled this bs of agreeing with my doctor that i can not?  work, for every 15 minutes of sitting i??™m flat on my back for 3 hours,?  but then says i can work.?  I ended up getting an attorney who just cost?  me 300.00 A month and he has not done anything.?  At this time i??™m forced?  to file bankruptcy! Once my mortgage is paid i have aprox. 150.00 To?  pay utilities, phone, food, medication (1,500.00 Monthly), doctor apts.?  Etc??¦ i am just now qualifying for state medical.?  I??™m complete?  stressed out, i am no longer sleeping, if i do it??™s for maybe 1 hour a?  night.? ? 

Is there any recourse? Any information you can send me will be?  greatly appreciated.?  Right now there is close to 9,000.00 Unum owes me?  for back pay.?  Is there anything you can suggest?

Thank you

Diana Vinsick

Mydirtyboots@netscape.com

Webmaster's comments: Gee,and their CEO just gave a speech that Unum has turned over a new leaf. Sure they have.

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CAPITALISM IS GREAT, EXCEPT WHEN INSURERS LOSE MONEY; THEN THEY LOVE GOVT. SOCIALISM

Liddy's Thinly Veiled Attempt to Have Taxpayers "Partner" With Allstate To Pay Catastrohic Claims.

Allstate already factors catastrophe (CAT) losses into their rates.? Obviously they do not want to pay what they owe on the CAT losses less it cuts into their profits.

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http://releases.usnewswire.com/GetRelease.asp?id=58734

NPC Morning Newsmaker Program: Allstate CEO to Discuss how U.S. Can Best Prepare for Natural Disasters, as Well as Their Impact

12/30/2005 10:58:00 AM



--------------------------------------------------------------------------------

To: Assignment Desk, Daybook Editor

Contact: Chuck Kaiser, 847-402-5262; 847-612-9687 (cell), ckai2@allstate.com

News Advisory:

Edward M. Liddy, the chief executive officer and chairman of the largest publicly held personal lines insurance company in the United States, will hold a "Morning Newsmaker" discussion Friday, Jan. 13 2006, at 10 a.m. at the National Press Club, National Press Building (13th floor), 14th & F streets NW, Washington, D.C.

Liddy will discuss how America can best prepare for manmade and natural disasters, as well as how catastrophic disasters affect the social fabric and economic livelihood of Americans.

Liddy has been with Allstate since 1994 and has been chairman since 1999. A board member of the Insurance Institute for Highway Safety and the Insurance Information Institute, Liddy leads a company that believes U.S. disaster management systems are flawed and do not help the nation prepare and recover from catastrophes such as hurricanes and earthquakes. He believes in strengthening the partnership between the public and private sectors to establish national and state funds to protect people, families, communities and the nation's economy from damage caused by disasters.

http://www.usnewswire.com/

Webmaster's comments: This is the same thing Unum does. They get fat on all the premiums, but when someone is disabled, they deny the claim and "suggest" they go on SSDI, becoming a burden to the taxpayer while Unum reaps all the profits. All profit, no risk, thanks to their confederates in the government, who would track you down for cheating on a hundred bucks worth of taxes, but who let corporations rape the taxpayer for trillions.

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WORKER SAFETY UNDER SEIGE (SO WHAT ELSE IS NEW?)

From: Vernon Mogensen <vmogensen@nyc.rr.com> add to contacts

List Editor: merithew@MAIL.H-NET.MSU.EDU


Some readers of H-labor may be interested in the articles included in this? new book I edited.

Best regards,

Vernon Mogensen

Associate Professor of Political Science

Kingsborough Community College, CUNY

Brooklyn, NY 11235

vmogensen@kingsborough.edu

Worker Safety Under Siege: Labor, Capital and the Politics of Workplace

Safety in a Deregulated World"

Vernon Mogensen, editor

M.E. Sharpe, 800-541-6563

Cloth ISBN: 0-7656-1448-0

USD $69.95

Paper ISBN: 0-7656-1449-9

USD: $24.95

This book argues that the right of workers to safe and healthful? workplacesis under greater attack today than at any time since the passage of the landmark Occupational Safety and Health Act in 1970. The collection is? organized around three thematic issues that pose significant challenges to the Occupational Safety and Health Administration's ability to protect? workers' safety and health. First, the economy has shifted from an industrial base to a white collar/service base which includes more women? workers than ever before--yet many of the safety and health problems that? affect women are not being adequately addressed. Second, free market ideology and globalization have served to undermine worker safety and? health? laws. And finally, the effects of 9/11 have exacerbated the trend toward? weakening workers' rights and safety standards in the name of national security.

Introduction Vernon Mogensen

I. Free-Market Ideology and the Evisceration of Workers' Safety Rights

1. Acts of God, Acts of Man: The Invisibility of Workplace Death, Jordan

Barab

2. Criminal Neglect: How Dangerous Employers Stay Safe from Prosecution,

Rory O'Neill

3. Regulating Risk at Work: Is Expert Paternalism the Answer to Worker

Irrationality? Peter Dorman

II. Old and New Challenges to Occupational Safety and Health in the

United States

4. Silicosis and the Ongoing Struggle to Protect Workers' Health, Gerald

Markowitz and David Rosner

5. How Safe Are U.S. Workplaces for Spanish Speaking Workers? Laura H.

Rhodes

6. Got Air? The Campaign to Improve Indoor Air Quality at the City

University of New York, Joan Greenbaum and David Kotelchuck

7. State or Society? The Rise and Repeal of OSHA's Ergonomics Standard,

Vernon Mogensen

III. The Impact of Neoliberalism on Workers' Safety Rights Abroad:

Selected Case Studies

8. The 10 Percenters: Gender, Nationality, and Occupational Health in

Canada, Penney Kome

9. All That Is Solid Melts into Air: Worker Participation and

Occupational Health and Safety Regulation in Ontario, 1970-2000,Robert Storey and Eric

Tucker

10. The Sinking of the Neoliberal P-36 Platform in Brazil, Carlos

Eduardo Siqueira and Nadia Haiama-Neurohr

11. Health and Safety at Work in Russia and Hungary: Illusion and

Reality in the Transition Crisis, Michael Haynes and Rumy Husan

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YEAH, RIGHT

Days of 'arrogance' are gone, UnumProvident CEO says

December 13, 2005

PORTLAND, Maine --Problems including lawsuits, stock losses and negative publicity have created a humbler UnumProvident Corp. that is emerging from its financial troubles as a stronger company, the company's chief executive says.

The nation's largest disability insurance company has been cleansed of the "arrogance" brought about by market dominance, said Tom Watjen, president and CEO.

"In claims, it may have been one of the areas where the corporate arrogance came through," he said. These days, he said, UnumProvident is stressing customer service and a more humble approach with its customers.

Watjen stepped in two years ago to replaced ousted president and CEO J. Harold Chandler.

A difficult merger, unexpected financial losses and steep stock drops were compounded by accusations that the company withheld payments on valid claims led to investigations by attorneys general and a spate of bad publicity.

Those difficulties have led to a change in business strategy in which the company picks and chooses customers that promise better profitability instead of simply chasing large customers, Watjen said.

The rebuilding process, which included the sale of some business units and restructuring of debt, is complete, he told the Portland Press Herald.

California recently reached a settlement on its complaints with UnumProvident, following completion of a review of business practices ratified by 47 other states. And the company's once-tarnished stock is rising again.

UnumProvident's financial problems were came about in part because the company became "a little too enamored of growth" and focused on increasing the number of clients rather than focusing on whether the policies themselves were making money, Watjen said.

These days, the company has raised its rates, taking a hit on the sales side to ensure that the bottom line is stronger.

UnumProvident stock, which traded as low as $6 a share in early 2003, now trades at around $22 a share.

Vanessa Wilson, a stock analyst with Deutsche Bank, said Watjen has completed his key tasks. "If you think about a to-do list, other than executing and running the company, at this point I don't think there's some big looming item to do at this point," she said.

Watjen said he is proud of having turned things around without mass layoffs, saying that's what happens when companies allow themselves to become bloated. UnumProvident has about 12,000 employees, including 3,600 in Portland.

As for attitude, he said the company has been cleansed of the "arrogance" caused by market dominance. That arrogance, Watjen said, was fostered by corporate officials. "It was very much a topdown, 'don't really care what the employees think attitude,'" he said.

Watjen insists that mind-set is now gone. He'd like to see UnumProvident start appearing on those "best places to work" lists. "That's a stretch goal for us, but it's one we're trying to achieve," he said.

Webmaster's comments: Funny - I keep getting reports from denied claimants, EVERY DAY, who say they are still being treated with arrogance and disdain. Can we deduce from this that the man who designed Unum's claim cheating, and was then made CEO, has not changed? his spots?

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THE CORRUPTION THAT IS KAISER

Webmaster's comments: Although I focus on Unum, insurance is America's largest ongoing criminal enterprise, so I like to present info on companies that I also get many reports on. Unfortunately, I don't have the time, money or clerical help to report on even the top ten villians regularly, but they are out there and Kaiser is among them:



cphil49401@aol.com writes:ERISA REFORM - The Big Picture

? Date:?  12/12/05 12:21:34 PM Pacific Standard Time

? I am a physician in Fresno, California, the center of Kaiser California

expansion.?  And expansion is needed as well as a $40,000,000/year Thrive campaign

just to keep national Kaiser membership flat.?  Luckily people are catching on

and Kaiser will never again get to 9 million card holders unless they buy

their way there.?  (That is how they got into Washington, DC - to buy a Humana Plan

as the latter was making a market exit; there was no official invitation to

be closer to their lobbyists.)

? As a former hourly ("pool") physician in Kaiser, I know Kaiser Permanente

all too well.?  In fact, I am sometimes called a Kaiser-ologist.?  And, in fact,

human "health care" institutions can increase illness either by acts of

omission or comission wherein a specialist physician on HMO tricks may be needed just

to make the right patient diagnosis and open doors of external treatment. ? 

Keep copies of all chart material for instant, outside second opinion has always

been my advice to those stuck with Kaiser - any many jobs only give one

choice these days; originally it was mandated that employees always have two

choices.)

? My concern with the ERISA protection is not so much looking for the worst

cases in the country of terrible outcome and inability to sue HMOs, but rather

with the terrible general ethics than have sprung up between HMOs and their

co-conspirator IPAs because they have achieved diplomat ERISA status protection

and have no fear of suit for general corruption.?  Despite turning out terrible

provider apples, the rotten barrels are left unexamined.?  The HMOs like to

pretend they are on the cutting edge of safety systems; they have cut general

safety out of patient care a long time ago.

? And the responsibility does fall back on Congress who both made up the term

HMO in the first place and who passed first the HMO Act of 1973 and then added

he ERISA shield no long after.?  HMOs are the "creature of Congress,"

according to the Supreme Court.?  Only Congress can really give back the right to sue

that was taken from the general population of this country, reserved only for

all those connected to government.?  The Patient Bill of Rights is about

RESTORING the right to sue health plans that was removed by ERISA; it is not about

the creation of a new right never present on this land.

? To biopsy the disease of HMO-corruption, one need only go to the original

Mother of them all - Kaiser Permanente to see how far the industry is willing to

go.?  Such an examination only plays out the time worn phrase, "Power

corrupts; absolute power currupts absolutely" - used, for example, by President

Kennedy at Amherst Collge at the dedication of the Robert Frost Library.?  His theme

for that speach was power corrupts; poetry cleanses.?  [His assicination

occurred not long after.]

? Kaiser Permanente - first of all - holds out to be a "non profit" medical

care plan, and thus different from the rest of the profit enslaved organizations

beholding to Wall Street and not the patient.?  In truth, Kaiser Permanente is

a partnership of a nonprofit HMO plan that turns over half of its preplanned

profit ("excessive benefits") - each year to the physician partners in profit.

? In 2004 the Permanente physicians received - above their high salaries and

benefits - another $900,000,000 to split as "shareholders"; the docs may get a

billion dollar, fee splitting tip this year (carefully exempted from Stark I

and II Laws). ? 

? The principal skill to achieve profit is to withhold care.?  The child who

lost his arms and legs and was the poster child for the Patient Bill of Rights

campaign a few years back was a victim of a Kaiser dispatcher in Atlanta trying

to save money by having the child bypass hospitals to get to a Kaiser

facility.?  But this type of planning is done on a daily basis and jointly by the

Kaiser Plan CEO - now Mr. George Halverson - and the President of the Permanente

Federation - Dr. Francis "Jay" Crosson - working down the hall from one another

in Oakland and controlling all of the Kaiser "portals" like Atlanta. ? 

? Kaiser's next ad tag line is that the physicians are just employees who are

left "to be physicians" (the white coat ethic and image) and not bugged by

accountants.?  The truth is that every Kaiser physician is looked upon by Oakland

as a "cost center" and required to have "group accountability," "benchmarked"

on every decision to be sure that physcian is "managed care suitable."?  Thus

the MDs are Kaiserized into being their own accountants first - following the

"group ethic" - with the Hippocratic oath quite secondary (more the illusion of

care).?  Patients are really only business units - "external customers" who

are largely the "worried well" deserving only of "team care" - an RN who gives

out cold packs without diagnostic training.?  A Kaiser FNP missed anthrax in a

Maryland postman even though he proposed the diagnosis at the clinic door - his

death was recorded on a 9-1-1 call.

? Kaiser's third tag line is that it is award winning.?  Yet it has designed

most of the awards first.?  The accreditation unit NCQA using HEDIS criteria was

first owned by the plans, carefully designed, and then sent off as

"independent" with health plan control to this day.?  So the plans say they beat private

care by matching HEDIS criteria - about all that they do.?  Nurses run

cholesterol clinics just to achieve HEDIS points.

? At the same time, they try to beat private care by doing better on "outcome"

surveys.?  But this is gamed as well.?  Kaiser doctos will talk chest pain

patients into no heroic care at the Emergency Room door and thus select only a

relatively healthy group to be treated.?  Then Kaiser's outcome on heart attack

looks better, the other Kaiser patients (25%) treated statistically as if "dead

at the scene."?  In fact, by not treating the more challenging patients, their

total outcome for heart attack is really worse than that of private medicine.

? Pill splitting is another terrible ethical move by this Mother HMO.?  The

pills do not split evenly even when split by graduate students and careful

measuring (the McDermott study).?  The swing in doses is 40 %, worse when seniors do

it.?  Kaiser lies by calling this their "pill halving program."?  Seniors end up

with all sorts of sizes of pills which is really no care at all.?  All to save

a buck, split the buck with the docs and Kaiser hospital execs, and set up

the docs as millionaires on retirement.?  Pill splitting lost as a court issue

against Kaiser (Timmis v. Kaiser) only because the appeal judges said it was the

job of the (sleeping) regulators.

? HMOs like Kaiser also change normal lab values to catch less disease.?  The

creatinine "normal" is allowed to go from a ceiling of 1.3 to 1.5 - silent

damage being done before disease recognition (even as such damage predicted in

Kaiser articles in The Permanente Journal).?  This type of organizational

superiority only comes when there is a government wink that regulators will no comment

on this one.?  This lab 250 page report of test manipulation - completed on

invitation - from Congress can be found on HARP.org.

? Kaiser has become so emancipated from any sort of regulation that it has no

compunction against altering patient's chart and records should there be a bad

outcome.?  THIS IS DONE IN EVERY KAISER MEDMAL CASE - e.g. male patients find

women's necklaces on their x-rays.?  And the government shows no interest in

this evidence tampering - the legal field tilted to vertical against the

patient. ? 

? The ERISA protection argument should be fought, then, at two levels.?  First,

it should be fought with the dramatic individual cases such as are being

collected now - those that should be able to sue for organizational corruption. ? 

? But second, it should be fought on the basis that ERISA protection generates

such HMO power that the whole system (barrel) is rottan.?  Groups of patients

must be able to sue for advertising lies, tampering with quality measurements,

tampering with testing, tampering with patient medications, tampering with

charts after patient damage, etc.?  The whole "group ethic" is Kaiser's "wind" to

achieive its "sustainable future."?  (See Reporter Pathway on the

KaiserPapers.info - focusing on the Permanente Map.) ? 

? And government regulators need to be put to pasture if they can't do their

jobs.?  HMO regulatory control is a little like FEMA's performance in New

Orleans.?  If you don't care about patient safety as a regulator, you belong out to

pasture counting your retirement dollars.

? Enron represented both enormous organizational corruption but also the

required enabling by Wall Street, banks, and government.?  HMOs are simply medical

Enrons - Kaiser being the most unethical.?  Congress must stop enabling them to

hurt American citizens.?  The ERISA protection and its diplomatic status must

go.?  It is simply a matter of restoring a right once held by all of us.

? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?  Chuck Phillips, MD, FACEP

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CITIZENS HEALTH CARE WORKING GROUP

My husband is a member of Union 1776 or the United Food and Commercial Workers International Union out of Phila. ? 
This union puts out a quarterly publication called "Working America,"?  In the Winter 05 issue called "A Worker Voice
? in the Health Care Debate." the union urged all members, their family, friends, and neighbors to check out the Citizens'
? Health Care Working Group or CHCWG website which came about as a result of Congress passing a law in 2003.?  I am only
quoting them here in their article, Jim.?  If you have any questions, check into the union's website
at www.ufcw4healthcare.org and then check into the Citizens' Health Care Working Group.

? I googled CHCWG and got it.?  There is some interesting statistical data in there, as well.BTW, my love to both you and J

Webmaster's comments: Despite all the boosterism from jingoistic liars, the United States is rapidly devolving into one of the worst health care systems in the civilized world. Anyone who has had the ill fortune to be delivered?  into its mercies knows this, but some folks remain deluded. We pay more money for less care and that care is totally disorganized, not to mention unfairly delivered. But then, what can you expect when we allowed the, gag, Insurance Companies to run our health care system?

By the way, if you see wierd spacing or formatting in some articles, I receive them in all sorts of formats, and translating them to HTML is sometimes problematic. When I do t hink I have it figured out, the online editor seems to change its rules.?  In the case of long articles I may just let the formatting pass,?  since this is still a solo operation with no clerical help - your patience is appreciated ;')

Judy is too ill to do much?  work on this anymore, although of course Unum claims she is in top health. She does wish everyone a happy holiday and all that, of course.

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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' Bumsted Rd.

Monson, MA 01057

OR Via Paypal at: https://www.paypal.com/affil/pal=cybervigil@earthlink.net

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

UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email manuals@micethatroar.com 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