AIG Treason Index, and Multiple Corporations Treason
** All evidence has links to official documents
(1) AIG Committed $1.6 Billion Securities Fraud Rigging Bids Before Receiving Bailout of $182 Billion
In the link seen later the Securities and Exchange Commission wrote :
"AIG will pay in excess of $1.6 billion to resolve claims related to improper accounting, bid rigging and practices involving workers’ compensation funds.”
"AIG will pay in excess of $1.6 billion to resolve claims related to improper accounting, bid rigging and practices involving workers’ compensation funds.”
** You’ll see many more corporations have rigged bids, including JP Morgan rigging municipal bids in 31 states and MetLife, Unum and Prudential rigging health care bids. All these corporations received multiple Non Prosecution agreements and some are still committing crimes !!!!!!!!!!!!!!
(2) AIG Aiding & Abetting Securities Fraud
(3) AIG Investigator Endangers Severely Injured War Zone Contractors Life Knowing That He Has Post Traumatic Stress Disorder ! DOL Does Nothing !
This was done after AIG admitted "bid rigging and practices involving workers’ compensation funds” in the United States
(4) Insurance Crime Pandemic - President Obama gets a $30,000 contribution from MetLife VP James Sullivan.
Mr. Sullivan signs MetLife’s third Non Prosecution Agreement for multiple frauds MetLife committed in selling health care policies !!
At the same time the DOL and DOJ do nothing after seeing quotes from numerous U.S. Judges and treating physicians that prove doctors’ paid by MetLife ignore brain lesions, Multiple Sclerosis, a foot a new mother broke in five places, and cardiac conditions of many patients who file claims on the policies that MetLife committed multiple frauds to sell.
******* DOL/DOJ Gives Restitution to Big Businesses, While Doing Nothing For Very Sick and Dying Americans
(5) Multiple Professors write the ERISA insurance laws have been turned upside down but Obama’s Directors do nothing even though the DOL EBSA Statement of Purpose says :
“Under ERISA, the Secretary of Labor is responsible for protecting the rights and financial security of more that 150 million employee benefit plan participants and beneficiaries and for assuring the integrity and effective management of the private pension and welfare benefit system.”
I have only seen them protect the insurance companies and business policy holders.
(6) Prudential $600 Million in Securities Fraud Fines
(7) Prudential, MetLife and Unum get Non Prosecution agreement for same crimes of kick backs
(8) More AIG and Prudential Fraud Agreements
(9) Huge Financial Collapse Treason Including :
(a) Multiple businesses bundled loans that were certain to fail
(b) Then resold the bundled loans as being top rated A+ loans
(c) At the same time they placed financial bets that these bundles would fail.
(d) They reaped huge profits from everything just mentioned!!
(e) This played a huge part in the U.S. and global financial collapse, and hundreds of millions of lives are being destroyed because of this.
I believe this is deadly treason and organized crimes being committed within the United States by multiple major corporations !!
(10) MetLife attacks Psychological claimants as evidenced by quotes from multiple Judges and Doctors, but the DOL/DOJ could not care less !!
** Please view all evidence before clicking on links and remember evidence of treason committed by multiple insurance companies in five different types of insurance as seen at :
http://www.treasonevidence.blogspot.com/
http://www.treasonevidence.blogspot.com/
** I’ve had cancer burned from one eye and orbital surgery on the other eye which was removed from the socket. I’m blessed with finding evidence but please forgive my lack of organizational skills. There is so much evidence of mafia like corporate treason it would be hard for anyone to compile it !!
(1) 1.6 Billion in Fines Two Years Before Bailout of $182 Billion
Here’s a quote from page 19 of the large PDF file seen at :
“For example, after the SEC investigation following its own internal investigation and restatement of its financial statements, AIG agreed to pay more than $1.6 billion in a global settlement agreement related to the SEC’s claim of securities fraud. See Securities and Exchange Commission, Press Release 2006-19, AIG to Pay $800 Million to Settle Securities Fraud Charges by SEC, available at http://www.sec.gov/news/press/2006-19.htm.”
Page nine of the following website confirms :
Settlement Total = $800 million
Criminal Fine/Penalty Portion of Settlement Payment = $25 million
Violation - Securities Fraud
(2)Aiding & Abetting Securities Fraud
In a non-prosecution agreement with DOJ and a settlement with SEC, AIG pays $126 million
• Fine: $80 million
• Disgorgement/interest: $46 million
(3) You’re about to see links to a website that shows a picture of a fake DOL criminal investigator badge that was used by an A.I.G. investigator in Tasmania.
This investigator endangered the lives of a disabled War Zone Contractor and his family !!
** The contractor Marc Munro contacted me after I saw his video posted on the following injured war zone contractors website, and I sent Marc a friend request and helped him decide to contact ProPublica with his story :
This website has written many articles about AIG’s poor treatment of severely injured contractors. (If we support our soldiers we must support contractors, because more of them died last year in Iraq and Afghanistan than soldiers)
Marc and I both have Post traumatic Stress Disorder and we talked several times, and he told me the A.I.G. investigator called him at 5 a.m. and asked him to confirm his name.
The investigator hung up the phone without identifying himself, and this was very disturbing to Marc !!!
The investigator then openly followed Marc and almost caused a wreck by driving on the wrong side of the road.
The A.I.G. investigator did this while knowing that Marc has PTSD from being in a car bomb blast in Iraq that killed 18. Marc’s ear drums burst but he still pulled someone from the flaming wreckage, but this is how A.I.G. treats war heros !!
To my knowledge the DOL and DOJ have done nothing about this even though it happened over two years ago !!
This is very disturbing because the DOL is also ignoring the crimes against severely disabled Americans as seen at :
www.treasonevidence.blogspot.com
www.treasonevidence.blogspot.com
Here’s a link to the picture of the fake DOL ID that is used by the AIG investigator from Malta named Cabot Goslin !!
(4) Insurance Crime Pandemic, Obama Gets $30,000 from MetLife VP Who Then Signs Non Prosecution Agreement, DOL/DOJ Restitution to Big Businesses, While Doing Nothing For Very Sick and Dying Americans
As seen at evidence links on : www.obamacontributorsfelonies.blogspot.com , President Obama received a $30,000 contribution from MetLife VP James Sullivan.
Mr. Sullivan signs MetLife’s third Non Prosecution Agreement for multiple frauds MetLife committed while paying ten million in illegal kick backs to a broker promoting sales of health policies.
At the same time the DOL and DOJ do nothing after seeing quotes from numerous U.S. Judges and treating physicians that prove doctors’ paid by MetLife ignore brain lesions, Multiple Sclerosis, a foot a new mother broke in five places, and cardiac conditions of many patients who file claims on the policies that MetLife committed multiple frauds to sell.
Later please view the quotes from numerous Judges and Doctors seen at www.deadlyorganizedcrimes.blogspot.com
In the DOJ and DOL’s third Non Prosecution agreement they have given to MetLife regarding the Sales of the policies, the Department of Justice wrote this in the agreement:
“It is further understood that MetLife has offered and made restitutionary payments to group policy holders”
So … the big businesses received the sales fraud restitution for the group policies they purchased while they were in perfect physical and financial health !
But the DOL/DOJ have done nothing about MetLife ignoring medical evidence when very sick patients file a claim on the policies that MetLife committed frauds to sell !!
** MetLife admitted to multiple frauds regarding ten million dollars in illegal kickbacks to one broker !!!! They love thses policies so much because they know they can violate as many laws as they want to and nothing will be done !! Later please see the index at www.treasonevidence.blogspot.com to see how MetLife is required to follow seven fiduciary laws at once including acting with “care, skill, diligence, and prudence solely for the participants”
You can also see how proof including multiple Judges quotes about MetLife’s attorneys creating “smokescreens’ and “playing with the facts” and lying in Court !!
And see how Unum insurance received a huge Non Prosecution agreement for crimes committed claims procedures and another one for illegal kick backs in the sales of claims. Judges quotes prove they are still committing the same claims procedure crimes, just like MetLife !!
After seeing all this evidence and more the DOL wrote to me saying “there is nothing we can do” after seeing that many very sick American’s were having their lives destroyed when they file a claim with Metlife !!
Obama’s DOL took care of their self with $13.5 million they got from MetLife as part of their third Non Prosecution agreement !!
Law professor’s wrote the following about more restitution payments !!
“Many of these agreements produce substantial income to the federal government and provide for victims to receive funds (e.g., Aetna Life Insurance paid 5.2 million in fines and restitution; AOL paid a 60 million dollar fine and 150 million into a victims settlement account; Bristol-Myers Squibb is paying 300 million, etc”
These quotes can be seen at :
But why will the DOL/DOJ do nothing to help the very sick patients being destroyed by doctors’ ignoring their medical conditions !!
** In addition to the $30,000 contribution from the MetLife VP, a group of MetLife executives and attorneys gave President Obama $78,980 for his 2008 Presidential campaign, and MetLife spent 41 million lobbying in the last ten years !!
Metlife is also very fond of attacking Psychological patients. U.S. District Judge Richard Enslen wrote :
"Metlife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization.
This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits."
(end of quotes)
There has also been no restitution for the injured war zone contractors who are having their lives destroyed !!
Here are quotes from a ProPublica.org article :
“Reporting in 2009 by ProPublica, the Los Angeles Times and ABC's 20/20 revealed deep flaws in the program.
Workers fought long battles for medical care, including such things as prosthetic devices and treatment for post-traumatic stress disorder. The Labor Department seldom took action to enforce the law. One official called the system a "fiasco."
“CNA withheld portions of the investigators' findings when it submitted the claims to the Labor Department, court records show.”
(5) Professor’s quotes prove multiple insurers are destroying the lives of very sick patients but Obama’s Directors do nothing !!
This quote was written by Joseph Belth, Professor Emeritus for Insurance at Indiana University :
"They've turned Erisa on its head," "It was supposed to protect employees, and it's being used to protect insurers."
(end of quote)
"The most important federal insurance regulation of the past generation is ERISA," says Tom Baker, deputy dean of the University of Pennsylvania Law School in Philadelphia. "If ever a law backfired for the public, ERISA is the perfect example."
John Marshall Law School Professor Mark Debofsky wrote:
“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound. Unum turns out to have been a clumsy villain, but in the hands of subtler operators such misbehavior is much harder to detect.”
(end of quote)
(ERISA is the U.S. Title 29 Employee Retirement Income Security Act which regulates employee benefit health plans of all the 150 million Americans who work for private businesses and corporations in America)
Here are quotes from Aaron Doyle, a professor of sociology and criminology at Carleton University in Ottawa :
“What those numbers don’t measure is the trauma survivors like Jane Pierce face when wrongfully denied, says “Most survivors don’t have the stamina and knowledge to file a lawsuit, says Doyle, who has spent a decade interviewing life insurance customers, employees and regulators in the U.S. and Canada.
John Marshall Law School Professor Mark Debofsky wrote :
“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound. Unum turns out to have been a clumsy villain, but in the hands of subtler operators such misbehavior is much harder to detect.''
Professor Debofsky wrote “insurers” in the plural.
Wealthy insurance companies are inflicting these abusive benefit denials upon very sick patients !! And the DOJ/DOL will do nothing !!!!!!
This quote was written by Joseph Belth, Professor Emeritus for Insurance at Indiana University :
"They've turned Erisa on its head," "It was supposed to protect employees, and it's being used to protect insurers."
(6) Prudential $600 Million in Securities Fraud Fines
As seen in the chart on page two of the following website :
Prudentials Settlement Total on (8/06) was $600 million
Criminal Fine portion $325 million For Securities Fraud
(7) Prudential, MetLife and Unum get Non Prosecution agreement for the same crimes of kick backs
(8) More AIG and Prudential Fraud Agreements
The US Securities and Exchange Commission (SEC) has reached a $12.2 million settlement with reinsurance firm General Re over charges of involvement with accounting frauds at insurers American International Group (AIG) and Prudential Financial.
Separately, the Department of Justice has announced that Gen Re has agreed to pay a $19.5 million settlement to the US Postal Inspection Service Consumer Fraud Fund as part of a non-prosecution agreement in connection with a related criminal investigation into Gen Re’s transactions with AIG.
Further to both these agreements, Gen Re has agreed a class action settlement for $60.5 million with affected AIG shareholders. In addition, the SEC says it has already surrendered approximately $5 million to the government from fees it earned for its participation in the fraudulent scheme with AIG.
The SEC accused Gen Re of involvement in separate schemes by bailed-out insurance giant AIG and New Jersey-based insurer Prudential, saying it helped them to “manipulate and falsify their reported financial results”.
“Gen Re arranged to sell financial products to AIG and Prudential for the sole purpose of enabling those companies to manipulate their accounting results and to mislead investors,” said Andrew Calamari, associate director of the SEC’s New York regional office.
Gen Re is a subsidiary of billionaire Warren Buffet’s Berkshire Hathaway conglomerate. The SEC has previously charged AIG with securities fraud and improper accounting, which AIG settled in February 2006 by paying more than $800 million.
The SEC complaint against Gen Re, filed in the US District Court for the Southern District of New York, claims senior managers at Gen Re helped AIG structure two fake reinsurance transactions between AIG and a Gen Re subsidiary in 2000, and allowed AIG to improperly reverse its declining reserve trend and falsely report additions to both loss reserves and premiums written.
Separate transactions between Gen Re and Prudential Financial allowed Prudential to improperly recognise more than $200 million in revenues between 2000 and 2002. The SEC says Gen Re entered into a series of sham reinsurance contracts with Prudential’s property and casualty division between 1997 and 2002.
“The contracts had no economic substance and purpose other than to allow Prudential to build up and then draw down on an off-balance sheet asset or 'finite bank' parked with Gen Re,” says the SEC.
Separately, the Department of Justice has announced that Gen Re has agreed to pay a $19.5 million settlement to the US Postal Inspection Service Consumer Fraud Fund as part of a non-prosecution agreement in connection with a related criminal investigation into Gen Re’s transactions with AIG.
Further to both these agreements, Gen Re has agreed a class action settlement for $60.5 million with affected AIG shareholders. In addition, the SEC says it has already surrendered approximately $5 million to the government from fees it earned for its participation in the fraudulent scheme with AIG.
The SEC accused Gen Re of involvement in separate schemes by bailed-out insurance giant AIG and New Jersey-based insurer Prudential, saying it helped them to “manipulate and falsify their reported financial results”.
“Gen Re arranged to sell financial products to AIG and Prudential for the sole purpose of enabling those companies to manipulate their accounting results and to mislead investors,” said Andrew Calamari, associate director of the SEC’s New York regional office.
Gen Re is a subsidiary of billionaire Warren Buffet’s Berkshire Hathaway conglomerate. The SEC has previously charged AIG with securities fraud and improper accounting, which AIG settled in February 2006 by paying more than $800 million.
The SEC complaint against Gen Re, filed in the US District Court for the Southern District of New York, claims senior managers at Gen Re helped AIG structure two fake reinsurance transactions between AIG and a Gen Re subsidiary in 2000, and allowed AIG to improperly reverse its declining reserve trend and falsely report additions to both loss reserves and premiums written.
Separate transactions between Gen Re and Prudential Financial allowed Prudential to improperly recognise more than $200 million in revenues between 2000 and 2002. The SEC says Gen Re entered into a series of sham reinsurance contracts with Prudential’s property and casualty division between 1997 and 2002.
“The contracts had no economic substance and purpose other than to allow Prudential to build up and then draw down on an off-balance sheet asset or 'finite bank' parked with Gen Re,” says the SEC.
(9) Financial Collapse treason
You’re about to see a list of 32 Non Prosecution agreements that the DOJ issued in 2010.
Many of the crimes are identical health care or financial fraud and kickbacks !!
Some companies have received multiple Non Prosecution agreements from the DOJ and SEC !!
In addition to those 32 cases, numerous reports seen on Propublica.org, PBS’s Bill Moyers Show, PBS’s Now, and a report written by Joe Nocera, indicate the following :
(1) Multiple businesses bundled loans that were certain to fail
(2) Then resold the bundled loans as being top rated A+ loans
(3) At the same time they placed financial bets that these bundles would fail.
(4) They reaped huge profits from everything just mentioned!!
This played a huge part in the U.S. and global financial collapse, and hundreds of millions of lives are being destroyed because of this.
I believe this is a deadly treason and organized crimes being committed within the United States by multiple major corporations !!
There are many corporations committing multiple types of crimes using identical or very similar tactics.
Many of the crimes are very complex, including the ones that MetLife and Unum are committing in U.S. Title 29 ERISA insurance policies as seen in part two.
These corporations are operating like sophisticated mafias that violate laws whenever they please, because they are confident they will not be prosecuted. If they are caught they pay millions of dollars in fines but this is a small percentage of the profit they reaped from committing the crimes !!
These corporations, including MetLife, that commit identical health care or financial fraud and kickback crimes are enemies of the United States because they have reaped huge profits with crimes and deceptions that have destroyed our economy, left many citizens unemployed and losing their homes, and endanger national security and personal security by destroying sick patients rights to fair and legal claims determinations !!
This link from ProPublica links to 34 stories about multiple companies committing financial crimes, including a story titled :
I assert the U.S. Laws the fact that multiple corporations are engaged in similar and identical complex crimes prove this is treason and insurrection, and they should not be rewarded with Non Prosecution agreements !!
I pray the media sources just mentioned will provide evidence to the Court regarding the articles I’ve seen. Because of my visual problems it will take me years and I do not think I will survive the process.
Here's a link to 32 Non Prosecution agreements the government gave in 2010.
If you scroll down to page three and look in the second column you’ll see how many of the crimes are health care or financial fraud and kickbacks committed by multiple corporations !!
The Corporations paid big fines for the privilege of not being prosecuted, BUT the bid rigging and other crimes continue !!
JPM also received a non prosecution agreement for bid rigging in 32 States on July 6, 2011.
Here’s a quote from the U.S. Department of Justice :
“From 2001 to 2006, certain then-employees of JPM at its municipal derivatives desk (which was closed by the Company in 2008) and/or predecessor desks entered into unlawful agreements to manipulate the bidding process and rig bids on certain relevant municipal contracts, and made payments and engaged in other activities in connection with those agreements, in violation of Section 1 of the Sherman Act, 15 U.S.C. § 1, and certain sections of Title 18 of the United States Code”
The full agreement can be seen at :
AND JP Morgan received another agreement from the SEC. Here are quotes from ProPublica :
“The $154 million settlement the Securities and Exchange Commission wrested from JPMorgan Chase involved only one of more than two dozen mortgage securities deals that the hedge fund Magnetar helped create. As we detailed last year [1], many banks in the waning days of the boom created collateralized debt obligations, or CDOs, with the help of Magnetar, which also bet against many of the same investments.”
The full article can be seen at http://www.propublica.org/article/after-sec-settlement-with-jpmorgan-will-other-banks-be-forced-to-pay-up-too
I believe it’s important to note that almost $3 million dollars was given to President Obama and other political candidates by managers and employees of JP Morgan and JP Morgan Chase in 2008.
Here’s links to $1,862,725 :
Here’s a link to $982,561
I realize that the individual employees who made the contributions were not directly connected to the bid rigging, and they did not intend for their contributions to buy influence.
But their contributions are listed by their employer, and I believe that causes many politicians to give unfair considerations and Non Prosecution to a business that rigged municipal bids in 31 states !!!!
Prudential Insurance, Unum Insurance, and MetLife also committed similar violations regarding health care plans and also received Non Prosecution agreements !!
The companies just mentioned all have received multiple Non Prosecution agreements from multiple government agencies !!!!!
Wachovia Admits Money Laundering, Gets Non Prosecution Agreement After Giving Over One Million in Political Contributions !!
Here’s a link to the U.S. Codes referred to in the agreement. They indicate money laundering is “knowing that the property involved in a financial transaction represents the proceeds of some form of unlawful activity” :
Here’s $1,268,970 in contributions by Wachovia and its employees before Wachovia signed the Non prosecution agreement for $110 Million in Money laundering :
These contributions were to various candidates including Obama:
Wachovia is now a subsidiary of Wells Fargo. The agreement said Wachovia’s violations happened before Wells Fargo acquired them. The agreement shows the DOJ was aware of the acquisition and I believe that makes these contributions important. Here’s $886,400 Wells Fargo and its employees gave to various candidates including Obama
Here’s another $218,525 from Wells Fargo Bank : http://www.campaignmoney.com/finance.asp?type=io&cycle=08&criteria=wells+fargo+bank
Here’s another $99,035 from Wachovia :
Here’s the link to the Wachovia Non Prosecution agreement :
I realize that the employees who made the contributions were not directly connected to the money laundering, and they did not intend for their contributions to buy influence. But their contributions are listed by their employer, and I believe that causes many politicians to give unfair considerations to the business. I am certain that is why MetLife and other insurance companies are allowed to destroy thousands of very sick patients lives as seen at :
Here’s the list of 32 Non Prosecution agreements in 2010. If you scroll down to page three and look in the second column you’ll see how many of the crimes are health care or financial fraud and kickbacks !!
I believe when multiple corporations are engaged in similar and identical complex crimes this is treason and insurrection, and they should not be rewarded with Non Prosecution agreements !!
(10) Four cases prove MetLife loves to attack psychological claimants and DOL/DOJ do nothing !!
Exhibit A
In the case of Brenda Zanny, U.S. District Judge Richard Enslen wrote :
"Metlife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization. This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits."
"Metlife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization. This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits."
“MetLife should investigate the conduct of Mr. Kooi to insure that its agents are not either wittingly or unwittingly subjecting mentally-ill claimants to untoward risks of suicide death or other preventible injury.”
“What is most shocking about the Report is the underlying context. In this instance, Mr. Kooi made the object of videotaped surveillance and spying at her home, on the road, and at her therapist’s offices a woman suffering extreme depression, paranoid symptoms, anxiety toward strangers and a history of repeated suicide attempts.”
“What is most shocking about the Report is the underlying context. In this instance, Mr. Kooi made the object of videotaped surveillance and spying at her home, on the road, and at her therapist’s offices a woman suffering extreme depression, paranoid symptoms, anxiety toward strangers and a history of repeated suicide attempts.”
U.S. District Judge Nancy Gertner won the Thurgood Marshall Award of the American Bar Association in 2008.
Here’s three important quotes Judge Gertner wrote about Metlife:
“It misquoted Whitehouse’s doctors and cherry-picked or took out of context statements made. The denials continued to press factual inaccuracies even after being informed of the errors.”
“Perhaps most egregious of all, it misquotes Dr. Bhan as stating that Whitehouse “[was] able to function” AR 116 when, in fact, he said “she was not able to function.” AR 121 (emphasis added).
“Anderson stated that he was “surprised” that his and Dr. Bhan’s reports were not taken to support Whitehouse’s “serious functional limitations . . . . Mrs. Whitehouse was NOT able to function professionally (or personally), with such a major formal thought disorder as major depression with psychosis.”
Here’s another Psychological case, with three important quotes from Judge Terrence McVerry in SCHWARZWAELDER verses Metlife :
“Her treating/evaluating physicians assessed the stressful nature of that position, deemed it causal to her mental health symptoms and diagnoses, and concluded that (a) Plaintiff was unable to continue to perform under the conditions of that occupation and (b) to attempt to do so would risk serious further consequences to her health. The Administrator's failure to meaningfully address these considerations was arbitrary and capricious.”
“The Court is also highly concerned by the Administrator's rejection of evidence self reported by Plaintiff to her treating/evaluating physicians where (a) MetLife had no basis for rejecting those observing-physicians' conclusions that Plaintiff's evidence was credible.”
(end of quotes)
My personal Psychologist wrote this :
It’s important to note that the DOL and DOJ have protected Metlife even after seeing my Psychologist write that their continuing violations caused me to have Post-traumatic Stress Disorder. She also wrote :
“As a result, he is at greater risk for impulsive acts against himself or others.
“Mr. Schmittou is experiencing intense psychological distress. His intense emotional misery is a daily struggle. His concentration and sleep are impaired.”
“His thoughts and emotions are so troubled he describes feeling that “my brain is on fire”
This Court has acknowledged that MetLife ignored my LTD claim for right eye cancer and left eye orbital surgery for five years.
MetLife did this even after seeing many desperate requests for help including this sentence that was filed in U.S. District Court in Nashville in 2007 :
"the Plaintiff who has had cancer removed from his eye and leg and over 200 biopsies plus stitches in 100 places has no money for follow up treatment."
This Court has acknowledged that MetLife ignored my LTD claim for right eye cancer and left eye orbital surgery for five years.
Here are quotes from U.S. Magistrate Judge Bryant:
“the record is utterly devoid of any glimmer of recognition by Metlife of plaintiff’s attempt to assert an LTD claim, despite plaintiff’s repeated attempts to ascertain the status of the claim(e.g. AR 10, 11 ,25, 28, 33, 81 )”
As you read the following quotes from my psychologist please remember, that when I wrote to MetLife telling them their delays and obfuscations made me often wish I were dead, I only did this after my Cobra insurance expired, I had no money for medical treatment food or housing, and I had sent them 11 polite requests for the status of my claim an d they ignored them all !!
You can see the letters to MetLife at :
The DOL DOJ did nothing after seeing these quotes from my Psychologist :
At various times, Mr. Schmittou has informed Metlife how desperate he has become. He has begged Metlife to stop the delays and obfuscations, because they added to his stress and depression, even to the point he often wished he were dead. Currently, he is so demoralized he is not seeking treatment for suspicious skin lesions or disturbing GI symptoms.
In light of the violations Metlife has committed against Mr. Schmittou and Metlife's awareness of the additional harm caused him, Metlife's actions seem irresponsible, inhumane, dangerous, and reckless.
It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. For example, Metlife’s paid consultant, Dr. Yanik, "evaluated" Mr. Schmittou without ever having seen him or his medical record from 2004 through 2008. In fact, from the time he filed the claims in 2002 until the Court ordered a review in 2008, Metlife ignored both his claims for long-term disability based on vision impairments and on psychological impairments. In treatment, I have observed that the impact of such actions by Metlife has resulted in exacerbation of Mr. Schmititou’s psychological symptoms and periods of significant destabilization.
While being diagnosed with cancer was itself traumatizing, the subsequent nine-year struggle with Metlife has proved even more devastating to Mr. Schmittou. His COBRA insurance expired. He had no money for food, housing, insurance, medical treatment, or medication for four years until he received Social Security Disability benefits. His credit has been ruined. He has had to move in with his parents. He has developed desperate fears about homelessness. Understandably, his mental health deteriorated, traumatized by this threat to his life, his well-being, his sense of wholeness. Now, in addition to his impaired vision, he has intense psychological distress, impaired concentration, impaired frustration tolerance, fitful sleep, irritability, and hypervigilance, all hallmarks of Post-traumatic Stress Disorder (PTSD). As a result, he is at greater risk for impulsive acts against himself or others.
At various times, Mr. Schmittou has informed Metlife how desperate he has become. He has begged Metlife to stop the delays and obfuscations, because they added to his stress and depression, even to the point he often wished he were dead. Currently, he is so demoralized he is not seeking treatment for suspicious skin lesions or disturbing GI symptoms.
In light of the violations Metlife has committed against Mr. Schmittou and Metlife's awareness of the additional harm caused him, Metlife's actions seem irresponsible, inhumane, dangerous, and reckless.
My full Psychologists reports can be seen at :
MetLife was supposed to provide early intervention, help with my social security application, and vocational assistance.
Metlife’s delays, violations and deadlines created extreme and chaos in my life while I was trying to have surgeries and biopsies for multiple cancers and also fight major psychological problems that were caused by MetLife. MetLife was very aware of this.
Metlife’s failure to help me file for social security disability and Medicare as Metlife’s policy says they will do, caused massive confusion and stress in my life, and there was no way I could file for Social Security while having surgeries and fighting MetLife’s violations and my depression at the same time.
This lack of timely filing for Social Security caused me to have to go without medical treatment, surgery and psychological treatment during several extended periods of time between 2003 and 2007. I also had no money for food are housing and had to move in of my parents can sign up for food stamps.
I am very amazed that I survived the stress from this, and still think that I could die any day from the very extreme stress that MetLife continues to cause me as I desperately struggle to survive.
Exhibit B
The DOL and DOJ are also very aware that the latest Non Prosecution agreement is being violated by MetLife !!
One examples is proven by MetLife training agents to ignore evidence, and the DOL and DOJ are aware MetLife is still doing this even after they signed the Non Prosecution agreement !!
In the case of Solomon v. Metlife, Judge Robert Sweet wrote that Metlife trained appeals specialists to ignore evidence from the Social Security Administration (SSA). Here’s one quote from Judge Sweet :
"In addition, as in Glenn, MetLife urged plaintiff to apply for government benefits, but then disregarded the SSA’s grant of benefits. Indeed the appeals specialist assigned to decide Solomon’s appeal stated that she had been trained by MetLife to disregard SSA decisions and that the decision was only relevant if MetLife was paying benefits and could use it for an offset.”
In Exhibit C that was filed on 5/13/11 I have provided quotes from Judges in four more cases who have written that MetLife ignores SSA determinations and makes “no mention whatsoever of the SSA's determination”
**** On May 5th, 2010, which was twenty days after MetLife’s third Non Prosecution Agreement was signed by James Lipscomb, MetLife denied my visual claim and made absolutely no mention of the SSA’s determination !!!!!!!
The DOL and DOJ are very aware of this, but they will do nothing even though the Non Prosecution Agreement has the following quote :
“It is understood that, for the two year terms of the agreement, MetLife shall (A) commit no crimes whatsoever’
“It is further understood that, for the term of this agreement, MetLife shall continue to maintain and strengthen its internal standards and procedures, consistent with Appendix B”
Appendix B Page 3 :
“MetLife has established a Code of Business conduct and Ethics (“the Code”) that applies to all employees of MetLife and its affiliates. Among other things, the Code requires all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs.”
MetLife has committed many more complex crimes in my case since the Non Prosecution agreement was signed, as seen at the following websites :
There you will see how My Psychologist Wrote I’m in a “desperate situation”,
Then a Doctor Paid by MetLife Completely Ignored My Bloody Falls and Accidents !!
“Traumatizing Stress” "Bipolar Diagnosis" Was Written By My Psychologist
MetLife read this and then ignored profound statements written by Nashville Baptist Hospital’s Chief of Ophthalmology about my Left Eye that was removed from the socket during surgery. (I am legally blind in my Right eye due to cancer)
There you will see how the DOL has a contract with a large corporation named MES, and in 2011, a year after the Non prosecution agreement was signed, MES’s doctor Dr. Goetz was paid by MetLife and he reviewed the evidence where I repeatedly told MetLife it is my left eye pulsing in the DVD.
In spite of this Dr. Goetz falsely wrote it was my right cancerous eye that pulsed and said that would not cause left eye problems.
This is a huge intentional error because the left eye pulsing has caused huge problems since my right eye got cancer.
Dr. Goetz is the same doctor who never mentioned one word about my extensive falls and accidents as seen at the third link above.
I repeatedly wrote to MetLife telling them it was my left eye in the DVD multiple times because in 2010 MetLife’s consultant Dr. Weber also falsely wrote it is the right eye seen in the DVD.
You can see evidence of this, and how MetLife dissected and fraudulently reconstructed my surgeons sentences by going to :
You can also see how they sent my treating physicians a fax on February 9th and gave them until February 6th to respond.
Please note the deadline to respond occurred 3 days before the fax was sent !!
Knowing that I have Post Traumatic Stress disorder, MetLife sent me a letter that gave me zero business days to find and contact doctors I had not seen in many years, and they would have zero business days to read and respond to the extensive information !!
If they disagreed they must respond !! I had to be very assertive to get doctors have not seen in years to respond, and then as seen at the website MetLife ignored their responses or fraudulently reconstructed sentences !!
Everything that is just mentioned was used by MetLife to deny my visual claim on May 5th, 2010, and this was twenty days after MetLife signed the Non Prosecution agreement that said :
“It is further understood that, for the term of this agreement, MetLife shall continue to maintain and strengthen its internal standards and procedures, consistent with Appendix B”
Appendix B Page 3 :
“MetLife has established a Code of Business conduct and Ethics (“the Code”) that applies to all employees of MetLife and its affiliates. Among other things, the Code requires all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs.”
MetLife has so many patterns of fraud but the DOL will do nothing to stop them !!
Exhibit D that was filed on 5/13/11 shows Judges quotes in six cases that prove MetLife’s Complex Fraud regarding vocational determinations
