Friday, June 8, 2012

Obama campaign contributors are connected to "related fraudulent conduct" and their dangerous crimes continue !!


Quotes I compiled from 51 Federal Judges prove MetLife and doctors paid by MetLife ignore life threatening medical conditions (including Multiple Sclerosis, brain lesions, cardiac conditions and cancer of many patients) when patients file claims on policies that MetLife rigged bids to sell !!


(Quote examples begin 7 sentences below)


Judges also wrote MetLife conceals documents from patients and MetLife’s attorneys lie in Court if the patient lives to get to Court.
U.S. District Judge Richard Enslen wrote “MetLife and its henchmen” because MetLife also endangers many psychological patients.
You’ll see I asked the court to stop these crimes and a Federal Judge wrote to me saying the Attorney General is the only one who has the authority to stop them.

Obama and his AG refuse to take action even though they have received this evidence many times and they are very aware the patients can die during the years it takes their claim to be resolved by the Courts !!
The Exhibits prove two MetLife executives gave Obama huge contributions. One year later they signed agreements where no one is prosecuted for bid rigging and “related fraudulent conduct”.

You'll also see MetLife continues to ignore life threatening medical conditions and fabricate pre-existing conditions when patients file claims on the policies that MetLife rigged bids to sell !!

Unum and Prudential also rigged bids exactly like MetLife did !! This is a small portion of the crimes you’ll see MetLife and other insurance companies commit repeatedly and simultaneously !!


Here are five examples of Judges quotes followed by a link to more :


U.S. Magistrate Judge Jennifer Guerm wrote these quotes in the case of Wright verses Metlife :

"MetLife relied on clearly erroneous findings of fact in making its benefit determination. MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways. On October 18, 2004, Dr. Barnett wrote a letter to MetLife stating:

"I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition. Indeed, Mr. Wright has ongoing cardiac disease including ischemia and loss of function due to previous myocardial infarctions."
(Dr. Barnett is Mr. Wright’s heart specialist)
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” when, in fact, he said “she was not able to function.”
MetLife also endangers multiple psychological patients.

U.S. District Judge Richard Enslen wrote this in Zanny verses MetLife :

"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)

(Please do not click on any links until you have reviewed this entire document)

More Judges quotes are seen in Exhibit C or you can view them later at : http://www.deadlyorganizedcrimes.blogspot.com/  
Three separate Judges wrote that private law firms paid by MetLife lie in court if the patient lives long enough to get to Court
Here are two examples :

In the case of Jagielski v. MetLife U.S. District Judge Arthur J. Schwab wrote :

In light of counsel for MetLife’s repeated and flagrant obfuscation, smoke screens and “clever” couching of its statements of fact, it is ironic, to say the very least, that MetLife’s opposition to plaintiff’s motion for summary judgment accuses plaintiff repeatedly of “lack of candor and attempts to mislead the Court.”
(end of quote)
In the case of Illiena Volynskaya U.S. District Judge Susan Illston wrote about “other cases in which MetLife has played with the facts.”

MetLife’s attorneys continued lying in Court in my case after seeing this quote : 
 "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."
I would have died if my family had not helped me after my savings were depleted !!
Part of the extensive lies in my case are seen in Judges quotes in the last case posted at :

www.lawyerslyingincourt.blogspot.com

MetLife also trains agents to ignore evidence !!
U.S. District Judge Robert Sweet wrote :
the appeals specialist assigned to decide Solomon’s appeal stated that she had been trained by MetLife to disregard SSA decisions
Quotes from eleven more Federal Judges prove MetLife disregards identical evidence in multiple claims and this continues now.

Later please view :

Please multiply the quotes you’ve just seen times 51 Judges !!
This is all occurring while many patients are often desperately struggling to survive their major medical problems and surgeries !!

I asked the Federal Court to stop this crime pattern but U.S. Magistrate Judge Bryant in Nashville wrote :
the enforcement of such provisions is the exclusive prerogative of the Attorney General”



Obama and the AG he appointed refuse to take action after receiving all this evidence multiple times via certified mailings to the White House, court documents, and personal visits to the FBI and U.S. Attorney’s office !! I can prove Obama was on a call I received from the DOL Regional Manager on 12/23/10 !!

They are very aware many patients can die during the years it takes their claim to be resolved by the Courts !!

Obama is responsible for managing the actions of his appointees and correcting their failures !! I’m certain he’s aware of the evidence I’ve presented so many times !!
(Bribery evidence is seen five sentences below)

Seven Laws Violated Simultaneously and Repeatedly
MetLife and other insurance companies are violating seven laws simultaneously including U.S. Title 29 1104 which mandates:
a fiduciary shall discharge his duties with respect to a plan solely in the interest of the participants with care, skill, prudence, and diligence
They are also required to have safeguards in place and follow other laws to prevent violations.

In exchange for agreeing to these laws the insurance companies are allowed to sell trillions of dollars in policies and they cannot be sued for punitive damages even if they cause patients deaths !!!!!!

All these violations are a dangerous distraction to patient’s medical treatment and surgery. The stress can be devastating !!!!

Later please view : http://www.sevenlawsviolated.blogspot.com/  

Obama Bribery and Bid Rigging !!

(1)          Federal Court documents seen in Exhibit A prove MetLife rigged huge bids to increase sales of these exact same policies !!

(2)          Links to campaign documents I found prove MetLife and two MetLife executives gave Obama large contributions before they admitted rigging the bids !!

(3)          One year later these two MetLife executives signed the DOJ agreement where NO ONE WAS PROSECUTED by Obama’s DOJ and DOL Directors for the bid rigging !!


(4)          The first page of the DOJ document was addressed to MetLife’s counsel Bruce Yannett whose law firm gave Obama hundreds of thousands of dollars in contributions  !!

(5)          MetLife admitted “related fraudulent conduct


The Exhibits prove MetLife continues to ignore medical evidence when patients file claims on the policies that MetLife rigged bids to sell !!

Current Violation of the Bid Rigging Agreement

The DOJ wrote this in the bid rigging agreement :
“It is understood that, for the two year terms of the agreement, MetLife shall commit no crimes whatsoever. MetLife shall continue to maintain and strengthen its internal standards and procedures. The Code requires all MetLife employees to comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs.”
(end of quotes)
Quotes from eleven Judges prove patterns of MetLife training agents to ignore identical evidence in multiple claims !! This has continued after MetLife signed the bid rigging agreement. Later please view all the cases plus the red print that is posted in two locations at :

RICO Organized Crimes and Another Violation of the Bid Rigging Agreement

MetLife pays millions of dollars a year to two corporations named MES and Network Medical Review.

I’ve seen many cases where Judges have written that doctors paid by NMR ignore medical evidence !!

In 2010 and 2011 two MetLife claims specialists and three doctors from MES and Network Medical Review all ignored the exact same medical evidence in five separate reports they wrote in my claim.

They completely ignored my medical history of bloody falls and accidents and almost knocking myself out multiple times by walking into sharp edged door frames etc.

They all completely ignored the exact same quotes that my eye cancer surgeon Dr. Wallace wrote in a one page letter that corrected false statements made by another doctor paid by MetLife !!!!

There are many more errors and omissions and the record proves I repeatedly told Metlife and NMR and MES’s doctors about their errors but they refused to correct them !!

Later please see the detailed criminal evidence posted at :




Title 29 U.S.C. 1141  mandates :

 "It shall be unlawful for any person through the use of fraud to restrain or attempt to restrain any participant or beneficiary for the purpose of interfering with or preventing the exercise of any right to which he is or may become entitled under the plan, this title. Any person who willfully violates this section shall be fined $10,000 or imprisoned for not more than one year, or both. The amount of fine is governed by 18 U.S.C. § 3571.

(end of quotes)

MetLife and many more insurance companies are engaged in multiple types of simultaneous fraudulent restraint in many cases but Obama’s appointees who direct the DOL and DOJ do not care !!

Prudential, Unum, and MetLife all simultaneously rigged huge bids to increase sales of these exact same types of policies!! No one was prosecuted !!

Here’s a quote from the Government’s press release in 2010 :
“These large insurance companies were lining the pockets of a San Diego insurance broker in exchange for sending business their way,” said DA Dumanis.
Later please view :
I have multiple sources who can prove Unum continues to violate numerous laws now just like MetLife !! Part of the evidence on past and present Unum violations is seen in Exhibit B of this file.

The evidence on MetLife and Unum Provident prove that two separate multibillion dollar insurance companies are involved in similar and identical patterns of violations and bid rigging. Unum had numerous affiliates that were also charged with the same violations.

Obama’s DOL and DOJ will not touch MetLife for committing the exact same crimes (and worse) that Unum was fined for !!!!! 

Quotes from four law Professors prove these crimes are openly committed while Obama does nothing

Professor Joseph Belth from Indiana University wrote :
"They've turned Erisa on its head. It was supposed to protect employees, and it's being used to protect insurers."
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.”
(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)
Carleton Universities Professor Aaron Doyle wrote :
“What those numbers don’t measure is the trauma survivors like Jane Pierce face when wrongfully denied. Most survivors don’t have the stamina and knowledge to file a lawsuit”
"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."
(end of quotes)

We have 51 Judges and four Professors who assertively proclaim the great danger to many Americans but Obama does nothing !!!!

Here’s another type of insurance where dangerous violations are occurring while huge bids are being rigged by MetLife and others to increase sales of these policies.

Long Term Care

Three Federal Appeals Judges wrote that MetLife fabricates pre existing conditions to illegally deny Long Term Care for very sick patients. The Judges’ wrote :
“MetLife supported its decision to rescind only by its cherry-picking symptoms from Conger's medical records, and then reverse-engineering a diagnosis. Metlife ignored Conger's multiple brain MRIs that revealed no problems”
(end of quotes)
** Patients and their families can be destroyed when Long Term Care is illegally denied. They have to wait years to get through the insurance companies appeals process and get all the way to the appeals Court !!

For more of the Appeals Judges quotes later please view : 

http://www.reverseengineereddiagnosis.blogspot.com/
Urgent Note –
While ignoring MRI’s that prove no preexisting brain problems in the Conger case above, Metlife also ignores MRI’s that prove patients do have brain problems as seen below !!
U.S. District Judge Timothy J. Savage wrote that MetLife and their consultant Dr. Gary Greenhood ignored MRI’s that proved patient Jacquelyn Addis did have Multiple Sclerosis and brain lesions !!
Here’s an exact quote Judge Savage wrote about Greenhood :
“He also ignores the MRI reports evidencing MS, November 2, 2000, and December 9, 2003.”
Judge Savage also wrote that MetLife and Dr. Greenhood ignored sphincter incontinence, pain, nerve damage, trembling, stumbles and falls, and shaking in the upper and lower extremities !!
Here’s Dr. Greenhood again !!
U.S. District Judge Robert Cleland wrote that Metlife and the same Dr. Gary Greenhood ignored a foot that Ms. Joanne Vick broke in 5 places after she developed diabetic kytoacedosis following childbirth.
You can see the shocking Judges quotes from these two cases by going to :

They are also part of the cases seen in Exhibit C at the end of this document.
Obama and his DOL and DOJ Directors will not even ask Dr. Greenhood to stop !!


MetLife wrote this in their sales brochure while at the same time they ignored the foot Joanne Vick broke in five places after giving birth :

“Learn how MetLife helped Lolet, a young, successful wife and mother, navigate a complicated pregnancy”

That quote is seen at :

 www.metlife.com/individual/insurance/disability-insurance/index.html#basics

MetLife Conceals Dr. Greenhood’s Reports
Judge Bryant’s quotes confirm MetLife concealed Dr. Greenhood’s reports from me for years while I often had no money for medical treatment !! Then MetLife meticulously filed Greenhood’s reports in Federal Court years after they were written so they could use them to their advantage when the lawsuit was filed.

 For Judge Bryant’s quotes you can view this website later :


I Received Letters From Obama’s DOL Directors in Washington !!

When the Attorney General and DOJ refused to take action I found the following quote on the DOL website :

“Under ERISA, the Secretary of Labor is responsible for protecting the rights and financial security of more that 150 million employee benefit plan participants and beneficiaries and for assuring the integrity and effective management of the private pension and welfare benefit system.”
For three years Obama’s DOL also refused to take action on my evidence and phone calls. Then I posted a video on YouTube with a DOL agent repeatedly saying “We can’t go after MetLife
I called Obama’s Assistant Secretary of Labor Ms. Borzi and told her office manager about the video. The next morning the top DOL Directors’ in Atlanta’s Regional office called me. They had me fax a large amount of evidence and they saw all the Judges quotes.
They did nothing but send me a letter from Washington in December 2010 saying :


“Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law”
That is a deadly lie !! They have done absolutely nothing !!
On January 26, 2011 Department of Labor Director of Participant Response Ms. Sharon Watson sent another letter from Washington saying :

As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”

That was 16 months ago and they have done absolutely nothing !!
The DOL Directors are appointed by Obama and he also has a fiduciary duty to assure they enforce the law !!


I can prove Obama was on a call I received from the DOL Regional Manager on 12/23/10 !!

Obama Refuses To Subpoena Agent Who Was Trained to Ignore

I have a tape recording from 2010 where Ms. Patricia Young (who is one of Obama’s top DOL managers) rudely complained that I had already asked her three times to subpoena the MetLife agent who is the subject of the following quote from U.S. District Judge Robert Sweet :
the appeals specialist assigned to decide Solomon’s appeal stated that she had been trained by MetLife to disregard SSA decisions
The DOL has the power to subpoena and I told Ms. Young I wanted them to ask this agent what else she had been trained to ignore.
Ms. Young also reviewed all the Judges quotes and then rudely said the DOL is not concerned about damages caused to the claimants !!
I Was Forced to Work With Pain That Felt Like Being Jabbed in Both Eyes With a Needle (7 Sentences)

When my melanoma eye cancer started rapidly causing visual problems I also had pains that felt like I was being jabbed in both eyes with a needle. I discussed this with my manager numerous times. My eye cancer is potentially fatal.
I almost passed out twice when my manager sent emails telling me to take breaks when my eyes bothered me and stay focused on the objectives of the project.

With cancer deep inside my eye breaks did not stop the pains caused by working rapidly on the computer all day. I would often put my palms over my eyes hoping that would help. It did not.

I had a potentially fatal cancer but I was told I could not see a doctor without giving seven days notice. I gave notice that I was seeking help regarding the pain and I was fired the last business before the doctors appointment was scheduled.

My termination came four days after my manager requested and received my medical records. I had received a commendable performance evaluation and a raise in salary four months before I was fired.
A friend and former manager sent a letter to the State of Tennessee explaining how I was forced to continue working while having eye cancer and eye pain. ** The seven sentences above are the introduction to the following website website. Later please view :

www.painevidence.blogspot.com

MetLife ignored my LTD eye cancer claim for six years.

They continued ignoring it after reading the following quote I filed with the U.S. Court in Nashville :

"the Plaintiff who has had cancer removed from his eye and leg and over 200 biopsies plus stitches in 100 places has no money for follow up treatment."

I Was Referred to a Psychologist Who Sent Urgent Letters to the DOL Directors

When I almost passed out twice from the stress my doctor referred me to a Psychologist who wrote urgent letters to Obama’s Assistant Secretary of Labor Ms. Borzi and other DOL Directors. Here are a few quotes from the letters :

“It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. In treatment, I have observed that the impact of such actions by Metlife has resulted in exacerbation of Mr. Schmittou’s psychological symptoms and periods of significant destabilization.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. I have conceptualized the severe and cumulative stress as traumatizing. Mr. Schmittou is in a desperate situation”.

(end of quotes)

I am sharing my complete Psychologist’s reports in hopes many more lives will not be destroyed like mine has been. Later please come back and view :


Obama and his DOL and DOJ Directors did nothing after seeing those quotes and all the Judges quotes from other cases !!

Urgent Note

Two MetLife agents and three more doctors from corporations known as Network Medical Review and MES (who are paid by MetLife) read my psychologist’s reports. Then they all ignored the exact same medical evidence in separate reports they wrote in 2010 and 2011.

(Federal law requires their reports to be completely separate)

Later please see the detailed criminal evidence posted at :


The record proves I repeatedly told Metlife and NMR and MES’s doctors about their errors but they refused to correct them !!

Please remember Judge Nancy Gertner wrote this about MetLife in another case :

“The denials continued to press factual inaccuracies even after being informed of the errors.”

MetLife has continued to defy Court orders in my claim.
I can prove insurance companies are also defying Court orders when injured workers in America and injured contractors who support our troops in war zones need treatment or surgery for severe and potentially fatal injuries!!
Destroying Whole Families Example (Seven Sentences)

MetLife has violated every law repeatedly for ten years in my case !!!!
The thing I hate most is this was happening when my father needed me during his four month illness and death, including the time when I tried to comfort him as he struggled for breath during his last hours.

Now my mother has advanced Alzheimer’s and Obama’s protection of MetLife’s crimes continues to distract me from doing the best I can to help my mother while also trying to take care of my own medical problems and avoid additional falls and accidents.

I feel a tremendous responsibility to assure that Obama and his DOL and DOJ Directors stop the crimes committed by multiple insurance companies from destroying many more lives !!

I was having surgery for deep tissue cancer in 2011 when MetLife had two more doctors from Network Medical Review and MES ignore the great majority of medical evidence and refuse to correct inaccuracies even after I pointed them out to them repeatedly. MetLife and Obama’s appointees are very aware I was having surgeries when this occurred !!
Please remember this is just a small portion of the criminal evidence I have on MetLife !!

MetLife’s new disability sales brochure shows they are very aware of the “devastating” problems disabled people have just from their disability alone !!

The title of Metlife’s Brochure is :

“Everything Changed in the Blink of an Eye. Putting a Face on the Emotional and Financial Impact of Disability


Here’s a quote from MetLife,  :

“75% or more of survey respondents said their accident or illness had devastating or major effects on their lifestyles, as well as on their confidence and their emotional well-being. Clearly, there is considerable opportunity for employers to provide more effective information and guidance in order to help employees appreciate and understand the value of disability protection.”

(End of quote)

MetLife uses the devastation caused by the disability alone as a sales tool ! MetLife also rigs bids to increase sales ! While doing this MetLife is aware that the quotes from numerous Judges and doctors’ prove MetLife’s claims procedure violations are endangering many lives !! Obama’s DOL/DOJ will do nothing to stop them !!

The DOL knows that claims delays cause stress to claimants !!

Department of Labor Chief of Policy Miranda Chiu and Loyola Law School wrote this in a brochure :

“Delayed claim decisions add to the stress and anxiety of the claimants”

The stress is life threatening when they completely ignore your claim while you have no money for medical, and food and housing and beg them for help !!


There is extensive medical evidence that excess stress had devastating affects physically.

Google has 17,300,000 search results and here is a brief quote from Womans Day :

Researchers at Ohio State University have found that stress can accelerate the progression of malignant melanoma, a particularly aggressive form of skin cancer. According to TheMedGuru.com, researchers discovered that the stress hormone norepinephrine produces enzymes that stimulate blood vessels to grow in melanoma tumors, speeding up the progression and spread of the tumors.


I’ve had a melanoma cancer burned from my eye and another one removed from my leg, a deep tissue cancer removed from my neck last March, and cancers keep reappearing at an alarming rate. MetLife has buried me in violations, delays and deadlines for ten years while their doctors (who never examine or speak to me) ignore quotes from the surgeons who actually treated me.

The stress from this is overwhelming and is multiplied exponentially because Obama’s DOL/DOJ have done nothing about the crimes that are destroying so many lives when patients file claims on these policies !! I feel a tremendous responsibility to stop this from destroying the lives of many more sick and dying patients !!

Judges quotes prove Metlife denies claims before the ten day deadline they give treating physicians to respond


Here are quotes from U.S. District Judge Nancy Gertner in the case of Whitehouse v. Metlife (complete Judges order is seen in attachment) :
 
“Metlife had a Dr. Goldman, a board certified Psychiatrist, review Whitehouse’s appeal.
"Metlife sent Anderson a copy of Goldman’s report on October 18 and informed him he had ten days to respond.” (Anderson is Ms. Whitehouses treating Psychiatrist)
 "Despite this Metlife sent Whitehouse a letter denying her appeal four days later on October 22nd.
“The denials continued to press factual inaccuracies even after being informed of the errors”
 “It misquoted Whitehouse’s doctors or took out of context statements”
(end of quotes)
In my case MetLife faxed their consultants reports to my doctors on February 9th, 2010. The faxes gave my doctors a deadline of February 6th to respond if they disagreed.

Please notice the deadline was three days before the faxes were even sent.

MetLife did this two weeks after they received medical records of my severe visual problems and bloody falls and accidents. MetLife has done things like this for ten years including during the time that my father was dying and now my mother has advanced Alzheimers !!!!!
Later you can see more frauds within frauds details by going to the following website. Please don’t go there now because the evidence is extensive :

I was an award winning national manager before MetLife destroyed my life

This is 21 Sentences followed by the exhibits including MetLife executive’s contribution/bribery evidence and additional Judges quotes.
Some may want to skip this and go to the Exhibits now

I was an award winning national manager and received seven management promotions in the decade before MetLife destroyed my life.
I won the “Friendly Award” and two more awards when I represented Disney movies in the largest retail outlets in America.  

At a company convention I received an award that was created for me titled “Microscopic Inspector”

We all laughed then my managers explained it was a real award based on my nature of caring enough to analyze, create, and solve problems. Disney also implemented one of my ideas and made nationwide changes to the design of their advertising displays that we assembled in retail stores.

In 2000 Mosaic Sales Solutions promoted me to be National Field Manager on their LEGO Toy Merchandising Project.

I received a commendable performance evaluation and a raise in salary eight months later. My eye cancer problems rapidly began during this exact time. Four months later I was terminated for performance. My termination came four days after my manager requested and received my medical records.

After that MetLife and my former employer have engaged in every dirty trick you can imagine in my case and many more during the last ten years while the DOL and DOJ sit and watch.

If MetLife had provided the early intervention, vocational help, and help applying for Medicare and Social Security like their policy requires my life would not have been destroyed. My belief and love for God and my family and friends are the only reasons I have survived !!

If I have time later I hope to provide detail of all the laws MetLife has violated repeatedly for ten years. MetLife always has deadlines to respond to their lies.

They have had me so distracted and confused I have not had the mental focus to seek proper medical treatment for the last ten years and they know it !! I also feel a tremendous responsibility to stop MetLife and the other insurance companies who are destroying so many patients who file claims in multiple types of insurance !!

If MetLife had followed the law I would not have been a burden to my family and American taxpayers.

There are so many violations in my case it will take awhile to complete a timeline but I hope to post it later at :



Exhibit A
Links Below Prove a MetLife Executive and Attorney Gave Obama Large Contributions Then  Signed Agreements Where No One is Prosecuted for Rigging Huge Bids Even Though MetLife Admitted “Related Fraudulent Conduct” !!

(MetLife continues ignoring medical evidence when patients file claims on these policies and Obama will not even ask them to stop !!)


Metlife Executive Vice President James Lipscomb gave President Obama $30,000 for his victory party.

Please scroll down 1/3 page and look on the left side for the $30,000 contribution :


Non Prosecution Agreement signed by same MetLife VP !!

On Page five of MetLife’s third Non Prosecution agreement you will see the signature of Mr. James Lipscomb. (There are two pages listed as page five on this PDF file, the second page five has the actual signature of Lipscomb)

Please view the DOJ document I found at :


The agreement is actually addressed to Attorney Bruce Yannett of Debevoise & Plimpton LLP law firm.

Yannett also signed MetLife’s Third Non Prosecution agreement as counsel for MetLife.

Here is a link to 19 pages where you can see  hundreds of thousands of dollars that Yannett’s law firm Debevoise & Plimpton gave to Obama in 2008 :


Here is a link to $2,500 Bruce Yannett gave Obama in 2008



A group of MetLife executives and attorneys gave President Obama $78,980 for his 2008 Presidential campaign :


Here’s a group of Metlife employees who gave $953 thousand dollars that went to almost every candidate for Congress and Senate :



A Metlife group also gave Hillary Clinton $57,830 in 2008 :


Plus MetLife spent $41 Million dollars lobbying over the last ten years !!

Link To Lobbying totals :

Here is the link to the document that said MetLife cooperated in uncovering “related fraudulent conduct
The fraudulent conduct quote was removed from the Federal Court agreement where no one was prosecuted :
President Obama received $198 MILLION dollars for the victory fund. He spent $196 MILLION.

Here’s the list of the top 100 contributors including $33,100 from a Goldman Sach’s executive :



Metlife also has a Political Action Committee that makes contributions. Because of my vision and falls/accidents it will be awhile before I research that.

I am certain someone with campaign finance research skills can find many more contributions than I have found in brief searches of the internet


Exhibit B

Unum insurance company is committing the same claims denial crimes at the same time MetLife is, even after Unum and MetLife have received multiple Non Prosecution agreements for illegal kickbacks to promote the sales of these policies !!

On November 18th 2004 Unum Provident Insurance Company was involved in a highly publicized settlement with 48 states regarding their inappropriate claims handling practices.

Here are excerpts from the website of the Attorney General of New York :

“The investigations focused on assertions that UnumProvident had inappropriately denied claims for benefits under individual and group long-term disability insurance policies.”

“The settlement announced today requires UnumProvident and its subsidiaries: (1) to reassess approximately 200,000 claims that previously had been denied; (2) to completely restructure their claim handling procedures to ensure objectivity and fairness; and (3) to pay a $15 million fine.”

(end of quotes)

The quotes written by the U.S. Judges about MetLife and the settlement with Unum Provident prove that two separate multibillion dollar insurance companies are involved in similar violations. Unum had numerous affiliates that were also charged with the same violations.

Obama’s DOL and DOJ will not touch MetLife for committing the exact same crimes (and worse) that Unum was fined for !!!!!

Just like Metlife, Unum is still violating the law even after receiving a non prosecution agreement.

Here are quotes from U.S. District Judge Barbara Crabb who wrote the following in August 2009 about the defendant Unum Insurance : 

“Defendant conducted an extensive review of plaintiff's claim and retained a functional capacity evaluator to undertake an evaluation of plaintiff, but it did not explain why it chose to give greater weight to the opinions of four of its consulting physicians over the results of the evaluation.

What is much less clear is why the reviewer chose to believe four doctors who had never seen plaintiff and disbelieve the independent functional capacity evaluator it had retained and who had observed plaintiff closely as she tested him. It is no more clear why Dr. Sternbergh would ask for a functional capacity evaluation and then conclude from it that plaintiff could tolerate standing all day, when the evaluator had reached a different opinion."

(end of quotes)
I know multiple sources who can provide many cases where Unum continues to violate laws repeatedly !!

Exhibit C

Quotes From More Judges

Please remember the patients may die during the years it takes their case to get to Court and be resolved !!

U.S. District Judge Richard Alan Enslen wrote these quotes in Zanny verses MetLife :

“Metropolitan Life Insurance Company has arrived at a formula for operating a profitable insurance business. It simply does not allow piddling things like facts to intrude upon its employee benefit claims decisions. Witness Zanny v. Kellogg Company and Metropolitan Life Insurance Co.”

“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.”

“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 to foster mental health. 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.”

“This record is an open indictment of MetLife’s practices and treatment of the mentally-ill and long-term disability benefits. In this case, MetLife regularly reviewed the client’s file with an open intention to deny benefits despite the profound and compelling evidence of serious and prolonged mental illness.”

“On May1, 2002, MetLife requested Ann Tacl (a rehabilitation counselor) to provide a written report concerning Plaintiff’s employability. The Tacl report, for the most part, completely ignored medical information supporting disability, psychiatric hospitalization records, or the reports of examining psychologists and previous rehabilitation counselors who concluded that Plaintiff was not employable at any occupation nor able to operate a for-profit business. (Id.)”

“Tacl’s report is dated May 14, 2002. In it, she concludes that there is “no objective evidence that she [Plaintiff] has cognitive deficits . . . .” This conclusion is wildly inaccurate and wholly ignored the opinions of every psychiatrist or psychologist who has physically examined Plaintiff, including the most recent such examinations.”

“And What About those “Independent” Medical Exams and Reviews? Overall, the Tacl report is explainable only as the product of a professional who has been directed to reach a conclusion, has focused on data only in support of such conclusion, and who has scrupulously ignored all contrary data.”

(Quotes from Case 4:05-cv-00074-RAE Document 55 Filed 06/30/2006 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION, Case No. 4:05-CV-74)


Judge William Acker asked Metlife this question about cardiac patient Frank Blankenship :

"Can a heart patient with angina, working under severe stress, be expected to earn up to 60 percent of what he earned before his heart condition, that is, until he drops dead?"

Reimer and Associates website shows the court wrote this quote in the case of Winkler v. MetLife, 2006 U.S. App. LEXIS 5447 (2d Cir. 2006).

“An administrator may, in exercising its discretion, weigh competing evidence, but it may not, as MetLife did here, cherry-pick the evidence it prefers while ignoring significant evidence to the contrary.”

In the case of Palmiotti V. Metlife, 2006 U.S. Dist. Lexis 13598 (S.D.N.Y. 2006) Reimer and Associates quoted the court as writing the following :

“MetLife's decision on Palmiotti's appeal was unsupported by substantial evidence because it was not based on a full and fair review of the initial decision and because material information was either ignored or was not solicited, and the information upon which MetLife did rely was fraught with errors.”

Here are three important quotes from Judge Judge Terrence McVerry in the case of 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”

Judge Terrence McVerry wrote this about another psychiatric cases quotes written by Judges in another Court:

“In Sheehan, the Court concluded that where MetLife's determination of the claimant's psychiatric condition was limited to obtaining a paper-review opinion from Dr. Givens, it was procedurally flawed. 368 F.Supp.2d at 255.”
The next quotes concern Dr. Tracey Schmidt who is paid by Metlife. Dr. Schmidt is certified by the American Board of Internal Medicine that certified Dr. Greenhood who is mentioned in multiple cases in this Brief.

Here are quotes written by the Honorable Judges in the UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT :

“Dr. Schmidt's analysis was unsatisfactory in other aspects as well. Contrary to her assertion that the file lacked mention of "any restricted ROM of joints other than the right foot abnormality," a February 2002 exam revealed that Audino's "wrists [were] swollen bilaterally with pain on range of motion of the left wrist" and her "left ankle was swollen with pain [on] range of motion." Although she noted in summarizing the evidence that Audino's physician had observed severe arthritis around the trapezius in August 2002, Dr. Schmidt failed to evaluate that finding in her analysis of whether Audino's impairments constituted disability under the plan.”

“Regarding Audino's rheumatoid arthritis and optic neuritis, Schmidt concluded that Audino's file lacked "objective evidence of a physical functional capacity impairment to a full time sedentary job."

GLORIA AUDINO versus RAYTHEON COMPANY SHORT TERM AND LONG TERM DISABILITY PLAN; METROPOLITAN LIFE INSURANCE COMPANY; No. 04-10729

You’re about to see quotes written by Honorable Judge Malachy Mannion in the case of JAMES KNOBLAUCH v. METROPOLITAN LIFE.

Judge Mannion wrote the first quotes regarding the questionable relationship Metlife has with the company Metlife pays to evaluate the claimant’s ability to work. Judge Mannion also details how there are far more limitations on the patients than Metlife is reporting. Here are his exact quotes :

“The court has noted, however, that there are several documents in the file which appear to contradict the defendants’ assertion that there was no questionable relationship between Isernhagen and Metlife or Synchrony. For example, there is a document titled “Isernhagen Work Systems Functional Capacity Report” which is on Metlife letterhead.”

“There is another document titled “Isernhagen Quality Providers/MetDisAbility (sic) Referral Form” which gives specific directions to the FCE provider as to how Metlife FCEs are to be handled procedurally. This form requires the reviewer to“[C]ontact MetDisability with a verbal report 1 day after the FCE is completed.”

“There is a Metlife/Synchrony log entry dated April 5, 2002, which states:

...telephone call on voice mail from Cindy from Isernhagen
at 2:52 pm. FCE done 4/3 and 4/4...ee (sic) did pretty well. He
was compliant, cooperative, no self limiting. Unstable BP first
day, said she had to call MD his pressure was so high. On the
second day his heart rate was unstable and he was having
abdominal pain, so limitations were more medical [than] strength factors...” (Doc. No. 20, p. 42)(emphasis added).”

“This more contemporaneous statement of the FCE results is telling in that it suggests far more limitations on the part of the plaintiff than later statements made by Metlife/Syncrony to the plaintiff in support of its decision to terminate benefits.”

“Also disturbing is the fact that Ms. Oxendine testified that she had not been provided with a copy of the plaintiff’s job description prior to performing the FCE. Ms. Oxendine stated, “...I did not have available to me at the time of his FCE a job description...[It] was not available at the time I performed the FCE.”

“Ms. Oxendine’s testimony also undermines the post-termination, post- appeal records review performed on July 9, 2002, by Joseph M. Nesta, M.D. For example, Dr. Nesta assumed that the plaintiff’s job description was before Ms. Oxendine at the time the FCE was performed.”

“After the plaintiff appealed the determination, the
defendants had a physician consultant, Joseph M. Nesta, M.D., review the record. No independent medical examination was performed.”

“When Dr. Nesta did his records review, he stated, “...[B]y July 20, 2001 this individual was cleared by his surgeon to return to work.” He either did not know, or failed to include, the fact that the plaintiff’s surgeon, Dr. Scagliotti, released the patient “to return to light physical activity...as tolerated,” and that the plaintiff was “instructed to progress as tolerated.”. No interpretation of Dr. Scagliotti’s records could suggest that he was released to return to unrestricted full time work.”

“Dr. Nesta further stated in his report, “This individual also has had a chronic pancreatic insufficiency. This is treated with pancreatic replacement therapy.” As can be seen from Dr. Brislin’s above referenced report, the plaintiff’s ongoing pancreatic insufficiency was stated to be very difficult to control despite high doses of pancreatic supplements, and enzyme supplements.”

“There was never any discussion concerning the plaintiff’s other medical complications including the inability to control the pancreatic insufficiency with medications, or fatigue. Fatigue is documented profusely in the FCE, but never mentioned by the defendants. There is no acknowledgment that neither of the plaintiff’s treating physicians ever released him to full time work. In fact, the only treating, or examining physician who released him without restrictions was the orthopedic physician, whose actual name was never mentioned, and who clearly was referring only to the plaintiff’s shoulder capsulitis problem.”
MIDDLE DISTRICT OF PENNSYLVANIA CIVIL ACTION NO. 3:02-1801

The following quotes were written by the Honorable Judges from the 6th Circuit in the case of Wanda Glenn verses Metlife, (Case Number 05-3918)

“This inappropriately selective consideration of Glenn’s medical record was compounded by the fact that the occupational skills analyst and the independent medical consultant were apparently not provided with full information from Dr. Patel on which to base their conclusions.”

Here are quotes written by the Honorable Judges in the 6th Circuit in the case of Janice Spangler, v. Lockheed Martin Energy Systems, Inc.; Metropolitan Life Insurance Co., No. 01-5770, File Name: 02a0424p.06.

“Why Met Life did not also send Dr. Rice's report or the rest of Spangler's file to Crawford for review by the vocational consultant is inexplicable. Indeed, we can only conclude that Met Life, as Spangler contends, "cherry-picked" her file in hopes of obtaining a favorable report from the vocational consultant as to Spangler's ability to work.”

“Met Life's action in sending only Dr. MacKay's September 14, 1999, report to Crawford was arbitrary and capricious. Met Life should have provided Crawford with all of the medical records relevant to Spangler's capacity to work. As a result, the report by Crawford's vocational consultant was an incomplete and inaccurate representation of Spangler's ability to work.”



In the case of Wright verses Metlife U.S. Magistrate Judge Jennifer Guerm wrote these quotes :

"MetLife relied on clearly erroneous findings of fact in making its benefit determination. MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways. On October 18, 2004, Dr. Barnett wrote a letter to MetLife stating:

"I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition. Indeed, Mr. Wright has ongoing cardiac disease including ischemia and loss of function due to previous myocardial infarctions."



** Please remember I found all of these case quotes searching Google, and less than one percent of cases are posted on the internet !!!!



U.S. District Judge Nancy Gertner won the Thurgood Marshall Award of the American Bar Association in 2008. 

Here’s three important quotes Judge Gertner wrote about Metlife: 

“It misquoted Whitehouse’s doctors and cherry-picked or took out of context statements made. The denials continued to press factual inaccuracies even after being informed of the errors.”

“Perhaps most egregious of all, it misquotes Dr. Bhan as stating that Whitehouse “[was] able to function” AR 116 when, in fact, he said “she was not able to function.” 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.”

In the case of Joanne Vick verses MetLife, Honorable U.S. District Judge Robert Cleland wrote that Metlife and their paid consultant Dr. Greenhood ignored a foot that Ms. Vick broke in 5 Places after she developed diabetic kytoacedosis following childbirth.

Here are two exact quotes Judge Cleland wrote in this case :

“Noticeably missing from Dr. Greenhood's report is any mention of Dr. Al-Kassab's November, 2001 office notes, Dr. Churchill's November 13, 2001 office notes, and Dr. Churchill's March 14, 2002 office notes. This is particularly significant in that Dr. Greenhood's August 2, 2004 report specifically noted that "[t]here is no indication of seizures or falls." Dr. Churchill's March 14, 2002 report, however, indicates that as a result of her right sided weakness, Plaintiff broke her left foot in January 2002--in five places, no less.”

“Moreover, both Dr. Greenhood’s and Dr. Gosline's reports contained numerous errors and inherent inconsistencies, which should have been noted by the plan administrator and resulted in less weight being given to them.

(E.D. Michigan, Southern Division. No. 03-CV-73124-DT


Here’s Dr. Greenhood again !!

The following quotes were written by Honorable U.S. District Judge Honorable Timothy J. Savage in the case of JACQUELINE ADDIS v. THE LIMITED LONG-TERM DISABILITY PROGRAM :

“MetLife relied almost exclusively upon the report of Dr. Gary Greenhood, an internist specializing in infectious diseases hired by MetLife, who did not examine Addis and did only a records review. Dr. Greenhood selectively viewed Addis’s medical records, and MetLife then selectively adopted parts of Dr. Greenhood’s report to support denial of the claim.”

“Although the denial letter listed reports of several physicians, it relied exclusively on Dr. Greenhood, the internist it had retained, and gave little consideration to Addis’s treating neurologist, Dr. Tatarian. There is no discussion of the reports or findings of any of the other physicians who are listed.”

“Dr. Greenhood selectively extracted portions of Dr. Tatarian’s treatment notes to support his conclusions, which are contrary to those of Dr. Tatarian. At the same time, he ignores parts that bolster Addis’s complaints and support her doctor’s diagnosis and prognosis.”

“In his report, Dr. Greenhood states that Addis’s physical examinations were “either unremarkable or demonstrated increased tone in the lower extremities.” Implying that these were normal findings, he ignored Dr. Tatarian’s observation that the increased tone in the lower extremities was a spinal cord abnormality.”

“Dr. Greenhood states that there were no objectively abnormal findings in the materials he reviewed, creating the impression that the absence of such findings rules out a disabling condition. He also ignores the MRI reports evidencing MS, November 2, 2000, and December 9, 2003. To the contrary, Dr. Tatarian documents a variety of spinal problems; and, MRIs consistently showed the presence of lesions and plaque on the brain. Dr. Greenhood ignores Dr. Tatarian’s report of a positive Babinski sign, which is indicative of nerve damage consistent with Addis’s complaints of stumbling and falling.”

“Both MetLife and Dr. Greenhood ignored the Multiple Sclerosis Medical Source Statement of Functional Abilities and Limitations completed by Dr. Ana Lavdas, one of Addis’s treating doctors. Dr. Lavdas reported that her patient’s prognosis was poor and she had significant functional limitations. Among the symptoms were pain in the lower extremities, fatigue, weakness and shaking in lower and upper extremities, poor coordination, bladder and bowel problems, blurred vision, and other physical problems. She noted that Addis had “significant and persistent disorganization of motor function in two extremities resulting in sustained disturbance of gross and dexterous movement or gait and station.” Dr. Lavdas concluded that her patient was “unable to work,” and could not sustain a job.”

“Significantly, there is no discussion of the records of Doctors Lavdas, McDonald, Gray, Files and McCarel, which he lists as having been submitted to him. Dr. Greenhood simply ignores them.”

“MetLife assigned reconsideration of Addis’s claim to Tammi Phillips, who was not a physician and whose qualifications are unknown.” “Her assessment ignores Dr. Tatarian’s unequivocal diagnosis that Addis was suffering from “relapsing, remitting MS with possible repeat exacerbation.”

“Disturbing, in light of the clear evidence to the contrary, is Phillips’s conclusion that Dr. Tatarian did not provide “any specific restrictions and limitations” that would prevent Addis from performing her own job. On the contrary, Dr. Tatarian specifically recommended that due to her unpredictable weakness, fatigue, sphincter incontinence, visual difficulties, and cognitive problems, Addis could no longer work.”

Civil Action No. 05-357 in The United States District Court For The Eastern District Of Pennsylvania on March 30, 2006

I can provide quotes from many more cases regarding MetLife and other insurance companies.

If a criminal investigation occurs they will easily access much more evidence than I have !! 

I found the 51 cases by advance searching google after having cancer burned from one eye and orbital surgery on the other eye. Less than one percent of cases are posted on the internet !! I continue to have bloody falls and accidents including almost knocking myself out multiple times by walking into sharp edged door frames and cabinets etc. These problems are often increased by reading and typing.

The evidence you’ve just seen is part of many more patterns of life threatening crimes that are posted at :
Sincerely,
Barry Schmittou
barryschmittou@live.com