Documents published by the California Senate on this site
From firstname.lastname@example.org Thu Jun 15 16:11:30 2000
Date: Thu, 15 Jun 2000 06:20:18 -0400
From: The Insurer Crime Outline <email@example.com>
Subject: The Insurer Crime Outline
We Urge You to Forward This Newsletter to Anyone Who Might Benefit
The Insurer Crime Outline
eXposing America's Bandit Industry
Please visit our site at http://www.insurancejustice.com
"Defiance to Tyrants is Obedience to God."
SCIENCE AND GOD
"The day a friend and colleague turned sixty, I was fortunate to
share with him the wait for a bus ride home. 'Until I turned sixty,'
he said, 'I never realized how little time I had left.' In the years
that followed, I watched his frantic race trying to discover why
he'd been doing what he'd been doing for the past sixty years.
Not why he and I had spent decades using high-tech physics to fine-tune
low-tech farming. In several regions of the developing world we
had been able to double farm yields with little or no addional capital
investment. the reason for our efforts was obvious: starvation is
not pretty anywhere.
His question was much more basic. Why bother being 'good'? Is there
a transcendent aspect of life that warrants our being good, that
might give a meaning to our lives that is fundamentally different
from that of other animals?
For someone who waits until age sixty to ask the meaning of life,
what the ultimate in life can be, the awakening can be frightening."
CYBERCOMMENTS: Being of a scientific bent, I am usually dubious of
books that purport to reconcile the spiritual with modern physics
and such. Usually they are written by people who don't quite know
what they are talking about in either discipline. The quote above
is from one such book that works -- "The Science of God; The convergence
of scientific and biblical wisdom" by Gerald L. Schroeder, a distinguished
physicist and biblical scholar -- ISBN 0-7679-0303-X
Speaking of the spiritual, the new single by Sinead O'Connor "I Have
a Healing Room Inside Me" from her album "Faith and Courage" is very
inspirational, IMHO. Get it.
In case you're wondering what this all this has to do with insurance,
you don't think a few broken-down webhacks would have a chance against
mighty Allstate, who is richer than God and owns every politician
worth owning, unless they had some help. Now I'm not saying Who
is behind us, but I tend to think Allstate is doomed. They are part
of the corruption and evil of the past that is rapidly being swept
away by a Change that is sent from on high.
You know, it astounds me that insurance CEOs, most of whom have enough
to live on for life, with the huge stock options they vote themselves,
Persist in a life of greed and theft, often well past sixty. They
don't have that much longer to go before they are dead. What can
they be thinking? What reason can there be to pile up your tenth
million based on the pain and suffering of countless victims of fraud
and wrongdoing? Maybe they think they Can take it with them.
I can understand pushing morality a bit when you have nothing, or
not enough, but when you have more than you could possibly ever need,
why do the wrong thing? This is a time when you should be giving
back for the good fortune you were granted -- not raping more.
WHY ALLSTATE EMPLOYEES KILL THEMSELVES
This is what an agent has to go through to get a small change on
If you do this type of endorsement properly, it should only take
12 weeks to process. First of all, I have discovered that the first
layer of customer service that you reach at the centers cannot do
anything but tell you they cannot process whatever it is you have
requested. The key is to get through that first layer and reach the
next level. At the second level they are instructed to tell you to
call underwriting to get it done. After you call underwriting and
are told that customer service is suppose to do that request, you
are elgible to reach the third level of customer service. They are
only available after the process has gone undone for six weeks.
You are in the driver's seat now as once you reach the 3rd level
because your endorsement is within 6 weeks of being completed. (Customer
contact, if they are still a customer, is required at this point.)
Once you have told the customer their request is only 6 weeks from
completion, you now can reach the holy grail of C/S reps-Level 4.
At this level, you are told that they can only process this request
if it was not previously completed because of a company error. If
you cannot prove it was a company error, you will be told to contact
underwriting(see level 2.) If you can prove it was a company error,
you are told it is an Alstar problem or if they cannot get you to
believe that one,your request is given to the person you originally
talked to(level 1) and is processed within 6 weeks( 12 weeks total.)
I have told my AM about this and when investigated, the AM was told
to contact underwriting and underwriting told the AM to contact C/S
as it was their problem since the U/W were moving to Hudson, OH and
could not be bothered with C/S problems. The AM called me today which
indicates that level three has been reached. I figure I am only 6
weeks away from an answer as to why the C/S centers are so messed
up. I will keep you posted.
THERE IS GOING TO BE A LEETLE MORE TROUBLE
For Allstate in CA, in which I have had an indirect hand. I am but
a flea to mighty Allstate, but I'm happy. As long as they scratch
right when they're near that cliff.
OUR FRIEND BILL HAMMEL
Also did some conversions on the Market Conduct Exams released by
the CA state senate. Here they are:
OWNING THE LAW
This week's unanimous U.S. Supreme Court ruling, that an HMO cannot
be held accountable in federal court when its financial incentives
to doctors for limiting treatment injure a patient, is only the latest
blow in the ongoing assault on the rights and options of consumers
to challenge repugnant, bedrock corporate practices.
Justice David H. Souter wrote for the court that the HMO industry
would collapse without such financial incentives and "The federal
judiciary would be acting contrary to the congressional policy ...
if it were to entertain (a claim) portending wholesale attacks on
existing HMOs solely because of their structure." In other words
if HMOs or any other corporation occupies morally questionable ground
for long enough the companies can have possession of it.
Such fallacious reasoning, gaining popularity elsewhere, is leading
to the evisceration of the rights of individuals to challenge unethical,
systemic corporate practices well beyond the HMO arena. This Thursday,
for instance, the United States Senate Judiciary Committee will vote
to limit the ability of injured consumers to band together to hold
any corporation accountable through class action lawsuits. California
Senator Feinstein holds a key swing vote on bi-partisan, corporate-backed
legislation that would preclude most state court class action cases.
Under S 353, tobacco companies, gun manufacturers, polluters, HMOs
and other large corporations could remove cases valued at $75,000
or more to federal court where pleading standards are higher, judges
are not likely to extend state laws and the high vacancy rate has
already created a staggering judicial backlog and delays. As of April
1, there were 76 judicial vacancies and 20 judicial emergencies,
with only 34 judicial nominees confirmed in 1999. In opposing S
353, the U.S. Justice Department notes the bill "would transfer nearly
every class action from State to Federal Court," "expand the already
overloaded Federal docket," and "state residents would effectively
be denied access to their own State courts."
Complex and fact intensive class actions have been handled far more
effectively in state courts because of the resources available there.
The tactics of the corporate backers of the bill are to close an
entire venue to injured consumers, thereby crippling the judicial
capacity to hear systemic complaints against corporations and overwhelming
the infrastructure available to try the complaints. Toward this end,
S.353 also imposes waiting periods and other hurdles to bringing
class actions that the Justice Department characterizes as "burdensome
and expensive duties.calculated more to deter meritorious class actions
than to yield fairer class settlements."
This legislative assault on individuals' rights is of particular
import for HMO patients. The U.S. Supreme Court ruling this week
closed down federal court as an avenue to invalidate systemic HMO
cost-cutting practices. The only hope for injured patients seeking
to challenge systemic HMO abuses are state courts, where several
class action cases are pending against HMOs for unfair business practices.
S.353 would pluck these cases out of state court and subject them
to far more onerous federal hurdles and delays, dealing potentially
Class actions are a particularly vital resource for California HMO
patients because HMOs have already usurped the rights of patients
individually to go to any court against the company, forcing individual
cases into binding arbitration, a private judiciary where deliberations
are secret and abuses frequent. California judges have ruled, however,
that when patients come together as a class, particularly one that
includes members of the general public and not just HMO members,
binding arbitration does not have to apply. If Senator Feinstein
votes to restrict the right of individuals to band together in state
class action lawsuits, HMO patients will be among the most significantly
damaged segments of a general public that will have lost a great
deal of its ability to collectively hold renegade corporations accountable.
Consumer advocate Jamie Court is co-author of "Making a Killing:
HMOs and the Threat to Your Health" (Common Courage Press, 1999).
To respond, email firstname.lastname@example.org
THE DEATH OF NPR
On NPR's Morning Edition last week, Nina Tottenberg said that if
the Supreme Court supports Congress, it is in effect the end of National
Public Radio (NPR), the NEA & the Public Broadcasting System (PBS).
NPR and the arts are facing major cutbacks in funding. In spite of
the efforts of each station to reduce spending costs and streamline
their services, some government officials believe that the funding
currently going to these programs is too large a portion of funding
for something which is seen as not worthwhile.
CYBERCOMMENTS: Although I am a tech myself, we live in an world where
most techs can't read well, can't write well, and worst of all, can't
sift a false argument. Which is why they keep electing crooks and
fools who serve Big Insurance or other wrong. Sources like NPR help
keep Some culture and intelligence alive. They also tend to Expose
bad arguments and crooked politicians, which is the real reason,
IMHO, that the govt is trying to kill them off. The govt gives billions
to corporate welfare.
I will be sending a separate petition for you to sign if you want
to support NPR against the legions of "stupidifying" political goons
who want to keep us dumb, docile, and in the dark.
AND TO KEEP POINTING OUT
How corrupt our financial leaders are, here is the tale of the historic
fraud bust in Wall Street:
My only caveat is that federal investigators are supposed to be trying
to stop the infiltration of organized crime onto Wall St. Sorry
fellas, if you look at what Allstate and other large stock companies
are doing, organized crime is Already There.
AND SPEAKING OF CORRUPTION
Here is a rather scary report of the govt's biowar against its own
=== Chemical and Biological Weapons at Home ===
The Army has acknowledged that between 1949 and 1969, 239 populated
areas from coast to coast were blanketed with various organisms during
tests designed to measure patterns of dissemination in the air, weather
effects, dosages, optimum placement of the source and other factors.
Testing over such areas was supposedly suspended after 1969, but
there is no way to be certain of this. In any event, open air spraying
continued at Dugway Proving Ground in Utah.
Following is a small sample of the tests carried out in the 1949-69
Watertown, N.Y. area and Virgin Islands 1950: The Army used aircraft
and homing pigeons to drop turkey feathers dusted with cereal rust
spores to contaminate oat crops, to prove that a "cereal rust epidemic"
could be spread as a biological warfare weapon.
San Francisco Bay Area
September 20-27, 1950: Six experimental biological warfare attacks
by the US Army from a ship, using Bacillus globigii and Serratia
marcescens, at one point forming a cloud about two miles long as
the ship traveled slowly along the shoreline of the bay. One of the
stated objectives of the exercise was to study "the offensive possibilities
of attacking a seaport city with a BW [biological warfare] aerosol"
from offshore. (emphasis added). Beginning on September 29, patients
at Stanford University's hospital in San Francisco were found to
be infected by Serratia marcescens. This type of infection had never
before been reported at the hospital. Eleven patients became infected,
and one died. According to a report submitted to a Senate committee
by a professor of microbiology at the State University of New York
at Stony Brook: "an increase in the number of Serratia marcescens
can cause disease in a healthy person and...serious disease in sick
Between 1954 and 1967, other tests were carried out in the Bay Area,
including some with a base of operations at Fort Cronkhite in Marin
1953: 61 releases of zinc cadmium sulfide in four sections of the
city, involving massive exposure of people at home and children in
school. The substance was later described by the EPA as "potentially
hazardous because of its cadmium content", and a former Army scientist,
writing in the professional journal Atmosphere Environment, in 1972,
said that cadmium compounds, including zinc cadmium sulfide, are
"highly toxic and the use of them in open atmospheric experiments
presents a human health hazard". He stated that the symptoms produced
by exposure to zinc cadmium sulfide include lung damage, acute kidney
inflammation and fatty degeneration of the liver.
1953: 35 releases of zinc cadmium sulfide over residential, commercial
and downtown areas, including the Medical Arts Building, which presumably
contained a number of sick people whose illnesses could be aggravated
by inhaling toxic particles.
Washington, DC area
1953: Aerial spraying from a height of 75 feet of zinc cadmium sulfate
combined with lycopodium spores. The areas sprayed included the Monocacy
River Valley in Maryland and Leesburg, Virginia, 30 miles from the
capital. In 1969, the Army conducted 115 open-air tests of zinc cadmium
sulfate near Cambridge, Maryland.
Earlier in the 1960s, the Army covertly disseminated a large number
of bacteria in Washington's National Airport to evaluate how easy
it would be for an enemy agent to scatter smallpox through the entire
country by infecting air travelers. The bacterium used, Bacillus
subtilis, is potentially harmful to the infirm and the elderly, whose
immune system is impaired, and to those with cancer, heart disease
or a host of other ailments, according to a professor of microbiology
at the Georgetown University Medical Center. A similar experiment
was carried out at the Washington Greyhound bus terminal. Sometime
during Richard Nixon's time in office (apparently 1969), the Army
"assassinated" him with germs via the White House air conditioning
And at a building used by the Food and Drug Administration, the Army
surreptitiously placed a (supposedly harmless) colored dye into the
water system. Whether anyone suffered harm from drinking a certain
quantity of that water is not known. Florida
1955: The CIA conducted at least one open-air test with whooping-cough
bacteria around the Tampa Bay area. The number of whooping cough
cases recorded in Florida jumped from 339 and one death in 1954 to
1080 and 12 deaths in 1955. The Tampa Bay area was one of three places
that showed a sharp increase in 1955.
Savannah, Georgia and Avon Park, Florida
1956-58: The Army, wishing to test "the practicality of employing
Aedes aegypti mosquitos to carry a BW agent", released over wide
areas hundreds of thousands, if not millions, of this mosquito, which
can be a carrier of yellow fever and dengue fever, both highly dangerous
diseases. The Army stated that the mosquitos were uninfected, but
prominent scientists said that, for several reasons, the experiment
was not without risk, and was a "terrible idea". The actual effects
upon the targeted population will probably never be known.
New York City
Feb. 11-15, 1956: A CIA-Army team sprayed New York streets and the
Holland and Lincoln tunnels, using trick suitcases and a car with
a dual muffler.
June 6-10, 1966: The army report of this test was called "A Study
of the Vulnerability of Subway Passengers in New York City to Covert
Attack with Biological Agents". Trillions of Bacillus subtilis variant
niger were released into the subway system during rush hours. One
method was to use light bulbs filled with the bacteria; these were
unobtrusively shattered at sidewalk level on subway ventilating grills
or tossed onto the roadbeds inside the stations. Aerosol clouds were
momentarily visible after a release of bacteria from the light bulbs.
The report noted that "When the cloud engulfed people, they brushed
their clothing, looked up at the grating apron and walked on."
The wind of passing trains spread the bacteria along the tracks;
in the time it took for two trains to pass, the bacteria were spread
from 15th Street to 58th Street. It will never be known how many
people later became ill from being unsuspecting guinea pigs, for
the United States Army exhibited not the slightest interest in this
1960s: The Chicago subway system was the scene of a similar Army
November 1964 to January 1965: The Army conducted aerosol tests over
stockyards in Texas, Missouri, Minnesota, South Dakota, Iowa and
Nebraska, using "anti-animal non-biological simulants". It's not
clear why stockyards were chosen, or what effect this might have
had upon the meat consumed by the public.
--From "Rogue State," by William Blum http://www.commoncouragepress.com/blum_rogue.html
Common Courage Political Literacy Course - http://www.commoncouragepress.com
C O M M O N C O U R A G E P R E S S' Political Literacy Email Course
A backbone of facts to stand up to spineless power.
Wednesday June 14, 2000
CYBERCOMMENTS: And here I thought the army was supposed to protect
us. Even the Nazis didn't experiment on their own citizens, saving
that for those they perceived as the enemy.
A FEW INTERESTING HEADLINES FROM INSURE.COM
If you go there you can subscribe to their newsletter:
Allstate to reimburse Oklahoma homeowners as part of settlement
A lawsuit filed last year charged that the insurer deleted certain
coverages in 1991, but the company says it did no wrong in failing
to alert policyholders.
Consumer group takes Maine insurance chief to court over Blue Cross
This is a sore point with me. For decades taxpayers will support
nonprofits like a Blue Cross, with tax breaks and assistance, then
they'll sell out, making millions for execs, while the taxpayers
usually get nothing. Of course, the for-profit plans charge more
and treat people worse. Sometimes, the nonprofs have to contribute
to some "foundation or charity" to pay back the taxpayers, but in
CA when this was done, the "charity" turned out to be a giant PR
operation that backed the insurance industry and bought politicians
with taxpayer money, raping the citizens twice.
Humana to repay government $14.5 million for double-dipping Medicare
fees http://www.insure.com/health/medicare/humanasettle600.html For
eight years, Humana allegedly double-billed the government by classifying
thousands of its patients as both Medicare- and Medicaid-eligible.
Here is another Really irksome thing. If you were to double-bill
your insurer on a claim, you would be guilty of fraud, face a large
fine, and probably go to jail. No one at Humana is going to jail.
Four auto insurers slapped with fines in Colorado http://www.insure.com/states/co/fines600.html
These insurance companies failed to warn policyholders about how
to save money, and now they must pay.
THE MONSTER RISES AGAIN
Farmers Insurance Group of Companies Selects CSC's Claims Management
AUSTIN, Texas, May 25, 2000 /PRNewswire via COMTEX/ -- Computer Sciences
Corporation (NYSE: CSC) today announced that The Farmers Insurance
Group of Companies, the nation's third largest home and auto insurance
provider, has licensed CSC's claims management software for a multi-year
The software, known as COLOSSUS(TM), is the most comprehensive knowledge-
based claims system used today by the property and casualty insurance
industry to assimilate and examine facts relevant to bodily injury
claims. Through interactive consultations, COLOSSUS accesses more
than 10,000 rules to help evaluate more than 600 trauma-induced injuries,
providing expert guidance for both novice and seasoned claims professionals.
"We are pleased to add Farmers to our growing list of companies using
this powerful software tool," said Ken Williams, president, Americas
Division of CSC's Financial Services Group.
About Farmers Insurance Group of Companies
Farmers Insurance Group of Companies includes the nation's third-largest
home and auto insurers. Headquartered in Los Angeles and doing business
in 41 states, Farmers provides home, auto, business and life insurance
to more than 8 million households through 15,000 agents and district
managers. For more information about Farmers Insurance, please visit
CSC's Financial Services Group offers a comprehensive array of business
and technology solutions which support the complex requirements of
the evolving global financial services industry. Customers include
more than 1,000 banks, insurers, investment firms, consumer finance
companies and other major financial services organizations around
Computer Sciences Corporation helps clients in industry and government
use information technology (IT) to achieve strategic and operational
objectives. With 58,000 employees in more than 700 offices worldwide,
the company tailors solutions from a broad suite of integrated service
offerings, including e-business strategies and technologies; management
and IT consulting; systems development and integration; application
software; and IT and business process outsourcing.
Since its formation in 1959, CSC has been known for its flexibility
in its relationships with clients. Through numerous agreements with
hardware and software technology firms, the company is able to identify
and manage solutions specifically tailored to each client's needs.
CSC had revenues of $9.4 billion for the twelve months ended March
31, 2000. Its headquarters are in El Segundo, California. For more
information, visit the company's web site at www.csc.com.
CYBERCOMMENTS: COLOSSUS is the malign computer program used by Allstate
to cheat clients by profiling and then lowballing their bodily injury
claims. Now Farmers is getting into the act. No surprise. Farmers
is as corrupt as hell, too. There is a lot more to COLOSSUS than
this company admits in their publicity blurb, especially in parameters
that can be set by the insurer's staff, resulting in claim offers
that are Half what the fair settlement would be in the case of Allstate.
If the insurance industry paid them almost ten billion, you can bet
they used the software to cheat ten times that much from claimants.
In addition, Twenty First Century insurance will use Colossus. Oddly
enough, both Allstate and Twenty First Century are embroiled in the
Quackenbush bribery scandal in CA, so it is no surprise they are
choosing the same "type" of software.
And we previously posted a story showing how Farmers lies, cheats,
and destroys lives.
In addition, The Hartford is also taking up this cudgel to beat injured
claimants with. I guess when they found how much Allstate made on
cheating claimants, they all wanted into the act. Maybe I shouldn't
have been mentioning it so much -- all those companies have visited
the site.. Maybe showing a bunch of crooks the best new tools to
steal with is not a good idea.
Also, Great American Insurance Company, a subsidiary of American
Financial Group, Inc. will use COLOSSUS.
Looks like Everyone is getting into the act. If you are ever injured
in an auto accident, kiss your life goodbye -- all the insurers will
have a piece of software designed to turn your life into living hell.
Napster lets music fans share MP3 recordings over the net. Oddly
enough, the artists who are complaining about it are the old or creepy
ones like Metallica and Dr. Dre. A lot of the younger ones feel
it will actually help artists, especially lesser known ones who are
not hyped by giant recording corporations. One artist pointed out
that most music groups only get about ten percent of what the recording
corporation skims, and there are only a few superstars who make a
big living -- getting more than they should largely due to promotion
and hype -- while artists making music just as good are barely getting
So, many artists feel it would be better for them to build up an
online fan community by getting popular on the net, and finding some
way to make arrangements to be "paid" directly for new work or even
for live performances when the bandwidth improves.
The recording industry is going nuts and suing everyone in sight
of course, but maybe the Net will create the new economic paradigm,
since the old one is so totally unfair and corrupt. As an online
consumerist who exposes the incredible corruption of the insurance
industry, I know whereof I speak.
Online communities will eventually share their expertise, from songwriting
to programming, bypassing the theiving skim of the giant corporations
along with their deadsouled managers and uninvolved stockholders
entirely. And that doesn't mean things will be worse. Look at Linux.
Windows is bloated and crashes constantly. Linux, which was developed
for free by passionate users, is Better. Much better. It just doesn't
have the economic hype and support of a big corporation, so it still
needs more user software. But it will get there, and so will free
The old ways are dead -- let them go the way of the sixties generation,
which turned all greedy in the eighties and now Thinks they run the
We can only hope the corporate lawyers don't stop it dead in its
tracks. I don't think they can. The longer I study the insurance
industry the more I realize the current paradigm is Not working.
Massive economic gains in the stock market seem to be paired with
declining quality of life and real wages. Netonomics is all a part
of the evolution of the race and the death of the old economic model;
it is impossible to stop. It was laid out a long time ago by Someone
a bit bigger than a corporate lawyer.
The kid who invented Napster has no social life and it won't let
him go. He spends all his time developing it. And avoiding recording
industry lawyers. Remember, last newsletter I mentioned some of us
just get "elected" to be part of something that Providence has planned.
Frankly, the only industry that robs its performers more than the
recording industry are boxing promoters. So you know what side I'm
This doesn't mean we should discard corporate Organization, which,
in many cases, is beneficial. Art can be created without much organization,
but not a computer. It's just that the current stock-owning system,
especially executive options, is reaching a point of diminishing
returns. Many corporations are literally killing themselves in chasing
monthly stock market highs -- while neglecting long-term goals in
favor of enriching option-owning executives with short boosts that
they can sell off.
And go, Senator Escutia, for releasing the "secret" insurance company
market conduct exams to the CA public.
Keeping things a deep, dark secret like the insurers want, is also
going to be a thing of the past in the net-age. Political and corporate
crooks will have nowhere to run and nowhere to hide from the light
of truth and the glare of the Net.
SINCE THIS TAKES ALL OF MY TIME
which I could be using to further my career, along with most of my
spare money, I am making the usual plea for contributions so I can
expand this work instead of curtailing it. Insurance industry flack
artists get millions to lie to the press and politicians get millions
to pass favorable laws. So the public really needs the few outlets
that are telling the truth. Unfortunately, the word isn't getting
out since the old media isn't doing its job. But with better funding,
we can own the net. My site and Gary Weingardt's site are already
on top of most search engines when you type in Allstate. But they're
only One crooked company and I have no time to expand. If anyone
knows of a foundation that would allow me to do this full time, please
write. I'm too busy doing this to resarch that.
Most insurers are now moving on to the net.
Help us give them a warm welcome ;')
Our PO box for contributions or hardcopy info is below:
"There is no Justice but that we make it so."
The insurance industry spends tens of millions to control the media
and politicians. We're lucky to scratch up twenty bucks.
If you want to help us get more of the truth out, please send a donation
to our box below:
Jim Mooney, webmaster
4495-304 Roosevelt Blvd PMB # 204
Jacksonville, FL 32210
That's all for now..
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Created: June 15, 2000
Last Updated: June 15, 2000