Wednesday, April 13, 2011

MetLife Destroys 7 Laws Requiring Care, Skill, Diligence, Prudence and Safeguards !

DOL/DOJ’s failure to stop this enables MetLife’s doctors’ to ignore Multiple Sclerosis, brain lesions, a foot broken in five places, and cardiac conditions of many patients !

 Law # 1 Destroyed

U.S. Title 29 1104 mandates :

“ a fiduciary shall discharge his duties with respect to a plan solely in the interest of the participants and beneficiaries”

“with care, skill, prudence, and diligence”

In exchange for agreeing to the laws seen on this website, the insurance companies make trillions of dollars providing health benefits to 150 million Americans get every other law in their favor.

They cannot be sued for punitive damages !

If they delay your claim for ten years when they know you have no money for surgical follow up and medical treatment, and almost kill you because of this like they have done to me, they only have to pay you what they originally owed you years ago !!

  Law # 2 Destroyed

U.S. Title 29 also requires MetLife and other insurance companies to have :

“The claims procedures contain administrative processes and safeguards designed to ensure and to verify that benefit claim determinations are made in accordance with governing plan documents and that, where appropriate, the plan provisions have been applied consistently with respect to similarly situated claimants.” (Title 29 CFR 2560.503-1 – section  (b)(5)”

Law # 3 Destroyed

 U.S. Title 29 also requires MetLife and other insurance companies to have :

“The claims procedures do not contain any provision, and are not administered in a way, that unduly inhibits or hampers the initiation or processing of claims for benefits.” (Title 29 CFR 2560.503-1 – section (b)(3)

Law # 4 Destroyed

 U.S. Title 29 also requires MetLife and other insurance companies to have :

“Provide for a review that takes into account all comments, documents, records, and other information submitted” (Title 29 CFR 2560.503-1 Section (h)(2)(iv)

 Law # 5 Destroyed

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.

Law # 6 Destroyed
Reckless endangerment :

My Psychologist wrote :

“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.”
(End of quotes)

This is happening to thousands of medical patients a year !! MetLife knew I had no money for surgery and medical treatment and MetLife continued to violate laws. Metlife is much worse than potentially fatal cancer !!

Every state has laws that prohibit reckless endangerment !!

Law # 7 Destroyed

Involuntary Manslaughter

Definition – “The act of unlawfully killing another human being unintentionally”

I am certain if there is ever justice in this and a real investigation occurs there will be thousands of examples of ceaths that have been caused by these flagrant repeated violatyions !!

DOL/DOJ Directors, why have you done nothing about Dr. Greenhood ignoring Multiple Sclerosis, brain lesions, sphincter incontinence of Jacquelyn Addis, a foot that new mother Joanne Vick broke in five places, and the great majority of my eye cancer problems ?

150 million Americans have health policies that are regulated by these laws that MetLife and other insurance companies are flagrantly violating. I pray someone will help soon because thousands of lives are being destroyed every year !!

To see how identical crimes are being committed by multiple insurance companies in five different types of insurance including injured war zone contractors, injured American workers and disabled Americans please go to :

Barry Schmittou