Following is emails between me and the Standard cut from my email account into this post. As with mutilple emails, the most current email is first. The first email begin at bottom. Then move upward in chron order.


Standard stealing money from my account again today!
From:
Carmen Hawes <[email protected]>
View Contact
To: Michael Dahl <[email protected]>
Cc: [email protected]; [email protected]; [email protected]; [email protected]
Dear Mr. Dahl,

After receiving and responding to the Standard's lastest email today, I decided to re-send to you my June 21st and June24, 2011 emails (see below) of which were sent to you on those dates. Yet, the Standard emails me today, June 29, 2011, with a letter that totally ignores my June 21 and 24th emails! Instead the Standard decided to falsely depict my March and April communication by copying me on THE STANDARD'S false letters dated March 28 and April 1, 2011 that contain false quotes of things I never said. The Standard cannot produce any correspondence from me that instructs the Standard to obtain my 2010 and 2011 medical records for the purpose of "claim review" on a denied claim or a new claim. Such correspondence from me simply does not exist. Isn't this true Mr. Dahl?

Clearly, the Standard continues to ensnare themselves with their lies, however creative they think they are at it. Clearly, the Standard rendered my denied claim not even "open for discussion." Therefore you have no right to be reviewing my medical records on a denied claim.

Clearly if I was not interested in the Standard reviewing my medical records for the purpose of claim review, I would have filed a new claim as instructed by the Standard. In that instance, I would have notified you of ALL my doctors which have included two Neuerologists, an ENT as well as an MRI and other tests in response to a major imbalance problem that came about soon after that corrupt denial letter was sent to me by Ms. Blanche Sabo in that corrupt claims department at the Standard. Clearly, my emails after I received that denial letter depict a very upset, angry, hurt, and victimized claimant. The stress was so unbearable and the lies so many, the whole thing made me even sicker. My imbalance problems also involved consulting with doctors involved in college research studies at a major college in California and another one in Ohio. I did not make the Standard aware of these things which make it obvious I was never interested in a new claim.

Clearly, I chose to make it none of this the Standard's business because if I made it their business they would have just insulted with more misrepresentations about those medical records and research studies as they did my fibromyalgia diagnosis in 2009 and 2010. Clearly I had decided that the Standard was not trustworthy and my health could not endure any more of those insulting letters full of lies and insults. I actually find the Standard to be deceptive and cruel, and very very "slick".
Interestingly, while manipulating the facts in the Standard's recent email, they also IGNORE my 4 requests in my emails dated June 21st and June 24 (below), and have failed to redeposit my money back into my account as instructed in those emails. The Standard's behavior is hopeless. I want my money back with interest and no deductions, and my medical records to never be abused by the corrupt employees at the Standard ever again, as as I have previously stated, and of which was ignored and lied about.

Get it Mr. Welty, Mr. Ness and all those at the Standard who operate this corrupt racket. Stop defrauding your customers!
.
Carmen Hawes


--- Forwarded Message ----
From: Carmen Hawes <[email protected]>
To: Michael Dahl <[email protected]>
Cc: [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; [email protected]; Dana Heine <[email protected]>
Sent: Fri, June 24, 2011 6:06:02 AM
Subject: Standard stealing money from my account again today!


The Standard keeps stealing money from my account.


06/23/2011
Debit
PAYMENT STANDARD INS CO XXXXXXXXXXX9800 ACH DEBIT
$56.13
06/23/2011
Debit
PAYMENT STANDARD INS CO XXXXXXXXXXX2350 ACH DEBIT
$113.07


The above was cut and pasted from my checking account activity this morning, June 24, 2011. It shows the Standard Insurance company of Portland, Oregon stealing money from my checking account in two different transactions totaling $169.20. This is the amount they have been stealing from my account since August 2010. Prior to this date, the amount was approximately $190.00 a month since the summer of 2003. This totals "thousands of dollars the Standard has stolen from my account even though I have requested, in writing and verbally, that they need to stop this.

I say "stealing" because this is exactly what they are doing when reviewing the manner in which they handled an own occupation disability policy that I purchased from them in California in 2003.. In August 2009, after moving to Tennessee in 2006, I filed a claim with the Standard. From August 2009 until April 29, 2010, I endured an initial claim review and an appeal review of my claim that was deliberately corrupt and dishonest. The bad faith tactics and dishonesty used to deny my claim has even been recognized by a number of attorneys that I have consulted with. I have been told, "We see the Standard utilizing these tactics to deny claims all the time". This is consistent with the many complaints that can be found on the Internet by other defrauded consumers. This kind of bad faith behavior has even been reported on by the media, including ABC News' Good Morning America.

Meanwhile, the Standard is actively involved in making charitable contributions to local organizations in Oregon as if they find value in "helping" people. Why then, one might ask, do they treat their customers like this? Taking from their sick customers who are entitled to their benefits of which they paid for, and then giving money to charitable organizations seems to be a gross contradiction. One has to look at what is to be gained by this. Obviously the former is for their bottom line and the savings they realize by doing this is well into the millions. Their charitable donations are obviously much less than that. Are these charitable donations due to the "compassion" of the Standard? Where is the compassion of the Standard with regard to their sick customers that have been wrongfully denied their benefits utilizing bad faith practices to deny claims? And then enduring more health problems from all the stress associated with the financial problems that arise out of these claim denials... not to mention trying to overcome the emotional pain of being a victim of a crime where no justice is available.

My experience with the Standard and the documented evidence I have of it displays no compassion whatsoever. It also does not display descent and honest business practices. My experience and documented evidence displays a '"racket" that was inflicted upon me that has defrauded me out of my disability benefits on an own occupation policy and thousands and thousands of dollars in premiums that this company electronically withdrew from my account since 2003 for payment of a "junk" disability insurance policy. The evidence that I have in my copy of the claim file and the documents that arose out of an investigation of that claim file exposes the practicing of deliberate deception and misrepresentation in order to deny my claim. Much of these bad faith practices had been used for years by bad faith insurance carriers. And the attorneys that have seen this evidence recognize it as practices routinely used by the Standard as well. I was told by one law firm that the Standard is one of the best in the business at deception to deny claims, including the ability to misrepresent and lie about facts to produce dishonest denial letters. My denial letter was 25 pages long and full of lies. There were lies on almost every page of it. And I can prove this.

Unfortunately Insurance Commissioners often do not do anything about these bad faith business practices. I have been wondering if the Standard make charitable contributions to them also? Or does the Standard directly or indirectly contribute to political campaigns in hopes of seating Commissioners that will ignore complaints made about them? These are two questions that arose out of a response they Standard wrote to me in 2009 and 2010 when I stated that I was going to report them to the California Department of Insurance. The Standard said that they "welcomed" this. This confidence is really odd considering the evidence I have of their bad faith. So one has to wonder where they got this confidence in the California Department of Insurance under the prior commissioner. Do they have the same confidence in the new Commissioner in California to overlook their bad faith business practices. I look forward to seeing his response to my complaint about this company. This complaint will be filed in the near future.

In the meantime, the Standard keeps stealing money from my account for premiums on that junk policy. I have demanded that they refund all my premium payments with interest and to stop stealing money from my account. They have ignored this request and stole money from my account again last night (see above transaction record),

I cannot retain an attorney because I have no money. I can't get an attorney on a contingency basis due to the maximum benefit amount of my policy not being
enough to justify taking my case and litigating it on a contingency basis. I have been told by several attorneys that they "believe" in my case and recognize the bad faith behavior. However, Tennessee (where I lived when I filed my claim) does not have consumer friendly laws on insurance bad faith cases. Tennessee tends to favor the insurance carrier. Interestingly, Tennessee had been named one of the most politically corrupt states in the country. Not surprisingly, the laws here favor "insurance carriers". One has to wonder what kind of money changes hands that place these insurance friendly laws on the books.

Following is a copy and pasted documents which is my last communication with the Standard. Based on the seizing of my money from my account this morning by the Standard, it is obvious that I have been ignored, once again. The arrogance and greed of this company is irrefutable when looking at all the facts. I will be happy to share those facts via the documents on record to those who would like to see them. Please contact me at [email protected]

Here is my last email to the Standard:


Tue, June 21, 2011 12:43:46 PM
Our conversation yesterday and Forwarded email communications from March and April 2011
From:
Carmen Hawes <[email protected]>
View Contact
To: Michael Dahl <[email protected]>

Dear Mr. Dahl,

Per our telephone conversation yesterday, I reviewed our last emails from March 18, 2011 to April 5th, 2011, of which are included in this forwarded email (see below). As you will see, my initial request on March 18, 2011 to speak with an upper management staff person regarding how the Standard had treated me still continues to be ignored. Additionally, all the specific questions I have asked both via email and verbally (as I did again yesterday) are still not being answered by the Standard. Your excuse for this was that my claim was denied and therefore these issues won't be discussed.

Clearly, any of my questions about the many lies in the denial letter would follow my receipt of that denial letter. Yet, the response from the Standard to justify not answering those questions is that the claim has been denied. How can a claimant ask questions about denial letter lies when they don't know about the lies until "after" they receive the denial letter? During the claim review, I was told that my claim review would not be discussed until "after" a decision was made on the claim. Then when the claim was denied utilizing dishonest tactics and telling numerous lies in the denial letter..., I was then told my questions would not be answered because the claim had been denied! Clearly this tactic (as noted above) is intended to avoid accountability about those denial letter lies and to a stonewall a claimant’s legitimate and relevant questions.

This is just one of the many manipulative tactics the Standard employs upon their customers throughout the claim review process. And from what I have learned from claimants that have "been on claim" with the Standard..., the bad faith tactics continue even while a claim is being paid in order to get that claimant "off claim". This is exactly what happened to me from November 2009 to April 2010 while the Standard was paying my benefits under reservation or rights while reviewing my appeal. I was lied to and lied about by the Standard during that time!

Therefore, I know the stories are true about how claimant are treated in order to get then "off claim". Consequently, after being forced to deal with the Standard's corrupt behavior and the impact it has had on my life, my health was also negatively impacted. I cannot take any more of it. This is exactly why I never filed a new claim.

I do not want to do business with a company like the Standard nor is it healthy to do so. The stress alone contributes to more health problems. Unfortunately for the 7 years and nearly $17, 000.00 I have paid in premiums, this is my reality. I owned a junk policy from the beginning. The manner in which I have been treated is a testament to this fact. And the only thing I have to account for it is $9000.00+ paid to me during the administrative review because I caught the Standard denying my initial claim with such dishonesty the Standard had no choice but to pay these temporary benefits until they could manufacture and employ their list of corrupt tactics to deny my claim.

Clearly, the liability for that initial corrupt claim review was something the Standard needed to mitigate until they could inflict my claim with their well known bad faith tactics to get me off claim. This took over 7 months for the Standard to accomplish. The lies and tactics employed during that time are well documented in my claim file and what arose out of the investigation of that claim file once I received a copy of it “after” my claim was denied . I have the evidence of the bad faith behavior and it is irrefutable regardless of the routine blanket damage control statements the Standard made about it. .

The benefits paid to me under reservations of rights during that administrative review hardly compensates me for the pain and suffering and financial loss the Standard has caused me from 2009 until now... and for the rest of my life. My life will never be the same because of what the Standard put me through. My husband and I have been forced to empty our modest retirement accounts to make up for my lost income and disability benefits. Our credit balances are even higher than ever because we have been forced to also utilize credit to help cover our living expenses. My medical bills are higher due to the additional health problems that I have experienced because of all this stress that Standard has caused me.

I, no doubt, will be forced to file bankruptcy and possibly lose my home because of the Standard defrauding me out of my benefits. $9000.00 that was paid to me in benefits under reservations of rights during the administrative review is nothing when looking at all the costs, pain and suffering the Standard had caused me and my family.

Yet, after all of this the Standard continues to steal money out of my account as they have done since 2003 for a junk policy that they knew was junk the day they sold it to me! The junk policy is evidenced in the language contained within it, the manner in which my claim was reviewed and denied, and the manner in which I have been treated since that denial.

Nearly $17, 000.00 has been stolen from me over a period of 7 years for this junk policy. I demand that it be redeposited back into my account immediately... with interest. And NO, the Standard will not deduct the $9000.00+ paid to me in temporary benefits from this amount! Clearly, the Standard stated in their November 2009 letter that any benefits paid under reservations of rights would not need to be reimbursed to the Standard. And clearly to do so would add insult to injury based on the manner the Standard has harmed and victimized me since 2003 and for the rest of my life.

What this fraudalent policy and horrible experience has costs me exceeds far more than that. That $9000.00+ is the Standard's is loss... yet the Standard hasn't really lost anything really. The Standard comes out ahead even when adding to the $17, 000.00+ they owe me for reimbursement of premiums for a junk policy. Clearly the 9000.00 in temporary benefits for the Standard to get out of that initial corrupt claim review plus the $17, 000.00 reimbursement of my premiums on this junk policy is a very small amount indeed for having been "fooled" me into believing that I even owned an own occupation disability policy to begin with. I could have otherwise had a "real" policy all these years. How would I have ever known?

Clearly, my medical records obtained from Dr. Morris office on April 18, 2011 was not a result of a "new claim". I never filed a new claim. Therefore, I have to assume that the Standard obtained these records under the old claim. The one that was denied. The one the Standard refused to discuss because it was denied. And the claim the Standard still refuses to discuss utilizing lame excuse that it has been denied. Yet there is nothing in the laws or my policy that allows the Standard to refuse to discuss the lies told in that claim review and denial just because the claim has been denied. If I am wrong about this then show me the policy language and/or laws that state you can refuse to answer questions during a claim review with the promise to answer them when a decision on the claim has been made. Then when that denial decision is made, to refuse to answer questions about lies in the denial letter because the claim has been denied? This is utterly ridiculous.

Additionally, how can the Standard refuse to discuss that claim because it has been denied, and then be pretending to be doing work on that claim? The claim is either denied or it is not.

My forwarded emails (see below) clearly show all of these issues being communicated and the Standard manipulating those communications to suit their agenda and their bottom line. All these communications also show the Standard ignoring important issues that I raised and only discussing what "they" want to discuss. This is exactly why I do not want to ever be on claim with the Standard. The Standard is not someone I want to do business with now or in the future... ever.

I just want my premiums reimbursed in full with interest and without any deductions made to that electronic deposit that needs to go back into my checking account immediately. Likewise, the Standard need to stop stealing money out of my account immediately as I requested months ago. (see prior emails below), and of which the Standard has also ignored.

In my prior email last Spring (see below), I was not agreeable to the Standard reimbursing my premiums for the past 7 years. And certainly not deducting “damage control” money that you paid to me during the administrative review. That is clearly unacceptable. Like I said before, I did not purchase this policy to be an interest bearing savings account. However, the financial strain and mounting medical bills, etc. have brought me to a desperate financial state that the Standard clearly relies on to negotiate these low ball offers.

In that regard, the Standard had "won" again. No doubt, I am desperate for some relief from all the financial stress which is also stressful to my health. I want nothing more than the Standard to be out of my life so can try to work on my health without living with all this stress and injustice. Clearly, I cannot stomach the reality of this $17, 000.00 being stolen from my account for the last 7 years while also having to stomach being defrauded out of my full benefits. The two injustices is more than I can take. Not to mention the added negative realities of my financial condition and my health that arose out of the Standard’s greed.

Per my conversation with you yesterday, I will reiterate what your upcoming letter (sent via email only) should address.

1. 1. Under what premise and claim number did the Standard obtain my medical records from Dr. Morris's office on April 18, 2011? If it was my one and only claim number of which has been denied, than I want all of my specific questions about that claim review and denial to be answered in your letter for obvious reasons. If that claim is the still "open" for review than it should still be "open" for discussion and to have my specific questions about it answered. Those questions can be found in my volumes of emails sent from April 2010 until March 2010, of which were ignored. Claim reviews are not suppose to be "one sided". I know this is how the Standard had handled my claim all along, but I have had enough of it. If the Standard continues to refuse to answer these questions, than I consider the obtaining of my medical records by the Standard on April 18, 2011 to be in violation of HIPPA laws. The authorization form signed in August 2009 and valid for two years thereafter was for the purpose of that claim. Nothing more. Yet the Standard has refused to answer my questions about that claim review because it was denied. Therefore, how can the Standard then still be conducting a review of that claim when it has been denied and rendered not worthy of discussion with me?

2. Why did you email me in late March 2011 stating that you would be contacting me soon. and then fail to do so? I never heard from you again until "I" called you yesterday, June 20, 2011. I actually left you a voice mail last week of which I recorded. However, I did not hear back from you. I had to call you again this week to once again request that the Standard stop stealing money out of my account. My prior requests have been ignored on the 23rd of each month. Clearly, I was going to be ignored once again had I not made contact with you yesterday regarding this matter of funds being taken from my account for a junk policy. I am very poor now and cannot afford this $160.00 to be stolen out of my account eveyr month!

3. How did the Standard ever expect a fibromyalgia patient struggling with pain and "fatigue" to perform the material duties of their job behind the wheel of a motor vehicle all day long while also taking medications that cause drowsy side effects? Clearly both is in violation of the regulations set forth by the U.S. Department of Safety and Transportation, the National Safety Council, and the FDA. I believe I deserve an answer to this question after having endured all the lies in my denial letter of which this issue was not even addressed.

4. Lastly, I requested that Standard cease sending me anymore dishonest letters that falsely depict our communications and the manner in which I have been treated. I also do not want my medical records lied about, misrepresented, or manipulated ever again as they were in the initial claim review and the appeal review. As you are well aware, I did not file another claim and I did not request that my medical records be reviewed. Clearly I did not and do not want to endure this type of treatment again. I cannot take anymore of the Standard lying about my medical records and or my medical condition when I have to live with it everyday! I do not want the endure the Standard’s false review of my medical records anymore. Experience that corrupt behavior in the first claim and appeal was enough for me.

I just want what I have stated in this email and to be left alone to live in the poverty that the Standard has caused me. Doesn't the Standard think they have done enough to me and other customers like me? I want an emailed letter addressing the above 4 items only and my $17, 000.00 in premiums for that junk policy to be immediately electronically re-deposited back into my checking account. And with no deductions made whatsoever! Otherwise, all I can do is try to "heal" from all this pain and fraud as I have been doing for months now. Clearly I want my money back in my account as previously stated, and the Standard to get out of my life!

I would like a timely response to this email by reply email as soon as possible. I did not call or email you for over two months, and I was just ignored while the Standard continued stealing money out of my account when I had asked them to stop this! This practice occurs on the 21st of each month at the Standard for an electronic withdrawal from my account of the 23rd. A deposit as noted above needs to occur, not an unauthorized withdrawal of funds. I will be watching my account closely to see what happens on June 23rd.

Carmen Hawes