March 16, 2011

Below is a letter to my insurance agent regarding the Standard's corrupt claims department. Also, my agent appears to either be afraid of the Standard, or is just not motivated to help me since she has already gotten paid the commission on the purchased of my own occupation disability insurance policy.

Leesa,

I have provided you copies of enough bad faith claim documentation via email that exposes the Standard's dishonesty, you clearly know that they lied to you last summer when they falsely stated that I had called them on the phone on a daily basis. As I have told you before, I rarely called the Standard on the phone, nor does the Standard have any recordings or phone logs that can support this false accusation, and you know it. These are exactly the kind of lies I wanted to clear up in a conference call with the three of us last year, and you know that too. But you and the Standard collaboratively decided not to have a conference call with me, and you used this lie to skirt your responsibilities to me as my agent.

As you had once requested, my phone call to you yesterday was to inform you of the outcome of this situation with the Standard. Yet, when I called you to tell you that I recently found out that I have no legal remedy due my modest maximum benefit amount on my policy, you implied that perhaps no attorney finds my case believable or winnable, and then you went on to suggest that I should consider not even bothering filing a complaint with the California Department of Insurance. Your advise to me was to just walk away from it. Who are you working for? The attorneys I have talked to have told me that they see this kind of bad faith evidence all the time from the Standard. So please don't insult me Leesa with the implication that my case is not winnable. I was told that if I had a policy that was worth far more than it is, it would certainly be worth litigating. I was told that they have to turn away cases like mine all the time due to modest maximum benefit amounts, even when the bad faith is as evident as mine. And rhe STandard knows this which is why they feel so confident to conduct such bad faith claim reviews. This is also self explanatory for anyone willing to consider the truth on this matter and not making a lot of money off this so-called disability insurance "business". This is not a business, this is racketeering.

Leesa, if you are going to sell disability insurance policies to individuals and employer groups at Healthpoint of California, perhaps it would help you to know more about what bad faith insurance carriers are doing to your customers down the road after your commission for the sale is spent. These bad faith tactics are all over the Internet and I have even sent you copies of them. Haven't you read this stuff? Or is it not financially prudent to educate yourself on what you are selling to innocent people who could become victims someday, just like me?

Now, in my conversation with you today, I informed you that Lisa Gates has instructed the receptionist to not allow me to speak with anyone at the Standard about my policy, other than her. As I told the receptionists, I do not want to talk to Lisa Gates or any other employee that took part in that bad faith claim review. They all were very dishonest in the practices in conducting my claim review, and why I would not trust them with regard to my policy is self-explanatory. Clearly, they all seek to cover up what they did by stonewalling my efforts to talk to upper management on the phone about matters pertaining to my policy. The guilt is evident.

Lisa Gates has no right to take my policy hostage by refusing to allow me to have a phone conversation with upper management about my issues with her corrupt Claims Department.

Therefore, I requested that you contact the Standard since I have recently discovered that I cannot get legal representation due to monetary reasons, and I have been unsuccessful myself in getting anyone to talk to me other than the Claims Department damage control machine who refuse to help me.

You did not appear to be too interested in helping me with this, but reluctantly agreed to call them sometime over the next few days. Then you went about placing your new business clients over helping me, a victimized claimant. I have paid for this policy 8 years with approximately $15, 000.00 of my own money, and I have suffered much at the hands of the Standard Claims Department's corrupt behavior. Yet, you don't have time to make a few minutes tomorrow to call the Standard for a contact name and number for me as I sit here in my home sick with no way to pay my medical bills?

If you value the money "you" are making in new books of business over servicing your past customers who have been harmed from the purchase of the products you sell, than I suppose you will take a number of days before you call the Standard on my behalf, if you even call them at all with any interest in helping me get to an honest "go to" person. However, I need you to do so tomorrow since I have premiums payments coming out early next week and I am seeking to make a decision about the future of this junk policy and after I meet with one last attorney on Friday.

FYI, Ms. Gates is out of the office until Monday, March 21st. Are you waiting for her to come back before calling? Will they not allow you to talk to anyone other than Ms. Gates either? If so, please know there is a corrupt reason they employ this stonewall tactic. Clearly! Instead, please ask to speak with a member of the executive management, and provide me their direct number via email.


Carmen Hawes