MetLife Scandal
http://www.MetLifeScandal.com/
Contact Information
Documentation
Writing to MetLife
Frequently Asked Questions
Latest Status
How Much Does MetLife Owe You?
Crimes Committed
Page 1
MetLife Scandal
An Egregious Crime Committed Against a Unusual Genius
Genius Treats Situation in an Untraditional Way
Started February 2007
Currently in Progress
Crimes Detailed & Documented
Unusual Genius Details and Explains Events and His Actions
Latest Status
Last Updated 08/14/09
- 08/14/09-All relevant information certify mailed to California Department of Insurance. I request that the California Department of Insurance investigate and have MetLife calculate and pay me the full underpayment, and I would also like that California Department of Insurance deal MetLife a significant fine for gross bad faith insurance practices and collaborative, intentional fraud among multiple senior case managers.
- 08/14/09-All past documentation and faxes certify mailed to MetLife.
- Sent MetLife Fax #4 on 08/13/09 8pm Pacific
- I received the MetLife written response on 08/13/09. No issues are addressed. Multiple senior case managers intentionally concealed the error at MetLife.
MetLife is now requesting two pieces of documentation that do not exist to make any changes. This is MetLife's way of making no statement because there has been a scandal where multiple senior employees have knowingly and collaboratively committed fraud.
- MetLife calls me via telephone on 08/10/09 at 1pm Pacific (Details discussed in Fax #4)
- Notified multiple major media corporations of the following story:
News Story Alert: MetLife Disability Scandal--Multiple Senior Case Managers Fraudulently Conceal Multiple Calculation Errors that Lead to Significant Underpayments of Insurance Benefits
There is a MetLife Disability Scandal where multiple senior case managers have collaboratively and intentionally committed multiple accounts of fraud. This scandal recently occurred and is still in progress and all details are documented and discussed on the website: MetLifeScandal.com
- No phone call from MetLife despite three faxes on 07/31/09 explicitly requesting ASAP response via phone call.
- MetLife has not admitted to or fixed a single error.
MetLife Scandal
http://www.MetLifeScandal.com/
Contact Information
Documentation
Writing to MetLife
Frequently Asked Questions
Latest Status
How Much Does MetLife Owe You?
Crimes Committed
Page 1
MetLife Scandal
An Egregious Crime Committed Against a Unusual Genius
Genius Treats Situation in an Untraditional Way
Started February 2007
Currently in Progress
Crimes Detailed & Documented
Unusual Genius Details and Explains Events and His Actions
Latest Status
Last Updated 08/14/09
- 08/14/09-All relevant information certify mailed to California Department of Insurance. I request that the California Department of Insurance investigate and have MetLife calculate and pay me the full underpayment, and I would also like that California Department of Insurance deal MetLife a significant fine for gross bad faith insurance practices and collaborative, intentional fraud among multiple senior case managers.
- 08/14/09-All past documentation and faxes certify mailed to MetLife.
- Sent MetLife Fax #4 on 08/13/09 8pm Pacific
- I received the MetLife written response on 08/13/09. No issues are addressed. Multiple senior case managers intentionally concealed the error at MetLife.
MetLife is now requesting two pieces of documentation that do not exist to make any changes. This is MetLife's way of making no statement because there has been a scandal where multiple senior employees have knowingly and collaboratively committed fraud.
- MetLife calls me via telephone on 08/10/09 at 1pm Pacific (Details discussed in Fax #4)
- Notified multiple major media corporations of the following story:
News Story Alert: MetLife Disability Scandal--Multiple Senior Case Managers Fraudulently Conceal Multiple Calculation Errors that Lead to Significant Underpayments of Insurance Benefits
There is a MetLife Disability Scandal where multiple senior case managers have collaboratively and intentionally committed multiple accounts of fraud. This scandal recently occurred and is still in progress and all details are documented and discussed on the website: MetLifeScandal.com
- No phone call from MetLife despite three faxes on 07/31/09 explicitly requesting ASAP response via phone call.
- MetLife has not admitted to or fixed a single error.
Here is the purpose of life and life explained in a way that we can all understand that is reasonable and rational and that expert scientists would agree with are reasonable and rational
all these things i've written have nothing to do with karma or something spirital or religious
i am being rational and reasonable
i would slowly share this email her several times to ensure that understands it and she how she reacts. tell her that i wrote it, and ask her if she her a completely rational and reasonable question
like why would you continue to stay with me many years later from now if these things definitely happened
she'll say something very vague that is irrational and unreasonable, like because i love you--this is completely unreasonable and irrational because the example says that both of you have huge amounts of resentment towards each other which is the truth.
Ask her if you do not treat her well for years, then what would she do. then you need to force her to respond with a reason that is rational and reasonable.
you cannot control how you treat her.
the past is fixed
the future is soley determined by the past
thus, the future is fixed
the present is constant and is faster than the speed of light and is only theoretical
when you are concience, you are constantly experiencing life
this is determined by the atoms you are atoms you are created from--
there are many different types of atoms-- all know atoms are on the period table
you obviously cannot the atoms you are composed of
you are a living being, however life is a cell that can dupicate by itself- like archaebacteria
as a living being you are constantly experiencing, until your experiencing processes are no longer functioning
and everything needs to be analyez at the atomic level
for humans, they are best understood, by biochemistry
psychology helps people to understand the human being experience
what is the purpose of life? there is no purpose
why are we living? there is no purpose.
you should not insult people? you cannot do gooder and badder things. there is no good and bad. there is no purpose
what is going on? the human being experience at a macro level that is a byproduct of tons of infinitely complex networks of dynamic and simuteneous atomic processes.
once these processes stop working, you stop experiencing
eventually, none of your cells can replicate by themself and you are dead
life is defined as defined being able to replicate by itself- the simplist form is the cell which is composed of atoms (the smallest particles known to man)
well before this, you have lost all sensory and cognifitve human experience because your complex human systems are no long functioning properly to allow these things to be experienced, and all these systems are dynamically interconnected in complex ways, so damage to one system, affects everything else
you stop experiencing
there is no god
there is nothing metaphysical or spirital
there is no afterlife or karma
people then ask, what is the point of it all?
there is no purpose. you experience. you cannot do things that are gooder or badder. there is no good or bad. the past is fixed. the future is fixed. you are having a human being experience that you have no control over-- pleasurable--
high levels of serotonine, norepinephrine, and dopamine
and low levels of cortisol
or
a human being experience that is painful-
low levels of serotonine, norepinephrine, and dopamine
and high levels of cortisol
when you are living, you are experiencing at a cognitive and sensory macrolevel that is the byproduct of processes at the atomic microlevel.
This website notifies and discusses with the public a scandal committed by MetLife that is still in progress.
This occurrence of fraud is particularly unique because it is involves a scandal that was poorly planned and is well detailed and documented by the victim.
This is a special occurrence because the victim happened to be an unusual genius who dealt with the situation in a very untraditional way. The MetLife scandal is still in progress, and the unusual genius created this website and gives a detailed account of what has happened and explains his untraditional dealings with the MetLife scandal.
The scandal involves the intentional cover-up of significant long-term disability insurance calculation errors among multiple senior case managers and most likely their management. The calculation errors result in MetLife paying absolutely no long-term disability payments based on income. The victim purchased the most expensive long-term disability insurance policy possible and received only a trivial monthly stipend of $1,200.
A day later, the unusual genius finds additional errors that he did not even mention in the previous phone call. The unusual genius faxes MetLife a detailed explanation of the error and all documentation from California detailing all money received from the state and documentation detailing all money received from MetLife.
Days later, the unusual genius is called by a lawyer-type who starts the conversation with a bunch of legal jargon and that the conversation is being recorded. I ask to speak with my actual case manager, and he says that he will be speaking on behalf of my actual case manager. By this time, MetLife has switched his case between three senior case managers within the span of two weeks. The scandal is serious and has now been well documented for three senior employees and most likely their management is involved.
The lawyer-type man requests that the unusual genius provide them with specific documentation that is more detailed documentation from California, and that it necessary for them before they move forward. This documentation does not exist, and the unusual genius knows it. This is yet another fraudulent attempt to conceal the calculation errors and making up a reason to reject the victim's request to fix the error.
Shortly afterwards, the unusual genius discovers the tremendous scandal in that MetLife actually paid out no insurance benefit payments and that this who time he was intentionally being misled and he was being given false calculations over the phone.
In addition to the above mentioned, before any of this even happened, MetLife also intentionally denied long-term disability insurance claims that met all requirements. This action is almost exactly mirrors the last one where the lawyer-type man requires that the unusual genius provide MetLife with specific documentation from California that did not exist before MetLife they could see if they could fix any errors. These occurrences occurred between the months of February 2008 - June 2008.
MetLife does not provide email as a form of communication. This makes the collection of documentation against MetLife very difficult, and lying very easy on the part of MetLife.
Documentation Section
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Here are the actual documents that prove the numbers and facts:
This document shows the amount MetLife agreed to pay out per month. This amount resulted is an insurance benefit of zero based on income when the most expensive insurance policy had been purchased.
This is the second page of the MetLife long-term disability approval claim letter.
These are all the payments that MetLife paid out.
This is paperwork that I faxed to MetLife that documents all payments from California for disability insurance based on California's calculation based on my income. California received the information for my income from my employer.
This is the 2nd page of the paperwork from California that details all payments that I disability insurance payments that I received from the state.
This is paperwork where a California State employee showed that $917 per seven days, or $131/day, was paid out to me. But MetLife used this as $917 was paid out to me every 5 days, or $183/day, so MetLife was able to drastically reduce the amount of money they paid out. $183/day was almost 100% of my normal salary, and no employees at MetLife caught this error or brought it to my attention even after careful review.
These are paystubs that Deloitte emailed to me to prove that my salary annual salary was $50,750. Deloitte has 26 biweekly payments per year. This documentation is completely unnecessary because MetLife intentionally concealed the errors and then fraudulently denied them. However, I am including the images anyway.
Writing to MetLife Section
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In addition to the 3rd page of fax 4, I faxed MetLife the contents of my website which contains images of all documentation so that they could not claim that they did not receive documentation.
Frequently Asked Questions
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Frequently Asked Questions (FAQ)
Why did you create this site?
I want to be open and honest, and I believe that being open and honest is better than not being open and honest. It's about being content and satisfied, not money.
This is also an very interesting, unique situation that I am sure others would like to know about. This is something that could easily happen to anyone else. If anyone else is in the same situation, they can read this and consider what I have done.
I was extremely lucky to have discovered any of this. I just decided to look at the payments because I thought they were really small payments, and I didn't understand how the insurance benefit payments could be so small when I purchased the most expensive policy.
I also looked because my intuition told me that I should at least take a glance. The senior case manager that I had dealt with falsely denied my insurance claim in the first place and made it extremely difficult to get approved. It seemed like she was making up requirements to justify insurance claim denials.
Is there supposed to be content on the other pages?
No, I created the navigation frame for search engine optimization. The navigation frame requires the other pages.
Who created all of this?
I created everything myself. I wrote everything and have created this website from scratch HTML without any programs.
Why are you a genius?
I'm extremely creative and rational.
How often will you update this website? When was this website last updated?
I will try to update this website often. This website was last updated 08/02/09, 11pm Pacific Time.
Aren't you worried about doing all of this against such a big company with a strong team of lawyers?
I am worried about doing all of this, but more importantly, I want to be open and honest about all of this. There has been an egregious scandal at MetLife, and I want to address this immediately. I want this to be addressed immediately, especially if this has happened to others. It is better if this is addressed immediately so that MetLife has less time to come up with lies and excuses, especially since they have exhibited dishonest behavior.
And I know that it is the best option to be open and honest. I also believe that the public would benefit from this website. It doesn't seem right to me to keep something quiet because of being afraid of being sued by a large corporation, especially when you're the victim of multiple accounts of fraud that can be easily proved.
Are you going to get a lawyer?
Not as of now. I would like the California Department of Insurance to first handle the situation for me. They CDI was specifically created for these type of problems. There hurdles that must be jumped in order to sue an Insurance company and win large punitive damages due to past legislation-ERISA and Bush legislation.
Going through the legal process with a lawyer is very slow. It is also very costly. Over 80% of these kind of ordeals are settled out of court, and the lawyer takes 33% of total amount of money received.
However, I would never recommend that someone not get a lawyer.
Don't you want an experienced lawyer to do negotiations for you?
No, MetLife has clearly committed fraud, and it would be wrong for me to give a lawyer 33% of the money that has been stolen from me especially after I have already produced the calculations and produced the documentation needed. It is really the California Department of Insurance's responsibility that MetLife is conducting its business in an honest and legal manner and to investigate on behalf of insurance claimants. If the Insurance companies are not operating ethically, then the California Department of Insurance is supposed to penalize them.
I understand negotiations well and have even taken a formal negotiations course at a respected university. In every negotiation dealing with money, both sides start with an absurdly high artificial amount. I hate that and don't want to do that. I feel like I am lying when I am doing that and am not being open and honest. In addition, formal negotiation books and courses will teach you some principles and rules that help you to exploit human behavior and psychology, and I also don't like that. I hope that helps to explain fax #2 & fax #3.
You might notice from my faxes that I have a strong background in game theory, statistics, opportunity cost, potential exposure/liability, and punitive damages. I make that very clear to them and make it explicit that if we are to negotiate at all, negotiations will be atypical.
A big part of the fees would also include negotiations, and I would want to do that myself. Lawyers are very direct and fact oriented, but they are not really open. I want to be as open and honest as possible, so I definitely not want someone speaking on my behalf.
Have you filed a lawsuit against MetLife?
No. I have sent them a demand letter (see fax #3) which is required in California before a lawsuit is filed. I would like to see how the California Department of Insurance handles this situation before I need to take further action.
Has MetLife called you yet as requested in your faxes?
Not until 08/10/09, 1pm Pacific
This phone call was solely another misleading, dishonest, fraudulent attempt to avoid guilt and payment (See fax #4).
The fraud the MetLife has committed is egregious and intentional. I want to address this and take care of it immediately.
Aren't you worried about MetLife knowing your gameplan?
In negotiations, lawyers and business man don't mention their desires and a lot of other key details because the other side can leverage that information against them.
I am only concerned about being open and honest.
Being misleading and dishonest like MetLife, will indefinitely drag on this process and allow them to not pay.
Crimes Committed
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What Crimes have MetLife Committed?
Crimes that MetLife has Made and Concealed:
- No Payments of benefit on MetLife's part for disability insurance based on Income
- Overstatement of California State disability payments per week, or per seven days
- Understatement of Bi-weekly Income
- Providing False calculation to client over phone to explain zero insurance benefits based on income.
- After client reported errors, senior case managers did not admit to any mistakes after detailed review.
- Required documentation to proceed when documentation did not exist.
- Initially, MetLife denied long-term disability insurance claim that met all eligibility requirements.
- Not following client's request to respond in writing and calling client on 7/30/09 with lawyer-type man
- Not calling client after client sent three faxes on 07/31/09 that clearly explained and specified errors and crimes committed by MetLife asking MetLife to call him ASAP.
Contact Information Section
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What is your contact information?
Email
TheUnusualGenius@gmail.com
Address:
Near Los Angeles
Unusual Genius
1042 N. Mountain Ave. #B 550
Upland, CA 91786
If you need to reach me by phone, send me an email with the following:
- Scanned Copy of Business Card
- Reason You Need to Speak to Me on the Phone and Cannot Communicate Via Email
- Call Back Phone # and Time You Wish to be Called Back
- Name
- Address
- Place of Employment
- Employment Position Title
MetLife UnderPayment
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How much does MetLife Owe You
MetLife owes me $7,960 + 2.00% interest + Emotional Damages + Compensation for being Defrauded
Here's the breakdown of the $7,960:
$1,020 (First 3 months) + $2,960 (Fourth Month) + $3,980 (Expected % MetLife would independently fix errors multiplied by Potential Loss)
MetLife Committed Fraud in Multiple Ways. One significant way, was by mixing up the units and taking advantage of similar diction with different meanings, which resulting in drastically understating my biweekly income and drastically overstating California Disability payments.
Based on my income, MetLife underpaid me a total of $3,980, or can also be said as MetLife paid me 0% of what I was actually owed.
However, in actually it's only fair to take into consider opportunity cost and the (expected % of MetLife fixing these errors without me ever notifying them multiplied by the potential loss).
Not taking into consideration Present Value, since this was fraud and MetLife would not have fixed this on their own, there is a 100% chance that I would have lost $3,980 (potential loss), MetLife owes me a minimum of $3,980 + $3,980 = $7,960. $7,960 does not include any interest and does not include any compensation for being defrauded or emotional damages.
Below is a detailed explanation of how MetLife defrauded me.
MetLife did this by doing the following:
- Underpaid $3,840 based on Understated my 66.66% income/actual day of work by $48
- Overstated California disability payments /weekday
- MetLife Deducted almost an entire month of California Disability payments that were never received
Actual Mathematical calculations are detailed below:
MetLife said that my Biweekly was $2,114.
This is how MetLife got this figure (which is completely wrong):
$50,750 divided by 24 (weeks in a year) = $1,409/week
MetLife commits fraud in that they make intentional miscalculations that take advantage of common diction:
What they were really saying was that my I was earning:
$1,409/week divided by 7/days per week = $100/day
$100/work day
The above calculation is completely wrong is multiple ways.
MetLife was supposed to calculate my rate of pay per actual actual days worked which would require taking into consideration:
- # of working days
- # paid vacation days
- # of paid observed holidays
To calculate biweekly income, they did this (which is completely wrong):
$2,114/week divided 7 days/week = $151/work day
MetLife divides by 7 days/week instead of 5 working days/week.
Here is the correct calculations:
I was actually earning:
/business day
MetLife understated my earnings by:
/business day
Here's the actual calculation of my biweekly income:
261 (working days) minus 23 (paid observed vacation days-I actually got this amount per year) minus 10 (paid observed holidays per year)=
228 actual working days
Annual Salary is $50,750, and %66.66 of income is $33,833
$33,833/228 actual working days
Rate of Pay is:
$148/actual working days
Biweekly pay is equal to:
$148 x 10 working days = $1,484
$148 (correct 66.66% income/actual day work) - ($100 MetLife calculation) = $48 underpayment/weekday during long-term disability
Long-term Disability lasted for 4 months, and 4 months have 80 weekdays of payments, so MetLife made a total underpayment based on 66.66% income of:
$3,840
Here's how MetLife overstated California Disability Payments:
California documentation confirmation that I received $917 per week (7 days) or:
$131/week day
MetLife fraudulently overstated California payments by saying that I received $917 per 5 days, saying that I received from California:
$183/week day
Therefore, MetLife intentionally overstated my California receipt of payments by:
$52/week day
MetLife overstated California Disability payments for the first three months, and for the last three months deducted overstated California Disability payments that were never paid out. So here's how there fraud caused them to overstate California payments:
Taking into consideration that MetLife overstated California payments for three months:
$52/week day x 80 day = $4,160
4th Month:
$183*30 (days in a month) = $5,490
A total California Disability Payments Overstatement of:
$9,650
From these calculations, MetLife said and still says that they owe me nothing for purchasing a 66.66% income long-term disability insurance policy.
This is how they should have done the calculation:
Long-term Disability = 4 months = 80 week days = 80 days of pay
So, MetLife has fraudulently missed 80 days of insurance benefit payout. And here's the correct calculation:
MetLife underpaid the following for the first three months:
$148 (66.66% Income/work day) minus $131 (California Disability Payments/work day) = $17 (owed MetLife payment/work day
$17/work day*60 week days = $1,020
Total Underpayment for First Three Months is:
$1,020
Underpayment in 4th month
20 (week days) * ($148/66.66% income per work day - $0 (California Disability Payment Received/week day)) =
$2,960
4th Month Total Underpayment is:
$2,960
Total Underpayment over four months is:
$3,980
What are the names of the three MetLife employees that are involved in the scandal?
I don't think that I can currently release their names for legal reasons.
What are you most worried about?
MetLife would most likely sue me back in order to indirectly say to the public that MetLife is being falsely accused. And their reason for suing would be defamation--that I would be ruining their reputation by falsely accusing them of a crime.
When did this scandal begin?
February 2007
How do you expect this to end?
I don't know how it will end up. I'm being open and honest, so I hope that it will end up okay.
Headings for Search Engine Visibility
Multiple senior case managers Commit Scandal and Multiple Accounts of Fraud at MetLife Disability- An Egregious Crime Committed Against a Unusual Genius who Treats Situation in an Untraditional Way
MetLife Disability Fraud Scandal Started February 2007 and is Currently in Progress
Crimes are Detailed & Documented by the Unusual Genius who was the unlikely victim. The genius Details and Explains Events and His Actions and the fraud committed.
MetLife pays out no insurance benefits based on his income and intentionally covers up significant calculations errors when he reports them.
MetLife changes senior case managers who overlook simple mistakes and do not fix error when reported. Senior employee requests specific California disability insurance payment documentation required to fix error, and the documentation does not exist.
Initially, MetLife senior case manager fraudulently denies long-term disability insurance claims that meet all requirements. Unusual Genius answers questions regarding MetLife Disability Insurance Scandal in the Frequently Asked Questions section of his website. His email is TheUnusualGenius@gmail.com
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Copyright August 2009 by TheUnusualGenius@gmail.com
Latest Status Section
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07/31/09 Faxes to MetLife
What is this?
What will you do if your site is hacked or crashes?
This website notifies and discusses with the public a scandal committed by MetLife that is still in progress.
This occurrence of fraud is particularly unique because it is involves a scandal that was poorly planned and is well detailed and documented by the victim.
This is a special occurrence because the victim happened to be an unusual genius who dealt with the situation in a very untraditional way. The MetLife scandal is still in progress, and the unusual genius created this website and gives a detailed account of what has happened and explains his untraditional dealings with the MetLife scandal.
The scandal involves the intentional cover-up of significant long-term disability insurance calculation errors among multiple senior case managers and most likely their management. The calculation errors result in MetLife paying absolutely no long-term disability payments based on income. The victim purchased the most expensive long-term disability insurance policy possible and received only a trivial monthly stipend of $1,200.
A day later, the unusual genius finds additional errors that he did not even mention in the previous phone call. The unusual genius faxes MetLife a detailed explanation of the error and all documentation from California detailing all money received from the state and documentation detailing all money received from MetLife.
Days later, the unusual genius is called by a lawyer-type who starts the conversation with a bunch of legal jargon and that the conversation is being recorded. I ask to speak with my actual case manager, and he says that he will be speaking on behalf of my actual case manager. By this time, MetLife has switched his case between three senior case managers within the span of two weeks. The scandal is serious and has now been well documented for three senior employees and most likely their management is involved.
The lawyer-type man requests that the unusual genius provide them with specific documentation that is more detailed documentation from California, and that it necessary for them before they move forward. This documentation does not exist, and the unusual genius knows it. This is yet another fraudulent attempt to conceal the calculation errors and making up a reason to reject the victim's request to fix the error.
Shortly afterwards, the unusual genius discovers the tremendous scandal in that MetLife actually paid out no insurance benefit payments and that this who time he was intentionally being misled and he was being given false calculations over the phone.
In addition to the above mentioned, before any of this even happened, MetLife also intentionally denied long-term disability insurance claims that met all requirements. This action is almost exactly mirrors the last one where the lawyer-type man requires that the unusual genius provide MetLife with specific documentation from California that did not exist before MetLife they could see if they could fix any errors. These occurrences occurred between the months of February 2008 - June 2008.
MetLife does not provide email as a form of communication. This makes the collection of documentation against MetLife very difficult, and lying very easy on the part of MetLife.
Documentation Section
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Here are the actual documents that prove the numbers and facts:
This document shows the amount MetLife agreed to pay out per month. This amount resulted is an insurance benefit of zero based on income when the most expensive insurance policy had been purchased.
This is the second page of the MetLife long-term disability approval claim letter.
These are all the payments that MetLife paid out.
This is paperwork that I faxed to MetLife that documents all payments from California for disability insurance based on California's calculation based on my income. California received the information for my income from my employer.
This is the 2nd page of the paperwork from California that details all payments that I disability insurance payments that I received from the state.
This is paperwork where a California State employee showed that $917 per seven days, or $131/day, was paid out to me. But MetLife used this as $917 was paid out to me every 5 days, or $183/day, so MetLife was able to drastically reduce the amount of money they paid out. $183/day was almost 100% of my normal salary, and no employees at MetLife caught this error or brought it to my attention even after careful review.
These are paystubs that Deloitte emailed to me to prove that my salary annual salary was $50,750. Deloitte has 26 biweekly payments per year. This documentation is completely unnecessary because MetLife intentionally concealed the errors and then fraudulently denied them. However, I am including the images anyway.
Writing to MetLife Section
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In addition to the 3rd page of fax 4, I faxed MetLife the contents of my website which contains images of all documentation so that they could not claim that they did not receive documentation.
Frequently Asked Questions
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Frequently Asked Questions (FAQ)
Why did you create this site?
I want to be open and honest, and I believe that being open and honest is better than not being open and honest. It's about being content and satisfied, not money.
This is also an very interesting, unique situation that I am sure others would like to know about. This is something that could easily happen to anyone else. If anyone else is in the same situation, they can read this and consider what I have done.
I was extremely lucky to have discovered any of this. I just decided to look at the payments because I thought they were really small payments, and I didn't understand how the insurance benefit payments could be so small when I purchased the most expensive policy.
I also looked because my intuition told me that I should at least take a glance. The senior case manager that I had dealt with falsely denied my insurance claim in the first place and made it extremely difficult to get approved. It seemed like she was making up requirements to justify insurance claim denials.
Is there supposed to be content on the other pages?
No, I created the navigation frame for search engine optimization. The navigation frame requires the other pages.
Who created all of this?
I created everything myself. I wrote everything and have created this website from scratch HTML without any programs.
Why are you a genius?
I'm extremely creative and rational.
How often will you update this website? When was this website last updated?
I will try to update this website often. This website was last updated 08/02/09, 11pm Pacific Time.
Aren't you worried about doing all of this against such a big company with a strong team of lawyers?
I am worried about doing all of this, but more importantly, I want to be open and honest about all of this. There has been an egregious scandal at MetLife, and I want to address this immediately. I want this to be addressed immediately, especially if this has happened to others. It is better if this is addressed immediately so that MetLife has less time to come up with lies and excuses, especially since they have exhibited dishonest behavior.
And I know that it is the best option to be open and honest. I also believe that the public would benefit from this website. It doesn't seem right to me to keep something quiet because of being afraid of being sued by a large corporation, especially when you're the victim of multiple accounts of fraud that can be easily proved.
Are you going to get a lawyer?
Not as of now. I would like the California Department of Insurance to first handle the situation for me. They CDI was specifically created for these type of problems. There hurdles that must be jumped in order to sue an Insurance company and win large punitive damages due to past legislation-ERISA and Bush legislation.
Going through the legal process with a lawyer is very slow. It is also very costly. Over 80% of these kind of ordeals are settled out of court, and the lawyer takes 33% of total amount of money received.
However, I would never recommend that someone not get a lawyer.
Don't you want an experienced lawyer to do negotiations for you?
No, MetLife has clearly committed fraud, and it would be wrong for me to give a lawyer 33% of the money that has been stolen from me especially after I have already produced the calculations and produced the documentation needed. It is really the California Department of Insurance's responsibility that MetLife is conducting its business in an honest and legal manner and to investigate on behalf of insurance claimants. If the Insurance companies are not operating ethically, then the California Department of Insurance is supposed to penalize them.
I understand negotiations well and have even taken a formal negotiations course at a respected university. In every negotiation dealing with money, both sides start with an absurdly high artificial amount. I hate that and don't want to do that. I feel like I am lying when I am doing that and am not being open and honest. In addition, formal negotiation books and courses will teach you some principles and rules that help you to exploit human behavior and psychology, and I also don't like that. I hope that helps to explain fax #2 & fax #3.
You might notice from my faxes that I have a strong background in game theory, statistics, opportunity cost, potential exposure/liability, and punitive damages. I make that very clear to them and make it explicit that if we are to negotiate at all, negotiations will be atypical.
A big part of the fees would also include negotiations, and I would want to do that myself. Lawyers are very direct and fact oriented, but they are not really open. I want to be as open and honest as possible, so I definitely not want someone speaking on my behalf.
Have you filed a lawsuit against MetLife?
No. I have sent them a demand letter (see fax #3) which is required in California before a lawsuit is filed. I would like to see how the California Department of Insurance handles this situation before I need to take further action.
Has MetLife called you yet as requested in your faxes?
Not until 08/10/09, 1pm Pacific
This phone call was solely another misleading, dishonest, fraudulent attempt to avoid guilt and payment (See fax #4).
The fraud the MetLife has committed is egregious and intentional. I want to address this and take care of it immediately.
Aren't you worried about MetLife knowing your gameplan?
In negotiations, lawyers and business man don't mention their desires and a lot of other key details because the other side can leverage that information against them.
I am only concerned about being open and honest.
Being misleading and dishonest like MetLife, will indefinitely drag on this process and allow them to not pay.
Crimes Committed
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What Crimes have MetLife Committed?
Crimes that MetLife has Made and Concealed:
- No Payments of benefit on MetLife's part for disability insurance based on Income
- Overstatement of California State disability payments per week, or per seven days
- Understatement of Bi-weekly Income
- Providing False calculation to client over phone to explain zero insurance benefits based on income.
- After client reported errors, senior case managers did not admit to any mistakes after detailed review.
- Required documentation to proceed when documentation did not exist.
- Initially, MetLife denied long-term disability insurance claim that met all eligibility requirements.
- Not following client's request to respond in writing and calling client on 7/30/09 with lawyer-type man
- Not calling client after client sent three faxes on 07/31/09 that clearly explained and specified errors and crimes committed by MetLife asking MetLife to call him ASAP.
Contact Information Section
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What is your contact information?
Email
TheUnusualGenius@gmail.com
Address:
Near Los Angeles
Unusual Genius
1042 N. Mountain Ave. #B 550
Upland, CA 91786
If you need to reach me by phone, send me an email with the following:
- Scanned Copy of Business Card
- Reason You Need to Speak to Me on the Phone and Cannot Communicate Via Email
- Call Back Phone # and Time You Wish to be Called Back
- Name
- Address
- Place of Employment
- Employment Position Title
MetLife UnderPayment
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How much does MetLife Owe You
MetLife owes me $7,960 + 2.00% interest + Emotional Damages + Compensation for being Defrauded
Here's the breakdown of the $7,960:
$1,020 (First 3 months) + $2,960 (Fourth Month) + $3,980 (Expected % MetLife would independently fix errors multiplied by Potential Loss)
MetLife Committed Fraud in Multiple Ways. One significant way, was by mixing up the units and taking advantage of similar diction with different meanings, which resulting in drastically understating my biweekly income and drastically overstating California Disability payments.
Based on my income, MetLife underpaid me a total of $3,980, or can also be said as MetLife paid me 0% of what I was actually owed.
However, in actually it's only fair to take into consider opportunity cost and the (expected % of MetLife fixing these errors without me ever notifying them multiplied by the potential loss).
Not taking into consideration Present Value, since this was fraud and MetLife would not have fixed this on their own, there is a 100% chance that I would have lost $3,980 (potential loss), MetLife owes me a minimum of $3,980 + $3,980 = $7,960. $7,960 does not include any interest and does not include any compensation for being defrauded or emotional damages.
Below is a detailed explanation of how MetLife defrauded me.
MetLife did this by doing the following:
- Underpaid $3,840 based on Understated my 66.66% income/actual day of work by $48
- Overstated California disability payments /weekday
- MetLife Deducted almost an entire month of California Disability payments that were never received
Actual Mathematical calculations are detailed below:
MetLife said that my Biweekly was $2,114.
This is how MetLife got this figure (which is completely wrong):
$50,750 divided by 24 (weeks in a year) = $1,409/week
MetLife commits fraud in that they make intentional miscalculations that take advantage of common diction:
What they were really saying was that my I was earning:
$1,409/week divided by 7/days per week = $100/day
$100/work day
The above calculation is completely wrong is multiple ways.
MetLife was supposed to calculate my rate of pay per actual actual days worked which would require taking into consideration:
- # of working days
- # paid vacation days
- # of paid observed holidays
To calculate biweekly income, they did this (which is completely wrong):
$2,114/week divided 7 days/week = $151/work day
MetLife divides by 7 days/week instead of 5 working days/week.
Here is the correct calculations:
I was actually earning:
/business day
MetLife understated my earnings by:
/business day
Here's the actual calculation of my biweekly income:
261 (working days) minus 23 (paid observed vacation days-I actually got this amount per year) minus 10 (paid observed holidays per year)=
228 actual working days
Annual Salary is $50,750, and %66.66 of income is $33,833
$33,833/228 actual working days
Rate of Pay is:
$148/actual working days
Biweekly pay is equal to:
$148 x 10 working days = $1,484
$148 (correct 66.66% income/actual day work) - ($100 MetLife calculation) = $48 underpayment/weekday during long-term disability
Long-term Disability lasted for 4 months, and 4 months have 80 weekdays of payments, so MetLife made a total underpayment based on 66.66% income of:
$3,840
Here's how MetLife overstated California Disability Payments:
California documentation confirmation that I received $917 per week (7 days) or:
$131/week day
MetLife fraudulently overstated California payments by saying that I received $917 per 5 days, saying that I received from California:
$183/week day
Therefore, MetLife intentionally overstated my California receipt of payments by:
$52/week day
MetLife overstated California Disability payments for the first three months, and for the last three months deducted overstated California Disability payments that were never paid out. So here's how there fraud caused them to overstate California payments:
Taking into consideration that MetLife overstated California payments for three months:
$52/week day x 80 day = $4,160
4th Month:
$183*30 (days in a month) = $5,490
A total California Disability Payments Overstatement of:
$9,650
From these calculations, MetLife said and still says that they owe me nothing for purchasing a 66.66% income long-term disability insurance policy.
This is how they should have done the calculation:
Long-term Disability = 4 months = 80 week days = 80 days of pay
So, MetLife has fraudulently missed 80 days of insurance benefit payout. And here's the correct calculation:
MetLife underpaid the following for the first three months:
$148 (66.66% Income/work day) minus $131 (California Disability Payments/work day) = $17 (owed MetLife payment/work day
$17/work day*60 week days = $1,020
Total Underpayment for First Three Months is:
$1,020
Underpayment in 4th month
20 (week days) * ($148/66.66% income per work day - $0 (California Disability Payment Received/week day)) =
$2,960
4th Month Total Underpayment is:
$2,960
Total Underpayment over four months is:
$3,980
What are the names of the three MetLife employees that are involved in the scandal?
I don't think that I can currently release their names for legal reasons.
What are you most worried about?
MetLife would most likely sue me back in order to indirectly say to the public that MetLife is being falsely accused. And their reason for suing would be defamation--that I would be ruining their reputation by falsely accusing them of a crime.
When did this scandal begin?
February 2007
How do you expect this to end?
I don't know how it will end up. I'm being open and honest, so I hope that it will end up okay.
Headings for Search Engine Visibility
Multiple senior case managers Commit Scandal and Multiple Accounts of Fraud at MetLife Disability- An Egregious Crime Committed Against a Unusual Genius who Treats Situation in an Untraditional Way
MetLife Disability Fraud Scandal Started February 2007 and is Currently in Progress
Crimes are Detailed & Documented by the Unusual Genius who was the unlikely victim. The genius Details and Explains Events and His Actions and the fraud committed.
MetLife pays out no insurance benefits based on his income and intentionally covers up significant calculations errors when he reports them.
MetLife changes senior case managers who overlook simple mistakes and do not fix error when reported. Senior employee requests specific California disability insurance payment documentation required to fix error, and the documentation does not exist.
Initially, MetLife senior case manager fraudulently denies long-term disability insurance claims that meet all requirements. Unusual Genius answers questions regarding MetLife Disability Insurance Scandal in the Frequently Asked Questions section of his website. His email is TheUnusualGenius@gmail.com
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Copyright August 2009 by TheUnusualGenius@gmail.com