Seek Justice

In 2008 Federal Judge Bryant wrote I more than sufficiently alleged fraud against MetLife. Evidence below proves the FBI and DOJ refuse to stop deadly crimes that Obama campaign contributors from MetLife are committing by ignoring medical conditions of sick and dying patients. (Case quotes seen below include one Federal Judge writing “MetLife and its henchmen” because MetLife also flagrantly endangers Psychological patients in their attempts to deny claims) The same Obama contributors paid millions to rig bids on large group sales of these same types of policies !! No one was prosecuted by the DOJ !!

You’ll see MetLife lied in the bid rigging agreement and then violated it repeatedly and lied in writing in many court cases including mine! The DOL and DOJ’s responses to my letters that are evidenced below prove they know before and after the bid rigging agreement was signed the Federal Judges quotes seen below prove MetLife endangered many lives by :

(1) Training their claims specialists to ignore specific types of evidence as confirmed by U.S. District Judge Robert Sweet and quotes from four more Federal Judges in different regions of the U.S. linked below.
(2) Concealing medical records from the doctors they pay to independently review claims as confirmed by quotes from the Honorable Panel of Judges from the 6th Circuit Court of Appeals and quotes from six more Federal Judges in cases around the nation!
(3) Judges quotes seen later also prove MetLife and the doctors they pay:
(A) Ignored MRI’s that showed patient Jacquelyn Addiss’s Multiple Sclerosis brain lesions
(B) They ignored x-rays that showed new mother Joanne Vick broke her foot in five places due to a potentially fatal condition she developed after child birth
(C) They ignored multiple heart attacks of patient Alan Wright and continued ignoring them after Mr. Wright’s treating physician wrote a letter to MetLife saying : “I am gravely disturbed by your misrepresentation of the facts”
(D) You’ll see multiple Federal Judges wrote quotes like this : “The denials continued to press factual inaccuracies even after being informed of the errors.”
(E) MetLife and their attorneys lied repeatedly in court filings in multiple patients’ cases (including mine) before and after the bid rigging agreement was signed as evidenced below!
(F) MetLife has committed multiple complex crimes for many years even though the bid rigging agreement said they will commit no crimes whatsoever for two years and must have a higher standard of conduct ! No one was prosecuted for rigging the bids because MetLife agreed to that and much more and they were already required to follow strict fiduciary laws and act with care, skill diligence and prudence solely for the participants as seen five paragraphs below. (Exact quotes seen later)
They cannot be sued for punitive damages because they agree to those laws. The DOJ, DOL and IRS are the only ones who can make MetLife and the other insurance companies help the patients whose lives they damaged and destroyed but the DOJ, DOL and IRS are protecting these heinous crimes as confirmed by a law Professor’s quotes shortly below !!!!
MetLife endangers psychological patients so severely U.S. District Judge Richard Enslen wrote:

“MetLife and its henchmen should appreciate that such conduct may itself precipitate the suicide death of a person who has placed implicit trust in their organization to foster mental health. “This record is an open indictment of MetLife’s practices and treatment of the mentally-ill.”

(Quote from Case 4:05-cv-00074-RAE Document 55 Filed 06/30/2006 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION, Case No. 4:05-CV-74)
After the quotes from other cases you’ll see how my primary care physician referred me to a psychologist when I almost passed out twice due to the stress of having five doctors paid by MetLife (and many MetLife claims specialists) ignore my doctor’s diagnosis for 13 years during all the required appeals and legal proceedings. Here are very brief quotes from the letter my Psychologist wrote to MetLife Senior management and Assistant Secretary of Labor Ms. Borzi :

“Based on written communications from his managers, friends, and coworkers, I have concluded Mr. Schmittou was an effective, organized, and well-liked National Field Manager prior to the rapid onset of his visual problems. It is my impression that three medical doctors paid by Metlife appeared to have ignored medical evidence. For example, Metlife’s paid consultant, Dr. Yanik, “evaluated” Mr. Schmittou without ever having seen him or his medical record from 2004 through 2008. In treatment, I have observed that the impact of such actions by MetLife has resulted in exacerbation of Mr. Schmittou’s psychological symptoms and periods of significant destabilization”. 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.”

“His intense emotional misery is a daily struggle. His concentration and sleep are impaired. I think he struggles to express the fullness of his distress”.

The timeline evidenced in Judge Trauger’s quotes seen later prove MetLife engaged in “willfull blindness” and “conspicuously omitted” my surgeon’s diagnosis in the denial letter that MetLife wrote twenty days after the bid rigging agreement was signed and multiple times in the years ahead after they received my Psychologists letters addressed to their Senior Management.

(To avoid redundancy I’ll wait until later to show you how two Ophthalmologists paid by MetLife read my Psychologists report and they made profound comments about it in their reports that were sent to my treating physicians, but then MetLife’s eye specialists completely omitted my surgeon’s eye cancer surgeons diagnosis, and they did this after the bid rigging agreement and for years to come !!!! You’ll see the DOL’s top management in Washington new this and did nothing except write “we have taken the information under advisement.”

(I can provide quotes from more psychological cases)

Four law Professors quotes prove these crimes are openly committed.

Professor Joseph Belth from Indiana University wrote :

“They’ve turned Erisa on its head. It was supposed to protect employees, and it’s being used to protect insurers.”

John Marshall Law School Professor Mark Debofsky wrote:

“empirical evidence is now available that shows insurers operating under ERISA have systematically engaged in the wrongful denial of claims. Cases of abusive benefit denials involving other disability insurers abound.”

(ERISA is the U.S. Title 29 Employee Retirement Income Security Act which regulates employee benefit health plans of all the 150 million Americans who work for private businesses and corporations in America)

Carleton Universities Professor Aaron Doyle wrote :

“What those numbers don’t measure is the trauma survivors like Jane Pierce face when wrongfully denied. Most survivors don’t have the stamina and knowledge to file a lawsuit”

“The most important federal insurance regulation of the past generation is ERISA,” says Tom Baker, deputy dean of the University of Pennsylvania Law School in Philadelphia. If ever a law backfired for the public, ERISA is the perfect example.”

The insurance companies are creating Hell on earth because they know they cannot be sued for punitive damages because they have agreed to the very high fiduciary standards including U.S. Title 29 1104 which 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”

You’ll see more laws that require them to have “administrative processes and safeguards to verify that benefit claim determinations are made in accordance with governing plan documents” and they can do nothing that “unduly inhibits or hampers the initiation or processing of claims for benefits.”

Please never forget the insurance companies cannot be sued for punitive damages because they agree to that and much more. I have extensive evidence of multiple insurance companies engaging in identical complex crimes and rigging bids in five types of insurance !!!!

This quote from the bid rigging agreement shows it required MetLife to have even higher standards than the fiduciary duties seen above including:

“It is understood that, for the two year terms of the agreement, MetLife shall commit no crimes whatsoever. MetLife shall continue to maintain and strengthen its internal standards and procedures consistent with Appendix B.”

(Later you’ll see Appendix B proves MetLife also lied in the actual bid rigging agreement by saying they follow an internal code that requires all employees to comply with all laws, rules, and regulations and requires MetLife employees to report any illegal or unethical conduct and provides several methods to do so.

Senator Marsha Blackburn is now on the Senate Judiciary Committee which oversees the DOJ and FBI. Congressman Mark Green is now on the House Oversight Committee. That Committee also has the authority to take action on the DOL and DOJ’s refusal to do anything about this irrefutable evidence.
I’ve given Congressman Green evidence that proves the exact same complex crimes like you’re about to see are being committed by multiple separate national insurance companies in five types of health related insurance including workers comp, HMO’s, Long Term Care, Disability, Medical Insurance for Inured War Zone Contractors, and Life insurance !!!!

Here are very brief examples of the quotes I have from numerous Federal Judges that prove MetLife endangers patients during the years it takes the patients to get through the mandatory claims procedures and appeals before they are allowed to file a lawsuit :

U.S. District Judge Nancy Gertner won the Thurgood Marshall Award of the American Bar Association. Here are quotes Judge Gertner wrote about Metlife:

“It misquoted Whitehouse’s doctors and cherry-picked or took out of context statements made. The denials continued to press factual inaccuracies even after being informed of the errors.” “Perhaps most egregious of all, it misquotes Dr. Bhan as stating that Whitehouse “was able to function” when, in fact, he said “she was not able to function.”

(Case number No. 08cv11764-NG nov5th09)
In Wright Verses MetLife U.S. Magistrate Judge Jennifer Guerm wrote this when MetLife and the doctor they paid ignored multiple heart attacks :

“MetLife relied on clearly erroneous findings of fact in making its benefit determination. MetLife’s review of Plaintiff’s appeal consistently omitted or misrepresented relevant information in several ways.” On October 18, 2004, Dr. Barnett wrote a letter to MetLife stating: “I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition.”

(Quoted from The United States District Court for the District of Arizona CV-05-604-TUC-CKJ (JCG) REPORT & RECOMMENDATION Document 78 Filed 09/17/2008 Page 7)

Fraud Pattern 1
Six Cases Prove MetLife’s Complex Fraud In Concealing Medical Records From Their Medical Consultants Who Review and Deny Claims !
The following quotes were written by the Honorable Judges from the 6th Circuit in the case of Wanda Glenn verses Metlife, (Case Number 05-3918)

“This inappropriately selective consideration of Glenn’s medical record was compounded by the fact that the occupational skills analyst and the independent medical consultant were apparently not provided with full information from Dr. Patel on which to base their conclusions.”

In my case and many of the cases quoted in this summary MetLife also withheld information from the doctors they paid to evaluate claims. Here’s one of many similar quotes from U.S. District Judge Trauger in my case :

“It was inexcusable for MetLife not to present Dr. Wallace’s observations to its retained ophthalmologists Dr. Weber and Dr. Goetz.”

The doctor’s paid by MetLife never see the patient and never speak to the patient and that’s one reason why it’s so devastating for MetLife to withhold medical records from their consultants.

I have overwhelming evidence that proves multiple insurance companies are doing this exact same thing in five types of insurance and many lives and families have been and will be destroyed !

Fraud Pattern 2

MetLife also trains agents to ignore evidence in multiple cases !!

U.S. District Judge Robert Sweet wrote :

“the appeals specialist assigned to decide Solomon’s appeal stated that she had been trained by MetLife to disregard SSA decisions”

As seen at the website linked below Four More Federal Judges Write MetLife Ignores SSA Judge’s Profound Determinations‏

Quotes from all of those case are seen at :

elevencasesprovefraudpattern.blogspot.com

(You will need to type that in your address bar because I’m not providing the hyper link here because in online versions of this summary the hyper link takes priority and distracts from all the important information you’ve seen up to now.)
That’s a small portion of the quotes from many cases I compiled. I have case numbers and docket numbers for all of the quotes !!!!

I’m putting some of the most stunning quotes from other cases in an Addendum at the end of this evidence so we can continue with a timeline :

My case proves the patient can be at great risk of dying during the years of claims procedures and appeals that are required before the policy allows them to file a lawsuit !!!!

In 2013 Honorable Judge Trauger wrote : “Schmittou has engaged in a commendable effort to prosecute his claims on his own behalf. His efforts have now caused the court to remand his case twice for further proceedings.”

I had to represent myself (in a desperate attempt to survive) because MetLife concealed so many documents from me including claims denials as confirmed by the Court. By the time I was aware that my claim was denied all the attorneys I spoke with said there was not enough time for them to file the claim before the Statute of Limitations expired.

While I was having additional surgeries I represented myself in a desperate attempt to survive. There were also extended periods of time that I had no money for medical treatment and MetLife was very aware of this because of filings I made with the Court.

Because of the concealed documents that MetLife revealed after I filed the lawsuit I basically had to start over again and file many documents while I was having more surgeries !!!!

You’ll see Judges quotes from my case in context below that proves MetLife lied in the bid rigging agreement and violated it immediately after it was signed, and the quotes from the DOL’s Director of Participant Response proves they knew and did nothing !!!!

(I have very serious vision and health problems so please excuse any brief redundancies below)

Bid Rigging And Violation of the DOJ Agreement

While MetLife gave huge contributions to the Obama presidential campaign they also paid millions to illegally rig bids to win large group contacts of the exact same types of policies mentioned in the case quotes. MetLife Executive Vice President James Lipscomb gave Obama $30,000 for his after victory party. One year later he signed the bid rigging Non Prosecution agreement for MetLife. The law firm Debevoise & Plimpton LLP represented MetLife and they also signed the bid rigging agreement. They gave Obama hundreds of thousands of dollars in contributions. MetLife even admitted related fraudulent conduct but no one was prosecuted because MetLife agreed that “MetLife shall commit no crimes whatsoever” and MetLife will “comply with all laws, rules, and regulations affecting MetLife’s business and its conduct in business affairs”

When I presented the judges quotes from numerous cases and asserted MetLife was still endangering lives and violated the bid rigging agreement Obama’s DOJ, FBI and DOL refused to take action. (You’ll see quotes from their letters to me below) They continued blocking justice after U.S. District Judge Trauger’s quote about the denial letter that MetLife wrote in my case proves they violated the agreement 20 days after they signed it. Here’s Judge Trauger’s quote about MetLife ignoring my eye cancer surgeons diagnosis :

“MetLife conspicuously omitted Dr. Wallace’s diagnoses of eye movements and nystagmus in the left eye, as well as his statements that the right eye blindness combined with the left eye nystagmus would likely impact Schmittou’s daily life and ability to work. MetLife’s denial also made no mention of Dr. Lavin’s observations.” “It was inexcusable for MetLife not to present Dr. Wallace’s observations to its retained ophthalmologists Dr. Weber and Dr. Goetz.”
Judge Trauger specifically wrote that about MetLife’s denial letter that was dated 20 days after they signed the bid rigging agreement ! It’s very clear that MetLife immediately and repeatedly violated that agreement that also said :

Appendix B says:

“MetLife has adopted a Code of Business Conduct and Ethics. The Code requires all MetLife employees to comply with all laws, rules, and regulations affecting MetLife’s business and its conduct in business affairs. The Code requires MetLife employees to report any illegal or unethical conduct and provides several methods to do so.”

The record proves a total of five MetLife consultant Ophthalmologists and claims specialists ignored Dr. Wallace and Dr. Lavin’s diagnosis in 2010 and 2011 which was immediately before and after the bid rigging agreement was signed. The record proves there were many more violations in my claim and other patients claims after the bid rigging agreement was signed/ This includes MetLife’s attorneys lying in Court multiple times in my claim as you’ll see after this : Multiple Judges wrote that private law firms paid by MetLife lie in court if the patient lives long enough to get to Court. Here are two examples :
In the case of Jagielski v. MetLife U.S. District Judge Arthur J. Schwab wrote :

“In light of counsel for MetLife’s repeated and flagrant obfuscation, smoke screens and “clever” couching of its statements of fact, it is ironic, to say the very least, that MetLife’s opposition to plaintiff’s motion for summary judgment accuses plaintiff repeatedly of “lack of candor and attempts to mislead the Court.”

In the case of Illiena Volynskaya U.S. District Judge Susan Illston wrote about “other cases in which MetLife has played with the facts.”
In a minute you’ll see how MetLife lied in writing to the Court multiple times in my claim after seeing the following and knowing there were times I had no money for surgery or medical treatment.

(Please quickly scan the next two paragraphs that you saw earlier)
My primary care physician referred me to a psychologist when I almost passed out twice due to the stress of having five doctors paid by MetLife (and many MetLife claims specialists) ignore my doctor’s diagnosis for 13 years during all the required appeals and legal proceedings. Here are brief quotes from a letter my Psychologist wrote to MetLife Senior management and Assistant Secretary of Labor Ms. Borzi :

“His intense emotional misery is a daily struggle. His concentration and sleep are impaired. I think he struggles to express the fullness of his distress”.

The timeline evidenced in Judge Trauger’s quotes prove MetLife engaged in “willfull blindness” and “conspicuously omitted” my surgeon’s diagnosis multiple times in the years ahead after they received my Psychologists letters addressed to their Senior Management.

My Psychologist’s letter and stunning quotes from many more judges than what you are seeing now was submitted to the Department of Labor Assistant Secretary Ms. Borzi. After they received that the DOL Director of Participant Response Ms. Sharon Watson sent a letter to me from Washington saying:

“Please be assured that EBSA’s top priority is to protect the benefits of participants and to make sure that providers of those benefits obey the law”

Ms. Watson sent another letter from Washington saying :

“As we previously indicated, we take the allegations you have made that MetLife has engaged in a pattern of fraudulent activities regarding your claim and other participants’ claims very seriously and have taken the information under advisement.”

They did absolutely nothing !!!! Obama’s DOL, DOJ and FBI know the record proves a MetLife claims specialist and two MetLife consultant Ophthalmologist eye specialists read my Psychologists letters about the dangers that MetLife’s doctors willfully ignoring medical evidence was causing me.

Then MetLife’s eye specialists all wrote reports with profound comments about my psychological condition on the first page but they omitted the fact that my Psychologist indicated that MetLife caused these problems. They sent their reports to my treating eye doctors and told them I’m bipolar on the cover page.

In these same reports MetLife’s Ophthalmologists all ignored the exact same medical evidence where my eye cancer surgeon Dr. Trent Wallace wrote profound quotes about my right and left eye problems. MetLife’s eye doctors did not discuss my bloody falls and accidents and many more important factors seen in my medical records.

They did all of this during the two years after the bid rigging agreement that required they commit no crimes whatsoever and required a heightened standard of conduct.

Please remember before they rigged the bids they were already required to act with “care, skill, diligence and prudence solely for the participant” as required by U.S. title 29 1104. Because they agree to that they cannot be sued for punitive damages.
THE DOL ABSOLUTELY KNEW METLIFE WAS VIOLATING THE BID RIGGING AGREEMENT WHEN THE DOL SENT ME THOSE LETTERS. !!!!

These are RICO crimes because multiple entities are involved (MetLife and their consultants), many claimants are being endangered and damaged by these crimes, and mail and wire fraud are being used plus there is bribery and kickbacks involved in rigging bids to increase sales of these policies.

Dr. Weber, Dr. Osbahr and Dr. Yanik all work for a company called Network Medical Review. That company receives millions of dollars from MetLife for having their physician write reports that MetLife uses to deny claims.

These three doctors never saw me and never spoke with me and they all ignored the exact same medical evidence in reports written in different years and/or failed to correct errors in statements about the medical evidence even though they were informed of the errors in my case.

You’ll see this occurred before, during and after MetLife signed the bid rigging agreement that said “MetLife shall commit no crimes whatsoever, MetLife shall continue to maintain and strengthen its internal standards”

Ophthalmologist Dr. Goetz works for a company called MES. In his report that MetLife used to deny my claim he did the same fraudulent things that the Network Medical Review doctors did !! The bid rigging agreement (seen earlier) was violated by these crimes in addition to ERISA fraudulent restraint and every fiduciary law being violated repeatedly, and then MetLife openly lies in this Court to try to cover up all of this !!

This and much more is a regular occurrence with MetLife as evidenced by the quotes you saw earlier where U.S. District Judge Nancy Gertner wrote “The denials continued to press factual inaccuracies even after being informed of the errors.”

I have similar quotes from around fifty cases that I sent to the DOJ and DOL. This occurred before and after the bid rigging agreement and the DOL and DOJ have this evidence !!!!

Proof MetLife Lied In Writing to the Court in my case

Introduction (40 words)

Earlier you saw how one Federal Judge wrote about “other cases in which MetLife has played with the facts.”

And another Federal Judge wrote about “MetLife’s repeated and flagrant obfuscation, smoke screens and “clever” couching of its statements of fact.”

Here are quotes from my case (Docket No. 219). MetLife did not respond to deny these lies. Here are the exact quotes:

Lie 1 – MetLife wrote this obvious lie about their paid Consultant Dr. Weber on page 19 of their Response filed in this Court on 1/11/13 :

“Indeed, Dr. Weber’s report discusses plaintiff’s treatment history and symptoms expressed to his treating Physicians (including his double vision and purported falls)”

** DR. WEBER’S REPORT DOES NOT HAVE ONE WORD ABOUT THE EXTENSIVE DOCUMENTATION OF MY BLOODY FALLS AND ACCIDENTS YOU’LL SEE LATER !!

(Weber’s report is AR 1221-1227)

Lie 2 – Later you’ll see MetLife lied again and said all the other consultants and agents considered my falls and accidents !! The record shows they did not !!!!)

Lie 3 – On 1/11/13 MetLife wrote the SSA decision was “discussed at length by Dr. Weber in his report”.

There is not one word about the SSA decision in Weber’s report !!

MetLife’s attorneys repeatedly lied in writing to the Court in my case for many years after seeing this quote that I filed in Court :

“the Plaintiff who has had cancer removed from his eye and leg and over 200 biopsies plus stitches in 100 places has no money for follow up treatment.”

I also have many more examples of Judges quotes that prove MetLife concealed documents in my personal claim and violated many other laws repeatedly and ignored my claim for six years while knowing I often had no money for surgery or medical treatment !!!!

The 29 U.S.C. 1141 fraudulent restraint law 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.”

18 U.S.C. 1001 mandates it is fraud if anyone knowingly and willfully:
(1) falsifies, conceals, or covers up by any trick, scheme, or device a material fact;
(2) makes any materially false, fictitious, or fraudulent statement or representation
MetLife is required to agree to the following duties in order for the U.S. Government to allow them to sell ERISA policies. Even if they cause the death of a claimant MetLife cannot be sued for punitive damages because they have agreed to follow these guidelines:

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”

“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)”

“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)

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

MetLife has willfully violated all of those laws and the bid rigging agreement simultaneously and repeatedly while knowing they were placing many lives in danger !

MetLife’s CEO Forwarded My Evidence !!!! When I figured out MetLife’s CEO’s email by using multiple variations of his name and initials the record in my case shows he forwarded my emails with the judges quotes but MetLife did nothing to stop these dangerous crimes and they sent me a letter saying they had not done anything wrong !!!!

Example : Six months after the bid rigging agreement was signed MetLife’s CEO Robert Henrickson forwarded my email that had this title : “CEO Henrickson, What Action Has Been Taken Regarding the Judges Quotes That Prove MetLife Ignores Symptoms”
In MetLife’s Administrative Record in my claim (page 818) the address section of the email forwarded by the CEO says:

From : Robert Henrickson/Ins/MetLife/US on 10/25/2010 2:05 PM

Urgent – CEO Henrikson’s forward of the Judges quotes was on 10/25/2010. That was six months after MetLife signed the bid rigging agreement saying for the next two years they will “commit no crimes whatsoever” and all MetLife employees will “comply with all laws rules and regulations affecting MetLife’s business and its conduct in business affairs.”

Two of MetLife’s claims specialist who engaged in many fraudulent actions in my claim received promotions. After MetLife finally paid my claim in 2015 the person who manages the claim now is Larry Rocco. The record proves he ignored four years of medical records when he denied my claim in 2008 which caused me tremendous personal problems during the time of my fathers extended illness and death.

I told MetLife I have an intense dislike for Rocco because his fraudulent actions were a huge distraction during the time my sister and I were struggling to help my father as he was dying. I asked MetLife to take Rocco off of my claim and they refused. Because of my attempts to resolve Rocco and MetLife’s Dr. Yanik’s 2008 reports (which ignored my eye cancer surgeons diagnosis) my eye cancer surgeon will only talk with me through his attorney now !!!!!!!! (Please remember MetLife and their consultants ignored that diagnosis again in 2010 and 2012)

I called MetLife December 12th, 2018 and went through their prompt system and entered my social security number and pressed zero and the voice said they will forward me to the person handling my claim. The voice on the answering machine message was Larry Rocco. I’ve received letters signed by him but this is the first time I’ve called because I was concerned I would scream at him on the phone because of the problems he caused me that distracted me from being one hundred percent in helping my father when he was passing away. He had a very difficult passing.

The record proves from 2002 until 2013 a total of nine MetLife specialists and physician consultants paid by MetLife including Larry Rocco completely ignored my doctor’s diagnosis of metamorphopsia distortions caused by my eye cancer . This condition is so serious the Retina Vitreous Center of New Brunswick New Jersey wrote :“A retinal specialist should evaluate new onset metamorphopsia as soon as possible”.

Here is their definition : “Very often, the earliest symptom produced by these conditions is a distortion of the vision, rather than visual loss. For example, a telephone pole might look curved or bowed rather than straight.

Obama and the AG he appointed refuse to take action after receiving all this evidence multiple times via certified mailings to the White House, court documents, and personal visits to the FBI and U.S. Attorney’s office !!

They are very aware many patients can die during the years it takes their claim to be resolved by the Courts !!

Obama was responsible for managing the actions of his appointees and correcting their failures !! I’m certain he’s aware of the evidence I’ve presented so many times !!

MetLife cannot be sued for punitive damages because they agreed to the fiduciary duties that they violate repeatedly, but the DOL, DOJ, and IRS could get restitution from MetLife as part of an agreement they make with MetLife regarding all the violations you’ve just seen. I have numerous reasons that statutes of limitations do not apply including MetLife is still denying that they did anything wrong and they have persons who committed felonies who have been promoted, and they made them the contact person for the victims of the felonies that they committed !!!! They recently refused to acknowledge their felonies and pay the huge amount of taxes that I was assessed because they paid 14 years of benefits in one lump sum which put me in the highest tax bracket. If they had paid the benefits yearly I would have only owed around $300 in taxes yearly !!!! I have more reasons the statutes of limitation don’t apply !

Here is the link to the document that said MetLife cooperated in uncovering “related fraudulent conduct”
http://www.fbi.gov/sandiego/press-releases/2010/sd041510.htm

Here are quotes from that page that are flagrantly false as proven by the evidence you’ve just seen :

FBI Special Agent in Charge Keith Slotter commented, “Full disclosure in business is essential to the integrity of the American financial system. Companies who do not adhere to open and ethical practices will face similar consequences.”

“The signed Agreement between the U.S. Attorney’s Office and MetLife is an exceptional example of how federal law enforcement agencies continue to work together to protect policy holders,” said Leslie P. DeMarco, Special Agent in Charge, IRS-Criminal Investigation, Los Angeles Field Office. “The $13,500,000 payment from MetLife will be used to further support law enforcement efforts in a number of areas, including insurance fraud. IRS-Criminal Investigation will be aggressive in supporting any joint effort directed at halting criminal activity that weakens the integrity of our insurance industry and ensure that tighter compliance controls are mandated.”

Bullet point four of this quote from the FBI Press release shows MetLife compensated the policy holders who were affected by the bid rigging :

“The U.S. Attorney’s Office in the Southern District of California agreed to a negotiated settlement of this matter based, in part, on MetLife’s: (1) timely, voluntary and complete disclosure of the underlying conduct; (2) cooperation with the DOL, IRS, FBI, and U.S. Postal Inspection Service (USPIS) in uncovering related fraudulent conduct; (3) substantial and continuing remedial efforts, including the company’s agreement to maintain a set of internal controls, including comprehensive compliance standards and procedures; and (4) MetLife’s previous payments to its policy holders.
The DOJ, FBI. DOL and IRS have the power to make MetLife compensate victims just like they compensated persons whose policy price was affected by the bid rigging and just like they got 15 million in fines from MetLife for rigging the bids.
I hope and pray that Senator Blackburn and Congressman Green will seek comprehensive action to cause the DOJ, DOL and IRS to stop MetLife from continuing their crimes and provide restitution for those who were damaged or killed by MetLife’s crimes.
MetLife has committed numerous felonies against me for 17 years and their crimes and distractions caused me great hardship in not being 100 percent to help my parents during their extended illnesses and deaths. To make up for this I would like MetLife to pay punitive damages and put a large sum of money in a trust that I can use to give 100 percent to charities that help people who are suffering and I would also like to use some to help animal shelters that are hanging on by a thread. The suffering htey caused me to experience for 17 years (2001 until now) has caused me to be hyper vigilant to try to alleviate the suffering of others.

I would also like them to compensate me for stealing 17 years of my life and burning a hole so deep in my soul only God can help me.

The IRS took part in MetLife’s bid rigging agreement as seen in this quote from IRS-Criminal Investigator Leslie P. DeMarco, Special Agent in Charge, Los Angeles Field Office :

“The signed Agreement between the U.S. Attorney’s Office and MetLife is an exceptional example of how federal law enforcement agencies continue to work together to protect policy holders.”

Under the Obama administration there were many patients who were not protected and now the FBI and DOJ are spending so much time investigating every small detail of President Trump and his administration they exhibit very little effort on anything else ! MetLife burned a hole in my soul that only God has been able to fill. I’m thankful that God has help me up though these many years of MetLife doing everything they could to destroy me and many more.

25 Percent Of My Benefit Lost To Taxes Because Of Metlife’s Fraudsand The IRS Will Not Respond !

Because of MetLife’s crimes in my claim I lost $38,000 of my benefit to taxes because the lump sum they paid me for 14 years of benefits put me in a 28 percent tax bracket. That was 25 percent of benefit my benefit I lost because of MetLife’s fraud plus I lost 14 years of my life getting the benefit and I still have problems with MetLife today plus I have major depression and stress for all those years and still do.

I would not have been required to pay those taxes if MetLife had paid my benefit every year instead of using multiple fraudulent actions to delay the benefit in hopes that I would give up or die. I have asked the IRS repeatedly to make MetLife pay the taxes and get the Federal government to pay damages to all of the patients whose lives they endangered but I have received no response whatsoever !

They recently refused to acknowledge their felonies and pay the huge amount of taxes that I was assessed because they paid 14 years of benefits in one lump sum which put me in the highest tax bracket. I have that and more reasons the statutes of limitation don’t apply including MetLife is still denying that they did anything wrong and they have persons who committed felonies who have been promoted, and they made them the contact person for the victims of the felonies that they committed !!!!

Addendum 1

MetLife ignored their own consultant ignoring the effects of multiple heart attacks and severe pain !! You’ve seen the first two paragraphs earlier
U.S. Magistrate Judge Jennifer Guerm in Arizona wrote the following quotes in Wright Verses MetLife; Judge Guerm also provides stunning quotes from Mr. Wright’s treating physician named Dr. Barnett. Here are Judge Guerm’s quotes :

“I am gravely disturbed by your misrepresentation of the facts with regard to my discussion with your independent physician consultant and your lack of due diligence in collecting further medical information regarding Mr. Wright’s health condition. Indeed, this consultant seemed to have had a preconceived notion that stress was why the patient was out of work and that there was no cardiovascular disease contributing. I very clearly explained that this was not the case. Indeed, Mr. Wright has ongoing cardiac disease including ischemia and loss of function due to previous myocardial infarctions. Each time I expressed the belief to your consultant, she would return to the fact that she felt that stress must be the major issue that was keeping him out of work…. Furthermore, I carefully explained to your physician that Mr. Wright has nonunion of the sternum resulting in severe pain and contributing to his disability, and yet you fail to mention that at all in your note.
(end of quotes from Judge Geurm and Dr. Barnett)
Please remember that MetLife ignored their own consultant ignoring the effects of multiple myocardial infarctions (heart attacks) and severe pain caused by Mr. Wright’s sternum remaining open !!

(IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA CV-05-604-TUC-CKJ (JCG) REPORT & RECOMMENDATION Document 78 Filed 09/17/2008 Page 7 quote)

Addendum 2

MetLife’s Independent Physician Consultant Dr. Greenhood Ignores Medical Evidence In Three Claims Including Mine ! Judges Quotes Prove MetLife Concealed Greenhood’s Reports From Me And He Was Used Illegally In My Claim !
Urgent – This first case does not involve Dr. Greenhood. I’m including it because it shows how MetLife ignores MRI’s that prove a patient did not have the pre-existing condition that MetLife claimed they had.

The second case shows how MetLife and Dr. Greenhood ignore MRI’s that show a patient does have Multiple Sclerosis brain lesions !

Case 1 – Three 6th Circuit Court of Appeals Judges wrote that MetLife fabricates preexisting conditions to illegally deny Long Term Care for very sick patients. The panel of Judges’ wrote :

“MetLife supported its decision to rescind only by its cherry-picking symptoms from Conger’s medical records, and then reverse-engineering a diagnosis. Metlife ignored Conger’s multiple brain MRIs that revealed no problems”

(U.S. COURT OF APPEALS FOR THE SIXTH CIRCUIT No. 06-5009, File Name: 07a0016p.06)
** Patients and their families can be destroyed when Long Term Care is illegally denied.

This Next Case Proves MetLife also ignores MRI’s that prove patients do have brain problems !! Metlife’s Dangerous Consultant Dr. Gary Greenhood Ignores Multiple Patients Life Threatening Medical Conditions, But The DOL/DOJ Will Not Even Ask Greenhood To Stop !!

MetLife and Dr. Greenhood ignored MRI’s that show Ms. Jacquelyn Addis’s brain lesions and Multiple Sclerosis.

U.S. District Judge Honorable Timothy J. Savage wrote :

“MetLife relied almost exclusively upon the report of Dr. Gary Greenhood, an internist specializing in infectious diseases hired by MetLife, who did not examine Addis and did only a records review.”

“Dr. Greenhood selectively viewed Addis’s medical records, and MetLife then selectively adopted parts of Dr. Greenhood’s report to support denial of the claim.”

“Dr. Greenhood selectively extracted portions of Dr. Tatarian’s treatment notes to support his conclusions, which are contrary to those of Dr. Tatarian. At the same time, he ignores parts that bolster Addis’s complaints and support her doctor’s diagnosis and prognosis.”

He also ignores the MRI reports evidencing MS, November 2, 2000, and December 9, 2003. To the contrary, Dr. Tatarian documents a variety of spinal problems; and, MRIs consistently showed the presence of lesions and plaque on the brain. Dr. Greenhood ignores Dr. Tatarian’s report of a positive Babinski sign, which is indicative of nerve damage consistent with Addis’s complaints of stumbling and falling.”

“Both MetLife and Dr. Greenhood ignored the Multiple Sclerosis Medical Source Statement of Functional Abilities and Limitations completed by Dr. Ana Lavdas, one of Addis’s treating doctors. Dr. Lavdas reported that her patient’s prognosis was poor and she had significant functional limitations. Among the symptoms were pain in the lower extremities, fatigue, weakness and shaking in lower and upper extremities, poor coordination, bladder and bowel problems, blurred vision, and other physical problems. She noted that Addis had “significant and persistent disorganization of motor function in two extremities resulting in sustained disturbance of gross and dexterous movement or gait and station.” Dr. Lavdas concluded that her patient was “unable to work,” and could not sustain a job.”

“Significantly, there is no discussion of the records of Doctors Lavdas, McDonald, Gray, Files and McCarel, which he lists as having been submitted to him. Dr. Greenhood simply ignores them.”

“MetLife assigned reconsideration of Addis’s claim to Tammi Phillips, who was not a physician and whose qualifications are unknown.” “Her assessment ignores Dr. Tatarian’s unequivocal diagnosis that Addis was suffering from “relapsing, remitting MS with possible repeat exacerbation.”

“Disturbing, in light of the clear evidence to the contrary, is Phillips’s conclusion that Dr. Tatarian did not provide “any specific restrictions and limitations” that would prevent Addis from performing her own job. On the contrary, Dr. Tatarian specifically recommended that due to her unpredictable weakness, fatigue, sphincter incontinence, visual difficulties, and cognitive problems, Addis could no longer work.”
(Civil Action No. 05-357 in The United States District Court For The Eastern District Of Pennsylvania on March 30, 2006)

(2) U.S. District Judge Robert Cleland wrote that Metlife and their paid consultant Dr. Greenhood ignored a foot that Ms. Joanne Vick broke in 5 Places after she developed diabetic kytoacedosis following childbirth.

Here are two exact quotes Judge Cleland wrote in this case :

“Noticeably missing from Dr. Greenhood’s report is any mention of Dr. Al-Kassab’s November, 2001 office notes, Dr. Churchill’s November 13, 2001 office notes, and Dr. Churchill’s March 14, 2002 office notes. This is particularly significant in that Dr. Greenhood’s August 2, 2004 report specifically noted that “[t]here is no indication of seizures or falls.” Dr. Churchill’s March 14, 2002 report, however, indicates that as a result of her right sided weakness, Plaintiff broke her left foot in January 2002–in five places, no less.”

“Moreover, both Dr. Greenhood’s and Dr. Gosline’s reports contained numerous errors and inherent inconsistencies, which should have been noted by the plan administrator and resulted in less weight being given to them. (E.D. Michigan, Southern Division. No. 03-CV-73124-DT
(end of quotes)

(Mayo clinic wrote : Diabetic ketoacidosis can lead to loss of consciousness. Eventually, diabetic ketoacidosis can be fatal).

MetLife wrote the following in their sales brochure while at the same time they ignored the foot Joanne Vick broke in five places after giving birth :

“Learn how MetLife helped Lolet, a young, successful wife and mother, navigate a complicated pregnancy”

Here’s Dr. Greenhood again !!!!
Greenhood and MetLife ignored 99 percent of my potentially fatal eye cancer symptoms including dangerous metamorphopsia distortions, tilted torticuous image and extreme eye pain caused by both of my eyes battling to fixate!! Magistrate Judge Bryant’s quotes confirm that MetLife concealed Dr. Greenhood’s report and the claims denial and many other documents from me during the claims process !! MetLife knew that during this time my Cobra insurance eligibility expired and I often had no money for surgery, medical treatment, food or housing. MetLife meticulously filed all the concealed documents in court years later to use to their advantage during the lawsuit.
MetLife was aware that during this time my Cobra insurance eligibility expired and I often had no money for surgery, medical treatment, food or housing.

While having a huge permanent hole inside my eye from cancer surgery I had to desperately represent myself in federal Court because MetLife intentionally concealed the denial letters until their statute of limitations for filing suit was about to expire. The lawyers I contacted said I had a good case but there was not enough time for them to file. MetLife meticulously filed all the concealed documents in court to use to their advantage after the lawsuit was filed. The concealed documents required me to make many additional filings which took me over two years because of my vision !!!!
The day I filed the lawsuit my vision completely whited out for awhile because I had typed so long and I could not see anything !! I’ve had many other dangerous problems like that while typing to try to stop MetLife from destroying more lives !!
Less than one percent of cases are placed on the internet and that’s where I found all of these after having a large hole from cancer my eye and orbital surgery on the other eye. I am sure a real investigator will find a many more !!

In Exhibit A of my Motion for Judgment you’ll see how I wrote that Dr. Greenhood manipulated the specific questions MetLife asked and I wrote that Dr. Greenhood “eliminated the advisement of every adverse symptom from 2001 that has been documented in the medical records that were written by the Plaintiff’s treating physicians !!”

Addendum 3 – MetLife’s Consultant Ophthalmologist ignores four years of medical records but comments about my psychological and misquotes my letter telling MetLife their violations made me “often wish I were dead.”

U.S. District Judge Trauger wrote this on Footnote 5 of page 8 of document 224):

“MetLife consulted with Dr. Yanik, who prepared his report based on a limited “file only” review and discussions with two of Schmittou’s treating physicans. Notably, Dr. Yanik did not review any clinical records dates later than November 5, 2004, nor did he review (let alone address) Dr. Lavin’s 2004 and 2005 diagnosis of Schmittou”

While eye specialist Dr. Yanik ignored four years of eye cancer records he made very profound comments about my Psychological condition and his report was sent to every one of my treating physicians !! Dr. Yanik wrote the record he reviewed had “emotionally laden statements that not only show the despair that Mr. Schmittou has, but may also hint underlying emotional problems”.

Dr. Yanik misquoted my letter where I told MetLife “Your delays and obfuscations make me often wish I were dead”. Dr. Yanik wrote “he felt so sad at times he felt like killing himself. ” (So Yanik thought I felt like killing myself when he ignored four years of medical records !! MetLife’s claims specialist Lawrence Rocco also ignored the same four years of medical records and much more and he was promoted by MetLife !!)

Dr. Yanik wrote that he thoroughly reviewed the record which means his report willfully omitted the fact that during the months before I sent those letters I sent MetLife 11 letters requesting the status of my claims and MetLife never answered !!!! My Cobra insurance expired during the exact time I sent those letters, and my savings were depleted and I had no money for medical treatment !!!! Additionally MetLife used multiple tactics to harass my doctors by demanding their time and then ignoring the lost important things they said about my visual problems. MetLife intentionally destroyed my relationship with my treating physicians and discouraging them from responding including MetLife sending Dr. Wallace and all my treating physicians this quote from MetLife’s consultant Dr. Weber : “My impression of reading these notes is that the patient has strongly negative feelings regarding his examining physicians as well as the NMR report by Dr. Yanik” (AR 1225) That statement is a huge exaggeration of the facts and was sent to further prejudice my own doctors against me !! Because of all of this my Eye Cancer surgeon will only speak to me through his attorney !!!!

I can provide many more examples of bullet points in my case that prove multiple additional fraudulent actions of MetLife beginning in 2001 and never ending !!!!
Sincerely,
Barry Schmittou