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DE Sheridan
Lives in Auckland, New Zealand
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DE Sheridan
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Tricks of the Trade  - 
 
Tricks of the Trade - How Insurance Companies deny, delay, confuse and refuse

Insurance Company Greed - An industry putting profits over policyholders.

Too often, insurance companies refuse to pay fair and just claims to policyholders.  When they do, the only way to hold them accountable is through the civil justice system. Many insurance companies refuse to pay just claims, employ hardball tactics against policyholders, reward executives with extravagant salaries, and raise premiums while hoarding excessive profits.  At the same time, the insurance industry has enjoyed its highest yearly profits ever, all at the expense of consumers. AAJ has conducted extensive research to examine insurance company greed and how consumers can hold them accountable.

Above is an extract from the American Association for Justice website (formerly the Association of Trial Lawyers of America).

The PDF link to the full American Association for Justice report:
Tricks of the Trade - How Insurance Companies deny, delay, confuse and refuse can be found here. (It is a PDF file):

http://www.justice.org/cps/rde/xbcr/justice/InsuranceTactics.pdf
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Insurance Advocate Info for insurance consumers
This is a forum for consumers to voice concerns about the insurance industry.
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DE Sheridan
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Discussion  - 
 
Unrestricted authorization to access or use personal information invites opportunistic misuse, abuse and serious consequences when human error or malicious acts affect an individual's data and their privacy. 
- DE Sheridan
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Have them in circles
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DE Sheridan
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Discussion  - 
 
The ten worst insurance companies in America - how they raise premiums, deny claims, and refuse insurance to those who need it most.

This is another great article by the American Association for Justice (formerly the Association of Trial Lawyers of America.).

http://www.justice.org/cps/rde/xbcr/justice/TenWorstInsuranceCompanies.pdf
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DE Sheridan
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10 reasons ACC claimants do not get a fair go.

ACC (Accident Compensation Corporation of New Zealand) claimants are not getting a fair go in the current culture, which treats people as "stock" to be disposed of in order to protect the bottom line and grow profit.  This post discusses 10 reasons why ACC claimants do not get a fair go. (These may apply to a variable degree in other countries.) 

This paper discusses why these practices are very unfair. They put people who lack the resources in an almost impossible position to have to fight against a (publicly owned) multi-billion dollar corporation with  extensive legal and other resources.

Having to engage in a tribunal dispute resolution system that appears significantly skewed towards protecting ACC's interests adds further to the uneven burden some claimants also experience. 

Further injustices in the judicial processes occur owing to ACC 's information handling practices. This includes withholding data relevant to a claimant's claim (including in the judicial setting) simply on the grounds that it was written by a staff person - and is therefore deemed "personal" to the staff. (This is a preposterous excuse, and presumably data is withheld which might disclosure inappropriate actions and/or wrong-doing on a claim by staff).

A democracy should normally equate with open / transparent government. It should have processes that are fair and just to all. We think that ACC's processes and procedures warrant an independent inquiry.

http://www.truthliesdeceptioncoverups.info/2013/06/8-reasons-acc-claimants-do-not-get-fair.html
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Case Law that supports insurance clients  - 
 
Busted - The insurance industry generated myth that insurance companies have unrestricted totalitarian power over accessing and use of their client's information.

The failure of ACC's policy of forcing claimants to provide unrestricted consent in the NZ District Court is also a win for privacy advocates everywhere.

http://www.truthliesdeceptioncoverups.info/2014/04/busted-accs-policy-of-forcing-claimants.html

Two recent successful District Court Appeal (one being - NZACC 89, ACR 243/10, judgement date 4 April 2014, heard by Judge LG Powell) by ACC claimants against ACC's decision to stop entitlement because they refused to sign ACC's ACC167 authorization form - is a major victory for ACC claimants and privacy advocates everywhere - because it provides a reasonable legal precedent that insurance companies (including those run by government) do not have the right to demand unrestricted consent to collect information; nor the right to do whatever they want with it.

The ACC167 form required authorization to be given by the claimant for unspecified information to be collected, used and disclosed by ACC. If the claimant refused to give unrestricted consent because of the implications with regard to unwarranted invasion of privacy - this was used by ACC as an excuse to decline a claim or suspend entitlements.

This decision does not mean that ACC claimants can refuse to provide consent for ACC to manage the claimant's entitlement to compensation, rehabilitation and medical treatment. Insurance companies need this data. But ACC is not entitled to carte blanche access to, and use of their claimant's information. 

This has been a win for the right to privacy and a win against bullying by government agencies.



#ACC #consent #authorization #unrestrictedconsent #justice , #district court, #AccidentCompensationCorporation #ACC167 #NewZealand #insurance #disentitlement
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Tyranny Rising -Justice Denied - Escalating Closed Material Procedures in the UK

http://www.truthliesdeceptioncoverups.info/2014/04/tyranny-rising-in-uk-justice-denied.html

The UK government has passed a corrupt law with which it can cloak it's acts in secrecy - and which it can use unilaterally to it's advantage in court. 

Secrecy and unilateral power and control are fundamental traits of authoritarian and tyrannical governments and dictatorships. 

When the government can hide its acts under the cloak of law (particularly in surveillance police states) - maliciousness, cruelty, corruption and other wrong-doing is hidden. More people become implicated in hiding wrong-doing. The self-confidence of wrong-doers (particularly the ringleaders) that they can get away with things increases - as do the wrongs they and their cronies enact. 

Unequal application of justice as enacted with Closed Materials Procedures is fundamentally unjust.

Under the Justice and Security Act 2013 (which was passed into UK law in 2013) the UK government has made secret procedures known as Closed Material Procedures (CMP) available in all types of civil judicial proceedings. Under CMP the government can decide that the court should hear it's evidence in secret - and their opponent will not be allowed to hear the government's evidence against them (or in other matters, will not be able to know or rebut the government's defense of its actions.)

But, Secret trials undermine the principles of open justice and natural justice on which the rule of law is built.’ The spread of secrecy allows ‘the state authorities to become self-immunised from proper public scrutiny.

#tyranny, #justicedenied, #closedmaterialprocedures, #governmentsecrecy, #coverups, #naturaljustice, #openjustice, #openevidence, #closedevidence, #UK, #JusticeandSecurityAct, #JSA, #CMP
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Truth, Lies, Deception, Secrecy and Coverups - Democracy under Fire
Introduction

Truth, Lies, Deception, Secrecy and Coverups - Democracy under Fire

Like many others, I've only recently awakened to the assault on democracy and civil liberties the world over.

The Blogs I post are for educational purposes - to inform the public of relevant details regarding the truth of what is happening in governments the world over - and to encourage positive peaceful change. 

An informed public is powerful. But authoritarian rulers do not want the public to be informed. They lie, deceive, mislead and operate in secrecy to hide actions that would alarm or disgust the public and/or are not to the benefit of the public. 

Informing the public of the truth has become a battle between right versus might; truth versus lies and deception; transparency versus secrecy and coverups.

Democracy and civil liberties are under fire from within in many countries - by some of our own elected representatives, as well as some powerful government administrators and those in power in the military-industrial-surveillance complex - who want to consolidate and grow their power base nationally and internationally. 

Mass surveillance, propaganda, censorship and entrenched government secrecy are being used to disempower the public and provide the power elite with unwarranted authority and control over the public. 

Democracy and civil liberties are also under threat from the masterminds behind the financial sector - whose deliberate, calculated wheeling and dealing has likely resulted in the rise and fall of economies. These money monarchs likely also have substantial control over governments the world over because of what they can do that would influence the value of investments or level of loans of various countries. 

The political whipping system is another major threat to the democratic process - that should be seriously curtailed or abolished. 

The consequence of these factors has been evolution of so-called democratic governments run by administrations who dance to the tune of the rich and powerful and ignore the consequences of policies and law changes on the general public. 

We are being more and more ruled by an elite group who would lie to and deceive the public without blinking an eye, turn a blind eye to wrong-doing, and who are lacking in trustworthiness and integrity. Knowledge based on truth brings power. This Blog is about raising awareness of the true consequences of government policies, actions and law changes - and to encourage a focus on policies actions and law respectful of democracy, civil liberties and human rights.

All that is required for evil to take hold and grow is to: close your eyes, block your ears, shut your mouth - and do nothing.

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