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Summer Series: Life After Disability Part I

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Why learn everything for yourself after a car accident when millions of others have gone before you? Read ESTRA Car Accident Support Blog and get the answers and experiences of dealing with Insurance Companies, Employer ERISA Benefits, Social Security Disability, Surveillance, and more than you can imagine!

Congress and Insurance Industry

ESTRA SeattleComment

Seattle (ESTRA) - Fairness and equality in insurance benefits and settlements, regardless whether they are coming from public or private companies, is the right of policyholders.  Policyholder votes for those in Congress who support Insured Civil Rights Legislation can demonstrate that this is an important matter. 

The number of hurting families who sit and wait at home wondering when they will receive benefits to care for their family is unnecessary suffering.  When the power and influence of an industry gets to decide, if and when benefits are paid out, when it’s in their best interest to keep the money, is wrong.  Isn’t this just too much power for one industry? 

Money and power of the Insurance Industry is impacting many areas of Main Street’s life. Does this extent to control over Congress which is supposed to protect and serve this country? 

When was the last time Congress thought about you as an injured person dealing car accident issues?  Have they cared about how your life is going?  Have they protected you from Bad Faith Insurance practices of Auto Insurance Companies, Employers, or Social Security Disability? Congress gives Insurance Industry protections and subsidies.  There is much publicity on Health Insurance while Auto, Disability, and Life Insurance concerns are just as blatant. It’s time to speak up on these other insurance areas.

Congress provides special tax breaks for all Insurance Companies. Do you hear legislators talking about benefits they have given insurers?  Perhaps it’s due to policyholders being left out and must survive in the best way you know how without the help promised by some of these companies. 

Far too many Injured are on the losing side and cannot get the support or a fair claim process after a collision.  Congress do something about this injustice.  If you can do subsidies, provide tax breaks, and listen to Insurance Lobbyist at every turn, one would think you could take a moment to consider the needs of policyholders. 

What does Congress think about the Insurance Industry?  Bill H. R. 5143 (House of Representatives 2015-2016), Transparent Insurance Standards Act of 2016, gives a clue.

“The State-based system for insurance regulation in the United States has served American consumers well for more than 150 years and has fostered an open and competitive marketplace with a diversity of insurance products to the benefit of policyholders and consumers.”

My question is what world do they live in? Have their families been subject to delayed, denied, or terminated insurance contracts?  Have they suffered because of a lack of resources when benefits are not paid?  If they do not see the problems, perhaps we need to bring them to Congress for them to have a better understanding.

State based systems have failed policyholders. How are state run agencies compete against global insurance companies with enough power and influence to stomp out any legislation state initiatives can bring forth, if they too have not fallen under the controls of Wall Street?

Diversity?  Really? How many of these insurance companies are not related in some way? Where did Geico come from? Bershire Hathaway. Wall Street has become one major monopoly. How can policyholders get a fair shake when many of these companies use the same games to hold on to insured benefits?  Go to any court house in America and review the lawsuits against these companies and you will see that they win their cases from using the same legislation, which is unfair to policyholders.  There is no diversity to speak of in this industry. 

“Protecting policyholders by regulating to ensure an insurer’s ability to pay claims has been the hallmark of the successful United States system and should be the paramount objective of domestic prudential regulation and emerging international standards.”

Who are these people? Do they only spend time in Washington D.C. with Insurance Lobbyist? Do they go home and talk with their constituents? Have they watched the number of comments whenever there is a documentary on this problem? Or are they just ignoring a major problem faced by Main Street in order to accommodate Wall Street? What numbers are Congress looking at? Can’t they see the number of people who are hurting due to their poor decision making on this matter?

Perhaps this is due to not hearing the cries of the people they are supposed to be helping. One thing is for sure, Congress needs a wake-up call today.  Call them at (202) 224-3121, they obviously need to hear from you.

“United States officials participating in discussions or negotiations regarding international insurance standards shall support standards designed for the protection of policyholders.”

Yes the American Insurance Industry has open up abroad, and more than likely will do the same things to people they insure elsewhere in the world.  But if Congress cannot protect its own people, how can they expect to help others on a global scale.  When Congress listens more to Insurance Lobbyist than they citizens they hurt, this is a problem for Americans, and is not a good idea to place them in such a powerful position around the world.  The actions and behaviors cannot be ignored. For if they are, more and more people will not receive their benefits or settlements, and these empowers will continue to grow at rapid paces, which will make it more difficult to quench their money thirst. 

The purpose of insurance was for protection against harm.  When insurance companies themselves begin to induce pain and suffering, in my opinion, their service is no longer viable.  Car accident victims don’t need more torture through delays, harassment, or denials.  They need will genuine help, by those willing to play by the rules they themselves have created.  Congress stop aligning yourself with the Insurance Industry and do the jobs you were place there for, to protect and serve the United States of America.

Car Accidents often change lives, or at least have an impact on driving.  Have you notice there are no non-profit agencies in the United States to help people involved in collisions?  Why? In my opinion this is due to keeping the injured isolated, confused, and worried about their futures.  This creates a masterful control over the actions of policyholders and a reliance on those who control whether insured will receive benefits or settlements.

This however can change, starting with us today.  Call Congress at (202) 224-3121 and ask for Insured Civil Rights Legislation support.  This means puts in place protections for you the policyholder.  Taking a stand against denied insurance benefits, or having benefits delayed so significantly that financial difficulties cause extended suffering in the injured person’s life, is not acceptable. By saying, Congress we are watching the legislation passed for the Insurance Industry and Policyholders which lets us know who you are working for, and it’s not car accident victims. A change is required in the way legislation has been written only protect Wall Street.  It is time to request your help for Main Street. 

Stay safe, well, and determined.  

- ESTRA Seattle

“Car Accident Settlements from Insurance Companies, Employers, and SSDI Matter.”


Social Security Disability Income for You or Wall Street?

ESTRA SeattleComment

For decades, Wall Street has been trying to get their hands on money to use in the Stock Market from Social Security Income.  Baby Boomers funded both their own retirement and the generation before them.  Where has the money gone? Why no mention by Congress that this has ever occurred? Is leaning on people receiving Social Security Disability a means to an end?  Most are poor and this is only source of income. 

 Why? Because Congress has allowed Employers to skip out upon their responsibility of paying agreed benefits and leaving Employees with a lot less support allowing corporations to keep money that was supposed to be for policyholders. 

Is Social Security now siding with Wall Street and throwing Main Street under the bus?  Are they afraid of being hurt by budget cuts as has been done by Congress against many government agencies? What are these actions doing to the people currently receiving Social Security Disability Income? Is Social Security Disability surveillance part of the game to reduce the roles of qualified individuals in order to fatten up the Stock Market for Wall Street by using this funding?

The treatment and resources today recipients of social security disability receive today is quite different than in past years.  There are many services no longer offered or reduced. Many disabled under this program currently don't received enough support in order to get by and therefore do without.

Today we hear a lot about how the Stock Market has rebounded from the recession, but has it? If so, where is all the money Baby Boomers placed into social security during their most viable working years?  Did this funding also rebound after the recession?  Or was this money gifted to other agencies in government or loaned out to Wall Street? 

 One way analyze what is happening to Social Security Disability Recipients is to begin to watch the behavior and decision-making of Congress regarding this

program and those agencies, corporations, or lobbyist working with them. 

 Notice who is missing in the above equation? You! Yes You.  The Disabled who will have to work within the constraints set by Congress through discussions with those there at the table to protect their interest not yours.

 There are many Insurance Industry Watch Organizations protecting their sixes.  When was the last time you heard about a major insurance company loosing a case against a policyholder and paying out the claim? Usually they will attempt to appeal the decision until the insurer is deceased or so close is hard to say which is which. So what has the Congress thought about lately regarding Social Security Disability?

Summary: H.R.3482 — 114th Congress (2015-2016), Introduced in House (09/10/2015), Disability Insurance Protection and Fraud Prevention Act of 2015 

 1)    "Requires the Inspector General of the Social Security Administration to increase the number of cooperative disability investigative units to 54 and distribute them equally among the most densely populated areas."

 Densely populated areas?  Are they talking about inner city?  Are they referring to People of Color? Or Poor People? Does this sound like targeting a certain population?  No need for these disability investigative units out in the suburbs or Wall Street? Using new code words to communicate?

Social Security Disability Reviews for people age 50 or above on disability were previously not targeted for this type of harassment.  Now it's 58 years of age.  Is 58 the new 50? Or is this a new technique to lower the roles of people on disability? My, my, my.  Who are these people working for average citizens or Wall Street?

2)    "Amends titles II (Old Age, Survivors and Disability Insurance) (OASDI) andXVI (Supplemental Security Income) (SSI) of the Social Security Act to eliminate consideration of the combined effect of impairments in disability determinations."

 Disability Determinations are done extensively while most injured

wait three years to be approved or denied Disability Income.  Typically

Social Security Disability Reviews for determination are performed every three years, unless corporations ask them to speed things up in hopes of employers being able to deny claims.  So why place more pressure on a system that already has major delays in their initial determination process?  What really is the purpose of this Act of 2015?

 Here is your answer:

 3)    "Makes appropriations for continuing disability reviews for FY2016-FY2020. Directs the Commissioner to assess for Congress after FY2018 the amount of savings attained as a result of such appropriations in the federal disability program under the OASDI and the SSI programs."

The purpose is to save money.  But will this save as much money as it spends? And who are the beneficiaries of this review of the disabled? Lord knows, most disabled have enough worries to address.  Are they looking in the wrong place for more money? Perhaps Congress should go back and review appropriations of use of Social Security Funding? Perhaps start with Wall Street or Government Loans?  Deals made with Lobbyist?  Why start with the least of us to harass and intimidate? Those will no resources to defend themselves from such attacks?  Does even our Congress only pick on the meek, disabled, and poor?  I thought it was Congress' job to protect and serve all citizens? But do they?

 So what is their mission?

4)    "Requires the Commissioner to describe for Congress the designs of:  a disability demonstration program, a state demonstration program to revise specified existing funding streams, for specific populations to improve outcomes and reduce participation in SSI, or Social Security disability insurance, and a demonstration program that encourages employers to reduce the incidence of disability among their employees by 20% through a voluntary program that provides the employers with a tax credit if their employees do not file for Social Security disability insurance."

Ok let’s break this down.

A)    A Disability Demonstration Program on Federal Level.  Frankly, this sounds like developing a plan to cut the roles of Social Security Disability Income under both those receiving benefits through participation in the insurance plan.  This is what social security disability Income is, and their program for those who don't qualify under this insurer program, but are eligible because of lack of income. 

B)     A Disability Demonstration Program on State Level. Revise funding streams sound to me like cutting back on by targeting specific population groups. My question would be to improve outcomes for whom? For their bottom line? Because if they seriously want to reduce the roles of SSI and SSDI, they will need to put more resources out in order for those to get people in better health.  Since Congresses goal is to reduce the roles of social security disability of inner city poor people, I personally would recommend giving them the support they need in order to move on.  I have not meet any disabled people who prefer pain, suffering, and being broke. Everyone wants to paddle their own canoe.  Who would want to be on a system which is set up to keep people broken?  In my opinion, many people who or injured or disabled try to find their way back to their original life.  The disabled way of life is too hard for most people.

 C)    If you were confused at all about Social Security working with Wall Street. You've found your answer here:  Asking Corporations to reduce their employee’s incidence of disability? Really? How? Do they think people just decide to become disabled? That one day they decide for disaster to destroy their life?  I don't think so.  So Congress says to Wall Street, hey! If you keep down our cost, we will give you tax credits, so you can keep more of these same employee’s premiums without having to pay them out benefits either? Really? So employer you reduce the number of disabled by 20% ok?  And this will be our little secret because policyholders don't read legislation and your Employee Benefit Plan Summary won't mention this.  Wow.  Are you still wondering how policyholders are getting screwed?  Who is really looking out for your interest? How can we put an end to this? By standing up today and demanding Congress to enact Insured Civil Rights Legislation.  Otherwise we will continued to be played, and suffer the consequences from Social Security, Congress, Insurance Companies and their Lobbyist, actions upon their behalf, not ours.

Call Congress at (202) 224-3121 and let them know what you think about H.R.3482 — 114th Congress (2015-2016), Disability Insurance Protection and Fraud Prevention Act of 2015. Ask them to support insured civil rights legislation in 2016.


Stay safe, well, and determined.  – ESTRA Seattle