This post is to demonstrate just how cosy the arrangements are between insurance companies and their chosen professionals that they use to root you over. In particular the relationship between Ralf Schnabel and Fidelity Life.
One of the so-called profesionals that was used to provide “evidence” of my complete recovery from depression was Ralf Schnabel.
In the past 6 years he has met me precisely once and then for 3 hours. Not the full three hours ind, just the first 40 minutes and the last 30 minutes, the rest of the time was spent filling out a complex set of questions to ascertain whether or not my cognitive functions were impaired. Not surprisingly they aren’t, though his tests do conclusively show I suffer depression (amongst other things) and not only that, the depression is above average. Fidelity Life used this test as the basis of saying that because my cognitive functions are un-impaired and that I have had a head injury then I can work full time. Of course the fact that Schnabel broke all the rules in the book in publishing the showing the graphs, scores and results completely out of context is beside the point.
It isn’t surprising then to note that Mr Ralf Schnabel has a nice cosy relationship with Fidelity Life. So cosy that he gets invited to speak at the quarterly meeting of the Auckland Branch of Life And Disability Underwriting & Claims Assessors Association.
The cosy arrangements of Fidelity Life and their professionals
Note that the chair and one of the committee members are from Fidelity Life. Cindy Morby and Mark Brown. I’m sure they are nice folk, but the company they work for isn’t. I wonder if Ralf shared just exactly how good his role is for the industry is getting rid of pesky, annoying claimants, who won’t get well on the insurance company’s time-frame?
LADUCA’s newsletter also makes for interesting reading. Especially the article on how to ensure you drag the chain on claims as long as possible and put your client through the wringer. Oh sure it isn’t written that way but that is exactly the advice that is being given.
I really do think a select committee should be looking closely at insurance companies, especially if National is thinking that opening up ACC to competition might solve issues.
Since this hit the news I have also been alerted to several cases that Ralf Schnabel is involved in with Fidelity Life. I am talking with those affected, one of whom has a complaint against him before the psychologists board. I will post more details of these cases when the claimants give me permission. Fidelity Life told me that they only rarely use Schnabel (3-4 times per year), yet in the space of one afternoon have found at least three people shafted by this guy and Fidelity Life. I bet if I shake the tree a bit harder I can find some more.
Oh and a Google Search for Fidelity Life is really interesting now.