CORPORATE ASSASSINATION

THE CONSTITUTIONAL IMPERATIVE: PART I 

Greedy United Health Care CEO Brian “Blood on His Hands” Thompson (gunned down – now deceased): Dear Brian “I would send condolences but you’re ‘out of network.’”(“Thoughts and premiums”)(”It’s a Sad Day When Americans Applaud a Corporate Assassination”) … I say Good Riddance Brian! And Fuck you too.

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Like a Good Neighbor… let us sodomize you good

State Farm

This will be a scholarly piece befitting an Attorney BLOG with citation to case law, quotation from case law and legal analysis.

Health insurance companies act like the dreaded “Death Panel” conservatives warned of when Obama ineptly and ever so weakly floated the concept of a “single payer” health care system i.e. free health care for all citizens. (“It’s not a perfect plan,” Obama said – way to sell it you chocolate effeminate) Now instead of government bureaucrats that were allegedly going to cut off your benefits and kill you … the trailer park white trash sycophants that work for insurance companies do it. Do what? …

They refuse to pay for your medical bills despite the fact that you paid your insurance premiums. These Marjorie Taylor Greene “bleach-blonde, bad-built, butch-body,” type keyboard storm trooper insurance company “claims handlers” cut off medical benefits in exchange for bonuses and promotions from their companies – so that the insurance companies that they work for can increase their profits. 

I never got the concept of a government bureaucrat cutting off medical benefits since the bureaucrat would make the same salary whether the insured got their benefits or not. There would be no incentive system to reward a government bureaucrat to say, “hey you – you can’t have this or that medical procedure … so die – well you can have it … but we’re not going to pay for it … so fuck you customer.”

A full 40% of Americans who get cancer lose their entire life savings paying for treatment out of their own pocket. Paying for cancer treatment is not like elective surgery to make your tummy smaller you corpulent miscreants. It saves lives. Ironic that treating cancer will bankrupt 40% of Americans in the Land of the Free – which is only free if you have money.

What is really ironic is surviving cancer only to become homeless because of the medical bills. More than 100 million people in America – 41% of adults – are saddled with medical bills they cannot pay. Of those, about one in five said the debts have forced them to change their living situation, including moving in with friends or family. Of the 100 million Americans with medical debt, about 1 in 5 – 20 million Americans lost their homes due to medical debt. If you don’t have generous friends or family as many Americans do not – we are a selfish nation of fat fucks – you’re on the streets.

I am going to get back to the professionalism I promise. 

More than 60% of personal bankruptcies in America are caused by medical debt or income loss due to illness.

Insurance companies refuse to pay benefits all of the time. I have a law practice that specializes in suing them for just that – so I know.

What is the math behind this cherished American capitalistic phenomena … Death math.

In understanding the insurance industry’s criminal conduct it is essential to understand how insurance companies make profits. This is best understood by breaking down a premium dollar. Insurers such as State Farm make a projection of how much money they will pay for legitimate claims – “loss costs.” This calculation is highly accurate. It is based upon “vast actuarial experience” and the “law of large numbers.” Legitimate claims should comprise 70 cents of every premium dollar collected. Expenses and overhead cost on average 25 cents of every premium dollar. Profit consists of the remaining 5 cents of each dollar plus the additional investment value on the entire premium dollar during the time between when the premiums are collected and when claims are paid. This investment value generally consists of an additional 10 cents on every dollar. As such profits should be around 15 cents on each premium dollar: fifteen cents multiplied by the captive audience that must purchase insurance yields tremendous profits – billions of dollars.

As early as the late 1980s multiple insurers like State Farm retained the infamous business consultants McKinsey & Co to develop a plan wherein State Farm could dramatically increase its profits.

To understand how fiendish and despicable State Farm is one must understand the company that tells State Farm how to treat it’s premium paying insureds – who are also taxpaying U.S. citizens.

Just this week McKinsey & Co entered into a five year deferred prosecution agreement with the U.S. Department of Justice stemming from criminal charges that resulted from McKinsey’s role in the Opioid Crisis. McKinsey had to pay $650,000,000.00 million dollars ($650 million) in fines to the Department of Justice too. McKinsey advised the manufacturer of Oxycontin – Purdue Pharma – on measures it could take to “turbocharge” Oxycontin sales. “Turbocharge” as in getting customers higher than a kite – especially overweight dwellers of greasy trailer parks.

If anyone remembers the Opioid Crisis you’ll remember that it killed so many Americans – mainly Trump supporters – the life expectancy of all of America fell by a couple of years. Then Covid knocked it down a few more years. Of the 64 countries that provide data as to life expectancy the U.S. is currently ranked 44th. (We suck)(We have 4% of the world’s population with 25% of the Covid deaths (mostly Trump supporters – Heil Trump) 

The Department of Justice case found that McKinsey’s “invisible hand reached into virtually every opioid manufacturer and distributor.” Meanwhile while McKinsey advised the opioid manufacturers and distributors it also advised the US Food and Drug Administration’s drug-approval department – working hard to get such wonder drugs as Oxycontin approved for its client. Famous Right Wing talker the now deceased Rush “Fat Slob” Limbaugh used to crush Oxy and then snort the powder – true that … he admitted it. He’s dead now. Fuck you – you fat bastard.



I am back to being professional starting … NOW!

In 2018, McKinsey agreed to repay $74 million to the government of South Africa after a judicial inquiry found evidence of contract abnormalities surrounding its work. This came soon after McKinsey was forced to pay back more than $66 million for its work alongside a contract-looting partner who later fled South Africa. And just last week we learned that McKinsey’s South African subsidiary will pay more than $122 million “to resolve an investigation by the Justice Department into a scheme” to bribe South African government officials between 2012 and 2016.

Since 2019, the firm’s bankruptcy advisory business has paid millions in fines, or relinquished fees, for “disclosure deficiencies.”

Under former McKinsey partner Jeff Skilling, Enron paid the firm $10 million a year. McKinsey created Enron’s suspect accounting tactics that ultimately brought down the business robbing fat working class Americans out of their entire retirement pensions and even turning small towns filled with heavy greasy people into ghost towns. Fuck them too.

In April 2017, after three years of studying inmate brawls and assaults by guards that made New York City’s Rikers Island jail complex earn the moniker “The House of Pain,” (I have been there several times) McKinsey sent a confidential final report to the city corrections commissioner. McKinsey tested its anti-violence strategy, the report said. Violence was down by more than half in the units where McKinsey had recommended the new tactics. 

Excelsior! Success … But wait … 

What the report didn’t say was that jail officials and McKinsey consultants had “fixed the game by moving inmates that they believed were less violent into the McKinsey units ahead of the period of study.” The truth was the opposite of McKinsey’s report: violence actually increased by nearly 50% since McKinsey began their vital work at Rikers. The chubby city government dumped McKinsey, but not before paying it more than $27 million.

Why does McKinsey get hired. They provide cover for layoffs. When McKinsey is hired by a company that company will soon engage in mass layoffs to increase profits. The company blames McKinsey. McKinsey doesn’t care. Evil is there business. 

And that is American Capitalism. You just can’t suck enough … and the more you suck the richer you get … the same for our political system. 

So if you see a movie with an Evil Corporation destroying people, towns, countries and killing – it is all true. Evil corporations like McKinsey. Wait till we talk about Chevron – bend over and lube up for that one. 

Evil is also State Farm and the rest of the insurance industry’s business. And they can’t suck enough.

For State Farm McKinsey & Co developed a system – Advanced Claim Excellence (“ACE”) – wherein profits are enhanced through the refusal to pay legitimate claims. A system of rewards (bonuses) and punishments (you’re fired) were implemented to motivate State Farm claims handlers – mostly thrice divorced fat women with rape fantasies – to deny these legitimate claims. Further ACE relied upon certain bedrock principles. 

Amongst those bedrock principles is the phenomena known as “settlement lag.” Under this principle claims are not paid during the policy period. This lag increases investment value. Regulators in determining premium rates are misled or acquiesce to projections of promised timely payouts on legitimate claims. However when legitimate claims are delayed by false requests for “additional verification” and false denials; and only paid as the result of successful litigation there is an increase in profit for State Farm not factored into the premiums that the regulators allow State Farm to charge. (The same for all insurance companies)

It is a basic fundamental principle of insurance economics that the breach of an insurance contract is profitable. Succinctly a successful breach of contract claim results in the victim of the breach receiving only the benefit that was promised in the original bargained for contract. Meanwhile the victim is forced to expend the time, aggravation and costs of enforcing the contract. At the same time the insurance company is earning investment income from the money it should have paid to the claimant in the first place. This is known as the “efficient breach.” Consult the venerable publication Farnsworth on Contracts which describes the above phenomena

As a result the favorite documents for insurance companies are the statutory forms that say “Denied ...” Their main tools are called “Peer Reviews,” “utilization examinations,” “Independent Medical Examinations;” and other titles that are employed to allegedly make a fair determination as to whether insurers will pay the medical bills. Bills that they are contractually obligated to pay because the insured paid the premiums. These tools have different names but they all share a common modus operandi: The insurance company pays a flatulent medical professional to look at medical records or the patient him or herself – and proclaim “no further treatment necessary;” or we “do not approve of this treatment. See denial code F-U-C-K-U …:” “Treatment is experimental and therefore not approved.” Etc. Etc. The “medical professionals” making these calls are heinous. They are so malformed, ugly of physiognomy and soul (and fat), that they could never practice medicine. They live by lying for insurance companies. Thousands of these miscreants.

I wish Luigi would have run into a State Farm executive. The are easy to track because of the trail of greasy slime that they leave behind.

In early January 2008 the Missouri Court of Appeals for the Western District upheld an $8 million punitive damages award against State Farm, calling the insurance company’s conduct “clearly reprehensible.” Remember that Missouri is a so called conservative state which I find sometimes takes care of its own people better than so called liberal New York State which has a bunch of state and federal courts that are only liberal in their approach to sucking up to – and sucking off – big corporations

In 1997, Jennie Hampton called State Farm and reported that her car had been stolen. It was later found abandoned and burned in a Kansas field.

State Farm denied Hampton’s insurance claim. They alleged that Hampton provided false information when she claimed the engine was in “excellent” condition. According to State Farm, the engine failed. State Farm also alleged that Marvin Vail, a tow truck driver and the brother of Hampton’s boyfriend, towed the car to the field. State Farm claimed that Hampton and Vail then burned the car to collect insurance money. When I was a prosecutor at the Brooklyn D.A.’s Rackets Bureau we called that a “give up.”

State Farm’s immensely chubby investigator contacted the National Insurance Crime Bureau (“NICB”) – we will hear about those despicable buffs infra (infra is legalese for “later”) – about Hampton’s claim. NICB then contacted flatulent, fat, Kansas prosecutors. Hampton, Vail, and her boyfriend were charged with insurance fraud and conspiracy to commit insurance fraud. 

The criminal case against Hampton and Vail went to trial. A jury cleared them of any wrongdoing.

Hampton and Vail filed a breach of contract and malicious prosecution case. It went to trial in 2005. A jury awarded Hampton $10,300.00 on her breach of contract claim. Then things got downright ugly for State Farm (a.k.a. “Dick Farm”)

Hampton and Vail were each awarded $400,000 and legal fees on the malicious prosecution claim. So that’s about a million dollars there. Here is the ugly part …

In awarding punitive damages of $4 million ($4,000.000.00) to each – Hampton and Vail (a total of 8 million dollars) the trial court noted:

(i) State Farm’s lawyer lied when he claimed a plaster cast of tire tracks from a tow truck existed;

(ii) State Farm’s lawyer told Hampton’s attorney that criminal charges could be brought and she better be careful (that is attorney misconduct but they always do that – insurance company Nazi lawyers could also use a good assassination);

(iii) State Farm withheld evidence from NICB and the prosecutor that would have supported Hampton’s claim;

(iv) State Farm’s lawyer threatened a witness with perjury if he changed his story;

(v) State Farm’s mechanical expert did not fully examine the car’s engine before rendering an opinion on the engine’s condition;

(vi) State Farm prepared the mechanical expert to testify at the criminal trial without consulting the prosecutor;

(vii) State Farm failed to investigate the tow truck’s log records and did not interview an independent witness who had seen Hampton driving the car before the theft.

State Farm appealed. The appellate court rejected State Farm’s arguments concluding that the punitive damages award was not excessive. In the opinion, Judge Victor C. Howard wrote:

In this case, it is clear that the Plaintiffs were financially vulnerable, especially considered in relation to State Farm. State Farm’s misconduct, including relying on a questionable expert, excluding exculpatory evidence … is clearly reprehensible.

The downhome homespun Court spoke. See Hampton v. State Farm Mutual No. WD66791 (Mo. Ct. App. Jan. 8, 2008)

It gets much worse like only MAGA Long Island, New York can get worse. 

In one particularly heinously illegal investigation dubbed “Operation BORIS” State Farm funneled money to the Suffolk County District Attorney’s Office via the NICB. Specifically State Farm gave sums of money to the NICB who then passed it on in the form of some type of alleged grant. This money was provided in order to influence the Suffolk County DA into investigating, arresting, indicting and prosecuting medical providers, which created justifications for claims denials. 

Once the money – in the form of cash – arrived at the Suffolk County District Attorney’s Office the money was utilized for the leasing of cars, the purchase of computers, the purchase of cell phones, the hiring of cronies and establishment of a slush fund: personal expense accounts wherein meals including alcoholic beverages were purchased and other questionable uses such as hookers. (Suffolk County Government always has hookers somewhere) FOIL responses notified me that not one single document recorded the hundreds of thousands of dollars or more that flowed to the District Attorney’s task force.

This was the brain child of Suffolk County District Attorney Thomas Spota who just got out of Federal Prison for covering up the beating of a drug addict by Spota’s lover the Chief of Police James Burke – who dated and beat hookers. The beating of the drug addict was the result of the drug addict stealing Burke’s duffel bag filled with greasy gay sex toys – things inserted in a man’s ass – as well as gay pedophilic porn.

BORIS ended in debacle. Of approximately 585 indictments, well over half were simply never unsealed. Rather, they expired. Of those that were unsealed there were a few (like three) pleas taken in the form of ACDs – “Adjournment in Contemplation of Dismissal” – which is a fancy way of saying: “Case dismissed.” In other words droves of felony indictments were simply dismissed.

Over a thousand indictments were never submitted to the Court. Forgotten. This case was so inept that the lead prosecutor – one Peter Smith (a retired Nassau County Police Officer and complete moron) – would leave the grand jury room while the Grand Jurors questioned the NICB and other witnesses. That is illegal because the prosecutor must make sure that questions are proper. Knowing the intelligence and depravity of morbidly obese Suffolk County citizens the Grand Jury likely asked questions about deviant sexual behavior in an alleged insurance fraud case.

State Farm and the insurance industry through the NICB had manufactured and purchased BORIS as a means to avoid paying out on claims brought by policy holders who paid premiums. State Farm simply said, “Denied due to fraud” in response to insurance claims. In Court State Farm pointed to the indictments and the misfit Courts ate it up. State Farm avoided tens of millions of dollars in claims based on fraudulent indictments. I was right there. 

See Campbell v. State Farm, 65 P.3d 1134 (2001): 145 million dollar bad faith auto insurance punitive damages award fully restored by Utah’s highest court. State Farm was found to engage in “reprehensible conduct” on a nationwide basis: “State Farm’s … policy of using its claims-handling process as a profit center to systematically deny benefits owed to consumers is deliberately crafted to prey on … ‘the elderly, the poor … the most vulnerable to trickery or deceit [fat idiots] … and hence have no real alternative but … to settle a claim at much less than fair value.’”; destruction of evidence; “mad dog litigation tactics” etc.)



I can’t wait for Part II of this piece where I inform you as to whether or not you have a Constitutional Right to off an obese – or even skinny – corporate executive. Don’t kill anyone just yet because … well … I hate to kill the suspense … but there is a Constitutional Right to kill a corporate executive … You just have to do it the right way.

See you next week … you will not be denied … you are in network … thoughts and premiums … you fat fucks.

I hope I have remained professional to some degree.