Thrivent claim more startling new evidence of fraud or incompetence?, Dr. Grover’s office called, Consequence of  “Alice in Wonderland” protocol?



Dr. Grover was the attending physician at the hospital where I was taken to the emergency room, triaged for stroke, given tests and kept overnight for observation.

He was also the physician who saw me post hospital and gave me a referral which led to Total Spine, the experts evaluating my condition.

Thrivent was notified multiple times in writing of Dr. Grover’s role in the chain of treatment early in the claims process.

Thrivent was notified again in a letter dated April 12, 2016 of Dr. Grover’s role and the timeline of treatment.

“The date of hospitalization and disability was 2/27/09.
The attending physician, Dr. Arun Grover, on form D1259A  R3-05, under the heading “Date patient became medically unable to work” wrote Feb 27th 2009. This completed form was sent to Thrivent.
Dr. Grover also wrote “Need to see podiatrist””

Apparently, at no time prior to 2017 did Thrivent request medical records from Dr. Grover or the hospital where I was treated.

At no time has Thrivent requested those records from me.

All of a sudden, in 2017, getting medical records from Dr. Grover is important to Thrivent.

This week.

I received a call from Dr. Grover’s office on Tuesday, Oct. 23, 2018, at 3:00 PM, asking if I had given my permission for an insurance company to receive my records.

I answered yes.

Since this phone number did not match the one I had on record, I decided I must verify it. I also wanted to know if anyone had requested my records in 2017.

On Friday, Oct. 26, 2018, I called the number which was answered as Dr. Grover’s office. I verified my identity and asked to know if anyone had requested my records in 2017. I was told someone would call me back.

I received a call several hours later. No one requested my records in 2017.

Thrivent’s sudden interest beginning 2017.

From my letter to Thrivent dated June 11, 2018.

““at mediation in 2017, Mr. Wells was unable or unwilling to deny that he created fraudulent medical records and forged the signature of attending physician Dr. Grover. As you know, falsifying medical records and forging a signature in order to enhance an insurance claim constitutes fraud. If Mr. Wells insists on continuing to prosecute his claim, Thrivent will counter-claim for fraud. Thrivent will conduct further discovery, beginning with depositions of Mr. Wells and Dr. Grover. While the disability claim is barred by the statute of limitations, the fraud claim is not. Mr. Wells claims that Thrivent owes him money, but in reality he faces the very real possibility of owing Thrivent money instead.””

“Initially I was preparing to go through mediation without legal representation. I wish that had happened. I also was not satisfied with the teleconference approach. Had I been representing myself, I would have demanded that attorney Wayne Luck put up or shut up when he strongly implied fraud on my part. As it was, with my instructions to just listen, I responded to attorney Luck that “there was no fraud on my part.” Hence, the statement from your attorney above “unable or unwilling to deny that he created fraudulent medical records and forged the signature” is a blatant lie!”

From the letter sent by a Thrivent senior claims examiner to my then attorney on May 2, 2017.  The same person who sent the “Alice in Wonderland” protocol letter to the NC Insurance Commission.

“Dr. Grover …. advised us they have no file for Mr. Wells.”

From an email I sent to my then attorney Feb. 15, 2017, during or just after the tele conference mediation session.

I have no clue what he is talking about.
If I filled any of the form out it was at the Drs direction.
He of course signed both times.
I filled out Thrivent’s forms as best I could under pain.
The forms were not conducive to describing what I did.
Atty Congleton’s comment nails it.
Mr. Luck misrepresented chain of treatment.
See attached Exhibit A.”

Why didn’t Thrivent request the records in 2009?

My best answer is that they were going down the “rabbit hole” chasing the wrong answers based on the recently revealed “Alice in Wonderland” protocol of blatantly incorrect contract provisions.

i.e. Dr. Grover’s input was not necessary because in “their” minds more important contract provisions were not met.

Has someone at Thrivent been aware of that earlier?

Is that the reason Attorney Wayne Luck began making false accusations in butt covering mode during mediation?

I have the proof of Dr. Grover’s involvement.

Case closed!

Furthermore, the same person who wrote to my then attorney stating that Dr. Grover had no records for me wrote the  “Alice in Wonderland” protocol, complete misstatement of the contract letter.

Dr. Grover’s office just stated that no one requested my records in 2017.





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