Thrivent disability claim denial complaint, Questions of contract interpretation and Thrivent adherence to mission statement


From Complaints Board.

Thrivent Financial / Denial of Disability Claim

“We have paid for disability insurance for over 20 years. My husband had his knees replaced in 2005. His employer accomodated him with light duty work and he still retained his title and pay. This past March the company did not have any light duty work available and thus he went onto STD. After 90 we applied for our Thrivent supplemental insurance to kick in. NOW they are denying a claim because he didn’t file a claim in 2005 and he can still due light duty work.

For the record, this past june was the first time he was out of work longer than 90 days. He also was still in his former position not a lower salary desk job.

I always thought Thrivent was a great company. However, since they are giving us a hard time and refuse to provide coverage. I suggest that people find another company.”

From a Thrivent disability insurance contract:

“The contract defines total disability as a disability:
which results from injury or sickness; and
which prevents a covered person from performing an occupation (defined below) for wage or profit; and
during which the covered person does no work for earned income.”

“An occupation means the covered person’s regular occupation or employment during the first 24 months of total disability.”

Since the claimant was still working his regular occupation for earned income, it appears that he could not have filed in 2005.

And how does this square with Thrivent’s mission statement?


Our mission statement guides us in all we do. We are a membership organization of Christians, and our members are our owners. Our purpose is to serve our members and society by guiding both to be wise with money and live generously. We believe that all we have is a gift from God and that generosity is an expression of faith. We succeed when our members, their families and their communities thrive. We value our relationships, so we will:Be trustworthy in character and competence, andAct like owners and treat each other as owners, and Live balanced and generous lives.”


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