Earlier today I posted a summary of research into Unum and ATOS by Mo Stewart. Here are two further summaries she has sent me with permission to post on this blog.
Mo Stewart is a former healthcare professional, a disabled female veteran and, for the last 3 years, has researched the links between the DWP, Atos Healthcare & Unum Insurance. To date, the research evidence has been quoted during welfare debates in the House of Lords, the House of Commons and in Westminster Hall. Mo routinely shares all research evidence with academics, medical and healthcare professionals, frontline national charities, selected
politicians and service users.
FROM THE BRITISH WELFARE STATE TO ANOTHER AMERICAN STATE
From The British Welfare State to Another American State © Mo Stewart 17th May 2013
From The British Welfare State to Another American State © Mo Stewart 17th May 2013
The ongoing welfare reforms have created an atmosphere of fear and despair within the British disabled community, that includes sufferers of chronic ill health and those with mental health difficulties. Claimants in receipt of the former Incapacity Benefit are being transferred to the Employment and Support Allowance (ESA) but, to retain this disability benefit, claimants are required to make themselves available for an ‘occupational assessment’, known as the Work Capability Assessment (WCA), as exclusively conducted by the private contractor Atos Origin IT Ltd Medical Services; better known as Atos Healthcare.
Since 2008 successive British governments have adopted the WCA with the intention of the Department for Work and Pensions (DWP) removing as many claimants as possible from disability benefit, to permit the long ago planned move from the welfare state to welfare funded by private insurance. During three years of detailed independent research, I exposed the links between the British government and the American healthcare insurance giant Unum (Provident) Insurance as first identified in the 2010 report: Atos Healthcare or Disability Denial Factories.(1) This report exposed the links between the DWP and the healthcare insurance giant, and also identified the fact that the WCA had been designed in consultation with Unum Insurance and was the realisation of the long ago planned ‘Thatcher Legacy’, which was the total destruction of the welfare state.(2) This foreign influence on British welfare reforms was to become the focus for the second year of my
research that culminated in the report: Welfare Reform – Redress for the Disabled(3) as first
quoted during the welfare reform debates in the House of Lords during September 2011.
Over time, this often disturbing research evidence was published across the Internet and was welcomed by various academics, a growing number of frontline national charities, medical and healthcare professionals and service-users. The interest was growing as the research exposed the fact that the DWP’s American corporate ‘adviser’ was identified as one of the most discredited health insurance giants in the world.(1)(3) By 2005, following copious numbers of successful legal cases throughout the USA, the California Department of Insurance Commissioner, John Garamendi, stated: “Unum Provident is an outlaw company. It is a company that has operated in an illegal fashion for years…”(4) By 2006, New York Attorney General Spitzer ordered Unum (Provident) Insurance to reconsider 200,000 previous claims, in a settlement benefitting 48 States, and also levied another $15 million dollar fine against the company in addition to the multimillion dollar fines already imposed over several years via successful litigation.(1)(3)(5) In 2007, the American Association for Justice identified Unum (Provident) Insurance as “..the second worst insurance company in the US.”(6)(7) To date, the company have not carried out the 200,000 reconsiderations, ordered in the 2006 multi-state settlement, as Unum Insurance does appear to
continue to be a law unto themselves. A name change to, simply, Unum Insurance has not altered this company’s long history of resisting payment to genuine health insurance claimants(8) as confirmed in a compelling CBS News interview.(9)
Yet this is the company chosen to ‘advise’ successive British governments since 1994 and this
American influenced system of disability denial was adopted by the DWP, using Atos Healthcare to conduct the WCA as a guaranteed method of reducing the welfare budget, regardless of the large amount of detailed evidence against it.(1)(3)(7)(10) Indeed, in America, Professor John Langbein of the Yale School of Law produced a paper identified as ‘The Unum Provident Scandal’ that exposed Unum’s policy of disability denial that continues to be referenced to this day.(10)
Not only was the Atos examination exposed as being ‘unfit for purpose’ by the President of the Appeal Tribunals,(11) but also most recently by the representatives of Britain’s doctors and nurses as the WCA was identified by both the British Medical Association (BMA)(12) and the Royal College of Nurses (RCN)(13) as being totally detrimental to the welfare of patients. DWP Ministers continue to disregard all reported evidence against the Atos assessment.
For six years from 2003 Unum (Provident) Insurance funded the former DWP Chief Medical
Officer, Professor Sir Mansel Aylward, who retired from his role at the DWP to become the
Director of the ‘UnumProvident Centre for Psychosocial and Disability Research’ at Cardiff
University. During that time, Professor Aylward co-authored arguably the most damaging report in the history of British welfare as The Scientific & Conceptual Basis of Incapacity Benefits, TSO 2005(14) was, effectively, a blueprint for the introduction of the WCA.
The Green Paper: A New Deal for Welfare: Empowering people to work – 2006(15) was
subsequently exposed by the academic Professor Alison Ravetz, whose detailed independent
assessment identified the content of the Green Paper as leaving much to be desired.(16) It remains cause for concern that Professor Ravetz’s critical assessment of the Green Paper was provided as a contribution to the public consultation process; so the DWP accessed this disturbing evidence and then totally disregarded the significance of it,
“On closer examination, it appears that this entire body of work is largely self-referential – that is, it appeals for validation to itself and is framed within the same political and policy agenda. In practical terms, it means opting out by the state of responsibility for a large section – estimated two thirds – of those affected by illness or disability. In future, it will be harder to qualify for the benefit, while those already receiving it, in many cases over long periods will, despite assurances, have justifiable anxieties about their future benefit status UnumProvident, an American company, is involved in a number of lawsuits for ‘bad faith’ in refusing to honour disability insurance claims. This reinforces the caution against taking this apparently impressive body of work at face value. It is not research undertaken in the spirit of open enquiry. It is commissioned research and, as such, pre-disposed towardsideologically determined outcomes.”(16)(My emphasis. MS)
This statement was written by Professor Ravetz in 2006 and it has now come to pass, with the nation’s chronically sick and disabled benefit claimants living in fear of the arrival of their appointment for the WCA, as conducted by Atos Healthcare, and the endless incorrect decisions regarding future benefit entitlement by DWP ‘Decision Makers.’(17)
The main influence of the Green Paper content was The Scientific & Conceptual Basis of Incapacity Benefits, TSO 2005(14), as authored by Professors Mansel Aylward and Gordon Waddell and published by the UnumProvident Centre for Psychosocial and Disability Research, Cardiff University. Research evidence has confirmed the profound influence of a discredited American corporate insurance giant with the DWP since 1994 and the most damaging reports, used to influence and inform government policy on welfare, have been produced via a research centre who have adopted the Unum philosophy and cannot possibly be considered to be ‘independent’ research evidence.
On 17th April 2013 the United Kingdom honoured Baroness Thatcher with a ceremonial funeral at an admitted cost of £3.6million, to acknowledge the nation’s first female Prime Minister, whilst her lasting legacy to the British people will be the successful destruction of the welfare state.
From The British Welfare State to Another American State © Mo Stewart 17th May 2013
Click to access FROM-BRITISH-WELFARE-STATE-TO-ANOTHER-AMERICAN-STATE-2013-3rd-edit-FINAL.pdf
(1) Atos Healthcare or Disability Denial Factories: http://www.whywaitforever.com/dwpatosveteranssummary.html
(2) Margaret Thatcher’s role in plan to dismantle welfare state revealed:
(3) Welfare Reform – Redress for the Disabled: http://www.whywaitforever.com/dwpatosveterans.html#WRES
(4) Online Lawyer Source: http://www.onlinelawyersource.com/unum/complaints/
(5) State Insurance commissioners reach settlement with Unum Provident:
(6) Unum Claims Denial – Legal Help: http://unumclaimsdenial.com/2011/07/unum-ranked-2nd-worst-insurance-company-in-america/
(7) The Ten Worst Insurance Companies in America – The American Association of Justice
Click to access tenworstinsurancecompanies.pdf
(8) Unum Lawsuit Plaintiff Wins Re-instatement of Unum Disability Benefits, MARCH 2013:
(9) Did Insurer Cheat Disabled Clients: CBS News interview: http://www.youtube.com/watch?v=gknSNvGoX-c
(10) John H Langbein – The Unum Provident Scandal & Judicial Review of Benefit Denials, Yale University School of Law: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=917610
(11) HH Judge Robert Martin: President of Appeal Tribunals, Report 2007-08:
Click to access SSCSA_PresRep07_08FINAL.pdf
(12) Scrap work capability assessment, doctors demand
(13) RCN Congress: http://www.rcn.org.uk/newsevents/congress/2013/agenda/1-disability-assessments
(14) The Scientific & Conceptual Basis of Incapacity Benefits, TSO 2005
(15) A New Deal for Welfare: Empowering people to work: 2006
Click to access 6730.pdf
(16) Green Paper: A New Deal for Welfare: empowering people to work. 2006
– an independent assessment of the arguments for proposed Incapacity Benefit reform http://disability-studies.leeds.ac.uk/files/library/ravetz-Green-Paper-IB-critique.pdf
(17) Unfit for Purpose: Citizens Advice Scotland: http://www.cas.org.uk/publications/unfit-purpose
GOVERNMENT USE MIGHT OF AMERICAN INSURANCE GIANT TO DESTROY UK SAFETY NET – UPDATE
Whilst the Prime Minister employs talented script writers, and waxes lyrically about the nation’s concerns for our most vulnerable people, the reality is that the medical tyranny used to assess anyone claiming sickness or disability benefits has, by the Department for Work and Pension’s(DWP) own admission, resulted in 1100 deaths between January – August 2011.** Significantly, more recent death totals are not yet available from the DWP…
These genuine benefit claimants were removed from Incapacity Benefit and placed into the ‘work related activity group’ following a ‘medical assessment’ as exclusively conducted by Atos Healthcare – a subsidiary of the IT giant Atos Origin, who were awarded the very lucrative IT contract for the recent Olympic Games. The ongoing human tragedy is that, regardless of diagnosis, prognosis or treatments, these victims were removed from the safety net of the welfare state by under-qualified DWP staff, following a totally inadequate medical assessment by Atos Healthcare, forced to prepare for work and then died trying.**
This ongoing, relentless sinister attack on the welfare state was planned by the Thatcher
government in 1994(1), with successive governments contributing to the fear now faced by over three million chronically sick and disabled people. The Prime Minister announced last year that disability benefits should only be available to those whose reduced health was due to ‘no fault of their own.’* Playing ‘the blame game’ whilst demonstrating his very dangerous lack of comprehension of the sinister implications of all serious addiction was thought at the time to be extreme comments by the Prime Minister, but it was only ever the tip of the iceberg. The reality is that every chronically sick and disabled person in the UK, in receipt of disability benefits, has learned to live in fear of their own government that is shared by the claimed ‘moderate’ political party; namely the Liberal Democrats.
Most civil servants and MPs are able bodied, with very few having any detailed personal knowledge about the vast subject of chronic illness or disability, so sweeping generalisations feed the national press whilst one particular man, with a past history in finance, was given unlimited authority. He was ennobled to permit his appointed to government, and he was never elected, but his opinions are never challenged by government so Lord Freud, as the Minister for Welfare Reform, enjoys unprecedented authority about a subject that he demonstrably knows nothing about. With a past history in the world of finance Lord Freud only knows about budgets, and he engaged with the insurance industry to reduce the burden of government funded welfare.(2) In his own words(3), Lord Freud admitted that he knew nothing about welfare or disability. Yet, three weeks following his
appointment, he produced a report that was adopted by government and now the weakest in society live in fear of frequent obligatory government medical assessments, as conducted by Atos Healthcare, that have been demonstrated to be totally ‘unfit for purpose’ by the President of the Appeal Tribunals, national front-line charities, welfare agencies and concerned high calibre professionals. The government ignores them all.(1)(4)(5)
Atos Healthcare (AH) are engaged to undertake all medical assessments on behalf of the DWP for anyone in receipt of Incapacity Benefit – now changed to the new Employment Support Allowance(ESA) – but the AH assessments remain totally free from all public accountability according to the General Medical Council and the Care Quality Commission.(1) Undeterred by public concern, the £multi million contract between the DWP and AH was recently extended(6), whilst countless numbers of our most vulnerable citizens testify to this bogus medical assessment, that remains as far away from genuine medical evaluation as it’s possible to be.(1) In reality, the Atos assessment is a limited non-medical assessment, that discounts all input from the patients’ GP and Consultants, and remains very high risk as it is based on the totally discredited Bio-Psychosocial Model(BPS) of disability(7) that totally disregards the diagnosis and prognosis of the benefit claimant.
However, behind the might of Atos Healthcare(AH) are government advisers Unum Insurance, introduced to the UK government in 1994 by Professor Mansel Aylward when Chief Medical Officer at the DWP, and who was to leave the DWP to become the first Director of the Unum Centre for Psychosocial Disability Assessment. Some years later, mounting public criticism forced the removal of Unum from the title of the Centre, but the Professor remains unrepentant. When known as Unum Provident Insurance, the company were identified as one of the most discredited corporate insurance giants in the United States(US)(8), and the ‘medical assessments’ undertaken by AH are alarmingly similar to those used by Unum for the assessments and denial of income protection insurance claims, as the Atos assessments also use the totally unacceptable and highly discredited BPS model of disability assessment.(8)
The US courts discredited Unum Provident’s “non-medical” model for assessing medical
conditions(8) yet successive UK governments adopted it to reduce the welfare budget, regardless of the human cost of this imported US medical tyranny. Now known as Unum Insurance, the company have rebranded periodically over the years, depending on the numbers of $multi-million fines imposed due to unacceptable medical assessment practice(9), and they offer income protection (disability) insurance but, as a company, have a disturbing past history of resisting paying out when an insured person hits hard times with illness, or the onset of a disability, and needs to make a claim.(8)(9)(10)(11)
Previously known as Unum Provident or First Unum, the company have been advising successive British governments since Thatcher was Prime Minister and this corporate giant, described as operating ‘disability denial factories’ inspired the research report: Atos Healthcare or Disability Denial Factories(1), as now accessed by welfare professionals throughout the UK. Indeed, Unum Insurance were identified in 2009, by the American Association for Justice, as being ‘one of the top two worst insurance companies in America’(8) yet have been involved, behind the scenes, with the DWP for almost 20 years.(9)(12)(14)(15)
Disturbing evidence of the eventual planned move from the British welfare state to the US style of welfare, to be funded by private insurance, was first exposed in the House of Lords during the welfare reform debates last year. Members of the noble House quoted from the detailed research report: Welfare Reform – Redress for the Disabled(9) as written at the request of noble members. Unsurprisingly, the government decided that all suggested amendments to the Welfare Reform Bill, hard won in the House of Lords, were to be disregarded due to the use of Financial Privilege(16) – an ancient authority of the House of Commons. Hence, this coalition government’s contempt for any challenge was complete, unstoppable, and demonstrably dangerous for the nation’s chronically sick and disabled population.(8)(9)
One of the reasons for Professor Aylward inviting the involvement of Unum Insurance was the DWP’s ultimate plan to follow the American lead in welfare, to identify such conditions as Chronic Fatigue Syndrome as a ‘psychological condition’ by using the BPS model of disability assessment and thus to, eventually, justify not funding welfare benefits for sufferers, as in the US.(17)(18)(19) Considering that, at the time of the introduction of Unum (Provident) Insurance to the British government by Professor Aylward, in 1994, Unum already had an atrocious reputation in the US for failing to fund payouts from the insurance policies they sold, one must wonder as to why their advice was so willingly accepted and adopted by all successive UK governments ever since… (1)(9)(17)(19)(20)
Within three months of leaving the DWP Professor Aylward, recently rewarded with a Knighthood for services to disability assessment, was appointed as the Director of the then named Unum Centre for Psychosocial Disability Research at Cardiff University and his appointment as the Centre’s Director led to the Professor’s appointment as the first ever Chair of Public Health in Wales.
Professor Sir Mansel Aylward is also a Director of the Health Claims Bureau(13), a private company involving Unum Insurance with the ‘medical assessment’ for claimants of income protection or disability insurance for industry. Yet, this assessment is virtually identical to the tyranny used by Unum (Provident) Insurance, as exposed by the Yale School of Law(21) when identified as the Unum Provident Scandal, and now copied by the UK government to remove helpless victims from State financial support.
To guarantee that Atos Healthcare remained confident about their purpose, Unum’s former Chief Medical Officer Mike O’Donnell crossed the Atlantic Ocean and was appointed as the new Chief Medical Officer for Atos Healthcare but, of course, both companies deny that there is any professional relationship between them.
None of this news will disturb a UK government that has now been warned against more benefit cuts by the United Nations(22) and who appear to be trying very hard to be removed from all responsibility under the European Court for Human Rights(23). Meanwhile, the Professor recently denied any knowledge of this medical tyranny when confronted by disability activists outside a lecture hall where he had been advising representatives from the insurance industry…..(24)
When previously known as Unum Provident Insurance, this US corporate insurance giant were actually banned from 15 States in America and 6 countries, worldwide, until 2008(1), when they again changed their name to become known simply as Unum Insurance. Someone, somewhere surely now needs to be asking the question as to why was this highly discredited corporate insurance giant ever invited to advise the British government about welfare reforms….?? Someone, other than investigative TV journalists(25), needs to be asking what was the ultimate goal, and who were to be the undoubted beneficiaries of this government funded medical tyranny, imported from America, against the most vulnerable people in our society?
Unum’s unacceptable influence with successive UK governments was recently exposed at the
Liberal Democrat Conference by the courageous young Mr George Potter.(26) If only the political leaders of the Liberal Democrats enjoyed some of the courage displayed by George Potter, millions of chronically sick and disabled people would no longer need to live in fear of this coalition government, that has totally failed to protect them, despite claims by Liberal Democrat leaders.
Copyright: Mo Stewart 27th October 2012
(**) 32 die a week after failing test for new incapacity benefit:
(*) PM vows to get addicts into work: http://www.bbc.co.uk/news/uk-politics-13152349
(1) Atos Healthcare of Disability Denial Factories: http://www.whywaitforever.com/dwpatosveterans.html#docs
(3) Welfare is a mess, says adviser David Freud: http://www.telegraph.co.uk/news/politics/1577313/welfare-in-a-mess-says-adviser-David-
(4) CAB evidence on ESA work capability assessment: NOT WORKING: http://www.citizensadvice.org.uk/not_working
(5) Disability test a ‘complete mess’ says expert: http://www.guardian.co.uk/politics/2011/feb/22/new-disability-test-is-a-complete-mess
(6) Atos wins £400m deals to carry out disability benefit tests: http://www.guardian.co.uk/society/2012/aug/02/atos-disability-benefit-tests
(7) A Tale of Two Models: http://www.leeds.ac.uk/disability-studies/archiveuk/jolly/A%20Tale%20of%20two%20Models%20Leeds1.pdf
(8) The Ten Worst Insurance Companies: The American Association for Justice (UNUM is listed as 2nd WORST insurance company in America) http://www.Denied-disability-claim.com/media/2009/02/tenworstinsurancecompanies.pdf
(9) Welfare Reform – Redress for the disabled: http://www.whywaitforever.com/dwpatosveterans.html#docs
(10) Memorandum submitted to Prof Harrington: http://www.whywaitforever.com/dwpatosmemowcayear3.html
(11) Unum and Business: http://www.whywaitforever.com/dwpatosbusinessunum.html
(12) Mutual Benefits: Private Eye Issue 1301: http://www.private-eye.co.uk
(13) Health Claims Bureau Directors: http://www.hcbgroup.co.uk/pages/aboutus
(14) UNUM advises gvt: http://www.publications.parliament.uk/pa/cm200203/cmselect/cmworpen/401/3021203/htm (Dec ’02)
(15) UNUM advises gvt: http://www.publications.parliament.uk/pa/cm200506/cmselect/cmworpen/616/616we37.htm (Mar ’06)
(17) Unum influence in the UK continues to wreck havoc: http://lindanee.wordpress.com/2011/10/24/unum-influence-in-the-uk-continues-towreck-
(18) Downgrading disability: http://www.ekklesia.co.uk/node/17021
(19) Welfare reform tyranny direct from the USA: http://lindanee.wordpress.com/2012/07/18/welfare-reform-tyranny-direct-from-the-usa-bymo-stewart/
(20) New evidence of corporate giant’s influence on welfare reform:
(21) The Yale School of Law: The Unum Provident Scandal & Judicial Review of benefit denials under ERISA:
(22) Budget cuts could downgrade UK rights watchdog’s UN status:
(23) The Equality and Human Rights Commission is being destroyed
(24) An academic responds with disbelief to Aylward’s denial of responsibility:
(25) Disabled or faking it? http://www.bbc.co.uk/iplayer/episode/b01lldrc/Panorama_Disabled_or_Faking_It/
(26) Liberal Democrat Conference: Party votes to review impact of welfare reform:
And here’s George Potter speaking out at the LibDem Conference last year. I’m not a supporter of the LibDems but I take my hat off to him for having the bravery to criticise his own party at their own conference.