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Remember, this is a special tvonly offer, and its not available in stores. This incredible offer will end without notice, so you must call or go online right now. The preceding paid presentation for copper chef was brought to names. It would be all the large brand names, john hancock, met life, prudential. Many have sat done and made right. Reporter no one disputes that insurers pay out on policies when the beneficiary files a proper claim. But, says Kevin Mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policy holders had died. Says, the companies would chance cancel the policy and keep the death benefit. Life policy in florida january, 2002. Insurer died in april. 2008. We actually have in the Insurance Companys file, a copy, a scan copy of the death certificate. And the accompanying envelope which displayed the spouses return address. With the spouses address on it. Let me see. Less than one month after the death. The policy was terminated for nonpayment. Industry lobbyists like this one at recent hearing in florida. Argue that the burden falls on the ben fish ears. If you sign the contract. You are obligated to know what is in it. Have to make the claim and show up with the copy or policy itself. Yeah. If they didnt do that. We dont have an obligation. The florida law says something too. You have to look ate, not in just in terms of the contact. But your responsibilities under the florida insurance code. I am here to say that you have a responsibility to investigate a claim if you know some one has died. And if you have a letter that says you are deceased you have are regulated separately by each state. He says similar laws are on the books across the country. State regulators first got wind of the Insurance Industry practice from jim hartley and jeff drubner run a Technology Auditing company, veris financial. Based on an insider tip in 2006. Employing techniques he used as an fbi agent combed through Insurance Company data and discovered that the insurers were routine leap using the Social Security death master file which is a constantly updated list of people who have what was the significance to you that they were using the death master file for something. I knew at that point that they knew. They know who they insured. If they have a list of everybody that passed away. I knew that they new. So what was the next step . The next step was speak to the states. There wasnt one treasurer, controller or attorney general who didnt have a reaction that this, this shouldnt be allowed drubner went on to discover. Most Insurance Companies use the death master file when it was to their advantage. To cut off annuity or retirement payments once the policyholder died. But they didnt then notify the Life Insurance side of the company. We have actual cases, leslie, where a policy holder had beth an annuity l annuity. They knew the person was dead. And claimed over here they didnt know he was dead. When we went in and looked in the memos. The right side told the left side. You saw it in the audits. We saw it in the audits. Reporter Something Else they insurance policies. That in addition to a death benefit. Build up a cash nest egg like 401 k . What they found is that when a beneficiary did not come forward, the company continued to pay themselves premiums out of the dead persons nest egg. In this 20,000 policy. The nest egg was drained down more than 9,000 to 0. After the person had died. California controller betty yee was widespread in cases where beneficiaries did not come forward. How can you not be outraged by this . She says in about a third of the cases, there was evidence of death in the file. Is this the file you saw with the word deceased in large unmistakable letters . Deceased with the date of death. Still they didnt stop paying no. No. You would have thought with that kind of indication the next step would be to confirm that, by looking up a death master file. Beginning the claims process. With the family member. They didnt. When the cash was used up. The companies cancel the policy. Under the law theyre allowed to use, paying premiums using accumulated cash while alive. Mccarty says the law was intended as a way to protect consumers. For instance if you have a life policy, and you lose your job and you cant make your premium payment. They will take some cash built up in the policy and pay the premium. Great for consumer protection. Reporter in this situation, i think it is tantamount to stealing when you know, and you know in your books and records the person its dead. And you drain the policy. Now if you think about that. If you would have explained that, frying to sell that policy. At the beginning. Sitting in your kitchen and saying, you know you have got all of these symbols of security and financial stability. We will be there for you with your family. And their grief. But nay say, by the way, if you stick that policy in a sthu box and stick it in your closet. Not only are we not going to look for you. We are going to take all the cash value in it. Give it back to the company. And leave your beneficiary with nothing. Here, sign here. To watch the full report. Go to cbs news. Com. U. S. Olympic swimmer anthony earvin is completing a comeback. Anthony earvin was so determined to finish strong friday night in the 50 meter race. When he touched the wall to win turned around and saw the one next to my name. Smiled, laughed. And knew my brother and friend were in. I let loose a roar. Hopefully they could hear. Record keepers heard it too. With this gold and the one he shared for last weeks 4 x 100 meter relay, earvin ties the record the olympic athlete with the longest gap between medals. In 2000. When at 19 years old, he tied for gold in the same race he won on friday. At 19 it was such a flurry of new experiences. So daunting that not long after he walked away from the pool for almost a decade. He battled depression. Struggled with his identity. Even attempted suicide. He also sold his gold medal. But now he has the got two new one to take its place. Going to keep these gold medal sntz. Keeping them for now. Unless you want to try them on . Of course i want to try them on. Try them on. It is about you too now. Earvin is planning to use his success to help others not himself. It is comforting to know, whatever way, misguided or not it can give inspiration to others. Inspiring others led him to write chasing water it looks like he published it too soon. The new chapter not in the book. What do the you want people to learn from you now . I dont know. Give me a few years to write about it. Despite talk about his age he is not giving up the pool look last gold medal. You are not going to retire . No. You are 35. Yeah. How old are you . Going to retire next year . Everybody wants to resist aging. There is dignity in that. Its its a good thing. Right . Earvin isnt ruling out a sprint for gold in tokyo in 2020. One thing that would be new if he does compete there, fatherhood. He revealed after his win over the weekend, that he is the father to a newborn baby girl. But he hasnt been able to meet nature at its worst. Thousand are forced from their homes by floods in the deep south. And fire in the far west. All of our neighbors, look at what they have to come home to. Its horrible. Also tonight trump does an aboutface. We will also work closely with nato on this new mission. A mission to defeat isis. A new study find many parents are risking their infants lives by putting them to sleep the wrong way. Dr. Jon lapook will show us the right way. And the fastest man on space. Im on top of the moon announcer this is the cbs overnight news. The floodwaters in louisiana have started to recede but the death toll is rising. And the danger is far from over. The flooding is blamed for at least six deaths, more than 20,000 people have been rescued so far. And more than 2,000 homes have been damaged. This was one of the more dramatic resc the driver screamed im drowning. And david fong jumped in. Get my dog. Get my dog. Shes gone. No, she better not be. I got your dog oh. Driver and dog. We have more on this disaster now from Omar Villafranca in baton rouge. Reporter from the air it is hard to find dry land in southeastern, louisiana, Tangipahoa Parish is covered in several feet of brown water. Sergeant paul meeker took us on a searchandrescue mission in the flood zone. A lot of people stay until the power goes off. Pulled more than 7,600 people from the floodwaters. At least four rivers stretching across southern louisiana reached record highs. The river rose to 17 feet above floodwater. Dahlia walker says leaving was difficult. But she had no other choice. We wok up. Unbelievable the water we had in the yard. And i really didnt want to leave my home. I really wanted to stay at home. But i couldnt put my life as reporter Maryellen Morgan and her family were rescued before the water overtook their home. So glad yall are doing this. Are yall firemen or something. No, maam. Just good guys. I dont know. My wife might disagree with the statement. Henri dufresne and jar johnson rescued people. They are shocked, people are there to help them. Everything they own is ruined. Is there to help them. They just, you know you see a look of relief on their face, going to get out and get to high ground. 500 red cross workers are on their way here to help residents. Scott, this is the largest u. S. Disaster response since hurricane sandy. Omar villafranca, airi eric fisher, whats next . The rainfall starting to move a little farther toward the west. See all the tropical moisture being drawn up out of the gulf of mexico. So the focus for flooding rain will move a little bit. A ridge of High Pressure off the eastern seaboard, steering the tropical moisture into central, southeastern texas pushing it into the midwest. We head through tonight and into the day tomorrow. This will be the corridor for the next chance of flooding rainfall. Several inches potentially. San angelo, and texas, of to detroit. Same time, east of about the seat. Summer swelter is ongoing. 90s for the next couple days on the eastern seaboard. Scott, d. C. Hit 100 for a third day in the row today. Just shy tomorrow. 97, hot enough during the brutal stretch. Eric fisher, wbz. Thank you. Watching the weather tonight in california where a roaring wildfire, 90 miles north of san francisco, has reduced at least 175 homes and businesses to smoldering rubble. Mireya villarreal is there. Firefighters were no match for the clayton fire as the it tore through the small town of lower lake in less than an hour. Sherri scarboroughs home burned to the ground. This is all we have known our whole life. All of our neighbors. Look what they have to come home to. Its horrible. Absolutely horrible. Reporter the fire started on slow saturday afternoon. Sunday it exploded, scorc nearly 40 of downtown area. Over 1,500 homes remain threatened by the blaze. Cal fires daniel burlant. We werent prepared. The wind were going to be as strong as they were. When hundred and hundreds of embers are raining down on home. If the homes arent built with Construction Materials that will stand them. Doesnt matter the number of firefighters you have. Home are going to be destroyed. Nothing is left of the from lower lakes history. What do you do from here . Well, i dont know. You know. When i think about everything that was in there. It any just shocking. This was a great building. And a great town. Reporter the wind picked up a little bit this afternoon. We are in the middle of a heat wave. Which is why firefighters continue to monitor this area for hot spots. They tell me, scott theyre rubble searching for anything that could be salvageable for homeowners who have lost everything. More on stories tomorrow on cbs this morning. Mireya villarreal, thank you. The cbs overnight news will be down the principles of his counterterrorism policy. He said that tim grants who dont believe in the constitution should be banned. The rise of isis is the direct result of policy decisions made obama and secretary of state clinton. In a speech that offered no new tactical idea to combat islamic terrorism, donald trump said the battle cannot be won until the enemy that is radical islamic terrorism is named. We have a president that doesnt want to say the words anyone who cannot name our enemy is not fit to lead our country. False claim. I was an opponent of the iraq war from the beginning. A major difference between me and my opponent. Reporter trump did not publicly express skepticism about the u. S. In vaegs until five months after it began. Trump had tough word about u. S. Troops leaving iraq end of 2011. They said we are moving out. Here is our time. Here is a date. Who would do t incompetent president. Trumps criticism left out the fact that president george w. Bush negotiated and approved the timeline. On immigration, trump said regions with terrorism would lose privileges and the u. S. Would apply ideological tests for admission. The time is overdue to develop a new Screening Test. For the threats we face today. That include tests of applicants for hostile attitudes. Nose w those who do not believe in our constitution or support bigotry and hatred will not be admitted for immigration into our country. Trump also called for Strategic Alliance with russia to do battle against isis. Scott, this overlooks moscows support for the assad dictatorship in syria and the islamic regime in iran. Major garrett with the campaign. Thank you. Trump stuck to his text and avoided gaffes that have sent his poll numbers plummeting since last months convention. Hillary clinton whose lead is formidable, had a different view of counterterrorism today. Heres nancy cordes. The secret he is has no plan. In scranton, pennsylvania, clinton argued, trumps terror proposals vary by the day. Become a free zone for isis, a major country in the middle east that could launch attacks against us and others. Talked about sending ground troops, american ground troops. Well that is off the table as far as i am concerned. Unlike trump, clinton wants to increase the number of Syrian Refugees the u. S. Lets in from 10,000 to 65,000. She says the vetting process is already extensive. And she argues she will work better with moderate muslims who are the key to defeati they canhe scant be trusted. Vice President Biden had a skr to settle after trump called president obama the founder of isis. Let me tell you why it is a dangerous statement. Why, as he might say, the bad guys are listening. Biden pointed out that the leader of the Terror Group Hezbollah had seized on trumps accusation over the weekend. And i say to all those who are there, the threat to their life has gone up a couple of clicks. Its gone up a couple of clicks. Reporter biden went so far to say that if his son had been deployed by a president trump, he would have thrown himself at his sons feet to prevent him from going. He is hoping that statements like that gets some attention here in working class scranton, scott, which is the town where he grew nancy cordes in the battleground state of pennsylvania. Nancy, thank you very much. Tonight a curfew goes into effect in milwaukee at 10 00 in the hope of heading off a third night of violence. Riots erupted saturday after a black suspect was fatally shot by a black police officer. Demarco morgan in milwaukee. Reporter today as milwaukee residents struggled to find for protesters. Do not do further damage to this great neighborhood. Reporter the shooting death saturday of 23yearold Sylville Smith triggered protests that ended with torched out businesses including this bp gas station. It does appear things are starting to get out of control. Reporter more than a doz any rests. Police some in riot gear quickly found themselves in the paths of rocks, broken glass, even suspect had a handgun with 23 round when he ran off after being pulled over in a traffic stop for having a suspicious vehicle. When asked to drop his weapon, police say he refused. He was shot twice. Once in the chest. And arm. Milwaukee police chief, ed flynn. Whether the shooting turned out to be completely justified or whether it wasnt, that wasnt the issue. The issue was this is a flash years of racial disparity. 49 of black children in wisconsin are living in poverty. Wisconsin also incarcerated the most black men in the country. In milwaukee county. Half of all black men in 30s and 40s have served time. City Alderman Russell sandford says better policing could help ease tensions. They were passing out baseball card. Got to talk to the police. Got to know who they were scott, the officer involved in the shooting was wearing a body camera. We tried reaching out for comment but did not get a response. He has been placed on administrative duty. Demarco morgan, thank you very much. Coming up next how to reduce the risk of sudden in fant death syndrome. And later, the man who dont let dust and allergens get between you and lifes beautiful moments. Flonase gives you more complete allergy relief. Most allergy pills only control one and six is greater than one. Flonase changes everything. . Our bacteria familys been on this cushion for generations. Alright kiddos everybody off the backpack, em clean, but theyll never get me on the mattress finally theres a disinfectant mist designed for sofas, mattresses and more. Introducing new lysol max cover. Its innovative cap has a 2x wider spray that kills 99. 9 of bacteria. Max cover is another great way to lysol that. Lets feed him to the sharks squuuuack, lets feed him to the sharks yay ya and hide it from the crew ya. . Squuuuack, theyre all morons anyway i never said that. 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It is a tragedy that happens 3500 times a year. A parent puts an infant to sleep and the child never wakes up. Most often the cause is sids, sudden infant death syndrome. A new study out today find that many parents are not doing all they can to reduce the risk. Here is dr. Jon lapook. Reporter like so many new parents, Janelle Hanley focused 1yearold daughter cameron to sleep. No loose blankets, toys, loose fabric in her crib whatsoever. Reporter she puts her to sleep on her back which is also the current recommendation by pediatricians. According to todays study in pediatrics hanley is among the few doing it right. Researchers videotaped, 160 babies sleeping at 1, 3, 6 months. At 1 month. 91 slept with items, bedding, bumper pads. By six months that number was over 90 . At 1 month. 14 were not placed to sleep on their back. By 6 months it more than doubled to 33 . Dont worry about the babies when collick is part of the picture. This doctor is a pediatrician. Babies should have their own sleeping environment. Babies should also not have any stuffed animals in their sleeping environment. And they should be placed on unsafe behaviors to mixed messages such as availability of crib bedding and also to tired parents. It is probably on the part of pediatricians to get the word out a little bit more about sids dangers. We have a lot of generational things that have been passed down over and over and over that we have gotten comfortable with doing that maybe we shouldnt be doing. The study also found when infants were moved overnight, most often to a parents as room, the new sleeping site generally was more bed sharing is a risk fact for for sids and soft bedding and loose objects may cause suffocation by covering an infants nose and mouth. Dr. Jon lapook. Thank yo many sleepaids have Pain Medicine but zzzquil is different because why would you take a Pain Medicine when all you want is good sleep . Zzzquil a nonhabit forming sleepaid thats not for pain, today, florida confirmed two more people infected with the zblichlt zika virus. 30 transmissions by mosquitoes in miami. No other state rep borne infections. The virus can cause severe birth defects. Tonight new yorks Kennedy Airport is back to normal. It was bedlam last night after reports of gunshots set off panic. Three terminals were evacuated. Airlines grounded or diverted flights. Witnesses say they heard shots. But the police found no evidence of that. There was a real scare for a bear in alaska. Sunny was watching her three when one slid over the top. A second followed. She sprung into action to fish them out just as the the third cub washed over the falls. All three of them were saved. A teaching moment for the trio. No doubt. Coming up next, usain bolts we end tonight with the fastest man on earth. Usain bolt, he won his Third Straight olympic gold medal in the 100 meters yesterday in less time than it took me to tell you about it. Here is ben tracy. Reporter when usain bolt ran away with the gold in the suck all the oxygen out of the stadium. Here he is. Still invincible. Usain bolt reporter of course jamaicans in rio went bonn bonkers. When this is your title. Who is the fastest man in the world . Usain bolt. Everybody knows your name. Bolt, bolt, bolt. Usain bolt. The greatest shows in sport. Unlike Michael Phelps who is seriously in the zone before each race. Bolt does this. Usain bolt when everybody else looks like theyre dying during the race, bolt does this. And this particular bolt of lightning has now struck three times. The first person to win gold in the 100 meters in three olympics. So how fast is he . Maxes out at 12 miles per hour. Bolts foot speed clocked at nearly 28 miles per hour. Belt what he is known best for may be his signature move. That was pretty good. Now so iconic he can only be outdone by the biggest outstretched arms in rio. Ben tracy, cbs news, rio de janeiro. Thats the cbs overnight news for this tuesday morning. For some of you the news continue thousands. Of course cbs this morning. From the Broadcast Center in new welcome to the overnight news. Republican nominee donald trump has laid out his vision to fight terrorism in a major speech in ohio. Trump said the United States will use military, cyberand terror groups bike islike isis. He did not offer specifics but did pro vise a test to screen immigrants for extremist views. Heres just some of what trump had to say. Unlike Hillary Clinton who has risked so many lives with her careless handling of senseless information. My administration will not telegram exactly military plans Douglas Macarthur and the great general George Patton would be in a state of shock if they were alive today to see the way president obama and Hillary Clinton tried to recklessly announce their every move before it happens. Like they did in iraq. So that the enemy can prepare and adapt. Their enemy says thank you. A Trump Administration will will govern all decisions pertaining to immigration. And we will be tough. And we will be even extreme. Extreme. We should only admit into this country those who share our values and respect our people. Ideological Screening Test. The time is overdue to develop a new Screening Test for the threats we face today. I call it extreme vetting. I call it extreme, extreme vetting. Our country has enough problems. We dont need more. And these are problems like we have never had before. Theru back against a new report that links its chairman to alleged corruption in the ukraine. The New York Times says a pro Russia Political Party set aside millions in secret cash for paul manifort. He denies he got any such payment. Paul maniforts ties to the pro russian former president of ukraine are well document. New details about the money allies are likely to amplify, Donald Trumps claims he is facing media bias a cording to the New York Times, 12. 7 million was earmarked for paul m manifort, victor yanokovic. That is according to a socalled black ledger analyzed by ukrainian anticorruption investigators who believe it documents an illegal off the books cyst temperature whose recipients included election officials. Manifort denied it. I have never received a single off the books cash payment as falsely reported by the New York Times. Nor have i done work for the governments of ukraine or russia. The suggestion that i accepted payments is unfounded, silly and nonsensical. The Clinton Campaign called the news troubling. Adding trump has a spent to disclose maniforts and campaign employees ties to russian or pro crooked media. Thats what i am running against. Reporter the report provides more ammunition for trumps ongoing clash with the New York Times. We have a newspaper that is failing badly, a real garbage. They are garbage. Garbage paper. Maybe well start thinking abut taking their press credential as way from them. Beyond the media bashing, trump its setting up another excuse for losing. Voter fraud. The only way we can lose in my opinion, iy pennsylvania, is if cheating goes on. I really believe it. Reporter trump called for volunteer election monitors. Go around and look and watch other polling places. Make sure it is 100 fine. Democrats have carried pennsylvania in six straight president ial elections. There are nearly 1 million more registered democrats there than republicans, mathematically undercutting trumps claims that learning more about Armed Robbery of four u. S. Olympic swimmers at the games in rio. One victim. 12 time medalist, ryan lochte. As ben tracy shows, the attack is highlighting security concerns for athletes an fans. Reporter just the kind of thing olympic officials have been worried about. Since the games began, athletes and coaches from other countries hatch been robbed at knife or gun point here in rio. The first time we heard of it happening to american athlete. They pulled out their guns. They toeld the other swimmers. Reporter ryan lochte says the mugging happened after he and fellow swimmers left a party at frances hospitality house early sunday morning. This is snap chat video of them partying in rio. The four swimmers got in a cab and say they were pulled over by robbers posing as police. When they ordered lochte to get on the ground. He says he refused. I was like, we didnt do so i am not getting down on the ground. And then the guy pulled out his gun. He cocked it. Put it to my forehead. He said get down. And i was like, put my hand up. I was like, whatever. Reporter they lost their money and wallets. But nobody was hurt. Last week, lochte won gold on the u. S. Mens relay team. But then failed to medal in his final race last thursday. Ryan lochte is off the podium. He has been hanging out in rio since then. I can tell you from ryan absolutely not true. It is not clear why olympic officials first denied the mugging happened and then backtracked. Michael phelps says he felt well protected in rio. No matter where i am going. I have a team, personally who is always looking out for everything. And and the u. S. Swimming is making sure we are as protected as we can be. During the olympics, stray bullets have flown through the carrying media was pelted by rocks. When we first came to rioen june we went on patrol with the police force. Rio has seen a 40 spike in street crime since last year. Do you think the people coming here for the peck piolym have anything to worry about . This Police Commander told us more tour tists would mean more opportunities for crime. Reporter the United States Olympic Committee says they tar protocols with all american athletes. When we asked them what the protocols are and if going out at night without security would violate them. They told us they dont discuss security issues. The cbs overnight news will our bacteria familys been on this cushion for generations. Alright kiddos everybody off the backpack, em clean, but theyll never get me on the mattress finally theres a disinfectant mist designed for sofas, mattresses and more. Introducing new lysol max cover. Its innovative cap has a 2x wider spray that kills 99. 9 of bacteria. Max cover is another great way to lysol that. This pimples gonna last forever. Aw comon. Clearasil ultra works fast to begin visibly clearing up skin in as little as 12 hours. And acne wont last forever. Lets be clear. Clearasil works fast. Breyers Peanut Butter gelato, rich chocolate sauce. Peanut butter cups. Tonight is perfect. Can someone read me another story . Daddd . Mmm coming breyers gelato indulgences its way beyond ice cream. Our daughter, libby, is convinced that the washing machine will eat her buddy antonio. So, when its time for his bath. We only trust tide to get rid of the weekold stains and new details in the dramatic twist of a murder case that became a phenomenon on social media. Friday a federal judge overturned conviction of brandon dassey, captivating audiences in making a murderer. Vladamir duthier has the the st reporter heavily scrutinized since netflix released making a murderer portrayed as confusened and vulnerable now. A judge is critical of how he was interrogated by investigators. Who shot her in the head . He did. Reporter in the tenpart Series Making a murderer, 16yearold dassey confesses to helping steven avery, rape, murder and mutilate a woman in wisconsin. Cut her. Cut her where . On her throat. Reporter a u. S. Magistrate judge concluded investigators made repeated false promises while interrogating dassey. Factors, age. Intellectual deficits and absence of supportive result, rendered his confession in voluntary. State prosecutors havee given 90 days to decide whether to retry or release dassey. The now 26yearold serving a life sentence alongside, steven avery, following separate trials. The confession is the product of police contamination. You had a young man who believed that the only way he was going to get out of that room was to tell these Police Officers what they wanted to critics including former wisconsin state prosecutor, ken kratz maintain making a murderer series is bias and ignore incriminating evidence. In a statement to cbs this morning, the documentary film maker said this recent news shows the criminal Justice System that work. We will continue to document the story as it unfolds and follow it wherever it may lead. I think it made this judge be even more careful. More thorough in thats why we have a very well reasoned, 91page, opinion. The Wisconsin Department of justice which handled the case says it has no comment and remains to be seen how fridays ruling will affect steven avery a case. In a statement, the Attorney Says invalidation of the dassey confession is a giant step forward in exposing the extraordinary starts here. New ky intense. A stimulating gel that takes her pleasure to new heights. Ky intense. Olay regenerist renews from within. . Without the need for fillers. Your concert tee might show your age. Your skin never will. Olay regenerist. Olay. Ageless. And try the microsculpting cream you love now with lightweight spf 30. Take a look at these bbq trophies yep, greatness deserves recognition. You got any trophies, cowboy . . Whoomp there it is . Uh, yeah. Well, uh, well theres this one. Best insurance mobile app . Yeah, two years in a row. Well ill be. Does that thing just follow you around . 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The beneficiary never comes forward he or she doesnt know the policy exists. Reporter but the companies florida who led the National Task force investigating the industry. And the companies dont pay he says unless a beneficiary makes a claim. What we found is that companies have actual knowledge in their files that people have died yet they have neglected to initiate an investigation and pay the claim. Life Insurance Companies are failing to pay out death benefits when they know the claiming they dont know. In many cases, that has been the, that has been exactly what we have found. Reporter when you found that, what, what went on inside you . My first instinct was of course, unleash the hound of hell lets go after them. And expose them. For the, for the unconscionable indefensible behavior that was going on. Reporter he says some of the 10,000. As the a result. Joseph got a payment of 5,000 from his sisters policy. I was the administrator of her estate when she died in june 1990. We didnt know anything about this at all. You are talking about millions of policies. Hundreds of thousands of policies were dooealing with i florida. Reporter jeff atwater, chief Financial Officer in florida in charge of regulating the state insurance agency. You can assume from what we have found, policies that should have been paid out in 60s, 70s, 80s, 90s were never paid. You are saying it is part of their plan. After all we looked at, hard to imagine. Not a small dollar amount. Billions of dollars that stay in the investment cuts of these Insurance Companies, rather than return money to the families. Till us some of the big brand names, john hancock, met life, prudential. Many have sat done and made right. Reporter no one disputes that insurers pay out on policies when the beneficiary files a proper claim. But, says Kevin Mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policy hoeders had died. Unless someone filed a claim, he says, the m tchance cancel the policy and keep the death benefit. Life policy in florida january, 2002. Insurer died in april. 2008. We actually have in the insurance scum pcompanys file, copy, a scan copy of the death certificate. And the accompanying envelope which displayed the spouses return address. With the spouses address on let me see. Less than one month after the death. The policy was terminate ford nonpayment. Industry lobbyists like this one at recent hearing in florida. Argue that the burden falls on the ben fish ears. If you sign the contract. You are abli gate obligated to is in it. Skawe Companies Argue that t have to make the claim itself. Yeah. If they didnt do that. We dont have an obligation. The florida law says something too. You have to look ate, not in just in terms of the contact. But your responsibilities under the florida insurance code. I am here to say that you have a responsibility to investigate a claim if you know some one has died. And if you have a letter that says you are deceased you have knowledge that the person has died. Reporter insurance scum pans state. He says similar laws are on the books across the country. State regulators first got wind of the Insurance Industry practice from jim hartley and jeff drubner run a Technology Auditing company, veris financial. Based on an insider tip in 2006. Employing techniques he used as an fbi agent combed through Insurance Company data and discovered that the insurers were routine leap Social Security death master file which is a skon taconstant updated list of people who have died in the United States. What was the significance to you that they were using the death master file for something. I knew at that point that they knew. They know who they insured. If they have a list of everybody that passed away. I knew that they new. So what was the next step . The next step was speak to the states. Controller or attorney general who didnt have a reaction that this, this shouldnt be allowed to thap pehappen. Drubner went on to discover. Most Insurance Companies use the death master file when it was to their advantage. To cut off annuity or retirement payments once the policyholder died. But they didnt then notify the Life Insurance side of the company. We have actual cases, leslie, where a policy holder had beth an annuity and a le they term nateterm terminate annuity. And claimed over here they didnt know he was dead. When we went in and looked in the memos. The right side told the left side. You saw it in the audits. We saw it in the audits. Reporter Something Else they saw related to whole Life Insurance approximately seize. That in addition to a death 401 k . What they found is that when a beneficiary did not come forward, the company continued to pay themselves premiums out of the dead persons nest egg. In this 20,000 policy. The nest egg was drained down more than 9,000 to 0. After the person had died. California controller betty yee says that kind of siphoning off was widespread in caseshe forward. How can you not be outraged by this . She says in about a third of the cases, there was evidence of death in the file. Is this the file you saw with the word deceased in large unmistakable letters . Deceased with the date of death. Still they didnt stop paying themselves . No. No. You would have thought with that kind of indication the next step beginning the claims process. With famt lythe family member. They didnt. When the cash was used up. The cup paeompanies cancel the. Under the law theyre allowed to use, paying premiums using accumulated cash while alive. Mccarty says the law was intended as a way to protect consumers. For instance if you have a life policy, and you lose your job and you cant make your premium payment. They will take some cash built up in the policy and pay the premium. Great for consumer protection. Reporter in this situation, after they die. I think it is tantamount to stealing when you know, and you know in your books and records the person its dead. And you drain the policy. Now if you think about that. If you would have explained that, frying to sell that policy. At the beginning. All of these symbols of security and financial stability. We will be there for you with your family. And their grief. But nay say, by the way, if you stick that policy in a sthu box and stick it in your closet. Not only are we not going to look for you. We are going to take all the cash value in it. Give it back to the company. And leave your beneficiary with nothing. Here, sign here. To watch the full report. And click on 60 minutes. U. S. Olympic swimmer an anthonyer earvin is completing a come back. Anthony earvin was so determined to friday night in the 50 meter race. When he touched the wall to win the gold he jammed his finger. Turned around and saw the one next to my name. Smiled, laughed. And knew my brother and friend were in. I let loose a roar. Hopefully they could hear. Record keepers heard it too. With this gold and the one he shared for last weeks 4 x 100 meter relay, earvin ties the record the olympic athlete with 16 years. That journey started in city in 2000. When at 19 years old, he tied for gold in the same race he won on friday. At 19 it was such a flurry of new experiences. So daunting that not long after he walked away from the pool for almost a decade. He battled depression. Struggled with his identity. Even attempted suicide. He also sold his gold medal. But now he has the going to keep these gold medal sntz. Keeping them for now. Unless you want to try them on . Of course i want to try them on. Try them on. This isnt about me. It is about you. It is about. These are heavy, man. It is about you too now. Earvin is planning to use his success to help others not himself. It is comforting to know, whatever way, misguided or not it can give inspiration to others. Write chasing water it looks like he published it too soon. The new chapter not in the book. What do the you want meem peopl learn from you now . I dont know. Give me a few years to write about it. Despite talk abut his age he is not giving up the pool look last gold medal. You are not going to retire . No. You are 35. Yeah. How old are you . Going to retire next year . Everybody wants to resist why . You dont need to resist aging. There is dignity in that. Its its a good thing. Right . Earvin isnt ruling out a sprint for gold in tokyo in 2020. One thing that would be new if he does compete there, fatherhood. He revealed after his win over the weekend, that he is the father to a newborn baby girl. But he hasnt been able to meet her yet because she was born during the olympic trials. Thats the cbs overnight news for this tuesday morning. Continues. For others check back with us later for the morning news and cbs this morning. Frfrfrg. B . . Its tuesday, august 16th, 2016. This is the cbs morning news. Thats how donald trump describes his latest plan to take on terrorism. The cold war era test hed put immigrants through on their way to the United States. The suspect is in jail tonight. Breaking overnight evacuees erupt in applause on
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