On December 4, 2024, Brian Thompson, CEO of UnitedHealth Group, was shot and killed on the streets of New York. The suspected murderer of the CEO, Luigi Mancione, 26, graduated from the Ivy League University of Pennsylvania with a bachelor's and master's degree in engineering. He also had a prominent family background and was the guy of a real estate developer family in Baltimore , USA.

2024年12月4日美國聯(lián)合健康保險(xiǎn)公司CEO布萊恩·湯普森在紐約街頭遭槍殺，而涉嫌殺害CEO的兇手，路易吉曼喬內(nèi)，26歲，藤校賓夕法尼亞大學(xué)，工程學(xué)學(xué)士和碩士學(xué)位，家世也顯赫，是美國巴爾的摩一個(gè)地產(chǎn)商家族的孩子。
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Brian, who was murdered, worked at UnitedHealth Group for 20 years and was promoted to CEO in 2021. Under his management, UnitedHealth Group became number one in the United States, with a market share of 15%, but a claim rejection rate of 32%, which was twice the industry average of 16%.

被殺的布萊恩在美國聯(lián)合健康保險(xiǎn)公司做了20年，2021年提干當(dāng)了CEO， 在他的管理下聯(lián)合保險(xiǎn)公司做到了全美第一，市場占有率15%，但拒賠率32%，比同業(yè)的平均水平16%高一倍。

The evidence the prosecution currently has is:
1. The ballistic characteristics of the 3D printed pistol and silencer in Mancione's possession matched the three shell casings found at the crime scene ;
2 Mangione's fingerprints were found on a bottle of water and snack packaging near the crime scene;
He should be the one who killed the CEO, but no one wants to convict him
3. When Mancione was arrested, he was holding a handwritten document expressing his dissatisfaction with the American medical system , which the prosecutor believed constituted a motive for the crime;
4 Surveillance video showed that Mangione was near the scene of the shooting at the time of the shooting;
He should be the one who killed the CEO, but no one wants to convict him
5 When Mancione was arrested, he was in possession of a fake New Jersey driver's license that matched the name the gunman had used when he checked into a Manhattan hotel.
There is another detail. The bullet that killed the CEO was engraved with " Deny, Depo, Defense".

檢方現(xiàn)在掌握的證據(jù)有：
1 曼喬內(nèi)持有的3D打印手槍和消音器的彈道特征，與犯罪現(xiàn)場發(fā)現(xiàn)的三枚彈殼相符;
2 曼喬內(nèi)的指紋被發(fā)現(xiàn)于犯罪現(xiàn)場附近的一瓶水和零食包裝上;
3 曼喬內(nèi)被捕時(shí)持有一份手寫文件，其中表達(dá)了對美國醫(yī)療系統(tǒng)的不滿，這個(gè)是檢方認(rèn)為構(gòu)成犯罪動機(jī);
4 監(jiān)控錄像顯示，槍殺發(fā)生時(shí)間，曼喬內(nèi)出現(xiàn)在案發(fā)地點(diǎn)附近;
5 曼喬內(nèi)被捕時(shí)持有一張偽造的新澤西州駕駛執(zhí)照，該證件上的名字與槍手事前入住曼哈頓旅館時(shí)使用的假名相符。
還有一個(gè)細(xì)節(jié)，殺害CEO的子彈上刻有」Deny，Depo， Defense「中文翻譯為「拒賠，取證，抗辯」。

The basic process of insurance companies refusing insurance is to first raise various reasons for refusal when a claim occurs, such as non-disclosure or false statements, exemption clauses , or policy expiration. Then, through Depo, a litigation procedure unique to the British and American judicial system, both the plaintiff and the defendant can obtain written or video evidence from the other party and witnesses. If it is raised by the insurance company, it will involve whether the insured has undisclosed diseases or risks when applying, and whether there are exemptions mentioned in the policy terms. Whether the claim amount matches the facts . They not only collect evidence from the parties involved, but also may be your relatives, neighbors, and colleagues. Then use the favorable evidence obtained in this lix to defend the legality of the refusal in court.

保險(xiǎn)公司拒保的基本流程是首先發(fā)生索賠時(shí)，就提出各種拒賠理由，如未披露或虛假陳述， 免責(zé)條款，或保單失效。 然后通過Depo取證，一個(gè)英美司法特有的訴訟程序，就是原被告雙方都可以向?qū)Ψ疆?dāng)事人，證人書面或視頻取證。 如果是保險(xiǎn)公司提的，都會涉及到的被保險(xiǎn)人在申請時(shí)是否存在未披露的疾病或風(fēng)險(xiǎn)，是否存在保單條款中提到的免責(zé)情形。 索賠金額與事實(shí)是否匹配。 他們不止取證當(dāng)事人，還可能是您的親人，鄰居，同事。 然后利用這個(gè)環(huán)節(jié)中拿到的有利證據(jù)再到法庭上為拒賠的合法性辯護(hù)。

During the lawsuit, the insurance company will also hire expert witnesses such as medical, legal or insurance to testify to support its position. These experts are very expensive. The ones I have come across charge between $700 and $1,500 an hour. After a lawsuit, the expert fees are tens of thousands , not including the lawyer fees. But no matter what, it is better than paying you. So don't think that if the claim is rejected, I will sue. The litigation cost is something that even a middle-class family cannot afford. Because they have a professional litigation team and a complete set of established procedures.

訴訟期間保險(xiǎn)公司還會聘請專家證人如醫(yī)學(xué)、法律或保險(xiǎn)作證支持其立場。 這些專家很貴，我所接觸到的有700美元到1500美元一小時(shí)，一場訴訟下來，大幾萬的專家費(fèi)用，還不算律師費(fèi)。 但怎么樣，總比賠給您要?jiǎng)澦恪?所以不要以為，拒賠了，我就去告，就訴訟成本，一個(gè)中產(chǎn)家庭都承擔(dān)不了。 因?yàn)樗麄冇幸恢I(yè)的訴訟團(tuán)隊(duì)，一整套既定的流程。

After his arrest, Mancione faced 11 charges in New York State , including first-degree murder . However, New York State abolished the death penalty in 2004, but he still faced four federal charges, including murder with a firearm, which allows for the death penalty.

被捕后的曼喬內(nèi)面臨紐約州11項(xiàng)指控，包括一級謀殺罪，不過紐約州在2004年廢除了死刑，不過他仍面臨4項(xiàng)聯(lián)邦指控，包括使用槍枝謀殺罪，該罪名允許判處死刑。

The decision on whether to seek the death penalty rests with the U.S. Department of Justice . If the Attorney General authorizes seeking the death penalty and it is granted, the death penalty will become an option at the sentencing stage. However, the final decision rests with the jury - 12 ordinary citizens sexted by the prosecution and the defense. These jurors come from the local community and are a cross-section of the community, representing different sectors of society .

是否尋求死刑的決定權(quán)在美國司法部手中。 如果司法部長授權(quán)尋求死刑并獲得批準(zhǔn)，死刑將在量刑階段成為一個(gè)選項(xiàng)。 然而，最終決定權(quán)在陪審團(tuán)手中——12名由檢方和辯方共同挑選的普通公民，這些陪審員來自當(dāng)?shù)厣鐓^(qū)，是一個(gè)社區(qū)的橫切面，代表社會的不同階層。

You know, civilians have suffered from insurance companies for a long time, and the most criticized thing is the lack of transparency and difficulty in claiming compensation. And Mancione is considered to be a spokesperson against exploitation and a hero of everyone. So I understand that even if the prosecutor recommends the death penalty, a death penalty requires 12 people to vote unanimously in favor, which should be difficult, so Mancione will not die.

要知道，民眾已經(jīng)無法忍受保險(xiǎn)公司的壓榨，最受批評的就是不透明，索賠難。 而曼喬內(nèi)被認(rèn)為是反剝削的代言人，大家的英雄。 所以我理解就算檢方建議死刑，判處死刑，需要12人一致投贊成票，這個(gè)應(yīng)該很難，所以曼喬內(nèi)死不了。

The more powerful defense strategy on Mangione's side is his mental state, that is, the defense attorney will prove that Mangione suffered from a mental disease or defect at the time of the crime, which prevented him from understanding the nature and consequences of his actions or judging that these actions were wrong . Fortunately, the standard of proof for this type of defense is low, and it is enough to reach the "preponderance of the evidence", that is, to the extent that it is more likely than not.

曼喬內(nèi)這邊比較有力的辯護(hù)策略，就是自己的精神狀態(tài)，即辯方律師將證明曼喬內(nèi)在犯罪時(shí)患有精神疾病或缺陷，致使他無法理解自己行為的性質(zhì)和后果，或無法判斷這些行為是錯(cuò)誤的。 幸運(yùn)的是，此類辯護(hù)的證明標(biāo)準(zhǔn)較低，只需達(dá)到“證據(jù)優(yōu)勢”，即達(dá)到很有可能的程度就夠了。

Mangione, who suffers from spondylolisthesis, underwent spinal fusion surgery in July 2023, after which he reported experiencing "brain fog" and other cognitive difficulties. In mid-2024, Mangione completely lost contact with family and friends, which led his mother to report him missing to police in November 2024. This behavior may also be used to indicate that his mental health was deteriorating.

曼喬內(nèi)本身就患有椎體滑脫癥，2023年7月接受了脊柱融合手術(shù)，術(shù)后，曼喬內(nèi)報(bào)告稱經(jīng)歷了腦霧和其他認(rèn)知困難。 2024年中期，曼喬內(nèi)與家人和朋友完全失去聯(lián)系，這導(dǎo)致他媽媽在2024年11月向警方報(bào)失蹤。 這種行為也可能用來表明他的心理健康狀況有在惡化。

One famous case worth considering is John Hinckley Jr.'s attempt to assassinate U.S. President Ronald Reagan. Hinckley 's lawyers argued that he suffered from severe mental illness and delusions , and claimed that his actions were driven by an obsession with actress Jodie Foster . He was ultimately found not guilty by reason of insanity and committed to a mental hospital. 40 years later, Hinckley was granted an unconditional release.

一個(gè)值得參考的著名案例是約翰·欣克利（John Hinckley Jr.）試圖刺殺美國總統(tǒng)隆納·里根。 欣克利的律師辯稱，他患有嚴(yán)重的精神疾病和妄想癥，并聲稱其行為是由對女演員朱迪·福斯特（Jodie Foster）的癡迷所驅(qū)使。 他最終被判定因精神錯(cuò)亂而無罪，并被送入精神病院。 40年后，欣克利獲得了無條件釋放。

Back to the case, there is another detail. At that time, Mangione was discovered and reported by a McDonald's employee. The police offered a reward of 60,000 US dollars, but the reward was subject to tax and would not be paid until Mangione was convicted . The employee was exposed online and has already resigned.

回到該案，還有一個(gè)細(xì)節(jié)，當(dāng)時(shí)曼喬內(nèi)是被麥當(dāng)勞的一名員工發(fā)現(xiàn)后舉報(bào)的，當(dāng)時(shí)警方懸賞金額是6萬美金，但獎(jiǎng)金要交稅，而且要等曼喬內(nèi)被定罪了才會發(fā)?，F(xiàn)在該雇員被網(wǎng)爆，已經(jīng)離職了。

Another interesting point about this case is that if a person really committed a crime, but under the American jury system, the jurors all sympathize with him and support him, they may refuse to find him guilty, which will lead to a "jury deadlock", that is, unable to reach a consensus. In this case, the judge may declare the trial invalid and decide whether to retry the case. This is rare in the American judicial community.

該案另一個(gè)有趣的點(diǎn)就是，如果一個(gè)人真的犯罪了，但在美國陪審員制度下，陪審員都同情他，支持他，那可能會拒絕裁定有罪，這將會導(dǎo)致“陪審團(tuán)僵局”，即無法達(dá)成一致意見。 在這種情況下，法官可能宣布審判無效，并決定是否重審案件。 這個(gè)在美國司法界很罕見。