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UnitedHealth used an AI model it knew had a 90% error rate to cut off care for elderly patients, and kept using it because almost nobody appeals — that is the allegation at the centre of a class action now in discovery in Minnesota. When patients did push back more than nine in ten denials were reversed on internal appeal or before a federal administrative law judge. Denials that rarely survived scrutiny, and scrutiny that rarely arrived. One of the AI's victims is Gene Lokken (91) who broke his leg and ankle in a fall. UnitedHealth covered three weeks of nursing-home rehab, then stopped while his physical therapist's notes still recorded weakness and reduced mobility. His family paid $12,000 to $14,000 a month out of pocket until he died a year later. His estate is the lead plaintiff.