Disability Insurance Claim Denied?
The largest disability insurance company in the United States, Unum, is facing a huge number of lawsuits claiming that the company unfairly denies hundreds of thousands of legit insurance claims just to raise its profits through the roof. Claims were denied for the following reasons
- Pre-existing condition
- Condition not covered
- Procedure experimental
- Procedure elective
Formerly known as Unum Provident, Unum caters to an estimated 17 million Americans 40 percent of the US populations disability insurance carriers, and more than 25 million people worldwide. Unum offers group and individual insurance programs such as voluntary critical illness insurance, long term care insurance (LTCI), long-term disability income protection, short term disability income protection and life insurance.
Fraud and breach of contract are two of the many allegations in lawsuits filed against Unum. Victims are claiming that Unum failed to fairly and properly compensate the insured for a particular loss that is supposed to be covered by their policy as well as unreasonably and intentionally delaying payments that are due under the policy. In 2005, the Department of Labor announced that Unum Group is unjust and unfair.
Examples of Unum’s Denial Tactics are:
- Partially paying a claim for total disability
- Changing policies after claims are filed and without the knowledge or authorization of policy holders
- Misleading medical records, often by their independent medical examiners
- Improperly investigating the claim and obtaining opinions from unqualified people/supposed experts
- Refusing to acknowledge their disability, especially mental disorders, fibromyalgia and chronic fatigue syndrome
- Demanding repeated requests for independent medical examinations or denying a claim without any medical examination.
- Denying a claim with the intent to wear the claimant down to a lower settlement
- Arguing that the claim is a pre-existing condition
- Use of detectives, friends, co-workers and neighbors in an attempt to discredit the disability
The Department of Labor ordered Unum to perform a reassessment, upon request, for insurance claims that were terminated or denied between January 1, 1997 and December 1999. Under the settlement, Unum agreed and reevaluated claims until December 31, 2006. In 2008 the Unum Group agreed to an amount of $40 million as settlement in a federal class action lawsuit.
If your insurance claim with Unum was terminated, unfairly denied or was granted and then terminated later on, you can be qualified for a financial compensation to help you recover from any damages and loss through a Unum class action lawsuit even though the status of your claim has already expired. Please Contact Us and provide any details along with contact information. If you prefer to leave a voicemail you can call 1.858.236.9020. GetClassActionMoney.com can then forward these requests to our network of attorneys that may contact you if a Class Action Lawsuit is to be pursued.
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