A former Ohio State University employee is suing her long-term disability insurance provider, Unum Life Insurance Company of America, for the wrongful termination of her benefits, even after she allegedly provided adequate proof of her illness.

Plaintiff D. Stump alleges in the Unum insurance lawsuit that she was provided with a Unum disability benefit program when she began working for Ohio State University in 1986. In August 2010, Stump became disabled due to a series of debilitating illnesses, including fibromyalgia and degenerative arthritis. She alleges in the Unum lawsuit that she was approved for long-term disability through Unum, but was told by her treatment specialist in January 2012 that she could not work. In March 2012, Unum allegedly unjustly cancelled Stump’s disability benefits.

In August 2012, Stump appealed Unum’s cancellation but was rejected in December 2012 due to “flawed reports issued by consumer reporting agencies,” the Unum lawsuit says. On Jan. 30, 2014, Stump presented more information about her health history to Unum, but the company did not reverse their decision. Stump alleges in the Unum claim denial lawsuit that she has turned in sufficient health information to prove her need for the long-term disability insurance given to her.

Stump’s physicians have claimed that the Plaintiff cannot lift over 10 pounds and that she has fully demonstrated her disability according to the plan set by Unum; Stump’s condition has not since improved. Unum ostensibly claims that Stump has not presented suitable evidence. But Unum, “without reasonable justification, arbitrarily and in bad faith…has refused to revise its determination that Plaintiff is not entitled to long-term disability benefits,” the Unum lawsuit says.

The plaintiff claims a major conflict of interest at Unum on the grounds that they are the ones to both assess her disability information and pay for the insurance. “Defendant (Unum) has a financial incentive to find Plaintiff not disabled,” the Unum lawsuit says. Not only are they allegedly denying Stump the benefits she is entitled to, but Unum is not willing to reinstate her benefits even after additional medical information was presented.

According to the bad faith insurance lawsuit, Stump requests that Unum grant all disability benefits and related restitution to her as well as pay for attorney fees, including equitable relief and any other relief that the Court sees fit.

Unum (and their many subsidiaries) handles disability insurance for nearly 17-million Americans. Dozens of bad faith insurance lawsuits and Unum class action lawsuits have been filed against the company, accusing it of mistreating thousands of policy holders. Even former employees have come forward with stories of how Unum allegedly rewards claim specialists who are able to turn down a certain number of insurance claims.

The Unum lawsuit is Stump v. Unum Life Insurance Company of America, Case No. 14-cv-01383-GCS-TPK, U.S. District Court, Southern District of Ohio, Eastern Division