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Fla. Man Says Unum Wrongly Denied His Disability Insurance Claim
By Jessica Tyner
Unum is one of the largest providers of long-term disability (LTD) coverage in the United States. According to a number of policy holders, Unum preys on their customers by giving them the run around, denying benefits with no foundation, stopping or lowering payments with no communication and basically illegally making the process impossible to follow. According to the American Association for Justice, Allstate tops the list of the “world’s worst insurance company” but Unum is nipping on its heels. Herman says he began paying into his plan in 1982 when he was teaching at a Native American tribe’s system. Herman was diagnosed with renal disease in 1997, which requires dialysis and eventually a kidney transplant.
In an effort to get his LTD coverage moving forward, Herman called the transplant center to ask why Unum was saying they never received any records.
Herman was confused where the mistake was being made — was the transplant center not sending the forms or was Unum claiming not to receive them when that wasn’t the case? Herman dug deeper and found that the rule at the transplant center was that insurance companies should contact them directly if they hadn’t received the documents. However, the center did attempt to contact Unum in the spring and also got the run around. However, that wasn’t the worst of things. Herman then discovered that Unum had entirely misclassified him and his case.
In the midst of Herman being forced to play the middle man while undergoing dialysis — a very taxing process — and hoping for a kidney match, he discovered that Unum seemed to be making classification mistakes in their favor.
Like many other Unum policyholders, Herman sees an Unum lawsuit as his only option. He’s tried to get things straightened out on his own, and even with the help of doctors it’s not happening.
Unum requires most LTD claimants to also apply for Social Security benefits — when Herman applied, he was immediately approved, but that didn’t make Unum approve him. “My nephrologist never told Unum that I could return back to work. Unum’s independent medical examiner called him and said that I was indeed capable of working — Unum diagnosed me without seeing me.”
Was Your Disability Insurance Claim Denied?
Do you relate to Herman’s story and are you facing an ongoing battle with an Unum denial? You don’t need to fight this battle alone because you might qualify for an Unum legal claim. Find out if you qualify today by visiting the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation. You’ll be able to submit your information, and an attorney will contact you if you have a case for a free Unum claim review.
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