Unum’s Unfair Disability Claim Denial Practices Examined

In many of these cases, the policyholder is no longer able to work because of the disability. Not only are they faced with expensive medical bills, they no longer have employment income to rely on. These policyholders are put in an extremely difficult situation. Even though these policyholders were proactive and purchased disability insurance to protect them, they were subject to unfair disability claim denials.

Unum Routinely Uses Unfair Claim Denial Tactics

According to former Unum employees, Unum sets a monthly quota for disability claim denials and rewards employees who deny the most claims. Employees who complained about the quotas claim that they were retaliated against. Unum relies on the medical evaluation of physicians when determining whether to deny claims. Former Unum physicians claim that they were told to review medical records and declare that policyholders were not disabled, even if the policyholder had a legitimate disability.

These unfair business tactics have led many policyholders and former employees of the company to file lawsuits against the company for their illegal policies. They complain that Unum is motivated by money rather than helping the vulnerable people they promised to serve. Some of Unum’s claim denial tactics include:

• Improperly investigating disability claims
• Changing policies after claims are filed without notifying policyholder
• Improperly reading/interpreting medical records
• Partial payments
• Refusal to acknowledge certain types of disabilities
• Relying on in-house physicians rather than independent doctors
• Arguing that a disability is a preexisting condition
• Using investigators to discredit the disability
• Denying claims without medical examination

Unum’s Illegal Claim Denial Strategies Have Led to Thousands of Lawsuits

These unfair practices have gotten the attention of government agencies, attorneys and the media. In 2002, the television program “60 Minutes” investigated Unum’s questionable business practices. The show featured interviews with former employees, in-house doctors and policyholders whose claims had been denied. Many people have stepped up and filed lawsuits against the company, alleging that Unum routinely engages in unfair and illegal business tactics at the expense of its policyholders. Many of these lawsuits have been resulted in millions of dollars in settlements.

If you or someone you love experienced a Unum claim denial, you may be able to get the compensation you deserve. Visit the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation to learn more about your legal rights. When you submit information about your Unum claim denial, an attorney will conduct a free case review to determine whether you qualify to file a Unum lawsuit. By filing a Unum lawsuit, you will help to hold the company accountable to its policyholders. You will also do your part to protect other policyholders from being taken advantage of.