Unum’s Claim Denial Tactics Revealed: Deny, Delay, Discontinue

Step 1: Unum’s Claim Denials

This is the first step to the process of keeping Unum’s policy holders from receiving what they are entitled to. The policy holder files a claim because they have been recently disabled. Keep in mind that these are legitimate claims. However, Unum automatically denies the claim. It has been revealed in previous Unum lawsuits that Unum employees actually receive incentives for denying claims and that there are actual quotas for denying so many claims to ensure Unum’s profit margins.

Step 2: Unum’s Delays

The Unum’s delay process can affect a number of items in the claims process. Unum can delay in approving your legitimate claim through the appeals process of the original denial. It can delay in communication. It can delay in the payment of an approved claim. It can delay and request that you file for Social Security disability. The point here is that if there is a way to delay, Unum will find it. All of these Unum delay tactics, as well as others, have been documented in many different Unum lawsuits filed on behalf of Unum claims victims.

Step 3: Unum’s Discontinuance of Policies

So in the final step, regardless of whether the policy holder has been approved or denied, Unum will find some way to discontinue the policy. Throughout the claims process Unum is documenting each and every move the policy holder makes. They will document whether or not the policy holder is late in a response, if they fail to provide certain information, if they fail to apply for something like Social Security disability, or any other item they feel that they can eventually use against the policy holder. They will later use these as grounds to cancel the Unum policy all together.

In many situations, they will pay for a while and then just abruptly stop payment and discontinue the policy. Unum may site that the policy holder is no longer considered to be disabled or a number of other reasons they can find to use.

Basically, Unum is taking advantage of the policy holder’s situation. They know that when someone faces a disability it is a very difficult time. They know that they may not have the normal amount of energy and is some cases no energy at all to fight their claim. They use the tactics listed above in an effort to wear down the policy holder. Ultimately, the only recourse a policy holder has is to file a Unum lawsuit against the company.