An Illinois periodontist has filed a disability lawsuit claiming that his insurance company has not paid him the long-term disability he is owed. In this Unum lawsuit filed by a dentist, the plaintiff claims a breach of three contracts.

Plaintiff Andrew B. was a periodontist in Illinois before he became disabled in April 2014. A periodontist is a dentist that is primarily concerned with the structure and supports of the teeth. This type of dentist also works with dental implants.

According to this Unum lawsuit filed by a dentist, Andrew was employed full time as a periodontist in Illinois when, in April 2014, he became totally disabled.

Andrew claims he suffered from retinal impairment and a hand tremor. Since April 1, 2014, the plaintiff has not worked full-time because of his disability.

This Unum lawsuit filed by a dentist alleges that because of Andrew’s visual and neurological impairments, he was no longer able to work as a periodontist.

He applied for benefits under his Unum policies, according to his complaint. Andrew says that he provided all the medical proof and necessary evidence to back up his claims, yet Unum still denied his benefits.

The plaintiff believes that because the insurance company denied his benefits even after he gave supporting evidence, Unum is in breach of its contracts of insurance and owes him nearly $100,000.

Andrew purchased three different Unum disability insurance policies. Two of the policies define “total disability” as meaning that as a result of sickness or injury, you are unable to perform the material and substantial duties of your occupation. “Your occupation” is defined as whatever your regular occupation is at the time the disability commences.

His third policy states that “totally disabled” means injury or sickness has restricted the insured’s ability to perform the material and substantial duties of his regular occupation to an extent that prevents him from engaging in his regular occupation. Each of his policies provides benefits that are potentially payable for the lifetime of the one who is insured, assuming their disability is ongoing.

In this Unum lawsuit filed by a dentist, Andrew is asking that the judge order the defendant to pay him all benefits owed him through the date of judgment. He is also asking that Unum pays him interest on what he is owed and that Unum continues to pay him the benefits that are due him going forward.

Andrew also asks that Unum pay his court costs.

This Unum Disability Insurance Lawsuit is Case No. 1:17-cv-03643 in the U.S. District Court for the Northern District of Illinois, Eastern Division.