A new Unum ERISA lawsuit has been filed against the disability insurance provider by an Indiana woman alleging her claim for disability benefits was denied in bad faith.

According to the Unum ERISA lawsuit, the insurance company had denied her claim for long term benefits even though she met all eligibility requirements and submitted medical testimony proving the severity of her injuries.

Plaintiff Natalie D. is filing this Unum ERISA lawsuit, after the insurance company denied her long term benefits claim. She had been previously fully employed at Community Health Network Inc., which had contracted with Unum Life Insurance Company of America to provide a disability benefits insurance plan to their employees.

Overview of Unum ERISA Lawsuit

Natalie had worked at Community Health long enough to eligible for long term disability benefits, which she alleges should have been provided to her after she submitted her claim.

According to her Unum ERISA lawsuit, Natalie had worked on a full time basis at Community Health until she was forced to cease working on Dec. 1, 2016 due to a number of conditions including chronic pain, restless leg syndrome, insomnia, headaches, systematic chronic back radiculopathy, fatigue, degenerative disc disease, and chronic cervical pain.

After Natalie became disabled, she applied for long term disability benefits and had followed all instructions in the claim filing process. She alleges that even though Natalie had submitted all necessary paperwork and medical testimony, Unum denied her claim and informed Natalie of their decision on March 31, 2017.

Natalie appealed this decision on Sept. 25, 2017, submitting additional medical testimony to further prove her eligibility for long term disability benefits. Even with all the medical evidence allegedly proving she was no longer able to work due to her disabilities, the appeal she submitted was denied on Nov. 20, 2017.

Her doctors noted that not only could she not perform her occupational duties at Community Health, she would not be able to work in a similar job at a different company. According to the statements in her Unum ERISA lawsuit, Natalie’s doctor says of her condition that “patient’s physical function is poor and can only maintain certain positions for short periods of time.”

Natalie has been unable to work since she became disabled, and has been forced to file this Unum ERISA lawsuit alleging the company denied her long term disability claim under wrongful circumstances. Unum is one of the largest and oldest providers of disability insurance in America, but has faced criticism over the years in its disability claim processing.

For years, policyholders have alleged Unum has been systematically denying disability claims for years. They accuse the company of using a number of different claim denial tactics against policyholders including:

• Arguing the claim is a pre-exisiting condition
• Denying claim with intent to wear policyholder down
• Refusing to acknowledge medical condition or disability (common with mental disorders, fibromyalgia, and chronic fatigue syndrome)
• Using independent medical examinations to misread or misinterpret medical records

Natalie is seeking compensation for all missing benefits and any applicable interest, and states her claim was not subject to fair and full review.

This Unum ERISA Lawsuit is Case 1:17-cv-04351-RLY-MPB, in the U.S. District Court for the District of Indiana, Indianapolis Division.

Do YOU have a legal claim? Fill out the form on this page now for a free, immediate, and confidential case evaluation. The bad faith insurance attorneys who work with Top Class Actions will contact you if you qualify to let you know if an individual lawsuit or Unum class action lawsuit is best for you. [In general, Unum bad faith lawsuits are filed individually by each plaintiff and are not class actions.] Hurry — statutes of limitations may apply.

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