A new Unum insurance lawsuit was filed by a woman alleging the disability provider denied her coverage for her medical condition. The Unum insurance lawsuit ultimately alleges the company acted in bad faith and in its own interest instead of the claimant’s.

Plaintiff Linda S. filed this Unum insurance lawsuit after the company repeatedly denied her claim for long term disability coverage. Linda reportedly became disabled under the terms of her plan’s policy on April 29, 2016, and has been unable to work or earn a sufficient income.

According to the Unum insurance lawsuit, Linda was previously fully employed as an attorney and was supposed to be provided short-term or long-term disability benefits if ever needed.

When she became disabled, she alleges, she filed for disability benefits in a timely manner and included all relevant medical documentation that supported the claims for her disability. Even though Linda included medical testimony from her doctors, Unum allegedly denied her claim for disability for insufficient reasons.

After receiving the claim denial letter, Linda says she filed an appeal against the decision and included additional medical testimony and other relevant documentation that further showed she could no longer work due to her disability. However, Unum reportedly denied Linda’s appeal on March 8, 2017.

Linda opted to file this Unum insurance lawsuit after discovering the company may have acted in bad faith, and points out various points of evidence that indicated this in her claim.

Overview of Unum Insurance Lawsuit

According to the Unum insurance lawsuit, the disability provider allegedly failed to have Linda independently examined by a medical professional connected with the company. Instead, Unum allegedly relied on the opinion of a medical professional who merely reviewed Linda’s medical records and rejected the opinion of her doctor.

Linda argues this can be considered bad faith insurance because they had a biased relationship with Unum based on financial benefits and most likely disagreed with Linda’s physician in the interest of the insurance company.

Furthermore, she says the opinion of this medical examiner was inconsistent with the overall medical evidence in Linda’s records and had only taken specific pieces of evidence out of context in order to deny Linda’s claim for benefits.

It is important to note that these actions are consistent with alleged claim denial tactics Unum has been accused of before, in which their employees are allegedly instructed to find any reason to deny coverage to their policyholders. This is especially prevalent in cases involving policyholders with fibromyalgia, chronic pain and mental disorders.

Unum is the largest disability provider in the United States, and has been serving millions of policyholders for decades. However, it has faced an enormous amount of litigation for allegedly denying disability claims under wrongful circumstances.

Linda’s Unum insurance lawsuit is one of these cases, which is seeking compensation for all missing disability payments since July 28, 2016. She notes that even though Linda has been unable to work due to her disability, the medical bills have continued to mount and will most likely continue.

This Unum Insurance Lawsuit is Case No. 0:18-cv-02692-MJD-KMM, in the United States District Court of Minnesota.

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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