An Unum lawsuit was filed against disability insurance giant, Unum Life Insurance Company of America, by a Florida man who alleges he was unfairly denied his long-term disability benefits.

Plaintiff David O. filed the Unum lawsuit in Florida federal court. The lawsuit was filed on Feb. 26, 2018.

According to the Unum lawsuit, David was covered under an “employer-sponsored employee welfare benefit plan” that provided him both short-term and long-term disability benefits by Unum.

The Unum lawsuit contends that Unum failed to apply provisions of the long-term disability insurance policy and thus unfairly denied David’s long-term disability benefits.

In unfairly denying David’s long-term disability benefits, Unum is alleged to have violated provisions of the Employee Retirement Income Security Act, or ERISA.

David is also said to have “exhausted administrative remedies” before the filing of his Unum lawsuit.

The Unum lawsuit was filed on multiple counts including the Action to Recover Plan Benefits and Action to Clarify Right to Plan Benefits.

Unum’s Unfair Practice of Disability Benefits Denials

According to Vault.com, Unum Life Insurance Company of America covers around 33 million people worldwide. The company possesses 181,000 businesses, and 60 percent of the company’s revenue originates from the U.S. market.

However, a growing number of consumers are reporting unfair long-term disability denials by the single largest disability insurance company in the country, Unum Life Insurance Company of America.

Unum is known to provide both long-term and short-term disability benefits, and subsidiaries of the company include: First Unum Life; Paul Revere Life insurance; Colonial Life & Accident; and Provident Life and Accident.

Accusations against the company accuse it of committing several acts such as the unreasonable delays in claim processing, the underpayment of insurance benefits, and the unfair denial of insurance disability claims.

Further allegations being purported in numerous consumer lawsuits include them of purposefully denying consumer disability claims for no other reason than to increase profit revenue and profit.

In fact, in a televised feature on 60 Minutes, former physicians and employees of the company reported that adjusters would be rewarded for the denial of the disability benefits, with further allegations that the company’s goal is to close out claims as fast as possible. The internal working environment working for Unum was also described as being “intense.”

Soon after the 60 Minutes segment, Unum entered into a Regulatory Settlement Agreement in 2004. The agreement was signed between them and included 40 other states. In 2005, the company also entered into an agreement with the California Department of Insurance. Both agreements were signed because of the company’s mishandling of consumer’s long-term disability benefits.

The filing of an Unum lawsuit is a last resort for many consumers like David who have ended up exhausting all other administrative remedies. Through consumers’ filing of Unum lawsuits, they hope to reverse the company’s denial of their long-term disability benefits.

The Unum Lawsuit is Case No. 2:18-cv-14070-DMM, in the U.S. District Court for the Southern District of Florida.

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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