A disability policy holder claims that Unum prematurely ended her disability benefits while she suffered post concussion syndrome. This claim joins a number of similar claims that the insurance provider denied disability benefits to those who qualified.

Robin T. claims that she worked as an administrative director at Ohio State University, and had access to disability benefits through the university’s contract with Unum Life Insurance Company of America. She claims that in February 2017, she was disabled from working because she suffered a concussion, and that the concussion resulted in post concussion syndrome health problems that qualified her for disability benefits under Unum.

Robin claims that while she received some disability benefits from Unum, she did not receive the extent of benefits for which she qualified. Allegedly, Unum approved Rachel’s claim for short term disability insurance through May 28, 2017. Robin states that in conjunction with short term disability benefits, she also applied for long-term disability benefits from Unum.

Though she was approved for and paid long-term disability benefits from Unum through June 18, 2017, she was informed on June 15 that Unum would cease paying benefits, based on an authorization that would allow Robin to return to work part-time.

At this point, Robin allegedly began to work part-time, but continued to suffer post concussion syndrome symptoms including convergence insufficiency and blurred vision, which caused her to struggle to perform her work.

As a result, she was forced to stop work because of her post concussion syndrome on July 17, and was advised by her doctor to not resume work before Oct. 17, 2017. However, a nurse employed by Unum allegedly reviewed Robin’s file in August 2017 and determined that Robin was able to return to full-time employment.

The Unum insufficient disability benefits lawsuit claims that the nurse “reached this conclusion in the absence of a personal medical evaluation and in the absence of any evidence that reason Thompson’s medical condition had improved. Subsequently, two other Unum employees allegedly reviewed Robin’s file and determined that she was no longer disabled, and informed her on September 28 that she was not entitled to any benefits after June 18, 2017.”

Allegedly, Unum’s policy requires benefit recipients to come in for an evaluation to assess their ability to work. However, the company allegedly violated its own policy by not requiring her to come in for an evaluation before determining Robin to be no longer disabled and canceling her benefits.

Robin claims that she requested on multiple occasions that the company reverse its decision and continue her benefits, but was denied each time despite the fact that no Unum employee conducted a physical evaluation to determine if she was still disabled.

Robin claims that she was financially injured by Unum’s actions, and claims that Unum’s actions represent a deliberate breach of contract. She seeks damages and interest from the company.

The Unum Post Concussion Syndrome Disability Benefits Discontinuation Lawsuit is Case No. 2:18-cv-00605-MHW-CMV, in the U.S. District Court for the Southern District of Ohio, Eastern Division.

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