Unum Life Insurance Company of America recently faces another woman’s lung disease disability benefits lawsuit over allegations that the company unfairly denied her long-term disability benefits.
Plaintiff Joanne K. files the lung disease disability benefits lawsuit over unfair disability insurance denial in Michigan federal court. The lawsuit was filed on May 8, 2018.
According to the lawsuit, Joanne is a resident of the state of Michigan who, after suffering and developing rheumatoid lung disease was rendered unable to work due to injury and her condition.
According to the lawsuit, Unum’s “denial of benefits was arbitrary and capricious and was contrary to medical and other evidence that overwhelmingly supports … [Joanne’s] claim of total and permanent disability.”
Unum’s allegedly unfair denial was a breach of contract of Joanne’s insurance benefits, they purport. Accordingly, Joanne states that she, unfortunately, has “exhausted all appeals and/or reconsideration processes provided by” Unum.
By filing the lung disease disability benefits lawsuit, Joanne hopes to retrieve “loss of past, present and future income in the form of wage loss compensation benefits,” the lawsuit states.
Overview: Unum Lung Disease Disability Benefits
There have been a large number of lawsuits being filed against Unum Life Insurance Company of America, America’s single largest disability insurance company providing long-term and short-term disability benefits. Unum employs 100,000 employees across the United States, and is one of the most recognized and largest disability companies in the world.
According to Vault, Unum more than doubled its net income to $867 million in 2015. That same year, cash flow for the company increased to 1.2 billion. Subsidiaries of Unum include companies like Provident Life and Accident, First Unum Life, Colonial Life & Accident, and Paul Revere Life Insurance.
An increasing number of plaintiffs, like Joanne, continue to take Unum to court. They allege that they were unfairly denied insurance benefits under their policies after being approved for disability once rendered unable to work. Thousands of bad faith insurance claims have been filed as a result.
Claimants allege they have been subjected to unfounded or unfair denial of insurance benefits, underpayment of insurance benefits, and unreasonable delays in the processing of claims.
Allegations against Unum accuse the company of denying consumer benefits for no reason other than to increase profits and revenues. Like Joanne, many consumers file Unum denied disability lawsuits as a last case resort, after having exhausted all other remedies and recourse through administrative appeals.
Due to the Unum’s bad faith practices and after a 60 Minutes segment was aired portraying the company’s unfair procedures, a Regulatory Settlement Agreement was entered in by the company in 2004. The agreement was signed between Unum and 40 other states. Additionally, a secondary agreement was entered into between Unum and the California Department of Insurance in 2005, also because of the company’s alleged mishandling of consumer’s disability benefits and policies.
The 60 Minutes televised feature aired former employees describing how widespread the company’s bad faith practices were. Physicians and employees stated that adjusters would be rewarded by denying consumer’s disability benefits. Employees said that the company’s goal was to close out claims and that there was “intense” pressure on employees working for the company.
The Lung Disease Disability Benefits Lawsuit is Case No. 2:18-cv-11443-TGB-RSW, in the U.S. District Court for the Eastern District of Michigan, Southern 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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