First Unum Life Insurance Company is facing a new wrongful claim denial lawsuit alleging that the insurance provider had wrongfully denied a disability insurance claim.

The disability insurance claim was filed by a woman from Minnesota, who says she was eventually forced to file legal action against the disability provider after repeatedly denying her claim under alleged bad faith insurance circumstances.

Plaintiff Eileen V. alleges her disability insurance claim was unfairly denied, with the insurance company allegedly failing to perform a full and proper review of the claim before dismissing it.

According to the wrongful claim denial lawsuit, Eileen was previously fully employed at Glen Falls Hospitals and was supposed to be provided long term or short term disability coverage if needed.

This was allegedly not the case for Eileen, who alleges her disability insurance claim was wrongfully denied.

Overview of Wrongful Claim Denial Lawsuit

According to the wrongful claim denial lawsuit, Eileen became disabled on April 11, 2017 and was unable to perform her occupational duties. Eileen’s disability has reportedly prevented her from seeking sufficient employment elsewhere, along with any other occupation.

Overall, Eileen says she has been unable to work since she became disabled and is not likely to recover in the future. With the severity of her disability, Eileen filed a disability insurance claim to Unum while following all application instructions and submitting necessary medical testimony.

This medical testimony came from her doctor, who allegedly submitted a Narrative Report stating that she was not able to work even in a sedentary job and agreed that she needed long term coverage for her disability.

The report specifically stated that Eileen could only sit or stand for less than one hour in a given eight hour work day, she would likely be off task for over 25 percent of the work day, and would require over four days a month to due to her disability.

Even though Eileen says she met all eligibility requirements to receive long term disability coverage, her disability insurance claim was allegedly denied soon after it was submitted. Eileen appealed the decision on June 21, 2018, submitting additional evidence that further proved her disability.

This included testimony from her physician that allegedly stated he did “not agree with her long term insurance conclusion that she is not disabled” and that Eileen was “severely disabled.” Even though this testimony was submitted with the appeal, Unum still denied her disability insurance claim that reportedly lacked sufficient reasoning.

Unum is the largest and oldest disability providers in the United States, providing millions of policyholders with short term or long term coverage should they need it. However, this has allegedly not been the case for numerous policyholders spurring allegations of bad faith insurance practices.

Bad faith insurance refers to instances where the insurance company acts on behalf of their interests and not in the best interests of their policyholders. Generally, this often means that claims for disability insurance become denied.

Unum has allegedly developed systemic methods to turn down certain disability claims without performing a full and thorough review, along with trying to find any reason to deny the disability insurance claim.

At this point in time, Eileen has exhausted all administrative remedies and has been forced to file legal action against the disability provider. Eileen is seeking compensation for all missing disability coverage payments, along with any other relevant damages.

This Wrongful Claim Denial Lawsuit is Case No. 0:18-cv-02066-PJS-DTS, in the U.S. 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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