Unum: The Definition of Bad Faith Insurance

The basics of bad faith insurance are that the insurance company uses a wide range of tactics in order to keep from having to pay legitimate benefit claims. Unum has seemed to master these techniques and has pulled out all stops in order to avoid paying one legitimate disability benefit claim after another.

One particular tacit that Unum likes to use frequently is to place harassing phone calls to the Unum policyholder and their medical care team requesting paperwork on a constant basis. If the Unum policyholder fails to submit to their continual demands or if they are late in providing the information this is all carefully documented by Unum in order to use as grounds for denying the benefit claim.

When people select a disability insurance company they are putting a great deal of trust in that company. The disability insurance provider is the safety net for many individuals and families in case the worst case situation happens. So what you don’t expect to happen is to need these disability benefits and then get the runaround from the disability insurance company.

As the result of the many legitimate benefit denials that Unum has been a part of there are countless families whose lives have been ruined. They have lost homes, bankruptcies have been filed, they have been forced to live on a very low fixed income, they have had difficulty receiving the proper care for their disability, and there have even been claims of people’s disabilities becoming worse just because of the torture Unum has put them through.

Unum’s Bad Faith Insurance Tactics

Unum has a reputation all its own in the insurance industry. They have established a system of methods that helps their side build cases against unsuspecting Unum policyholders. Some of the methods they use to deny legitimate disability claims include the following:

• Delaying payments
• Harassing phone calls to the Unum policyholder and their medical providers
• Stopping payments without any notice
• Offering a lump sum substantially lower than the benefits owed
• Cancelling a policy
• Ignoring opinions provided by experts
• Requesting excess amounts of paperwork
• Plus many more…

What Unum does is certainly not right and is even illegal in some cases. However, there are more times than not that Unum is not held responsible for their actions so they continue with the same tactics as they have made the company and their investors a great deal of money to date.

Often times the only way to get Unum to uphold their end of the bargain and pay you disability claim is to consult a Unum lawsuit attorney. These advocates can help you get the monthly benefits you are entitled to, negotiate a settlement, or file a Unum fraud lawsuit and seek a trial depending upon what is best for your particular situation.

Visit the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation page to speak with a Unum lawsuit lawyer and receive your free legal review.