UNUM DENIED CLAIMS

Currently there are over 2500 suits filed by policy holders under subsidiaries:

Unum Life Insurance Company of America
Provident Life and Accident Insurance Company
The Paul Revere Life Insurance Company
Colonial Life & Accident Insurance Company
Genex
Duncanson & Holt

UnumProvident is also the agent handling claims under MetLife , John Hancock, New England Life and Equitable. UnumProvident has denied policyholder claims, claiming that the policyholder is covered under another disability plan or by retroactively changing the underwriting.

UnumProvident Announces Settlement of Multistate Market Conduct Examination - November 19, 2004. " The primary components of the settlement agreement include: enhancements to the Company's claims handling procedures; a reassessment of certain previously denied or closed claims; additional corporate and board governance to support the oversight of the reassessment process and general claims handling practices; and payment of a fine in the amount of $15 million to be allocated among the states and jurisdictions that join the agreement."

A principal feature of the settlement is a reassessment process. Under the agreement, UnumProvident is offering to reassess any individual or group long-term disability claim that was denied or closed since January 1, 2000, except for specific categories of closures such as settlement, death or payment of maximum benefits. The potential pool of claims decided over the nearly five year period that may be eligible for reassessment if the claimant elects to participate is approximately 215,000 claims. Source: UnumProvident Corporation press release.

If you or someone you know has a UnumProvident, Colonial Life or Paul Revere disability policy and have been denied your disability benefits or if you feel you have been paid less than expected, simply fill out our contact form or Call 1-800-693-6903 today!

UNUMPROVIDENT NEWS

UnumProvident Corp. regional vice president James Michael Foley pleaded guilty to federal fraud charges. (Dec-22-06) Sign On San Diego: UnumProvident Fraud

The nation's largest disability insurer, UnumProvident Corp., has settled a lawsuit filed by state regulators and has agreed to give prospective policyholders more information about commissions paid to brokers. (Nov-02-06) LA Times: UnumProvident

Enter the information about your UNUM case and we will contact you. Fields marked * are required.

First Name: *

Last Name: *

Email Address: *

Phone Number: *

State: *

Date of Disability:

Date Benefits first Received:

Date Benefits Terminated:

Date for claim of Benefits:

Date for claim of Benefits denied:

What are your monthly benefits?

What condition(s) renders you disabled?

Please list medical support for this/these condition(s) i.e. x-rays, doctors, etc.:

Date of Birth:

Benefits from age 65, Life or Other:

If Other, please explain:

When did you purchase your benefits?

Occupation at time of disability:

Have you appealed your denial?

Yes No

If yes, what is the status of your appeal?

Is your policy an employer-sponsored group policy?

Yes No

Is your policy an individual policy?

Yes No

Occupation at the time of Application:

Occupation the day before you were disabled:

Name of Employer:

Name of Insurance Co.:

Policy #:

Claim #:

Type of disability policy:

Was the insurance premium paid by you or your company or both?

Do you have a copy of the policy?

Yes No

Monthly salary at disability:

Nature of disability:

When did you first apply for disability?

Were you denied?

Yes No

If yes, what date:

Did the carrier send you a denial letter?

Yes No

If yes, what is the date of the letter:

Reason for denial:

Did the carier inform you of an appeal deadline?

Yes No

If yes, what is the date of the deadline:

Did you appeal?

Yes No

If yes, what date:

Was your appeal denied?

Yes No

If yes, what date:

What was the amount of your monthly disability benefit:

What percent of monthly salary did policy pay:

Are you receiving SSDI?

Yes No

If yes, what is the benefit amount:

What date did SSDI benefit begin:

Any dependent SSDI benefits?

Yes No

If no, have you applied for SSDI?

Yes No

What is the status of SSDI application:

If denied, are you in appeal stage?

Yes No

What was your benefit after SSDI offset:

Are you receiving WCAB?

Yes No

If yes, what is the benefit amount:

What date did WCAB benefit begin:

Are you receiving State Disability Insurance?

Yes No

If yes, what is the benefit amount:

What date did State Disability Insurance begin:

Were you sent for an IME?

Yes No

If yes, what date:

Were there additional IMEs?

Yes No

If yes, what date:

Did the carriersend a field representative to interview you or your doctor?

Yes No

Who are the doctors treating you?

What are your doctors' specialities:

What meds were you on at date of denial:

What meds were you on at date of appeal denial:

What meds are you on today:

Are you behind in your mortgage, rent, car payments, credit cards, etc.:

Yes No

Any criminal or tax problems we should know about:

Did you take early retirement benefits?

Yes No

If yes, were they deducted from your disability benefits?

Yes No

If this claim is not for you please identify the person you are making this inquiry for:

Have you ever contacted a lawyer about this?

Yes No

Are you currently working with a lawyer on this?

Yes No

Enter the text in the image below into the box at right:

Online Legal Resources