UnumProvident Denied Disability Claims

San Jose, CA: Janice was never denied Unum Provident's long term health care benefits so imagine her surprise when Unum Provident demanded the payments back, to the tune of $20,000! Even more mind-boggling is that Unum assisted Janice in obtaining security benefits: it would seem that Unum was helping Janice so the giant insurer could get money back from her. [ Read More ]

Boise, ID: Diane paid into an Unum Provident policy through her employer for more than a decade, so when she was injured on the job and collected Workers Compensation benefits for a few months, she assumed that Unum Provident's health insurance would kick in and pay her long term disability benefits. Wrong. [ Read More ]

Elizabethtown, PA: Jay had an Unum Provident policy with his employer and received short term disability for five months (in July 2006) before he qualified for Unum's long term disability benefits. After six months receiving health insurance benefits from Unum, he was told to apply for social security—the insurance company expected him to return to work but he wasn' t ready—he had been diagnosed with general anxiety disorder and excessive stress. [ Read More ]

In recent settlements, UnumProvident has agreed to reconsider approximately 200,000 denied disability claims. Under investigation and pressure from the Department of Labor (DOL), UnumProvident's family of companies must offer to reassess claims denied or closed since January 1, 2000 for reasons other than settlement, death, or reaching benefit maximums. They must also allow for reassessment, upon request, of claims similarly denied or closed between January 1, 1997 and December 31, 1999. The company will continue to accept and reevaluate these claims, whether or not the claimant is still disabled, until December 31, 2006.

If you have made a claim under a long-term disability policy provided by or administered by:

UnumProvident and its subsidiaries offer individual and group insurance programs such as long-term disability income protection, short-term disability income protection, life insurance, long term care insurance, and voluntary critical illness insurance. UnumProvident insures more than 25 million people worldwide.

UnumProvident declare they have paid $4.2 billion in disability benefits in 2004 and reserve $25 billion for potential claims. Disability income protection insurance provides financial benefits to employees when they are unable to work due to a disability caused by a covered illness or injury, regardless of whether or not that illness or injury is work-related.