Was Your Disability Claim Denied Unfairly?
Formerly known as Unum Provident Company, Unum is one of the largest insurance providers in the world, posting annual revenues of more than $10 billion. The company insures 25 million people. Among the types of insurance Unum offers is disability insurance. If you are disabled, you know how vital this coverage is for you and your family.
In 2004, a multi-state investigation concluded that Unum denied legitimate insurance claims as a business tactic. The company even went so far as to offer incentives to its employees to dismiss claims that should have been paid to policyholders in need. California’s insurance commissioner at the time called Unum an “outlaw company” that operates in an “illegal fashion.”
When companies unfairly deny claims, ordinary people can have their futures and livelihoods ruined. If this has happened to you or someone you love, contact us today for a free consultation with an attorney to discuss your legal rights and options.
A Questionable History
Insurance companies don’t care about your health. They care about their bottom line. The math is simple: the less they pay policyholders like you, the more they profit.
The 2004 investigation determined that Unum began systematically denying valid claims as early as 1994. A CBS 60 Minutes report revealed the company established a quota for denied claims and actually rewarded employees for denying benefits to people who should have received them. Does that sound like a company that cares about its customers?
Unum might offer the following reasons, among others, for denying a claim:
- Failure to disclose a pre-existing condition
- Failure to provide proper documentation on time
- Your condition is not a covered disability
- The procedure you need is “elective” or “experimental”
Thanks to court actions, Unum has been hit with stiff penalties, forced to reassess denied claims and ordered to pay back some of the policyholders who were wrongly denied service.
Why You Should Hire an Attorney
If you’ve been unfairly denied a claim by Unum or another insurance company, you need an attorney who knows how to go up against huge insurance companies. Unum has its own attorneys whose job is to argue that you shouldn’t be compensated. Your attorney is always on your side advocating for your best interests.
Contact us today to speak with a lawyer about your rights. Unlike your insurance provider, if we represent you, we won’t abandon you in your time of need.