Disability insurance policies often ban coverage for disability that stems from pre-existing conditions. In other words, if someone had a medical problem within a specified time frame prior to their effective date of coverage and they became disabled within the first...
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ERISA Disability Insurance Appeals – Appealing A Long Term Disability Denial
Individuals who receive short term disability and long term disability coverage as a benefit of their employment are often shocked when their insurance carrier unreasonably delays the review and approval of a claim or unjustifiably denies or terminates their...
Did the 2004 Multi-State Settlement Deter Unum Provident From Continued Bad Faith Claims Handling?
Almost fifteen years ago, Unum Provident entered into a historic multi-state settlement with 3 lead states, 46 other states and the District of Columbia, as well as the U.S. Department of Labor, that cost it in excess of $120 million to comply, required it to reassess...
Northern District of Oklahoma finds that Unum Acted Arbitrarily and Capriciously in Denying Disability Insurance Claim of Pharmacist With a Physical Condition Requiring Narcotic Pain Medication
A recent case out of the North District of Oklahoma, Anderson-Posey v. Unum Life Ins. Co. of Am., involved a long-term disability insurance policy issued by Unum Provident and governed under the Employee Retirement Security Act of 1974 ("ERISA"). The claimant was a...
Jury Verdict for $7.6 Million to Chiropractor for Denial of Disability Insurance Benefits Upheld by Court of Appeals
Chiropractic Physician, Joan Hangarter, owned her own chiropractic practice in Berkeley, California and during a typical day she would treat between 30 and 50 patients. In 1989, Dr. Hangarter purchased an "own occupation" disability insurance policy from Paul Revere....
Disability Insurance Denial Answers
Insurance Companies such as Aetna, Assurant, Berkshire, Cigna, Guardian, Liberty Mutual, MetLife, Reliance, Standard, and Unum are well-known for unfair and biased claims review processes, misrepresenting the facts, and for denying valid disability benefit claims....
Disability Insurance Policy Lump Sum Buyouts
A disability insurance policy lump sum buyout is where an insurance company pays an individual an agreed upon lump sum amount of money to fully "buyout" the life of an individual's disability insurance policy and claim. In other words, in exchange for a one-time check...
Getting and Keeping Your Disability Insurance Benefits
Applying for disability insurance benefits and maintaining those benefits requires an understanding of the policy's terms as well as the tactics and review procedures utilized by many insurance companies throughout the duration of the...
Unum Reports that More Breast Cancer Survivors are Returning to Work After Short Term Disability Leave
On October 4, 2012, **Unum announced that more than twice as many people who have battled breast cancer are returning successfully to work after short term disability leave. Unum explained that in 2009, nearly 64 percent of people on short term disability leave...
Unum Names New Head of Individual Disability Policy Block To “Improve … business.”
Unum announced that Jack McGarry, will be taking over Unum's closed block of business in the United States. Unum's closed block of business includes Unum's individual disability policies issued almost two decades ago. It is important to understand that Unum no longer...