UnumProvident Denied Disability Claims

Andalusia, AL: " Had I known that Unum [also known as Unum Provident] long term disability benefits was going to be a loan, I would have gone to a bank," says Elaine. "My interpretation of disability insurance is this: when you become disabled, insurance pays your benefits." But Elaine says that wasn't the case with Unum health insurance. [ Read More ]

Skokie, IL: If the postings at consumeraffairs.com are any indication, current and former policyholders of Unum Insurance (also known as UnumProvident) are still having trouble collecting benefits. [ Read More ]

Amarillo, TX: Sharon wonders if you have to be on your death bed to collect long term disability benefits from Unum. First she had a skin disease then her kidneys shut down. She was diagnosed with rheumatoid arthritis, lung disease and more. She has also been in the hospital 9 times with pneumonia. Yet Unum Provident only paid her short term disability benefits, denying she was sick. [ 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.