A New York man - who worked for an insurance company - filed a lawsuit against Unum last October, claiming he was wrongfully terminated from his short-term disability benefits and then denied long-term disability benefits. Steven Krol was diagnosed with a cognitive impairment that included vascular dementia, a condition that left him disabled. But Unum didn’t see it that way. Krol first applied for short-term benefits and Unum made payments from Oct. 26, 2012 through Sept. 20, 2013.
Did Unum believe that Krol would miraculously recover from vascular dementia? It just takes a quick search online to discover that this condition is not reversible. According to WebMD, “No available treatments can repair the damage of vascular dementia once it’s happened.”
Krol’s lawsuit claims that he continues to be disabled and he is therefore entitled to long-term disability benefits until he is 65 years old, in 2023.
Back to Mary, who was diagnosed with fibromyalgia. Her story is similar to that of Krol. Unum sent her monthly short-term disability payments and then her claim rolled into long-term disability. But long-term only lasted a few months before Unum terminated her claim.
“Every time they [Unum representative] called, they couldn’t understand why I cannot work,” says Mary. “They have never met me, and I have never seen their doctors. They constantly harassed me, and threatened to cut me off. They stressed me out and make me sicker.”
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“Unum is cruel and insensitive. Something needs to be done about them,” says Mary.