Not only does LawyersandSettlements receive hundreds of complaints a year, the Consumer Affairs website gives Unum its lowest rating (1 out of 5), based on 51 ratings out of 204 reviews. Lisa from Maryland says that she was denied long-term disability even though she injured her back - she is unable to sit for any length of time - and has chronic pain. Unum uses all kinds of tactics to deny. “[Unum] knew that my short-term disability was concluding in the beginning of September yet waited until the end of September to even begin requesting information from my physicians,” Lisa wrote to Consumer Affairs. “They are saying that I am capable of sitting in a chair all day at work when I am not capable of doing that and I will be fired for not being able to keep up with productivity.”
Dylan of North Carolina was diagnosed with multiple sclerosis in 2002 and began collecting long-term disability from Unum. Last month, he told LawyersandSettlements that Unum’s independent medical examiners said he was no longer disabled! “Since 2002, my case has been closed twice by Unum unjustly. I’ve been harassed, in fear and threatened,” Dylan said in an email. “I am currently about to be homeless and will lose everything I own because of their medical review, denial and the closing of my case. I am stressed out, have anxiety, and MS exacerbations because of this.”
Across the country in Oregon, Sharon says that Unum is bullying her to go back to work, even though her doctor says that fibromyalgia has rendered her disabled. “I took my 12 weeks of medical leave from work and then I received a few long-term disability payments from Unum,” Sharon says. Now Unum has cut her off and if she doesn’t win her appeal, her electricity will be cut off.
“I can’t pay any bills and I can’t go back to work. I don't know what to do.”
Unum has consistently denied fibromyalgia claims, but there is hope for Unum policyholders diagnosed with the disease.
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With its record of bad faith practices, no wonder Unum is a Fortune 500 company and the largest group and individual disability carrier in the United States.