The Penn Record (01/09/18) reveals that according to Court documents plaintiff Rahelamma Abraham became disabled in 2014 following a diagnosis of wet age-related macular degeneration of her right eye. Abraham – who hails from Morrisville – carried short-term and long-term disability coverage through Unum Group, formerly known as Unum Provident and First Unum. Unum is based in Chattanooga, Tennessee.
In normal circumstances, short-term disability benefits are paid when an insured becomes disabled. Long-term disability kicks in once the usual window for short-term benefits closes, together with input from doctors and medical professionals as to the depth and breadth of the disability, its likelihood to continue, and the establishment of a sound medical case that supports the need for long-term disability benefits provided the insured qualifies according to the language of the policy at hand. A policy is, in many ways a legal contract between the insured and the insurer.
Unum paid long term benefits for just over two years, then stopped
In Abraham’s case, the plaintiff began receiving short-term disability benefits through Unum insurance as of February 3, 2014 with said benefits continuing through to the end of July that year. A day later, on August 1, 2014 long-term disability benefits kicked in and were duly received by the plaintiff from that day through to November 1, 2016 – a little over two years.
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Abraham, in her Unum disability claim, opines that the defendant – Unum Life Insurance Co. of America – unjustly terminated her long-term disability benefits in spite of expert medical opinion provided by her doctor with regard to her ongoing disability.
Abraham, in her Unum long term disability insurance lawsuit, is seeking compensation in excess of $150,000 from the insurer, as well as interest and costs.
The Unum lawsuit is Abraham v. Unum Life Insurance Co. of America, Case No. 2:18-cv-00004-MAK, filed January 2 of this year in the US District Court for the Eastern District of Pennsylvania before US District Court Judge Mark A. Kearney.