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Did Unum Stonewall Policyholder Out of $24,000?

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Skokie, ILIf 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.

Unum VictimUnum has been scattershot with prior allegations of claims denials, various delaying tactics and other measures—and if the posted musings of Joseph, of Skokie, Illinois are any indication it appears as if such stonewalling tactics are continuing.

"I qualified and received my long term disability payments from Unum for 2 years," the Illinois man writes on consumeraffairs.com. "My policy from Safeway/Dominick's said that at age 65 I was eligible for 3 years of payments."

Joseph writes that an Unum rep sent him a document dated July 14, 2008, that as of the first of January 2006, his policy had been amended to two years. His disability date happened to be February 7, 2006. "We went back and forth and got nowhere," he says.

Meantime Joseph talked to a representative at Safeway who told him that his policy had not changed since 2003. She also proceeded to send him a copy of the policy.

That policy, now in Joseph's hands, stated that Safeway and the policyholder were entitled to be notified of any changes to the policy.

Based on that information, Joseph writes that he arranged for an attorney to forward correspondence to Unum documenting his concerns, and according to Joseph, Unum replied to the attorney with the same information they had been telling the policyholder up to that point.

Some point afterwards the representative from Safeway is alleged to have communicated to Joseph that Unum had not changed the policy, further suggesting that Safeway had dropped Unum due to unsatisfactory performance.

Later still, it was suggested that the change alluded to in the most recent correspondence—a change that they denied making—had been made after all. That was the change that amended Joseph's policy down to two years, from three.

"After that, I gave up," Joseph writes on comsumeraffairs.com. "I lost a year of payments equaling $24,000."

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