In the UK, an area where Unum Group has sizeable market share, a Unum lawsuit has been filed by a disgruntled policyholder unhappy with the stopping of his benefits by his insurance provider. Paul Marsh was injured through no fault of his own and carried Unum disability insurance for just such an occurrence.
The policy was taken out with a view toward income protection. It hasn't completely worked out that way…
The Evening Star (3/23/12) reports that Marsh is not happy his benefits have stopped and he is suing Unum—formerly known as Unum Provident and First Unum—for the equivalent of US $3,335,230.03.
It was in August of 2000 that Marsh, an accountant and former partner with a prominent accounting firm, was involved in a serious vehicular collision through no fault of his own. What's more, the Evening Star reports that his injuries were so severe, the resident of Kesgrave was unable to return to work. According to the report, the victim sustained spinal injuries that initially resulted in sciatic pain and discomfort to his left foot.
Marsh also had to undergo surgery for a procedure that served to decompress his spinal cord. The plaintiff also developed cognitive issues that impacted his ability to find and recall words. The plaintiff also developed depression and suffered from chronic pain.
Though attempting to return to work in January 2001, the plaintiff found the experiment unsuccessful and has been unable to work since. Marsh counted on his Unum long-term disability insurance to help make ends meet.
It didn't work out that way, according to the Unum lawsuit.
Marsh made an initial claim under the policy his employer had with Unum. In the first part, the plaintiff claims that Unum insurance incorrectly valued benefits due based on 50 percent of the plaintiff's gross income, rather than 75 percent the plaintiff says he was entitled to.
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Part of Marsh's quarrel with Unum is an allegation that Unum failed to take into account medical evidence duly supplied to the insurer.
Unum continues to suffer from a global reputation that it denies, delays or discontinues benefits in an alleged attempt to wear down policyholders in their pursuit of legitimate benefits. Unum long-term disability insurance is purchased by consumers in good faith, as a failsafe against the unexpected. Many policyholders pay premiums to the industry for years, and yet never need to file a claim, while insurers happily take their money. Some insurers, when a legitimate claim is filed and it's time to return some of that money, stonewall.
Your story mirrors much of mine. They never get the medical facts straight, salaries correct and always have an excuse not to pay. They have offered to pay my personal physicians to change medical opinions, distort facts, pressure them into responding in a limited time frame.
They were always changing the representives who was working on my case. Forever changing their views, requirments and decisions. One of their lowest claims was I did not have insurance policies with them. After supplying them with my enrollments documentation things got worse.
After paying in for years I never got a dollar back. I have been terminated because of disability. My company injured me, declared me disabled, terminated me based on their claims and I have never recieved compensation.
I do have a happy ending though after 2 years and several months medical care from the Cleveland Clinic, a wonderful team of doctors, I recieved a clean bill of health, a full release back to full duty as a flight
attendant only to be terminated by Comair Airlines.
Wish all of you out there, who ever dealt with UnumProvident, Workers Compensation, or a deceitful large coorperation the best of luck in seeking justice against the injustice these company's are capable of.
Please share your stories, my email is firstname.lastname@example.org.
Perhaps together we can make a difference!
Thank for reading this.