"Surgery helped for a while but my hands and arms swelled up again so I was scheduled for another surgery," says Barbara. "Then my appendix burst so that set me back and I had to reschedule." During this time, Barbara was receiving regular checks from workers' comp; apparently she didn't qualify for short term disability from Unum, even though it was 100 percent an occupational work injury.
"When Unum sent the letter telling me I didn't qualify for short term disability, I talked to HR at work and they told me to call Unum back," says Barbara. "But Unum told me to call HR. The factory laid me off with a work-related injury so I had to get an attorney and finally got workers' compensation but I had to wait several weeks. I was supposed to collect for about two years (my last check was December 28th, 2006). Workers' compensation found me a light-duty job in between so it really lasted more than two years.
On December 10, 2004 I had surgery on my right hand then another surgery in March, 2005. I never did go back to work. The factory said I was a high risk and couldn't hire me back--there was no work for me. I sent all my workers' compensation paperwork into Unum and they finally started paying my long term benefits. My first check that I got from Unum was for $3,000 but they took out partial social security so I really wound up with about $2000. That was in 2005.
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I just received a letter from Unum saying that I owe them $15,000!
I can't understand why. And they say if I don't pay it they will start legal action against me. I have every bit of paperwork and I didn't even receive that amount of money from Unum! They said that I have to pay back my son's social security money. Unum added up all my family's social security and now want me to pay that back as well! I don't have any money; I told them by bank account is empty. At this point I don't know what to do because they are trying to rip me off and I don't know which way to turn."