I heard about another Unum denial today and I am so sorry to hear of all the denials that are taking place to garner Unum’s 3rd Quarter profitability. This really brings me back to pre-Multi-State Settlement days and the harm this company caused to thousands of insureds.
I want to also say that once any insurer denies a claim, I have to refer you to an attorney for an appeal. I can, of course, assist you in putting together an appeal on your own, but I can’t officially represent you with the insurance company. And, waiting and waiting “to see what happens” isn’t enough time for any third-party to help you. I’ve said many times, that the best appeal is to not have a denied claim in the first place. Therefore, if you suspect Unum, or any other insurer is attempting to deny you, please seek assistance right away.
When Unum got caught the first time, it was with the assistance of 60 Minutes and NBC Dateline, two media programs who publicly exposed Unum’s unfair claims practices.This isn’t likely to happen again, a fact that Unum probably knows all too well.
Unum is denying claims using claims handlers that can barely speak English. I suspect there are managers behind the scenes telling them what to do and how to do it. Unum’s “unfair claims practices” are so many that it would be difficult to describe them all here. Needless to say, the company is out of control and regulators should take another look at Unum.
But, in the meantime, Unum isn’t going to be stopped from denying claims that should be paid. If you need assistance, please don’t hesitate to let me know. Remember, the time to contact me is before the claim is targeted for denial. Once it gets on a Unum target list, it is likely it will be denied.
