Attorneys for Provident Disability Claims
- Unum / Provident / Paul Revere Long & Short Term Disability Claims Video: Episode 13
The old Provident Life and Accident Disability Insurance policies are sometimes referred to as the “golden ticket” due to fact that insurance companies no longer sell similar disability policies.
The old Provident disability policies contained pro-claimant language such as an “own occupation” disability definition and “lifetime benefits” if the insured is disabled by injury or sickness prior to age 65. It is becoming very rare to read a policy that offers a lifetime disability benefit.
Additionally, Provident would sell disability policies that would pay in excess of $50,000 a month. Now, most companies have limited the maximum monthly benefit to $17,500 and a maximum benefit period to age 65.
Our disability lawyers have represented numerous doctors, lawyers, dentist and other business professionals at all stages of a claim for disability benefits.
What Happened to Provident Insurance Company?
Provident merged with Unum to form Unum Provident in 1999. In 2007 the name of the company was changed to Unum for marketing purposes.
During the 1980’s and 1990’s, Provident sold more individual disability insurance policies than any other long-term disability company in the world.
Provident earned a bad reputation as a result of bad faith investigations that took place due to their intentional and wrongful denial of disability claims.
Provident and Unum were eventually forced to re-evaluate all claims that were denied between 1997 and 2004. Provident and Unum were fined $15 million dollars and paid out more than $675 million in additional benefits to policy holders.
In 2004, Unum entered in an agreement with 48 states regarding their wrongful claims handling of long-term disability claims. Click here to read the Unum Multistate Regulatory Settlement Agreement. Any Provident disability claim is really a claim against Unum.
Attorneys Dell & Schaefer Take Provident To Trial And Win
It is important to hire a disability law firm that has the ability and experience necessary to hold Provident’s feet to the fire and make them pay for wrongful denials.
Our law firm has filed lawsuits against Provident throughout the country. For example, we represented a general surgeon that Provident claimed was not disabled due to a back condition. Following a one week jury trial in federal court, the jury determined that Provident was wrong and that our client was disabled. Provident wrongfully denied our client’s claim due to their inability to understand his substantial and material duties as a general surgeon. To gain further insight into the manner in which Provident evaluated our client’s claim, we recommend you watch the Video deposition clip we have included on this page.
To learn more about Provident and how our law firm can assist you, please visit our page discussing Unum disability insurance claims.
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We represent disability insurance claimants all over the United States.
We have handled thousands of disability claims and you can read about them.
- Dell & Schaefer ERISA Administrative Appeal Proves to MetLife that Client is Still Disabled and Claim Not Subject to Certain Policy Limitations
- Mutual of Omaha Approves Dell & Schaefer Client for Short Term Disability Benefits After Administrative Appeal
- CIGNA overturns decision to terminate benefits of telephone sales representative with severe degenerative disc disease
- Prudential Overturns Another Long Term Disability Denial After Dell & Schaefer Appeal
Read what our clients say about us.
- Joe C. ·After being denied twice for my short term disability benefits I called Dell & Schaefer. Then I filed my appeal on my own and was once again denied.After the denial...› continue
- Sabrina J. ·Rachel, Anneli, Carolyn... They were all WONDERFUL! I never would have gotten anything accomplished without their superior knowledge and worth! I would recommend this...› continue
- ShaRhonda D. ·Rachel Alters and her assistance Michal Mizrahi were a godsend. When I contacted their office, Metlife denied my appeal and I was too sick to get out of bed, let alone...› continue