• Is Unum Denying More Disability Benefit Claims Than Usual?
  • Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13)
  • Unum Disability Denial & Appeal Tips
  • Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)
  • Did Disability Insurance Claims Examiner Understand A Physician's Job Duties? (Ep. 22)
  • What relationship does UNUM have with hired doctors in disability insurance claims?
  • UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  • 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study
  • Tips About a Unum Medical Examination in a Disability Benefit Claim

Paul Revere

The Paul Revere Corporation probably sold their last disability insurance policy in 1997.

Paul Revere was purchased by Provident Corporation in 1997 and then in 1999 merged with Unum.

Paul Revere disability policies were typically sold to high earning business owners, doctors, lawyers and dentist with the promise that if they could not perform their occupation duties, then they would be able to collect a certain amount of money every month.

Paul Revere was very liberal with their underwriting guidelines in the 1980s which resulted in them selling some very high dollar disability policies with lifetime disability terms and own occupation definitions of disability.

Some Paul Revere disability policies were sold with monthly benefits in excess of $45,000 dollars a month.

In the mid to late 1990’s Paul Revere and Provident engaged in a calculated strategy to intentionally deny the high dollar monthly benefit claims. This strategy involved roundtable discussions and plans to deny a claimant’s benefits simply because they were being paid in excess of $10,000 a month.

In 2004, Unum, as a result of Paul Revere and Provident’s past conduct entered in an agreement with 48 states regarding their wrongful claims handling of long-term disability claims between 1997 and 2004. Click here to read the Unum Multistate Regulatory Settlement Agreement. The settlement agreement resulted in Unum paying additional benefits of approximately $676 million.

How Can We Help Paul Revere Policy Holders?

Since Paul Revere and Unum are now the same company, we have had the opportunity to assist with thousands of claimants with either a Paul Revere or Unum Disability Policy.

Our lawyers are trained to understand how Unum thinks and we anticipate all of their actions.

It is our job to direct our client’s disability claim so that they can maximize the disability benefits they are entitled to receive.

We welcome you to watch a few of our disability videos discussing the actions of Unum.

You can also find additional information on our Unum Disability Claims page, such as court decisions, our resolved cases, and comments from other Unum policy holders.

Please contact us for a free consultation if you are considering filing for disability benefits, have been denied, or are interested in a Paul Revere lump sum buyout of your disability policy.

Read 4 Lawsuit Summaries

Leave a comment or ask us a question

There are 42 comments

  • Partne, how can I help you?

    Rachel AltersAug 12, 2019  #42

  • I think that You and many other attorneys are misunderstanding what the applicable statute of limitations are for many/most LTD policies from Paul Revere et al. You really need to read the policies a little closer. This is an issue that I have been researching for a out a decade.

    NOTE:
    The “WRITTEN NOTICE” Provision is different from The “PROOF LOSS” Provision. UNUM has the courts thinking they are the same thing

    Most of the policies reference when the Proof of Loss is due. Proof of Losses are not due until 90 days after the period of disability ends. So, the period of disability tolls the Statutes of Limitations.

    There is an 8th Circuit case on point regarding this issue.

    I have uncovered some things that has Unum nervous.

    Partne D.Aug 12, 2019  #41

  • SunnyWeather, we would need to see a copy of your policy to determine if you have a case to be made. Typically, a Rider to a policy will contain all language within the rider that applies to the Rider.

    Stephen JessupJan 19, 2017  #40

  • I have been on claim since 1999 for a Paul Revere (now Unum) occupation specific policy. It contains a Social Security rider. I have received COLA increases on both the base policy and the rider every year. I returned for additional education in another field and after nearly a decade I earned credentials to teach online. I am able to do this as it does not require any of the physical requirements of my insured occupation as an anesthetist.

    A ruling was just made that now I am gainfully employed (and I am-but not in “my occupation”) and they are stopping my SS rider. In addition, they are taking away the Cola increases that applied to the SS rider for a total monthly decrease of $1750. The agent who sold me the policy has repeatedly told me that the ss rider is indexed to my income at the time of my initial claim. Without going into all the numbers, the amount I make now would not be greater than 25% of my indexed income. However, the Unum agent states that only the main policy is indexed and not the rider.

    The rider does not state it is or is not indexed. I understood that a rider “added on” the benefit and the basic policy criteria was in effect unless otherwise defined. Do I have a case for appeal?

    SunnyWeatherJan 17, 2017  #39

  • Greytigyr, Unum may still require annual reports while you are receiving continued benefits under the Lifetime Benefit Rider. Without seeing the policy we would not be able to determine if you would be able to return to any type of work. However, most policies require total disability during the lifetime period.

    Stephen JessupOct 3, 2016  #38

  • I have a Lifetime Rider with Paul Revere/UNUM which starts at age 65 ,about 80% of my benefit.
    Will I still be required to submit annual medical reports.?
    Would I be able to return to my prior occupation part time, or would this invalidate the claim?

    Thanks

    greytigyrSep 30, 2016  #37

  • Marie, please feel free to contact our office with a copy of your policy and the denial letter to discuss how we may be able to assist you.

    Stephen JessupAug 12, 2016  #36

  • I purchased a disability policy from Paul Revere on March 22, 1995 and I was told if I was unable to do my normal duties due total disability, my benefits would be paid out even if I was able to do another job. I was working with an agent in his office at the time of purchase and he recommended to purchase this policy before they change the wording. Unum is now denying full payout as I was able to work part time doing something totally different than my usual occupation.

    MarieAug 9, 2016  #35

  • P Hurley, only you can decide whether or not to keep your policy. If you do not foresee stopping work before the age of 65 then it is something to consider, but if there stands a chance your condition may increase to the point of being disabling you may want to consider keeping it.

    Stephen JessupAug 4, 2016  #34

  • I purchased a disability insurance plan with Paul Revere in the 1980s mostly because I began developing arthritis of the hand at age 36 and wanted to be sure I could always provide for my family. I was young, and the insurance agent was aggressive and very persuasive. I am 61 now and have paid the premiums (now $66 per month) every month for decades. Although the arthritis has gotten quick worse, it isn’t stopping me from doing my job. I am also a breast cancer survivor, which also hasn’t stopped me. I plan to retire at age 65. Is this expensive insurance still worth keeping?

    P HurleyAug 2, 2016  #33

  • Manju, please contact our office with a copy of your policy so we can discuss in detail how we can assist you in filing your claim.

    Stephen JessupJun 21, 2016  #32

  • Hi,
    I am a physician who has a current and active disability policy with Paul Revere / NewYork Life. I live in Dallas and was in Indiana on a 4 month contract ad a locum tenens doctor. First day on the job I developed a retinal tear / detachment which needed immediate pneumatic retinopexy. I am scheduled to have laser eye surgery for the tear tomorrow. I am legally blind in my affected eye right now and I do not know when and how much vision will return to that eye. Should I start the disability claim now since there is a 3 month waiting period before monthly payments start.
    What are your fees if I decide to file it through your firm? Thanks.

    ManjuJun 16, 2016  #31

  • Ernestine,

    As indicated, please feel free to contact our office to discuss your situation and to review your policy.

    Stephen JessupDec 6, 2015  #30

  • Hi. Thanks for you response.
    Ernestine here again. Although my illness began in 2006, with subsequent drop to part time, and subsequent large income drop at that time, which continued thereafter, I would not be seeking back payments at all because I understand, the window for that claim has passed. However, I use that as a reference as to what my income was at that time and how it dropped then and will drop even further this year, because of progressive health impairment with the same disease. This would show a drop of income of not just the recent 15%-20%, but 55%-60% in total. I should mention that all of my full-time colleagues who have stayed full time over this time period, earn the same amount as each other, and that quantity has not dropped since, 2005).

    I would also like to share that my policy benefit for full disability is about $6500 a month. I would be looking for some type of pro-rated portion of that going forwarded.
    What are my chances?

    Your response welcome again,
    Ernestine

    ErnestineDec 5, 2015  #29

  • Ernestine,

    We would need to see a copy of your policy. That being said, policies contain certain provisions for Notice of Claim and Proof of Loss in which you have to advise the carrier of a claim. If the claim originated in 2006 without any notice/action to Unum then you may not have grounds back to that time.

    Stephen JessupNov 13, 2015  #28

  • Hello.
    I have a Paul Revere Disability Policy (now UNUM) from 1995 specialty specific (for a physician). Have been paying the premiums faithfully. I reduced to part-time once I was diagnosed with a chronic health condition in 2006, then recently, had to quit “call” for same said health reasons as well. Hence, my pay is significantly less, then in 2006, and now will take another drop.

    However, perusing my policy, I see nothing about permanent partial disability. I don’t think they thought of those things back in 1995.

    Am I out of luck?

    ErnestineNov 12, 2015  #27

  • David,

    Please feel free to contact our office. We will be more than willing to offer you a free consultation and review of your policy to advise you as to your rights under same, and how we may be able to assist you in filing your claim. As the disability benefits will represent your source of income it is always wise to speak with an attorney prior to filing the claim. Oversights/mistakes on the claim forms could result in a denial of benefits that could result in protracted litigation.

    Stephen JessupMay 12, 2015  #26

  • I have had a Paul Revere Policy since the early 80’s – over 30 years of faithful payments. I am now 57 years old and need to file a claim. After online research and finding your site, I am hesitant to even send the initial letter to start the process. Should I seek legal help first? Please advise.

    DavidMay 11, 2015  #25

  • Kathy,

    We cannot advise you as to whether you should drop your coverage, as that is a decision that only you can make. Contact Unum – who purchased and handles the Paul Revere policies and advise them you need a copy. They should be able to find your information, and for a nominal fee (usually $25) send you a copy.

    Stephen JessupMar 30, 2015  #24

  • My husband purchased a Paul Revere disability policy at least 25-30 years ago, or longer. I am not able to find my copy of the policy. My premium is due again, and at age 62 1/2, am wondering if I should pay or drop. How do I obtain a copy of the policy?

    KathyMar 29, 2015  #23

  • Page,

    Applicable statute of limitations may prevent any legal action to recover the benefit; however, with that being said it may be possible to recoup the benefit if in fact you are eligible. Please feel free to contact our office to discuss same.

    Stephen JessupOct 20, 2014  #22

  • Steve,

    My Paul Revere disability policy includes a Premium Refund Benefit Rider, which states PR will pay a Premium Refund Benefit listed in my policy schedule ($746.18) each “Term”, defined as each consecutive 5 year period from date of issue. I do not recall receiving any premium refunds. Is it possible to recoup any past payments at this point? The date of issue was May 3, 1990 and my premium continues to be drafted from my checking account with never any lapses in coverage.

    Page FeudaleOct 19, 2014  #21

  • Steve,

    You can contact your agent, or Unum to inquire as to the current monthly benefit. Additionally, many premium notices or any information they mail to you regarding the policy will have benefit information on it.

    Stephen JessupJan 8, 2014  #20

  • I bought a policy in 1994 from Paul Revere and have kept it current. How do I find out what my benefits are?

    SteveJan 6, 2014  #19

  • Ralph,

    The policy language will always govern, so if someone told you otherwise in selling the policy there is little that can be done to go after Unum (Paul Revere). Please feel free to contact our office to discuss your claim. A better understanding of your definition of disability would be needed to better assess your options/rights/entitlements under the policy.

    Stephen JessupDec 1, 2013  #18

  • Hi Steve,

    I bought a Paul Revere disability policy in 1995, 60k payout per year, $323 per month and never a claim. And current on payments and now 70 1/2 and still working as president of a company in Grand Rapids, MI. I just happen to stumble on your web site and now I know I was not imaging things on what I was told at the time I bought the policy. On several occasions I called Unum and asked about my policy in regards to collecting and keep working in a different position due to stress etc. I was told that there is nothing in your policy that states that and I must be mistaken. Any chance I can get a settlement on misrepresentation?

    Ralph AsseltaNov 30, 2013  #17

  • Nalini,

    Unfortunately, there is no way for me to secure copies of your original policies. From my experience the overwhelming majority of COLA Riders cease COLA increases end at the age of 65.

    Stephen JessupSep 25, 2013  #16

  • Hi Steve,

    I have disability due to auto accident from 89. I had coverage for COLA too by both insurances I had Paul Revere and Minnesota insurance. Both told me that cola is covered for life too as it is accident related.

    I questioned about it right after accident and was told by both parties that it is their in the master policy with insurances which is not spelled out in the individual policy.

    Both companies stopped COLA from my 65th birthday. Is there any way we could get master policy which explains in detail? He also gave me an example when asked saying let us say 30 years multiply COLA amount 7 by Paul Revere and 6 on the compound payments by Minnesota Mutual now Standard.

    I was wondering about you getting the master copy from companies as they disclosed by the agents that it is not spelled out after accident.

    Please let me know if you could. Thanks in anticipation about COLA clarification after accident in the master plan.

    Nalini A. ReddySep 24, 2013  #15

  • Mike,

    If the denial was in 1999, it is very safe to assume the statute of limitations has expired.

    Stephen JessupAug 22, 2013  #14

  • We bought a policy on my wife from Prudential that then was subcontracted and ultimately underwritten by Paul Revere. Policy issued approx 2-1-1998, claimed filed in 1999 denied, we appealed and denied. I would presume all statute of limitations have expired.

    MikeAug 21, 2013  #13

  • Stan,

    You’re right, something does not seem right. I will email you directly to discuss the matter.

    Stephen JessupAug 20, 2013  #12

  • I am on disability with Paul Revere (UNUM). I have 2 business overhead policies that the premiums were paid for since 1988. The policy was to pay 17,800 per month for 24 months. It says it will pay employee salaries. I own 19% of my Dental partnership. UNUM says that they do not have to pay Hygiene salaries because the Hygienist generate income. Yes they do produce income but they are not contract labor and are employees that receive all benefits of my other employees, ie. vacation, sick retirement etc.. My 19% is approx 3500. per month. I understand why they don’t want to pay but it looks like they will save or I will loose nearly 100,000 dollars. No where in my policy does it say hygienist are not considered employees.

    Stan M. ParkerAug 19, 2013  #11

  • Joyce,

    Paul Revere claims are now handled by Unum.

    Stephen JessupAug 14, 2013  #10

  • Which company now is Paul Revere? Where do I make a claim? Where can I get a claim form?

    Joyce SeseAug 13, 2013  #9

  • Terri,

    Unum, now known as Paul Revere, should have a copy of the policy sold to your company. If they do not, then the only way to prove the existence of an old policy is for you to either find a copy or get a copy from your former employer.

    Gregory DellMar 7, 2013  #8

  • How does one go about getting a Paul Revere handbook dated back to like 1998-1999? Unum is now offering me a buyout for the age of 65 and at 70% but I was told by the financial director of my company, the day I went from short term to long term disability that I would receive a check once a month until I was 70 years old and to go to my handbook and read up on it. It has been 14 years and I no longer have the book. But someone should have a copy to prove what age my eligibility is good for. Any suggestions on where or how to get a copy of the Paul Revere life insurance/disability handbook? Any help I really appreciate it.

    Terri WilliamsMar 6, 2013  #7

  • Frank,

    Good question. It depends on what state you live in and how long after you retired that you become disabled. In some states the law is that if you have a policy and have not worked, then the occupation for purposes of the policy will be what you were doing when you last worked. Your occupation could also be that of a retired person, but that again would depend on what you do as a retired person. You are probably better off keeping the policy another few years.

    Gregory DellJun 27, 2012  #6

  • I have had a Paul Revere policy since 1988. Have paid premiums each month without fail. I am now retired (age 60), no income, except my own retirement income. Should I keep this policy for any reason or do they pay if I become disabled, if I pay premiums for the remainder of my life?

    Frank YogusJun 26, 2012  #5

  • Charlestine,

    You need to review your disability insurance policy in order to determine the maximum benefit period for long term disability benefits. This information is usually on the Schedule Page of your disability policy.

    Gregory DellNov 10, 2011  #4

  • If i become disabled at age 62, how long will my policy pay?

    Charlestine CarterNov 10, 2011  #3

  • Art, if your disability policy has a return of premium provision, then you need to file a claim with the company. It is rare to have such a benefit, but they do exist.

    Gregory DellMay 10, 2011  #2

  • I had a long term disability insurance with Paul Revere. When I got it they told me that any premiums paid would be returnable if I did not use the disability insurance. Well I did not use the disability and I have paid well over $11000.00 in premiums over the years. I am 65 and no longer want to carry the policy. How do I collect?

    Art LopesMay 9, 2011  #1

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