A New Bait and Switch Tactic by Unum Disability Insurance Company
Unum reached a new low today which displays absolute disregard for the rights of a UNUM insured. Our law firm advised Unum in a January 16, 2016 letter that we would be sending a videographer to record the Orthopedic Compulsory (Independent!) Medical Examination requested by UNUM. On January 18, 2016 Unum sent us a letter stating that they scheduled a videographer and that UNUM would pay for the videographer. Unum also advised that we would receive a copy of the “video evaluation”. We called Unum the day before the examination and confirmed the presence of the videographer.
Our client showed up for the Exam and the videographer advised our client that he was instructed by UNUM to leave the lens cap on the video camera and only record sound. We had an agreement that this exam would be videotaped and at no time were we advised that this was only going to be audio recorded. It is extremely disappointing that UNUM manipulated our client’s effort to preserve the validity of the Compulsory exam. It is a shame that UNUM cannot be trusted with the simple task of allegedly hiring an independent videographer.
All UNUM claimants should be on notice of this new claims handling technique of UNUM so that this never happens again. We have requested an original apology letter signed with blue ink by the CEO of UNUM and a written explanation as to why the videographer was told to audio record only. This act by UNUM is reckless and could subject them to bad faith penalties if benefits are denied to our client. Luckily for UNUM, the chances our client being denied are slim as he is significantly disabled and his claim is extremely well documented. The IME that was requested was just another attempt by UNUM to deny benefits.
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Q: Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum.
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I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
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Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
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This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.