Unum
Unum has made me feel like a criminal
Hi, I am currently receiving LTD from UNUM. I used to work as a Radiologist Tech at Vanderbilt Medical Center in Nashville, TN. for about 10 years. Than I started having grand-mal seizures. After being hospitalized to Vanderbilt’s epilepsy center for a week, I was diagnosed with refractory epilepsy. (which doesn’t go away or is controlled by medication) I applied for benefits which I received in 2018, and than they were offset once I started receiving SSDI. Upon UNUM request. So, I received two emails from UNUM today stating they were unable to reach me by phone twice, but left messages for me about a month ago. The second email said they were sending someone to my home to conduct an interview. So, I know for a fact I did not receive a phone call(s) or messages from Unum, and yes my correct phone # is on my claim file. I went and checked my phone logs through my provider on the exact dates and there are no calls from Unum. Secondly, they have the interviewers name on the document, so I checked it out. Turns out the interviewer coming to my home is a P.I. who used to be a law enforcement officer that specialized in investigations, interrogations, and fraud! I have no idea why UNUM would falsify in a letter document about not being able to get in contact with me, and now their sending a P.I. to investigate me for fraud when I’ve been diagnosed with refractory epilepsy and continue to have seizures constantly. They have always received all my medical records from Vanderbilt Med Center when they request, which is a lot. This whole situation has caused a lot of stress on me and has actually increased my seizure activity. Which does state in my Medical records that stress can/will cause increased seizure activity. So, I don’t know what to do. UNUM has made me feel like a criminal, I’m under a lot of stress, and I have no idea why they would lie about something when I can prove it through records? The worst part of it all is I have 3 children and two are very young. I do not want a P.I. trying to survey me, my home or my family. Do I need a disability attorney ASAP? Sorry for the very long question, any advice would be very helpful. Thank You in advance!
Reply
Kevin, I am sorry to hear all that you are going through and the stress this is causing you. The policy governing your claim likely does allow Unum to conduct an in-person interview with you, however, it does not have to be at your home and can be at a place you feel comfortable. Also, so long as they are not violating any law, they are allowed to conduct surveillance. With regards to the upcoming interview, please contact us so that we can discuss it and our ability to assist you through this process and with your claim.
