Unum

Unum should be ashamed of the lies they put in my denial letter

Reviewed by Italian88 on June 27th 2014   Verified Policyholder
I have Unum LTD through my employee’s group policy and I also pay extra from my earnings to cover LTD at a max. I have been working in the healthcare industry for the past 8 years and this is the first time I ever had an injury that led me to being disabled. I sustained a traumatic brain injury from slipping on ice. I followed all of Unum’s guidelines and did everything they asked me to do. My attending physician, neurologist and eventually I was referred to a outpatient rehab facility that specializes in post traumatic head injuries. I have been out of work for 5 months and this week I was slammed with a denial letter of any payment from Unum. I was in shock I could not believe all of my deficits I have and I’ve been in therapy for 2 months now and the company denied me all of my LTD payments. I was extremely upset and what bothered me more was my denial letter Unum sent me had false information from all of my specialists and doctors. How can this company function in our country without being shut down? Through the process I lost my residence of living, my car and anything valuable to me. The company should be ashamed of the lies and dishonesty they sent to me in my denial letter. At this point I don’t even know how to react; the company drained me of every dollar I have, forcing me to just want to let them win because I have not a chance at an appeal without legal help, but how do you obtain legal help when the company refused to pay me for over 5 months leaving me with nothing left. I revieved all of my information they received and the disability specialist clearly changed all of my doctor’s opinions and exams into false findings.
Reply
Sent on June 27th 2014 by Attorney Stephen Jessup

Italian88, I am sorry to hear about the denial of your claim. Please feel free to contact our office to discuss how we may be able to assist you in appealing Unum’s denial.