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Episode 13 Unum / Provident / Paul Revere Long & Short Term Disability Claims

In this episode disability insurance attorneys Gregory Dell, Stephen Jessup and Cesar Gavidia of Attorneys Dell & Schaefer discuss Unum and their handling of long term disability insurance claims. Unum has taken over all disability polices sold by Paul Revere, Provident, Unum Provident, and Colonial Life. Unum is the world’s largest provider of disability insurance company and this video is short summary of the company and their disability claim handling tactics.

Unum is a multi billion dollar company with 10,000 employees that has a long history of selling and administering disability insurance claims. In this video we discuss the Unum Claim Reassessment which resulted in a $15 million dollar fine and the payment of over $600 million in disability benefits for claims that were wrongfully denied. Additionally our disability lawyers discuss some lawsuits around country against Unum, Unum’s unreasonable conduct as discussed by different courts, Unum’s reliance on objective evidence in order to prove disability, Unum’s handling of both individual and group (ERISA) disability claims, and Unum Bad Faith lawsuits.

Despite Unum’s attempts to change their notorious disability claim handling, we continue to see unreasonable claim handling actions by Unum. Our law firm has represented hundreds of Unum disability claimants and we are familar with all of Unums’ method of operation.

Please note: Disability insurance attorney Gregory Michael Dell created Disability Insurance Law TV in order to educate long term disability claimants about common issues related to long term disability insurance claims. New episodes are filmed on regular basis. Our disability videos are for informational purposes only and they are not legal advice.

There is one opinion so far. Add your comment now.


My wife had to go onto STD (Not LTD) from her employer several months ago.

Her employers plan with UNUM stated, as with her benefit, she had 1 week withholding on her first of 26 STD checks = (25 weeks of STD total). My wife is now permanently disabled.

After 23 weeks of collecting her STD checks, UNUM stopped her payments, shorting her by 2 weeks of payments. Nothing new from these folks, it’s their method of shorting and targeting the disabled. Yes, they still practice this hatred.

The UNUM Rep handing my wife’s case, stated UNUM was correct in doing so, stopping her checks, and that my wife had indeed received the full 25 weeks of STD. In hindsight, I was employed in Aviation for 25 years and had to retire due to Arthritis. My companies STD plan paid my full 26 weeks, as they should have, no questions asked. Then, you have UNUM doing as they please.

First off…in reference to my wife’s case, bank statements and disability “Check Stubs” prove UNUM is wrong. Of course they are, they’re trying to save their money.

Secondly…why is UNUM not under the microscope by the Supreme Court for negligent practices, denying claims and creating infractions of ERISA…only to be left into the hands of the disabled into hiring attorneys to force the hand of the law? Of course, these are the reasons for a Labor Attorneys help, but with the past reputation UNUM has, is a million dollar (+) Fine/Settlement against UNUM, now considered “Business as usual”?

My wife and I will “for go” proper methods for her to receive her 2 final checks due, as she is deemed permanently disabled thru Social Security…because we have to, and UNUM has once again, created just another Business as Usual case Monday thru Friday…as the Supreme Court sits in the shadows and does not pull the plug on…UNUM.

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