Unum settles allegations of wrongful claims handling

UnumProvident yesterday settled with California investigators for $8.6 million over allegations of improper claims handling.

California’s insurance department investigated the disability insurer for erroneous claims denials and benefit terminations for individuals with brain damage, spinal cord injuries, heart disease and AIDS.

The state contends the country’s largest provider of disability insurance wrongly applied the definition of “total disability.” It also claims the insurer improperly overruled claimants’ doctors’ opinions based on in-house reviews; improperly overruled the opinion of in-house medical personnel who supported a finding of disability; and wrongly used independent medical exams, portions of medical records, and other medical findings to the company’s advantage.

While it did not admit wrongdoing, UnumProvident agreed to alter policy language and has filed new group policies that will be marketed in California beginning Nov. 1 because, under the settlement, the company can’t continue selling existing policies after that date. Those who have an old policy with UnumProvident won’t have to write a new one, but the insurer will have to handle their claims under new guidelines in the settlement. UnumProvident insures 25 million people.

Questions About Hiring Us

Do you help Unum claimants nationwide?

We represent Unum clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Unum disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Unum. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Unum.

How do you help Unum claimants?

Our lawyers help individuals that have either purchased a Unum long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Unum:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

ShaRhonda D.

Rachel Alters and her assistance Michal Mizrahi were a godsend. When I contacted their office, Metlife denied my appeal and I was too sick to get out of bed, let alone try and fight the a giant insurance company! I was so lost and confused, I had all of my doctor’s saying I was disabled, I was taking the medication for my disability, Metlife said they covered my illness in their policy, so I couldn’t understand what the problem was! Further more, I didn’t have the energy to try and figure it out on my own.

Luckily, I didn’t have to. From the first day I spoke with Rachel, she was my David verses my Goliath, MetLife. Having her represent me was the best thing that could have ever happened for my family. She took over all correspondence with Metlife and her team answered ALL of my questions thoroughly and promptly. They were professional, courteous, and best of all, they understood how to fight Metlife and win.

Because of Rachel’s hard work with MetLife, I was able to focus my energy back on my family and trying to heal instead of answering stupid questions and jumping through bureaucratic hoops. My settlement was above and beyond my expectation and I am so grateful that I had such an ally in Rachel Alters.

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