• Is Unum Denying More Disability Benefit Claims Than Usual?
  • Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13)
  • Unum Disability Denial & Appeal Tips
  • Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)
  • Did Disability Insurance Claims Examiner Understand A Physician's Job Duties? (Ep. 22)
  • What relationship does UNUM have with hired doctors in disability insurance claims?
  • UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  • 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study
  • Tips About a Unum Medical Examination in a Disability Benefit Claim

UnumProvident continues DI settlement talks with California

By Trevor Thomas

UnumProvident Corp. has postponed its annual investor meeting until Oct. 17 in the hopes it can settle charges by California regulators that the company has improperly denied disability insurance claims.

The company originally had scheduled the meeting for Sept. 21. In announcing the postponement, UnumProvident said it hoped that the delay might enable it to complete a settlement with the California Department of Insurance, which has been investigating the company’s claims-handling procedures.

Last year, insurance regulators in 37 states reached a settlement with a number of disability carriers, including UnumProvident, over certain disability claims denied from 1997 through 1999. The charges originally were filed in 2003.

As part of that settlement, UnumProvident, the leading DI carrier, also volunteered to review more than 200,000 cases filed after Jan. 1, 2000.

But John Garamendi, insurance commissioner for California, declined to accept that agreement, saying the deal “had significant shortcomings,” according to the Los Angeles Times.

Garamendi’s office declined to comment on the latest negotiations or even to acknowledge they were taking place.

In a comment on the postponed meeting, analysts from Bear Stearns Cos., New York, noted UnumProvident set a date for the stockholder meeting about 6 months ago, believing “there was a high likelihood that a settlement would be reached by Sept. 21.”

The company thought the meeting would be a chance to explain to investors the meaning of the settlement and its consequences, Bear Stearns says.

“We do not believe that the postponement indicates a greater likelihood of a possible sale of the company,” the analysts added.

UnumProvident says it will make its October meeting available live on the Web.

Questions About Hiring Us

Do you help Provident claimants nationwide?

We represent Provident 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 Provident disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Provident. 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 Provident.

How do you help Provident claimants?

Our lawyers help individuals that have either purchased a Provident 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 Provident:

  • 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   *****

Skipp (California)

I am writing to highly recommend Greg Dell & The Law Offices of Dell & Schaefer as disability attorneys. Greg has handled my permanent disability case for over ten years. Along the way, disputes with the insurance Co. were quickly handled by Greg where, in each instance, we always prevailed. Regardless of the pressure to discontinue benefits, Greg assured my uninterrupted flow of benefit checks.

Years ago I had met an attorney from The Law Offices of Dell & Schaefer at a dental meeting and the message (& Biz card) I took away that day became extremely valuable when, much later, I suffered a career-ending injury and had to file for permanent disability benefits.

Even before filing a disability claim, the insured person needs the protection, advice, and power of a good disability attorney. There are potential hidden traps throughout & especially early the claim process. Disability insurance Co.’s look to circumvent their duty to pay. They don’t just write the checks! Dealing with my claim, I often felt my Insurance Co. was taking advantage of me.

To successfully claim & receive continuing benefits, it was clear early on that I needed legal representation. I called Dell & Schaefer, spoke with Greg Dell, and immediately understood that this attorney knew exactly what I was going through & that he had the experience and power to represent me, to stand up to the insurance Co., & to assure my uninterrupted benefits. As soon as Greg took over my case, all correspondence from the insurance Co. went straight to him for his handling. No longer were those insurance Co. letters being delivered to where I live, where they would result in distraction & uncertainties in my home.

It’s been a great relief to my family & me to have Greg Dell and the staff at the Law Offices of Dell & Schaefer, on the job, responding, on my behalf, to the insurance Co.’s relentless pressure to reduce or discontinue my benefits. Greg Dell deserves and receives my highest possible recommendation as a disability attorney.

***** 5 stars based on 202 reviews

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