An Unum bad faith insurance denial lawsuit was filed by a South Dakota man against Unum Life Insurance Company alleging the company wrongfully denied long-term disability benefits under his employer’s plan.
Long-term disability benefits provide financial benefits to employees when they are unable to work due to a disability regardless of whether that illness or injury is work-related.
Unum Insurance policyholder and plaintiff Paul E. filed the Unum bad faith insurance lawsuit in October. He was a former employee of Black Hills Surgical Hospital and participated in the company’s group disability insurance plan which contracted with Unum Insurance to provide long-term disability benefits to full-time employees, the Unum lawsuit says.
According to the Unum disability benefits lawsuit, Paul was unable to continue to work because of an undisclosed disability. Unum allegedly violated Paul’s right to disability benefits under ERISA by denying his claim for long-term disability benefits without legal justification.
Paul has exhausted all appeals and is seeking to recover benefits due under the terms of his plan as well as all legal costs by filing this Unum bad faith insurance lawsuit.
Unum Bad Faith Insurance Tactics
Unum is a Chattanooga, Tennessee-based Fortune 500 insurance company previously named UnumProvident, which was formed from the merger of two competing insurance companies, Unum of Portland, Maine, and Provident Life and Accident Insurance Company of Chattanooga. Unum and its subsidiaries offer insurance products such as:
- Disability insurance
- Group life insurance
- Long-term care insurance
- Voluntary benefits – e.g., disability or critical illness coverage
Long-term disability insurers must act in good faith and deal fairly with their insureds when processing claims. Sadly, this doesn’t always happen as Unum Insurance has repeatedly been accused of engaging in insurance “bad faith” practices such as:
- Delayed payment on a valid claim without justification
- Failed to respond to disability policyholder requests
- Made endless demands for additional information
- Made an unreasonable request or the failure to order an Independent Medical Examinations
- Performed an invalid Functional Capacity Evaluations (FCE)
- Failed compliance with ERISA rules and regulations
- Ignored new medical, occupational or financial information
- Conducted selective video surveillance of claimants
- Made a lowball settlement offers or policy buy-out offer
- Misinformed you about the terms of your policy
- Failed to independently evaluate all of your conditions that prevent returning to work
Thousands of lawsuits like Paul’s have been initiated against Unum for bad faith insurance practices. Additionally, Unum became the focus of negative media attention in 2002, after several plaintiff’s attorneys who had sued the company went to national television outlets claiming that the company had quotas for closing claims. CBS’s 60 Minutes aired a very devastating article about Unum’s alleged abuses.
If you thought you were properly insured against long-term disability under an individual or group policy through Unum Insurance or its subsidiaries, only to have your valid claim for disability benefits denied, you are not alone. When an insurer fails to pay benefits that you need and deserve, you have the right to appeal the denial or take further legal action.
The Unum Insurance Lawsuit is Case No. 5:15-cv-05078-JLV in the U.S. District Court for the District of South Dakota, Western Division.
Do YOU have a legal claim? Fill out the form on this page now for a free, immediate, and confidential case evaluation. The bad faith insurance attorneys who work with Top Class Actions will contact you if you qualify to let you know if an individual lawsuit or Unum class action lawsuit is best for you. [In general, Unum bad faith lawsuits are filed individually by each plaintiff and are not class actions.] Hurry — statutes of limitations may apply.
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If you were denied a disability claim or had your Unum disability benefits terminated without reason, you may be able to take legal action against the insurer. See if you qualify by filling out the short form below.
An attorney will contact you if you qualify to discuss the details of your potential case at no charge to you.
- First Name*
- Last Name*
- Street Address*
- Apt. #
- City*
- State*
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- Have you or a loved one been denied disability insurance?*
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- Please check the insurance companies who denied your claim:*
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Unum Group
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UnumProvidentSecond Choice
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Unum Life Insurance Company of AmericaThird Choice
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New England Life Insurance Company
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John Hancock Financial
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John Hancock Insurance Company
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Metropolitan Life Insurance Company
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Provident Life & Accident Insurance Company
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Provident Life & Casualty Insurance Company
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Paul Revere Life Insurance Company (Paul Revere Life)
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Colonial Life & Accident Insurance Company (Colonial)
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Colonial Life Insurance Company
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Genex
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Duncanson & Holt
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MetLife (Metropolitan Life)
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New England Life and Equitable Insurance
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Equitable Life Insurance Company
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The post Unum Denied Disability Insurance Benefits to South Dakota Man, Lawsuit Says appeared first on Top Class Actions.
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