A California physical therapist has filed an Unum lawsuit against the disability insurance provider over allegations of bad faith practices.
Plaintiff Arthur K. alleges he carried two insurance policies through Provident Life & Accident Insurance Company (Unum) to help cover his physical therapy business as well as his personal income should he eventually become totally disabled.
The bad faith claim lawsuit states that Arthur’s business overhead insurance policy would provide him with $11,960 per month until a total of $143,520 is reached. In his second policy, Arthur claims that he should have received no less than $15,000 per month.
According to the Unum lawsuit, Arthur’s business employs 50 workers in six different rehabilitation centers. He was allegedly required to drive long hours in between centers and personally perform physical therapy on patients.
However, Arthur was diagnosed with degenerative disc disease and severe bilateral foraminal narrowing in the spine — making it difficult to sit, stand or walk for long periods of time. Although he was treated by epidural injections, he claims that symptoms worsened overtime.
The Provident Life & Accident Insurance Company lawsuit alleges that Arthur did not want to walk away from a profession he had for almost 30 years and was worried that his business would fail but he eventually was deemed to be totally disabled in March 2013.
Plaintiff Arthur states that he received long-term disability benefits between June 2013 until April 2014 when Unum decided to discontinue his benefits despite his continued disability. Arthur says he has exhausted all administrative appeals and was forced into filing the Unum lawsuit in order to obtain benefits that are rightfully his.
The bad faith claim lawsuit alleges Provident Life & Accident Insurance Company is in breach of contract by withholding disability benefits for a valid claim.
Bad Faith Insurance Claim Denials
Unum/UnumProvident and its subsidiaries cover nearly 40 percent of disability insurance policies in the U.S. with more than 17 million policyholders. Unum/UnumProvident has faced thousands of bad faith insurance lawsuits by plaintiffs who claim they are owed for unpaid disability benefits.
Over the years Unum/UnumProvident has been accused of a number of bad faith practices including:
- Refusing to acknowledge disabilities
- Misreading medical records in order to deny claims
- Claims representatives who take favorable opinions of nurses over physicians when it comes to disability reports
- Investigations that are performed by biased and sometimes unqualified “experts”
- Changing policies once claims are filed (and without the authorization or knowledge of policy holders)
- Omitting records to record reviewers when it would show a claimant as disabled
Unum Claim Denial Lawsuit Information
An Unum/UnumProvident class action lawsuit investigation has been launched over allegations from disability insurance policyholders that their claims were unfairly denied or terminated.
If your claim was denied, you may consider filing a disability insurance lawsuit against Unum Life Insurance Company in order to receive payment. Contact an Unum attorney to find out if you have legal claim.
The Unum Bad Faith Claim Lawsuit is Case No. 2:2015cv09635 in the U.S. District Court for the Central District of California.
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.
Top Class Actions is a Proud Member of the American Bar Association
LEGAL INFORMATION IS NOT LEGAL ADVICE
Top Class Actions Legal Statement
©2008 – 2016 Top Class Actions® LLC
Various Trademarks held by their respective owners
Get Help – It’s Free
Join a Free Unum Class Action Lawsuit Investigation
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*
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific
- Zip Code*
- Phone*
- Email*
- Have you or a loved one been denied disability insurance?*
YesNo
- Please check the insurance companies who denied your claim:*
-
Unum Group
-
UnumProvidentSecond Choice
-
Unum Life Insurance Company of AmericaThird Choice
-
New England Life Insurance Company
-
John Hancock Financial
-
John Hancock Insurance Company
-
Metropolitan Life Insurance Company
-
Provident Life & Accident Insurance Company
-
Provident Life & Casualty Insurance Company
-
Paul Revere Life Insurance Company (Paul Revere Life)
-
Colonial Life & Accident Insurance Company (Colonial)
-
Colonial Life Insurance Company
-
Genex
-
Duncanson & Holt
-
MetLife (Metropolitan Life)
-
New England Life and Equitable Insurance
-
Equitable Life Insurance Company
-
Other
-
- ¿Necesita un orador español?
- Yes
- No
- Please enter any additional details you would like the staff reviewing your submission to know.*
- I understand and agree that submitting this form does not create an attorney-client relationship and that the information I submit is not confidential or privileged and may be shared.*
-
Yes
-
-
if(typeof gf_global == ‘undefined’) var gf_global = {“gf_currency_config”:{“name”:”U.S. Dollar”,”symbol_left”:”$”,”symbol_right”:””,”symbol_padding”:””,”thousand_separator”:”,”,”decimal_separator”:”.”,”decimals”:2},”base_url”:”http:\/\/topclassactions.com\/wp-content\/plugins\/gravityforms”,”number_formats”:[],”spinnerUrl”:”http:\/\/topclassactions.com\/wp-content\/plugins\/gravityforms\/images\/spinner.gif”};jQuery(document).bind(‘gform_post_render’, function(event, formId, currentPage){if(formId == 32) {gformInitChosenFields(‘#input_32_5′,’No results matched’);if(!/(android)/i.test(navigator.userAgent)){jQuery(‘#input_32_7’).mask(‘(999) 999-9999’).bind(‘keypress’, function(e){if(e.which == 13){jQuery(this).blur();} } );}} } );jQuery(document).bind(‘gform_post_conditional_logic’, function(event, formId, fields, isInit){gformInitChosenFields(‘#input_32_5′,’No results matched’);} ); jQuery(document).ready(function(){jQuery(document).trigger(‘gform_post_render’, [32, 1]) } );
The post Unum Claim Denial Lawsuit Filed by Physical Therapist appeared first on Top Class Actions.
No comments:
Post a Comment