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A network of individuals, independent and alternative media activists and organisations, offering grassroots, non-corporate, non-commercial coverage of important social and political issues. Does the spectre of Unum launching a massive media campaign advertising their income protection insurance policies in the UK while having been advisors to the UK government for almost 2 decades on welfare reform raise the odour of a major conflict of interest and insider trading? Despite the fact that all conditions required for payment of Unum disability benefits have already been met, Unum has allegedly failed and refused to pay benefits in accordance with the terms of the Policy. Beavers contends in his disability insurance lawsuit that he is entitled to the past due benefits for the period from Dec. Beavers is suing Unum for breach of contract, breach of duty of good faith and fair dealing and violations of the Texas Insurance Code. In general, Unum lawsuits are filed individually by each plaintiff and are not class actions. 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. An attorney will contact you if you qualify to discuss the details of your potential case at no charge to you.
Connect With UsFollow us on Twitter and Facebook for the latest Class Action Lawsuit Settlement News! Start a Class Action LawsuitIf you think you have a case for a possible class action lawsuit, get started today. A fortune 500 company, UNUM is a market leader in Group Life, Disability Income, Long Term Care and Voluntary Benefits. Ohio National Financial Services offers Term Life, Whole Life, and V-Pro Universal Life Insurance.
A man, who calls himself John Doe in this lawsuit, is suing Unum Life Insurance of America for wrongfully denying him his long-term disability benefits. He alleges that after following all submission procedures and providing medical testimony, that he is no longer be able to work, but Unum denied him his benefits because his disability came from an addiction.
Doe was a successful medical doctor in the state of Rhode Island, and practiced medicine for many years. Additionally, when Unum investigated Doe’s claim, the company determined he was disabled from his regular occupation and paid the long-term disability benefits for approximately 10 months — from July 15, 2011 to June 3, 2012.

At all relevant times, the Doe’s addictionologist had stated that in his professional opinion that Doe could not return to work in that occupation, due to the risk of relapse. Due to Doe’s addiction, he will no longer be able to practice medicine unless completely treated. As of now, Doe is seeking a declaration that he was disabled under the terms of Unum’s disability plan from July 2011 through July 2013, and that he is entitled to any missed payments, plus additional interest. Unum claim denials lawsuits are not uncommon, and various characteristics of these claim denials have been pointed out in these Unum lawsuits. Beavers has filed a lawsuit against Unum Life Insurance Company of America for allegedly failing to pay him long term disability (LTD) benefits. 23, 2011 until judgment and to be reinstated on the policy for future payments in accordance with the policy. He is seeking for judgment against defendant for damages, interest at the maximum rate allowed by law, post-judgment interest at the maximum rate allowed by law, cost of the lawsuit, and other relief to which the plaintiff may be entitled. Fill out the form on this page now for a free, immediate, and confidential case evaluation.
12, 2011, and received the benefits from Unum after it was confirmed they were needed to cover his addiction treatment. At the time the payments ended, the Doe’s addictionologist did not officially clear him to return to work, because he would be required to work around the drugs to which he had been addicted.
These characteristics are the determined tactics Unum and its partners have used to deny claims. By 2007, the American Association for Justice identified Unum Provident as, “The second worst insurance company in the US”, (with that including all types of insurance companies, not just Income protection), and the company was fined over $36 million dollars for this and ordered to pay out $100’s of millions in compensation. However, Unum allegedly did not, “within 15 days from defendant’s receipt of plaintiff’s claim,” acknowledge receipt of the claim as required by Texas law. The attorneys who work with Top Class Actions will contact you if you qualify to let you know if an individual lawsuit or class action lawsuit is best for you. Due to the nature of his job, the Rhode Island man handled controlled substances on a daily basis.
However, on July 15, 2011, Unum transitioned Doe’s short-term disability claim to a long-term disability claim.

They were even, until 2008, banned from carrying out business in over 13 US states, until agreeing to reopen and review over 300,000 claims, (something they have only done with a small % of them so far), with Unum now using their complex business structure to deny this was anything to do with them as a company, with them saying it was somebody else called Unum. While Doe admits that he was previously addicted to the substances he handled, as it was discovered by his bosses, he did receive treatment for his addiction. However, his treatment funds were undercut significantly because under the long-term disability plan he is under, it limits the payment of coverage to 24 months. Scheuermann is seeking long term disability from Unum under a group policy held by his then employer, claiming that Unum has abused its discretion in the matter.Mr.
Scheuermann worked for a company that builds log home as a carpenter from 1992 until September 3, 2003.
Scheuermann continued to work until the day before his first back surgery on September 4th.  Over the next 6 months Dr. Malone implanted a neurostimulator in the plaintiffs back for pain management.  Despite the years of surgeries and treatments Mr.
Scheuermann claims to suffer from severe back pain.Before the 4th surgery occurred in September of 2004 Dr. Scheuermann’s claim for long term disability which is defined under the policy as a “sickness or injury” that renders the claimant   “unable to perform the duties of any gainful occupation for which reasonably fitted by education, training or experience.” Unum physician Dr. Scheuermann’s file in April of 2006 and claimed that he believed the restrictions and limitations were overly restrictive. Malone had performed several months previously and requested extension x-rays to judge the instability in Mr. Scheuermann’s back after being operated on multiple times.On the basis of the IME Unum vocational consultant Waymire decided that Mr.

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