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Unum Disability Insurance

Unum disability insurance is held by hundreds of thousands of individuals in the U.S., in individual and group (employer-provided) policies. The purpose of disability insurance is to provide money that replaces some or all of the income lost when an employee is unable to work due to a disability (e.g., an accident, illness or maternity leave, and whether short-term or long-term).

Unum offers a variety of disability insurance forms:

  • "Long-term disability" pays a percentage of an individual's gross monthly salary if he or she can't work due to a covered injury or illness.
  • "Short-term disability" pays a percentage of the income if the policyholder misses work due to a covered injury, illness or maternity leave.
  • "Supplemental disability insurance" adds to (i.e., supplements) an individual's group disability insurance, which by itself may not be enough.
  • "Long-term care" provides financial benefits when a covered individual needs help with two or more activities of daily living. The benefits may also cover assistance in the home or in a nursing care facility.
  • Critical illness, cancer, and accident insurance

Unum Disability Insurance Denials

Unum (and its earlier incarnation, UnumProvident and subsidiaries such as Provident Life) doesn't like to talk about the times that they deny disability benefits to claimants. The companies maintain that they have a careful and fair system for granting benefits to deserving policyholders, and that many individuals try to "scam" disability insurance providers. Although it's true that some people do fake injuries or illnesses to falsely obtain disability payments, a larger concern is the number of people who have been unfairly denied disability benefits by Unum.

Unum Disability Benefits Reassessed

The denial by Unum of disability benefits has left thousands of individuals without the financial assistance that they desperately need. Fortunately, in the early 2000s, the insurance commissioners or regulatory agencies of all 50 states and the District of Columbia examined the claims-handling practices of the three disability insurers owned by UnumProvident:

  • Unum Life Insurance Co. of America
  • The Paul Revere Life Insurance Co.
  • Provident Life and Accident Insurance Co.

As a result, these three companies eventually agreed to change their claims-handling practices and - in a significant coup by the insurance regulators - to reassess a specific group of long-term disability claims from as far back as 1997.

If You Completed a Unum Disability Claim Form

If you are at or past the stage in which you have completed a Unum disability claim form, it's a good idea to consult an attorney who is knowledgeable about Unum's bad faith record. Protect your rights - arrange a free consultation with our Unum lawyers.

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