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Located in both the U.S. and the U.K., the Unum Group (previously known as Unum Provident Insurance Corporation) includes a vast number of subsidiaries that comprehensively provide life, social security and disability insurance to employees and employers around the world.
Currently, the Unum Group covers about 25 million people and has been ranked the number one insurer in long-term disability (LTD) coverage and care.
Such accolades, however, have recently been overshadowed by the fact that the Unum Group has been proven to regularly act in bad faith in order to deny claimants disability benefits. In fact, in 2008, a Boston jury found Unum guilty of fraud regarding the lack of payment of social security benefits. Additionally, juries throughout the U.S. have ruled that Unum has repeatedly acted in bad faith in an effort to deny or minimize payments for disability claims.
If you or a loved one suspect that the Unum Group has defrauded you or acted in bad faith regarding your claims, you may be entitled to file a claim seeking compensation for your losses. To learn more about your legal rights and to find out if you qualify to recover damages, it is important to consult a Unum attorney who has experience in handling bad faith claims.
In theory, employees pay a percentage of their weekly incomes to Unum (or another insurance company) so, in the event they are unable to work, Unum will provide them with disability benefits. Such social security benefits are typically paid in the event of:
In practice, the Unum Group had been advising claimants to also apply for government disability benefits. Any disability benefits awarded by the government would offset the amount of money Unum would then pay the claimant.
For example, an employee who pays about $200/month to be insured by Unum is unable to work for nine months due to maternity leave. Unum determines that she is entitled to $2,700/month and then advises her to apply for/collect government social security disability benefits.
The government awards $2,500/month, so Unum credits this towards what it would pay and only pays out the difference – $200/month. This type of fraud essential puts the burden of paying out social security benefits on taxpayers while the Unum Group kept the profits.
All of these companies have come under fire as a result of practicing bad faith and fraud with respect to social security disability claims.
Those who have been defrauded by Unum or who suspect Unum has acted in bad faith regarding their claim will likely qualify to file a legal claim seeking compensation for their losses.
If Unum has wronged you, or if your loved one has been denied benefits, it is important to seek legal guidance from an experienced attorney who understands bad faith claims. Insurance bad faith claims are often complex and require the knowledge of an experienced injury attorney. To learn more about your legal rights and to speak directly with a lawyer in your area, contact our Unum lawyer today.
We will provide you an honest assessment of your case and fight aggressively on your behalf.
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