Fuzzy Bus

The reason that many people don’t trust insurance companies is because they have had bad experiences with one — or they know someone in their family or circle of friends who has had a bad experience. Maybe their uncle had a disability claim denied or a sibling was forced to settle for a fraction of the benefits to which they were entitled. In fact, disability and life insurance are rife with bad faith behavior on the part of the insurers.

One of the worst companies is Unum. The number of people faced with Unum claims denial is high because they are one of the largest writers of disability polices in the country and have a history of bad practices. Some of the more common ones that patients need to be aware of are the following:

Stalling or otherwise delaying claims.

Outright denying legitimate claims.

Forcing patients to get multiple independent medical exams.

Employing unqualified experts and witnesses to support their denial of claims.

Harassing claimants through the use of investigators and surveillance as well as pressuring co-workers and supervisors to discredit the injury.

Willfully misinterpreting medical reports or the policy terms or changing the policy after a claim is filed.

Arguing that the disability is pre-existing.

Making partial or minimal payments rather than the full amount to which the client is entitled.

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