Tag: Unum / Provident / Paul Revere

Ohio Court Upholds Unum’s Denial of Accidental Dismemberment Benefits

Collins v. Unum Life Insurance Company of America is a case with an unfortunate result for plaintiff Daniel Collins who fractured his ankle when he fell in the employee parking lot. Initially surgery was performed and various screws put in place to hold the tibia and fibula together and securing the medial malleolus. For about… Continue Reading

Has Unum Increased Long Term Disability Denials?

UNUM insurance company seems to been firing up more denials and looking at people that have been on claim for a while. Most claimants think that if they have been on claim for a few years, then they should remain on claim until the policy ends. Unfortunately this is not true as Unum is constantly… Continue Reading

Unum abused its discretion by disregarding results of a functional capacity evaluation (FCE) of a disabled registered nurse

Can a Functional Capacity Evaluation be Useful to determine if a Claimant with Fibromyalgia is disabled? It is very common for an insurance company to deny disability benefits to individuals suffering from Fibromyalgia. This happens more often than not due to the inability to provide the insurance company with objective proof of the disability, as [&hellip… Continue Reading

Unum was wrong for not considering the claimant’s job duties during its claim review

In this recent case out of the Eastern District of Pennsylvania the court found that Unum had abused its discretion when it failed to consider whether the claimant could do the material and substantial duties of her regular occupation. The case answers a question posed by many claimants: Is the insurance company obligated to consider … Continue Reading