Category Archives: Filing Disability Claims

Why Is It So Hard to Collect on My Disability Insurance Policy?

Attorney Ed Comitz’s article, Why Is It So Hard to Collect on My Disability Insurance Policy? Avoiding Mistakes when Filing a Claim, was published by Whitehall Management in its May/June 2010 Newsletter magazine. The article explains why dentists and other healthcare … Continue reading

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Unum Profits While Ailing Workers “Gut it Out”

In an interview with Andrew Frey of Bloomberg Businessweek, Unum Group CEO Thomas Watjen said that the economic slump has resulted in fewer disability claims being filed, with workers suffering from lower back pain, nervous conditions and other “more discretionary” conditions more … Continue reading

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Too Sick to Work? They Disagree

In the February 10, 2010 edition of SmartMoney Magazine, Brad Reagan writes: Once employees go on disability, critics say, insurers today are more likely to require hour-long chats on the phone, hound patients for medical updates and push them back to work … Continue reading

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Colorado Bill Aims to Prevent Unum-like Denials

In an April 1, 2010 article appearing on lawyersandsettlements.com, Gordon Gibb reports: With an eye towards preventing the kinds of practices once employed by Unum over the years and under a variety of names, including First Unum, Unum Insurance and … Continue reading

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Once ERISA, Always ERISA: How and why to avoid having your disability insurance policy sucked into the black hole of ERISA

Disability insurance carriers have increasingly used The Employee Retirement Income Security Act of 1974 (ERISA) to their advantage.  While ERISA was supposed to be for the protection of employees, it is actually being used to protect insurance companies and employers. … Continue reading

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Federal Court Affidavit of Former Unum Employee

A sworn affidavit by a former UnumProvident employee in a 2004 case in the United States District Court for the District of Maine (Case No. 2:2004cv-00001) provides interesting insight into some of the tactics used by Unum.   Daniel Donatelli’s affidavit … Continue reading

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Unum’s Profitability May Be Illusory in Light of Reserve Cuts, According to Barron’s

Disability insurer Unum has increased profits by trimming an account that reserves against future claims.  According to Barron’s, because Unum was wracked with scandal and unprofitability over the last decade, largely due to its administration of poorly underwritten and priced … Continue reading

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ABC News: Man With MS Fights for Long-Term Disability Insurance

Good Morning America recently featured a story about an accountant from Florida, Chris Tucker, who had been diagnosed with Multiple Sclerosis by 11 doctors, having difficulty collecting his long-term disability insurance benefits from Standard Insurance Company because Standard’s doctor – who … Continue reading

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Planning for Possible Health Problems: How Much Disability Insurance Should You Have?

As Chris Clark writes in a DoctorPlanning.com article “Planning for Possible Health Problems: How Much Disability and Long-Term Care Insurance Should You Have?”, health problems are one of the most common reasons people retire before they intended.  But knowing how much and which disability and … Continue reading

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Sun Life Facing Proposed Class Action in Michigan Over Discretionary Clauses in Disability Policies

A suit filed by a disabled woman with a severe back injury alleges that Sun Life Assurance Company of Canada violated Michigan’s insurance reforms by including discretionary clauses within its policies.   The discretionary clauses provide insurers with considerable leverage when … Continue reading

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