After taking several months to evaluate appeal denials for a client, Unum rendered a surprising decision to not overturn and pay benefits. “Shared or Common Claims” describe situations when insureds have more than one Unum policy, most often an employer sponsored group plan and a disability income replacement policy. Unum provides “common claimant’s” with a lion’s share [...]
Archive for the ‘Appeals’ Category
Unum Denies Legitimate “Shared or Common” Claims
Posted in Claims Process, Appeals on April 1, 2012 | 10 Comments »
Unum – Are You Asking For That Again? It’s In The File!
Posted in Appeals, Claims Process on February 26, 2012 | 11 Comments »
One of the most frustrating issues when managing Unum disability claims is receiving frequent requests for information already provided. Recently, a claimant with a claim on appeal received a letter asking for his help in obtaining records from one of his physicians. Upon further inspection of the claim file provided as part of the appeal, [...]
Claimant Appeals – NOT A Good Idea!
Posted in Appeals on October 27, 2011 | 8 Comments »
Due to the downturn of America’s economy there are many claimants who are attempting to process their own claim denial appeals using information obtained from the Internet (including this Blog). Those who read my posts know I have never recommended claimants attempt to submit claim appeals on their own. Whether claimants choose to hire consultants, attorneys or other [...]
Unum – The “Illusion” of Appeal Fairness
Posted in Appeals on September 8, 2011 | 14 Comments »
Unum’s current appeal process doesn’t even attempt to give the illusion of fairness or objectivity of review. Requests for appeal appear to be floating back and forth from the official “Appeals Unit” to the claims specialist and resources who made the initial denial decision. But, be careful. Apparently, this is how the Unum appeals process currently works: [...]
