What happens when a really awful disability insurer such as Unum Group engages in new strategies to deny more and more claims?
Recent information received from inside sources indicates Unum recently fired older workers and is training new, younger Specialists to assume all insureds and claimants who submit claims are doing so for secondary gain.
Vilifying insureds and claimants always was a Unum specialty so it does not surprise me that the company is once again (or still) focusing on new claim propaganda training. Years ago I described the training as “brainwashing” and clearly new Unum claims reps will be forced to do what management tells them to do rather than what’s written in policy contracts.
Most Unum employees won’t ever realize the disparity between how disability claims should be reviewed versus how they are actually viewing them. All employees are forced to participate in a claims review process that is unfair and harassing, but know clearly, “it’s Unum’s way, or the highway.” Employees who want to keep their jobs do what they are told and remain faithful to the Unum collective for a paycheck.
Word is that Unum management is also quietly doing away with entire work groups and sending internal departments overseas. I’m also told that internally Unum is masking the disappearance of work groups to give the impression they are still on campus. Why the deception?
What this means for insureds is that Unum’s reps will be managing claims in “high aggressive mode” assuming everyone is dishonest until proven otherwise. Inside resources have also suggested the “training” includes reviewing medical information with “focused selection” (my term) to interpret medical information in ways that are favorable to Unum. In my opinion, Unum Group has always engaged in false medical review evaluation so it’s hard to imagine the process getting worse.
Those with Unum disability claims will need to pay particular attention to differences between what’s true and what isn’t and swiftly take the necessary actions to correct the official record.
Also, as I indicated in my prior post, social media and Internet presence is out of the question. Unum’s website portal should also never be used.
It really is too bad, but inside reports about Unum are never good news. No wonder my resources describe Unum as, “same sleaze, different day.”
