The Unum Provident Corp, UnumProviden. Unum Life Insurance Company Of America, GENEX Services, Long Term Disability SCAM, Con, Deceit, Fraud, Criminal, Despicable, Outlawed, Deceptive, Disgusting, Appalling, Fraudulent Claims Processing Continuing, Destroying Innocent Peoples Lives, BEWARE, A VERY SERIOUS WARNING HQ Chattanooga Tennessee Worldwide Global Company United Kingdom

Hi, my name is Sonja, & Im with the disability rights group from Sokolove Law.  We have been reviewing thousands of potential claims where insurance companies refuse long-term disability benefits to someone who has a legitimate claim. Too often, legitimate claims are denied because insurance companies look for every possible legal and technical angle available that will allow them to deny a valid claim. When an insurer does not live up to its end of the contract, they act on what is called bad faith. 

For folks interested in learning more about bad faith practices of insurance companies, there is great information available at http://awe.sm/5o82i. If your claim has been rejected, I want you to know your rights and options. Call our office toll-free at 800-581-6943 to learn about your options and receive a free legal consultation.

Many thanks for your comments and suggestions. They really just emphasize how very wrong this whole current situation actually is. Should you or anyone else wish to help change this dreadful state of affairs please watch this video, which contains very important information at the end.

youtube.com/watch?v=MuzXvVDMzk8&eurl=

CRITICALLY IMPORTANT if your organization has signed an ERISA Disclosure when purchasing a Group Long/Short Term Disability Policy and/or Income Protection Insurance, then this strips away ALL the rights under the unfair claims practices laws and indeed the insurance regulations of your own State.

The ERISA Clause which preempts [eliminates] State Law needs to be urgently abolished to deter unscrupulous insurance companies from committing fraud and seriously abusing its selected innocent Long Term Disability "customers" its "Chosen Ones" just to boost its profit.

Too many people have suffered this unfair fate already!
This is a huge social disgrace.
Many thanks

I agree with many of your comments. My position in Disability Claims is to deny, delay, minimize, and obfuscate claims. The merits or facts of the claim are not the most important factors in claims settlement. Look carefully at your contract and ask any attorney about the laws of insurance. As far as I know, there is no federal law which states that insurance companies must pay "any" claim. In addtion, I know of no state law which actually requires that insurance companies pay claims. Deference is always made to the "civil" nature of claims. That is, the legal burden is always placed on the policyholder or claimant to resolve the claim. This places insurers in the legal position of "defending" the claim. This is a legal process where the insurers point of view on interpreting the claim (which they wrote) will counter any benefits claim made by a claimant. I don't feel guilty about this since this is what insurance comnpanies do. As a customer/policyholder of the insurance company, you are automatically treated as an adversary since you are a potential claimant. In tort claims, the insurer only has to defend the claim "to the policy limits". Most people don't realize that their auto liability policies will not insure against a serious injury or death to another. Hospitals can easily cost thousands per day on uncontested claims. The $200-300k policy limits of most auto insurers is a very low policy limit. If you are found at fault in an auto accident resulting in serious injury or death you could easily lose your house, savings, future earnings.

Resolution: 1) As prudent insurance consumers we need to pass federal regulations that requires insurers to work honestly and fairly and pay legitimate claims 2) We need to have serious civil penalties for non-payment, delays, minimizing payments of legitimate claims. 3) we must break up the insurance monopolies in each state. The business of insurance is the ONLY business not regulated by the federal governement. Insurance companies can now own banks and other financial institutions as well as real estate devlopment. Insurers should be limited to the business of insurance. There are a few insurers who deal honestly and fairly with claims and they can and do make large profits. There is no reason that legitimate claims can't be paid by insurers. It is the greed and lack of federal legislation that allows and promotes the practice of cheating insureds, claimants and policyholders. The McCarran-Ferguson federal law actually prevents the US government from investigating so-called insurer fraud. Claimant fraud is illegal under state and federal law, but insurer fraud (denying, delaying, minimizing, low-balling legitimate claims) is NOT illegal.