Unum Hit with Another Lawsuit for Cancelling Benefits

The Unum Lawsuit Allegations

Jean claims in her Unum lawsuit that she’s “disabled as the term is defined in the policy, and is entitled to disability insurance benefits by virtue of the disability.” 

People who are filing disability claims are already going through enough. Depending on the severity of the disability, they may be simultaneously undergoing rehabilitation, facing big medical bills, loss of income and basically re-learning how to live with these new circumstances. Some Unum claim denial victims claim that the company preys on these people who are going through tough times, perhaps hoping that they will just “give up” and stop fighting. The number of people filing Unum lawsuits is indicative of how often claims are denied or payments suddenly terminated.

Jean claims she’s tried everything in her power to get Unum to act lawfully. However, her lawsuit says that everything she’s done to satisfy the requirements have been “waived, excused, estopped, tolled, rendered moot, rendered a vain act, or otherwise rendered unnecessary” by Unum. Suing Unum is her last resort. 

She says Unum has “disregarded favorable evidence submitted by (Jean),” leaving her with only a Unum lawsuit as her means to getting her due compensation. 

According to her lawsuit, Jean “suffers from disabling chronic dyspnea with angina, shortness of breath, pulmonary nodules with hypoxia, arthritis, radiculopathy, myalgia, hypertension, GERD, cardiomegaly with mitral valve prolapse, and other disabling medical conditions.” She claims she’s “totally disabled” given that that’s also her doctor’s diagnosis, but Unum says she’s not disabled at all. 

“Because of the defendant’s refusal to pay benefits due (Jean) under the policy, (she) has been forced to retain undersigned counsel to prosecute this action and has become obligated to pay a reasonable attorney’s fee, and has incurred necessary costs of prosecuting this action,” the Unum lawsuit says.

Making a Tough Situation Worse

It’s challenging enough to be deemed totally disabled, but some Unum policyholders like Jean feel like the rug has been pulled out from underneath them completely. Their LTD coverage is supposed to be their safety net when the worst happens. Jean is suing Unum for damages for past, present and ongoing disability benefits, interest on the claim, attorney’s fees, court costs, ancillary benefits, and any other relief the court sees as appropriate.

The case is Marie Jean v. Unum Life Insurance Company of America, Case No. 6:13-cv-1328-ORL-22DAB, The United States District Middle District of Florida Orlando Division. 

Were Your Disability Benefits Terminated or Denied by Unum?

If you feel you were wrongly denied benefits from Unum, you might have a legal claim. Find out more about your rights at the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation today. Once you submit your information, a lawyer will reach out to you if you qualify for a free Unum claim review.