UnumProvident Insurance Company

Every couple of years, Unum begins to harass me, making me prove that I should continue to receive long-term benefit payments. I have been receiving these since 2002. They had "Genex" in 2006 to get my Social Security benefits so the amount of their payment to me would be reduced. This latest incident is the worst one. They are demanding me to repay benefits from 2006, although my check was reduced for several years as they deducted the back pay they claimed I owed.

Now, all these years later, several departments are harassing me, telling me they are looking into my claim. One of the reasons I qualified for benefits, mental disorder due to injury, is only payable for 24 months. Ludicrous! My psychiatrist filled out paperwork for them the last time they began to harass me! They are asking for settlement information from Social Security, even though they have all the records.

Now, they are accusing me of owning businesses. The business they are claiming I own belongs to my daughter, and then they found an old website store from 2008, where I showed antiques. The site has been down for more than 4 years - a hobby for me. They are demanding 2008, 2009, 2010 and 2011 income tax information from me.

My ex-husband is a business owner and unwilling to release his information to them. They are making me and my simple life impossible. I have learned to deal with my mental disorder and chronic pain but each time, as they begin their campaign to harass me, my mind becomes confused and the chronic pain overcomes me. The stress and the result of it is detrimental to my health.

Someone please help me or direct me to a person that can stop this constant harassment from this company. Social Security disability benefits are in place for the duration of my life. Unum made certain of this, hiring a third party to guarantee this. I don't understand. If SS finds no irregularities, how and why do they continue to make these demands and constant harassment? I am 58 years old, disabled physically and suffer from a severe liver illness. I have been diagnosed with end stage liver disease. How can I get this company to leave me alone?

I have been disabled from a head injury since 2001. Now that the economy has gone downhill, Unum, who has my disability policy, has become a cruel bunch of business people. In addition, they have become much worse, since my children are grown and no longer receive SS benefits. Unum now has to make up the difference and they do not want to do that. In addition, I was one of many Unum disability clients "forced" to file for SS disability or "lose my long term benefits." So Unum forced us to use the government for part of our monthly money, so they could pay less.

Most recently, they asked me to submit to a "field visit." When I asked what the field visit was for, they stated it was to update my records for medications, doctors, etc. I said to this 3rd company party that their request was odd because I just sent Unum the same information just under a month ago. When I called "Help Enterprises" number back (800-873-0933) and entered the ext. (23), I got an "after hour investigations" division. I found this very odd, since what would I be investigated for? You hear creepy stories about Unum using surveillance teams to follow those covered under their disability plan. I am guessing that I was forwarded to that unit. My head injury left me brain damaged. I had nerves severed that will not reattach, and I have very specific areas of my brain that were damaged that will never heal. This has all been documented for Unum.

This company is horrible. Do not do business with them. They treat the really disabled like we are crooks. Most of us paid dearly for years for coverage, and when we need them to be there, they look for every way in the book to not pay their policies resorting to "after hour investigations" and worse. Be aware of their surveillance teams and their disgusting underhanded way of not paying benefits. This should not be allowed, and one day we will end this kind of harassment by Unum. It is abusive.

After having a major heart attack in 2008, I was placed on permanent disability by my physicians. After much paperwork and time, I started receiving benefits. Last year for no reason, the benefits stopped completely. I have tried contacting Unum hundreds of times, but always get a message machine or excuses. I have lost my house, my car, everything. My wife works but only brings in about $2,000 a month. We can't buy food or gas and she has to work to keep our heads above water. I cannot work at all due to major problems associated with my heart disease. We have been living with a relative but now they want us out. We have nowhere to go!

My ex-wife died and had left me as her beneficiary on her death benefits through Unum, also my two children. At first, Unum called and let me know I was the beneficiary and everything was fine, they would send out paperwork. I have gone for 7 weeks so far of one lie after another, asking for bogus paperwork over and over again. They now do not know who the beneficiary is and no one can locate her paperwork she signed with CVS. They have put the mortuary through all kinds of nonsense and finally the mortuary paid to have my ex cremated for me and are still waiting for their money. They told me they have never had this much trouble with any company in 23 years of business.

Unum is a rip off company and should be put out of business. Even the employees that called me when I call back and was told they don't work for them or they have never heard of that person. These people are crooks and that it is obvious to all of us that have been involved in this.

I work for an international company. They are the short/long term disability carriers for my company. I have provided them access to my medical records from my doctor(s). They keep coming back requesting more and more from my doctor. I have come to the conclusion after two years that they are determined not to pay on my claim. How do you fight these people? I have complained to my company. See what happens. I doubt anything!

My in-laws purchased long-term care insurance in good faith. They have jumped through all of the hoops and provided all of the information needed to the insurance company anticipating reimbursement. As yet they have forked out about $3000.00, which needs to be reimbursed, and continue to receive services that they need but might choose to forgo if they knew it might not be reimbursed. We have made numerous attempts to get satisfaction only to be put off.

My father had a life insurance policy through UnumProvident and when he passed away 5 months ago, I called to find out what I needed to do. They told me they would send me paperwork. After two weeks, I called again and was told the same thing after this happened. Three times, I went to their website and filed online. I filed the claim on their website and was told all they needed from me was the death certificate which I provided.

Since then, they refuse to tell me anything. They gave me one number to call which was for a different company who said I am not in their system and try this other number so when I call there I am told they cannot tell me anything because the beneficiary will be receiving a letter in the mail with further instructions on what to do and they cannot tell me who the beneficiary is whether it is me or not. I know I am the beneficiary and there is no one else who could be and I have not received anything. I think they are just trying to get me to give up because they know no one else will follow up on it and they will just keep the money.

The only other relative is my 95 year old grandmother who I know is not the beneficiary. I have paperwork my father filed with me as the beneficiary and my grandmother is simply listed as another relative in case I can not be reached.

I have been out on FMLA/STD since September, due to a mental illness. Constant panic and anxiety attacks, depression, lots of crying, constant headaches, and nausea. Most of my condition was brought on by my work environment. It has elevated to a new level where I wake up in the middle of the night, heart pounding like crazy. Unum had me to return to work on 10/31; where as my doctor had me to return back on 11/16. When a traumatic experience happened, I called the office upset crying and informing my doctor I could not return. She agreed as she could say nothing to calm me down. She has since then recommended me to a psychiatrist to help with my panic attacks. Well, due to this information, Unum did not send any information over to my employer, who in turn did not send me a check in the month of November.

Paid a premium for short/long term disability. Unum Provident said that they would expect payment for any overpayment given to me when I got my disability. Therefore, when it was started ,they expected to take the full amount. If that be the case, what did I get for the premium that I paid?

Now they have an attorney contacting me stating that I owe them $44,921.07 and that if not paid they are going to bring a judgement against me. I need to know if this is legal?

I am nearly 60 and I paid premiums to Paul Revere for 27 plus years. I have had 7 auto accidents, I am bi-polar and I suffer from serious depression and high blood pressure. I have fallen a few more times and now it has taken Unum more then 7 months on my claim and so far it appears that they send legitimate reports to their operations department so they can interpret what was said and use it to deny claims.

My income has dropped off nearly 90% and I have been forced to drop my health care since I have no more savings. The only security I now have is with my limited retirement plan. When that runs out, I will be on the streets. I really don't think anyone can live on $4800 per year as me and my wife have been doing.

My STD & LTD benefits were provided by UNUM through my former employer, which happened to be a hospital. I had been injured in 2004 in a severe car accident and had ongoing issues. However, in 2008, doctors at the hospital where I worked gave me a spinal block, puncturing my dura & nerves in my lumbar causing serious complications and long-term damage. I became completely disabled immediately afterwards and was no longer able to work. I began receiving STD which eventually ran into LTD. Due to all of my medical issues, I was under the care of several well-respected specialists. UNUM harassed every one of my doctors. Constantly requesting forms to be completed over and over again. Then claiming that the forms were never faxed or sent.

They would misquote and twist my diagnosis and outright lie. All the while sending threatening and harassing letters, and phone calls to me. I filed a complaint with the PA State Insurance Commission and they backed off some, but the Insurance Commission sided with UNUM? In December 2010, I was awarded SSDI and, in January 2011, UNUM sent me a letter terminating my LTD stating that my conditions were self-reported with no substantiated medical proof. Huh? I was so tired of fighting them I just couldn't take anymore so I didn't appeal. However, I want to know if there's anything I can still do. It just infuriates me that they can take advantage of the people that they are paid to help when we're at our weakest.

I'm a 25-year old, single father of a 3 years old. 5 months ago, I went into a heart failure and had to have two surgeries to save my life. One through my leg, the other was open heart. After 4 months, my son accidentally headbutted me and my 8-inch scar down my sternum got inflamed and I was hurting a lot again. My surgeon said I should take an extra 5 weeks off (which still landed me under the 6 months of short-term). Unum now has refused to pay the $495 x 5 weeks they now owe me and said there is no medical evidence that I should be paid any of it.

I have blown all my savings on bills and trying to stay up-to-date on bills. I owe rent, bills, car payment and just went on default on my $401K loan (now, I owe $3K in taxes in a couple of months) since they wouldn't give me any money. Costco's corporate team and my surgeon said it's absolute ** and I should sue. My surgeon also said he has given them everything they asked for and more, and his word as one of the most outstanding heart surgeons on the NW should have been sufficient. Please help. What can I do?

I was off work sick since August 3. They repeatedly say that they don't get the faxed forms, even though I have receipts and confirmation for the 4 times I have faxed the paperwork and the two times that the doctors have faxed them. I called only to be put on hold until the hold finally disconnects.

I haven't received one penny of my disability benefits during the entire time that I have been off and do not know where to go next. I would like someone to tell me what I have to do to file formal complaint and or charges against Unum.

Unum stopped long term benefits with lies and without any notice, not even paying for a year's worth of LTD benefits with seven disabling diseases. I started a petition for everyone to sign, asking over 100,000 businesses to cancel Unum's contracts. Stop buying from the worst! They are a bad faith company. Go to bringthemalldownnow.com and email me with your story and support. Let's stop these insurance companies from treating the sick and the injured this way. Email me at **.

I injured my back (nerve damage L4 - L5). On 12/98, I was approved for long-term disability and was receiving my checks.

Then Unum sent me a letter stating my benefits are going to end. I contacted them and they told me their doctors said I was able to return to work.

At that time, I was on powerful medications and was entering a Stanford program to help manage the pain up to 6 weeks. I explained this to them but they didn't care. I told them I had MRI's nerve conduction study to show the damage. They still didn't care.

I tried hiring an attorney to take my case, but he failed to do anything. When I discovered this, I hired another attorney, who also took my case. But, when we went to court, the Judge said I failed to send a despondence within 30 days.

I feel they took advantage of my condition. The drugs I was on made it very hard to understand and stay focus on what needed to be done. To this day, I am unable to work and still on meds.

I was awarded 100% SSD. I have genuine injuries and I have letters from my doctor confirming it. However, Unum said that I do not meet their definition of disabled. I was a pedestrian struck by a vehicle and survived. I take three different pain medication a day, yet Unum still say that there is nothing wrong with me.

I can't work any more. I had to return to work 2 weeks after the accident because I was not getting paid. I had to work for 13 months after the accident to have my medical insurance pay for my epidurals. Can you help me?

I have letters upon letters of claims from Unum stating they couldn't get the right records from my doctors and if they didn't get them, my claim would be denied. They have harassed and irritated every doctor I have had! My doctors have yelled at me regarding Unum pressuring them! Unum has now on 6-1-11 denied my claim upon ridiculous claims of their doctor seeing no disability! I have been through months of this-- harassing phone calls, rude people that can't even be civil; threats, lies, word twisting, accusing me of lying and having psychological issues; stating lies on their behalf, such as no injury sustained at time of MVA. They can't claim that!

For over a month, they argued that I had to get them work restrictions from a doctor I only saw one time before I was considered disabled by my PCP! They listed a chiropractor's opinion as their primary reason for denial, a chiropractor that a former lawyer for MVA had sent me to. It turns out both the lawyer and the chiropractor knew the man that hit me causing MVA and then opinions changed finally after they all discovered I didn't have a large UM policy on my auto insurance! They used his opinion over any of the other specialists I saw, specialists extremely more qualified than the chiropractor. I have not wanted to report my latest doctor to Unum being afraid they will make him mad as well! I have a complaint in on the other work comp doctor I saw, Dr. **. He's a horrible doctor and I only saw him four times, yet, they used his terrible report over all others.

My PCP opinion they lied about. I have proof. Unum says my alleged headaches are not recorded ever in any report. I have tons of doctor reports, headaches are recorded in all. Unum states I was never seen experiencing a headache! Unum calls my MVA a low speed parking lot collision, yet another lie. Unum states I did not seek medical attention until days later. My MVA was on 8-14-10, a Saturday night. After trying to call police to the scene, making security report, taking pics of my totaled vehicle, which my camera in my cell phone broke from the impact of the accident, so I had to wait for a camera from my mother. Police refused to come. Wal-Mart manager called them herself. I was hysterical! Any witness that night knew I was not okay.

The next day, Sunday the 15th, I was barely able to function but unless a limb is falling off, I can't afford the hospital! So early Monday morning, Aug 16th, I called my PCP and got in that day for exam! This was less than 48 hours after the collision! Liars. Cynthia ** knows I have severe sleeping problems and when I didn't answer my phone, she would then call my mother and bother her with ridiculous claims. Months and months of this! I will never buy a policy like this again! The last thing an accident victim needs is harassment from the very people they pay to protect them!

I have no income now. Filing an appeal, which requires tons upon tons of correcting and more doctor appointments! I have had it with these people! I will enclose a copy of denial letter and would like you to see all their letters, and how they lied! They say I refuse the injections that could possibly heal me. When I have infectious disease doctor note and note from my PCP of several years, stating the risks of injections with my health issues would outweigh the benefits! They have both letters. Nothing mentioned in denial letter about that. They called one of my doctors a liar in their report as well, a doctor that is qualified higher than any of them seen! Horrible company. I told Cynthia ** to have a good day every inquiry and she is so rude she can't even say it back! This company should cease to exist!

Unum is a fraudulent company. They take your money for your premiums. When it's time to honor your policy, they use loopholes not to pay. I was told by an individual who works there they deny claims so they can get their bonus checks.

I had a policy with Paul Revere Life Insurance division of Unum. I was awarded 100% S.S.D. Unum says I do not meet their definition of disabled. When I asked what their definition was. They said, "Read your policy." I took this policy out in good faith, however, they will not honor it. They are more concerned about turning down claims for their own profit gains.

I was awarded 100% social security disability. Unum says that I do not meet their guidelines of being disabled. I have several herniated disc at the back and in the neck.

UNUM is at it again, canceling people by the roundtable for reasons unknown. I got reassessed after 5 years and won, now after paying me 11 years' worth of payments, they canceled me when I got my diagnosis of IC. I've been in pain and sick ever since I had lupron shots 11 years ago and out of work since then. I almost lost the house when I was approved and canceled this summer. Check out Linda **'s blog about what they are doing again. I would never use them again if I had a choice, but I don't think I will ever be well enough to work again, especially after what they put me and the doctors I saw through. They harassed all of them, saying that they didn't get information that they did because I have the files with many copies of the same thing.

They called each month until I had panic attacks each time I saw their name on the caller ID and postal envelopes. No one can seem to stop them unless they are cheating the government. They insist that my illnesses are chronic and I've been through therapies that I keep doing over and over again, seeing the doctors constantly when my immune system is horrible and I get sick whenever I leave the house. They sent someone out who asked me the same questions for 2 hours over and over again while I sat on my chair with my feet up, so they said I could work, when I left in tears many times. Luckily, my family was there, and I wish I'd taped it. They should be made to pay out of their checks for what they've done to people.

I got approved for SSDI and they closed my claim before my 720 day, after I submit the paper work from my primary care doctor and social security claiming total disability. I was homeless for 8 months. My employer said they could not find a job that was suited to my disability.

In Dec 2006, I started receiving retirement disability checks. I called to inform UnumProvident that I was getting it. I was told to mail a letter and a copy of the check and that it probably wouldn't affect their payments to me. Letter and copy were sent. I never heard anything else and my payments from them didn't change. Then in June 2010 when I was filing for a loan modification, I received the disability verification forms to be filled out including what income I was receiving. This was done and sent to them. I received a call to verify what I was receiving and once again was told that the retirement disability probably wouldn't have any affect. Then 5 months later, I received a letter stating I was overpaid by $63,511.00 and they wanted a check by Dec 2, 2010. I called them and talked to Wendy ** and when I told her the history, she stated it is how the policy is interpreted. She stated she would send me the appeals information. I received the appeals information letter stating I had 180 days to file. On Dec 27, 2010, I received a letter from them stating they had not received my appeals letter and that they were halting my payments as of Jan 2011.

My company provided both short and long-term disability benefits through Unum and Unum hired my employer to manage insurance accounts (lab, investigate large claims, MVR etc). I had no idea that my company was also caught in insider trading and was sold. Imagine having to fight for both STD and LTD benefits when both companies were under investigation. It didn't matter. I eventually won both STD and LTD through Unum.

As soon as Unum approved LTD, they then started harassing me to file for SSDI. I continued to jump through all requirements by Unum (and SSDI) and eventually won SSDI. However, the same month I won, SSDI Unum started reducing my benefits. They knew before I did that SSDI approved my claim. Unum continued to threaten me through many different avenues (even tried to say I owed close to $200,000.00). I did everything requested (and can prove it) but Unum continues today to send a monthly blank check.

Sadly, I had no idea of my rights when all this started in 2004 but I refused to give into them and hopefully my State's Insurance Office will continue to support me as they have in past efforts. If I wasn't so ill then I could have known what to do to maintain my benefits. The hardest part is knowing that many people do not have the support of a loving spouse and understand that insurance companies have lied making us all believe that there isn't anything we can to, however, this is a great country and though I may never receive the benefits deserved, I would gladly join the army again and give my life even for Unum!

Unum's actions cost me my entire retirement income (had to use to pay off medical debt), spouse lost his job because of the burden placed on him by Unum to prove I was medically ill, lost our medical benefits at the same time he lost his job, lost peace of mind and six years of constant dread and fear waiting for next actions taken by Unum. I have lost excellent credit history and so much more but best to stop now!

The company that I work for previously had MetLife, which had been wonderful. I had both long and short term disability at the time. However, when it was time for renewal in 2009, we were faced with having to change to Unum. We were only given the option of long or short term, but not both. Due to a prior diagnosis of Myasthenia Gravis, I went with long term. I get monthly IVIG infusions via home health care and periodic steroid infusions, which keep me home for several days each month. I had never filed a claim with Unum until September, when I was hospitalized with a crisis. That led to another hospitalization in October of 2009. Neither of these claims was paid because I was not out for 90 consecutive days (or because I returned to work full-time). I was given several rationales. However, I continued to have my routine monthly infusions. Shouldn't home health care count? I was told no, it doesn't count as long as I am able to continue working full-time.

I asked what was considered disabled and I was told it depends on your elimination period. Since when was the level of a person's disability gauged by their elimination period or whether they work 3 or 4 days weekly. I work because I have children that I must care for. In January 2010, I changed my elimination period during my company's open enrollment from 90 days to 30. Primarily because hospitalizations were not automatically covered and how pre-existing conditions under the current policy (90 elimination day) were viewed. Changing only the elimination days and not increasing the coverage because of my pre-existing to a 30-day which would begin immediately with hospitalization. This was not made known to me when the district was switching over from MetLife to Unum. They stated the policies were comparable when that was far from true.

This has caused me to be late on payments because I have exhausted all my sick leave. I am constantly out on leave without pay. Contentious on-going treatments should be eligible for disability coverage, especially those ranging over seven months. My crisis began in July and continued until my 10-day plasmaphersis. Followed by continued treatments and another 10 days of plasmaphersis. I've been hospitalized for more than 25 days in the last year with disability insurance and I cannot receive payment. Something doesn't feel right. I am consulting a lawyer at this time. I was too tired and weak to fight for it in October. It was the first time in three years I had been late on credit card payments.

I am currently off from work from a company I have worked with for nearly five years. I've been out of work for over three months for severe anxiety, depression, and post-traumatic stress disorder. Unum is in charge of my FMLA, short-term and long-term disability. I am receiving neither, nor have they yet to tell me if I qualify. I've been told numerous times that they haven't received faxes from my doctor. I've had to call time and time again to get this straightened out. Now, correct me if I'm wrong, but when you're off on FMLA shouldn't you be avoiding stress?

My company works on a point scale--for every day you miss, you receive a point. So of course when they "didn't receive a fax" they call themselves "fixing the problem". My doctor's office had to call and verify that they indeed sent the needed paperwork on the day it was due, it was actually received early, and yet they still denied various days in which I was pointed for! When I called to question why those days were not accepted, I got the runaround and was finally told that it was because once it's denied my company doesn't accept a change. Okay, well Unum messed up, they claimed they didn't receive a fax that they indeed did! I of course ended up hanging up on my "leave specialist".

I just recently received yet another set of papers for my doctor to fill out and they were dated May 25th, but yet I didn't receive them until June 7th. I called on June 11th and told them I was unable to have them turned in by June 12th because I had yet to have a recent doctors visit. The woman I spoke with told me it was no problem, turn them in as soon as possible and I will make note of it. I received a letter on June 16th stating that my leave was denied because the paperwork was not turned in. I immediately called and spoke to my "leave specialist", and yet she didn't have a single answer for me. So I'm at fault and I am in jeopardy of losing my job because they "didn't receive a fax" (that they did) because I didn't receive paperwork until the 7th and it was due on the 12th (five days?). All the while, I never hear, "I'm sorry, we messed up" or "I'm sorry, this was our mistake", no, never once did they admit or acknowledge that they're wrong.

So I ended up having to call my company's HR department to find out my employment status, they couldn't answer my questions. I ended up calling my department secretary and found out that my FMLA ran out on June 11th and I have eight points (on a 10-point scale). So as of Monday June 21st, I'm technically unemployed and who's going to admit they messed up? Not Unum, they blame the company. Once a claim was initially denied my company won't let them change it? It should have never been denied in the first place, when you indeed did receive the fax in a timely matter.

Dealing with Unum has made my anxiety even worse. Every single time I have called them I end up having an anxiety attack. I get chest pains, my left side of body hurts, my blood pressure rises. I literally can't stand calling and dealing with them because I always know how it's going to end. I end up cussing someone out and hanging up. As an employee on medical leave you should not have to deal with this. You shouldn't have to check, double-check and call your doctor and make note of every single thing you do and who you speak to. It's extremely stressful. Financially, we have struggled. My husband left his job almost two years ago to be a stay-at-home father to our child, so when the anxiety started and I needed to take time off from work, we've scrabbled and scraped.

Unum is unbelievably unprofessional. These companies continue to take advantage of people and I'm done. I refuse to speak to anyone from Unum, it's a waste of time and energy. When they mess up, they blame your company.

I had surgery on my knee in 1989. A piece of an instrument was left in my knee, and I have had problems all of my life. In 2004, I developed Sarcoidosis, and was on steroids. My knee pain was getting worse, and in 2007, I had an X-ray of my knee, which revealed a metal artifact in the joint. I had the artifact removed. No,w it's 2010, and I need a knee replacement.

I was trying to continue working, and missed a lot of days on FMLA. I called FMLA on 4/20/10, to let them know I had to leave due to pain, and swelling. The operator informed me I needed to go on a short term disability, because I was missing too many days. As of 4/21/10, I have been out of work. I will be getting a total knee replacement on 6/22/10, and Unum has denied me twice for my short term disability. I had to give my car back. I am also behind in my mortgage, and will probably lose my home soon. I haven't recieved money in two months.

I have a policy with UNUM for accident for myself and kids. My son hurt his shoulder during football season (fall 2009). He went to the doctor, who prescribed physical therapy. That didn't help and his doctor wanted an MRI. The MRI came back inconclusive. The doctor decided to do exploratory surgery. It was found that my son had a tear of his labrum, which is a covered claim. Keeping in mind the policy states that surgery has to be preformed withing 90 days of said reported accident, I sent it in nonetheless.

My claim was denied, so I went through the appeals process. That also was denied. We followed proper protocol before my son had surgery and even though I had a claim filed, as an existing injury, it was denied because he missed the 90-day deadline by "11 days". The reason he missed the deadline was because of doctor scheduling and the fact that my son didn't want to miss his exams at school. You pay all these premiums and get treated and denied like this? I instantly canceled my policy. I have better things to spend my money on than a scam like this.

On November 1, 2009, I was diagnosed as disabled due to migraine and continuing headaches, tumor on right side parietal brain, severe depression, panic attacks, anxiety disorder, etc. I was placed on leave without pay and family leave while taking physical therapy and trying to get adjusted on medications. I thought I would return back to work in April of 2010. Unfortunately, my neurologist found bulging disc at C-5 and 6 and thought that this was the cause of the migraine headaches, swelling and spasms in my neck and shoulders on MRIs taken.

I also found out I had an enlarged thyroid after blacking out and falling down a flight of stairs following physical therapy and being admitted into the hospital. I have had one steroid injection for the bulging disc, which only helped for one day and I just recently had a total thyroid lobectomy. I have a pending steroid injection and have to try to get the money from friends and co-workers because Unum is not paying me the $2000/month as promised.

I am in a bad situation at this present time. The bank is threatening to repossess my vehicle and I'm about to lose my home. Unum only pays as medical records are received by the doctors. They do not pay if you are not able to go to the doctor and you're at home trying to recover from surgery, or so sick, or medicated to the point you can't drive to the doctor.

I have joint custody of two children and when they are not with me, I live alone. I do not have, nor can I depend on anyone else to do anything for me. I do not have any money to go to every appointment. Unum made sure of that. They send what they choose to send, $300, maybe $400, then on one occasion, $55. How am I supposed to live like this? I am getting further behind in my bills and my health is worsening, mentally and physically.

My wife has a difficult time writing. My wife was employed with BB&T ins and became disabled due to back and neck operations. She was given a status of permanent disability, never to return to work by numerous doctors. Her pain management doctor is her main doctor and does her disability. He clearly states she is disabled. Unum called their office and asked about my wife doing a function test. They talked to a new PT that my wife had seen twice. She stated she didn't know the level of her disability so that gave Unum the right to do a function test. We didn't think of this as a big deal.

For the test, Unum sent basically a kid, looked young 20's, just a PT. He had her do things, crawl on the floor, lift boxes, etc. She complained several times of pain, but he was pushy, telling her to do just one more or were almost done. Twice her blood pressure went up due to the pain. He then made her start lifting boxes with weight. Her doctor records says she's not to lift overhead. After doing this, her arm started going numb and she complained. He added more weight and asked her to do more and she tried, but could not. She had to walk a treadmill. She asked to stop once because her feet were swelling, but he told her they were about done.

She finally took her shoes off which made him mad and said they had to restart the test. All of this was done in a sports injury gym in front of a group of men. While crawling on the floor doggie style, she could see men staring. Sometimes, the men would have to be asked to move. My wife was very embarrassed by this, crawling doggie style in front of men. She said she felt like a stripper. You would think these tests would be done in private considering the things they make you do.

My wife called her doctor's office the next day complaining about her arm being numb. After her neck operation, she had little pain in her arm. Now it was numb. She also told Unum. A few weeks later, we got a letter from Unum that she was denied and could go back to work based on the test not even done by a doctor. My wife, upset, called her doctor and could only get the PT asking why did she say she didn't know what her disability status was when it's in her file. She basically said that she herself wasn't aware of it. My wife had it out with her, as her status is in the file. We tried to talk to her doctor there, but he wouldn't respond. We called numerous times.

We then got a letter a week later; they had dropped her as a patient. We called numerous times, but got no real reason why. We needed him to do the appeal since we felt his PT goofed, but could never talk to him. So she lost her LTD, then her doctor. We couldn't pay the high cost of Cobra and then lost medical insurance. I suffer from a nerve disease and also lost my doctor since I lost insurance. We both lost our meds, etc.

We called Unum and one lady said my wife's records were clear and tried to fix it, but could not. We have to do an appeal. Since we have no insurance, we can't find a doctor that will do her forms for the appeal, so I assume we will lose the appeal, even though they have all her records. She has other medical conditions. Her blood makes no iron causing severe fatigue and a sleep disorder. She just falls asleep anytime anywhere. She actually falls asleep standing up. We feel both her doctor and Unum ** us. Why her doctor won't help and dropped her is beyond us. We can only assume he was standing behind his PT who made a mistake.

Since the function test, my wife's arm remains numb. We have no insurance, so she lives with it. Obviously, she lives in severe pain since she no longer is on her meds. I am disabled waiting on SS, but we live in poverty. Our home is now in foreclosure since we lost her LTD. Our heat pump was broken and we couldn't fix it and had no heat all winter except our wood stove. Her car was repossessed. She has fallen into severe depression and with her pain and can hardly get out of bed. Yet, Unum says she can work. If we lose the appeal, we will basically be homeless. We now have no income. I'm trying to start my own business back, but it will be hard with my nerve disease with no meds. We fear being homeless in a few months.

I have Lupus and major depressive disorder. I was on disability for 6 months when Unum decided that they were not going to pay me anymore, and that despite my doctors' written notes, that I was still in a dangerous "flare", they denied my claim. I filed an appeal, and they denied that also. I am unable to reach anyone, except a clerk that delivers the bad news to me. I am not allowed to speak to any of the "medical professionals" that determined my case. I am so frustrated! I have paid premiums for this policy, and they just cut me off for no reason, except they just don't want to pay me. I am so stressed that my mental and physical condition have gotten so bad. I am almost completely bedridden. My doctor has prescribed drugs to try and help the Lupus flare. and I am on mental health drugs from my psychiatrist. My family has had to help me financially, and it has taken a toll on all of us.

My employer supplied a benefit for long-term disability from the company Unum, which is supposed to be for 40% of my salary while employed. I developed osteoarthritis in my fingers and went on disability on October 2008. I was awarded permanent Social Security disability beginning July 2008. It has been a constant battle with Unum, receiving periodic calls from Marissa asking when I will be able to return to work and asking if my condition has improved. I have seen three different physicians, and they have received those records. I tell her every time that arthritis only progresses, does not get better.

I worked 40+ years using either a typewriter or a computer keyboard 8 hours a day. I can no longer do that type of work with the constant pounding on a keyboard 8 hours a day. I received a temporary approval under "Reservation of Rights" in the amount of $100.00 a month. I feel that it has come to the point of almost harassment. I have been declared disabled by Social Security and they are constantly questioning this fact. If this is an example of their long-term disability, I would give this company an "F" for customer service. I don't feel it would be worthwhile consulting an attorney for $100.00 a month.

On August 23/2007, I was dx with cervical cancer. I drew std from coloniai std from Aug. 07 through Feb. 14, 08, I had received treatment of chemo and internal as well as external radiation. I returned to work in Feb. 08 . My company switched to unum ins which became effective Dec. 08 in Mar 09, I became very ill. I had severe abdominal pain subsequently, had to have surgery had 6in of bowel removed due to ilealus. I filed for std unum denied me stating it was a pre-exestion condition according to their med staff. My md suggested, I get a lawyer, but with no income who could afford one. I have a lot of hospital also had to let my car go bill collectors calling from 8am -10pm every day. I had good credit. Now I am ruined. The ins was to prevent this from happening. My husband and I have lived on his ssr since April 09.

On July 15, 2009 I was in a car accident that required me to go on disability. I find it extremely hard and difficult to get disability payments for the month of September and October. UNUM claims that my doctor is not providing medical records. UNUM also claimed that I returned to work and closed my case. UNUM also wants evidence of my disability. My Disability Benefits Specialist has made more than one error in handling my case.

Once the claim was finally allowed it was time to fight for long term disability which took another 3 months. Finally I got my regular payments. It has been 2 and 1/2 years now. I have had some improvements but nothing reliable. I may be okay for a week and then sick for a week. Any time I get a cold or flu it takes weeks to recover. I have tried everything and my doctor has been very understanding. He understands that I am not lazy nor do I enjoy not being able to work. I had a very high paying job that I enjoyed.

On Sept. 29th of 2009 Unum required that I go to an independent evaluation with Dr. Greg S in Billings Montana. He was rude and had made his decision before I walked in the door. I saw him for less than 30 minutes in which he listened to absolutely nothing I said. Based in this Dr. and his "findings" Unum has decided that I should be able to work a full time job as long as I don't lift much. He is crazy. I don't know too many employers who will hire a person who can't make it to work every day.

On November 20th 2009 I received a message on my answering machine telling me my benefits have been canceled and that I would get a letter explaining why and that I could call after I got the letter. I didn't get the letter until the 27th of November. Now I have to fight again. This has been a horrible experience. I have to respond by letter for anything but they can leave a message on my machine? I have no other source of income and don't know what I am going to do.

I was injured on the job back in 2005. I suffered a reoccurance of a Lumbar injury as well as a new Cervical injury. They denied me my claim verbally only and I never questioned it until as I see all you claims they started to as for the money from my short term back.

It wasn't until I called them last month that they sent all the paperwork from my original claim (4 inches of it) that I found out that THEIR MEDICAL ADVISOR had stated in 2006 that my CERVICAL injury was NOT preexisting! I was even told by one person at the company that I would have been approved had they realized it but were UNWILLING to pay me since I was making the claim AFTER their 180 day appeal period. This period was listed in the letter that they never sent me!

When I again reminded them that I wasn't sent it their response was they didn't get it back. It was NOT sent certified!! It was NOT sent at all, I find it VERY hard to believe that with all the mail that they send out that ONE LITTLE letter is the one that gets lost in the mail? I can't believe after reading all the current complaints about this company that they are allowed to stay in buisness! This has caused me damage to my credit, further economic damage to my finances.

unum keeps stating that i have an overpayment due to them. The first time was when i got approved for social secority disability that amount was for 2100.00 About 3 mths ago i get a call again and was told that they over paid me again a year ago and are demanding another 700.00 from me now i have been awarded some more money from social security and UNUM wants this as well.

How does a company the size of Unum, use a benefit company like Hewitt.Where are my checks that are stamped as being received, yet I have my coverage discontinued.Something is very wrong here.

I work as an RN and had to go out on disability August 17th 2009. The reason was "substance abuse" which originated from a prescription anxiety medication I was prescribed Klonopin which is very addictive, and was on this medication approximately three years. In addition I was prescribed several other addictive sleep medications such as Ambien, and Lunesta and Fiorcet for my Migraine Headaches.

After I had to leave work I went right in to Rehab and saw all the appropriate doctors. I promptly applied for Disability under the Auspices of the rehab Physician. After close to a month I recieved my first denial notice which stated "substance/drug abuse is not covered unless prescribed by a physician". This was their first stall attempt. The medication was prescribed. However I decided to play along.

I wrote them a long letter describing the situation. In addition I provided the full year of pharmacy printouts which showed the ambien, klonopin, lunesta, and fiorocet. In addition my primary doctor wrote a letter stating he prescribed the ambien and lunesta and my Psychiatrist wrote a small note stating that he had prescribed the Klonopin for generalized anxiety.

I sent this package via certified mail October 13th with hight hopes and received my second declination on November 5th. This time their reason was completely outrageous and I know they are just trying to waste my time. They state "The diagnosis provided by my physician is generalized anxiety disorder and is excluded from the policy" The fact that I had Anxiety and was being treated with Klonopin in the past should have nothing to do with the fact that I was now claiming substance abuse as disability which they DO cover. I am not disabled from anxiety. In fact Sice being in Rehab since August I have not been on any medication what so ever.

I do not think they can change my whole disability claim to "anxiety" because my doctor wrote I was being treated for anxiety in the past on a prescription pad. I filled out all the legal appropriate forms and had the rehab doctor sign the disability forms stating substance abuse was my disability. NY state paid my disability.

I have some meager sick time left from my Job but it is not enough to support my family. And it irritates me that through this all first Unum is still being paid every pay period and and not paying me on my claim. Now they say they want my full private medical records and I am not sure if I should give that to them. they already have enough information.

I cannot return to work until the middle of December. My sick time and benefit time from my job will end in November 2009. As a result I will not be able to pay any of my bills in December. My mortgage alone is $2200 not to mention oil,electric,car payments and then it is the holiday season. I am entitled to $2700 a month from first Unum which I have been paying $60 a month for years just in case something like this happens.

I tell her AGAIN to send her questions by email. I had to tell her this three to five times. I expect from trouble and intend to do online reporting all the way through this on their behavior. Rage - this incident set off a rage reaction within me. I called her boss - a Jim A. - Director IDI (Individual Disability Income) Benfits and left him a really nasty rage-a-gram. They wouldn't give me his direct dial or I'd pass it along too.

I was injured in a motor vehicle accident 10-25-01 and received disability benefits through the insurance company for several months. The benefits were denied/discontinued in 2002 or 2003 based upon my being able to return to work. This was incorrect as my doctors refused to release me to return to work at any jobs. I have been continuously receiving disabled Social Security income since 4-1-02. I didn't know anything about the class action suit until I found the information on the internet while looking for something else. PLEASE let me know if I still have time to file something with the company in order to obtain the benefits that were rightfully mine!

Have not received one cent in years. They have reduced the awarded payment of $1961.10 by $1208 for Social Security (I am 100% disabled), $604 for family SS even though my children have aged out (18+) and they have been told this, and the remaining $149.10 for an alleged "overpayment reduction," apparently in perpetuity. I get a "check" each month for $0.

I just called Unum to request that my file be reviewed. A representative said that my claim had been elligable for review back in 2006 but because they never got a form back from me, it can no longer be reviewed. I don't remember receiving this form from them. The gentleman told me that I had sent in other forms. I would not have started a process and then not finished it through. They had turned me down for disability back in early 2000. I often wondered how they could find me "not elligable" but our government said I was. I've been collecting SSD for several years now. I have been diagnosed with Chronic Post Phlebitic Syndrome. At the time I was first diagnosed, my job was to sit at a desk and answer a phone. I am no longer able to sit or stand for long periods of time. In 2006 I got another blood clot that broke free from my leg and lodged in my lung. It almost killed me. I had almost forgotten about Unum until I saw a television advertisement the other day. That's what prompted me to call. I realize it's been a long time. If in fact I was wrongfully denied in 2000, I am still wrongfully denied in 2009. Right is right. Money is money. In this economy, who couldn't use a hand?

These people must have parked near my home and waited for me. My aunt and uncle picked me up to go to the Historical Society, so they had to have followed us to a town 20 miles away. I have not been able to work for almost 3 years now, I have no medical insurance as I lost my job due to illness. For the past year I have been passing out several times a week and can not see a doctor to find out the problem.

Lost vision in my right from a detached retina, May, 2006. Filed for partial disabilty claim. After much time they finally paid for some partial diasabilty. We never able to deteremine how they based their payment. They then decided I was no longer diasabled and stopped payments. I was never contacted prior to this, no follow-up exam, nothing.

I continued to try to work, finally in January of 2009 I was forced to leave my job. They have now spend the last 9 months trying to get them to make a detemination with no luck. I have statements from both my eye dr. and medical dr. that my sight was to bad to continue to do the type of work I do. I have spent the last 23 years in telecommunications business, A very high end technical field. My poor sight made it impossible for me to do an accurate job. My entire company is now on the verge of bankrupcy because of the delays.

My New York Life agent has done nothing to assist me with this situation. I was left out in the cold. I guess they figured after a while I would just go away. It probably will work, backrupcy has a way of taking everything away from you. In addition my wife ( partner in our company) will also lose her job. This will ruin our great credit, standing in he community We live in. I have been home for 9 months now. I do not drive, and rely on someone to take me.

They were satisfied to take my premiums for 14 years and qualified to say I can lift 20 lbs or more when my Doctors do not agree.

After reading the complaints against Unum, I realized I am not alone. Unum has consistently made me grovel for disability benefits. As of May 10, 2009, I was denied benefits and was given a reduced disability payment. To add insult to injury, I found this out by accident. I was checking my checking account and I contacted Unum. Mr. ** informed me that he was off the previous week and would get the letter to me or had mailed it. I requested a fax and he did that. I am disabled and have chronic pain in my body from a fall and (l) hip replacement. I have contacted several sources: Congressman John Duncan, Senator Bob Corker and Senator Lamar Alexander (whom I have not heard from) about this issue. My appeal letter says I can file a lawsuit if I want to. Unum seems to have convinced the TN Insurance Investigator they have done everything needed for this claim. Needless to say, I differ, but I have to live with it, I suppose.

My home is in jeopardy of foreclosure. My car payment is behind. Doctor bills are behind. I no longer have medical insurance. I cannot take many of my prescribed medication. I have a hospital bill of $20,000 or more and payments are delinquent (because I was hospitalized after insurance coverage). My medical bills are enormous and like many, I am in constant pain.

My wife worked 20 years for Temple Hospital. She took out disability insurance long term and short term, paying every paycheck. She was not feeling well and her doctor gave her medication which caused sicoses. I had to take her to the emergency room. They gave her a sedative that stopped her breathing. She was put on a ventilator for 10 days. Now, she has major injuries caused by either the drug reaction or the ventilator. Unum will not pay. Consequences: severe nerve damage in both legs, sent home with a walker from the hospital. We can't pay our bills and we are going to lose our home.

I was the director of a project for the Mental Health Association of Southeastern PA for years. I fell down a flight of stairs in Dec. 2000. I injured my spine and had to stay in bed for weeks. (In 2005, I had a spine x-ray and I had a compressed fracture of the spine from the fall in 2000.) I suffered from the time I fell and continue to suffer from disabling migraine headaches, spine pain and some difficulty walking. In addition, I suffer from fibromyalgia, sleep apnea, osteo and rheumatoid arthritis, major depression, glaucoma, and I am a type 2 diabetic.

I worked for the Mental Health Association of Southeastern PA for 9 years, and for the last 7 of those years, I was a project director. I loved my work and thrived there. After the fall, I gradually became worse from the pain, the migraines, and fibromyalgia flare ups. My father died, and I had a terrible time of grief. The migraines became so frequent and so bad that I was unable to continue my work and had to take a leave of absence. I realized that I was too sick to work, and I applied for STD through my employer insurance, Unum.

Well, I had one hell of a time with constant paperwork, doctor visits, more paperwork, and more requests from Unum for more and more proof, until I ended up having a nervous breakdown. I felt suicidal and had to be admitted in the local hospital behavioral unit for a week. Unum demanded all my records from my mental health providers, and pressured me to send them everything. My therapist and doctor would not send my progress notes, only the dates and times of appointments. I did get short term and then long term disability after Unum made me go to Philadelphia to see an independent neurological specialist to determine the extent of my problems.

Finally, they gave me long term benefits. They pressured me to sign papers to get LTDs and demanded that I pay them my social security award, which I did not do. They began to a portion of my LTD benefits as repayment to them from me for what I have no idea. My long term monthly benefit is $1,495.00. They keep it. Every month from February of 2007, they continue to keep my monthly benefit. They want to sue me for a total of $55,000.00. My social security award was a little over $12,000.00 and I used that money to move to Florida to give family support to my sister, and to my mother who was dying of lung cancer. She passed on in February of 2008.

I am surviving on my social security income, about $1,000.00 per month. Believe me, I am not complaining about that because I am grateful to have it. But I am being grossly mistreated by Unum and they are getting paid somehow. They are supposed to be sending me a check but they are keeping it. I really need an attorney to help me to fight for this and to sue Unum provident for all of the pain and suffering this has caused me and my family members. I could not afford to have a funeral for my own dear mother, thanks to them.

Since I am not receiving my Unum LTD benefits, I had to move into a small place. I cannot afford clothing or shoes. I have to get free food, sometimes from the food pantry and other charitable places. I cannot afford a vehicle. I had to give up a lot of things I used to enjoy, like cable TV, a telephone, outside activities. My mother's cremated remains are in a box on my bedroom dresser. My friends are providing me with a cell phone and internet access (great friends). I never get to go out to eat, or to shop for clothes or anything like that. I can't afford a car, so I very seldom get to go anywhere due to the physical disabilities I have. I can't afford fruits and vegetables all the time or all the right foods for a diabetic diet.

I can't afford to go to a dentist. I can't get my glasses repaired or afford an eye exam. I have glaucoma. I make "too much" money with SSD and I cannot get approved for welfare of any kind. The quality of my life has gone down so far, that I simply survive and exist to survive each day. There are days we have little to eat but a cup of soup and an egg sandwich, and we are happy to have that. There are many times we can't even afford a roll of toilet paper and we have to ask neighbors.

I qualified and received my long term disablity payments from Unum for 2 years. My policy from Safeway/ Dominicks said that at age 65 I was elgible for 3 years of payments. Mr. C sent me a letter dated July 14 2008 stating that as of January 1. 2006, my policy was amended to two years. My disablity date was February 7, 2006. We went back and forth and got no where. I talked to a lady at Safeway;her name is Marikay S.She said that the policy had not changed since January 1, 2003. She sent me a copy of the policy.

It stated that Safeway and myself were to be notified of any policy changes.I had a lawyer send Unium a letter with my conserns. They told him the same as they were telling me. I am not sure when but Marikay S did a complete turn around. She said that Unum did not change their policy and that Safeway dropped Unum because of unsatisfactory performance. Later, she said that they did make the change. After that, I gave up. I lost a year of payments equalling $24,000.

unum has systemically held up payment of my std claims by repeatly stating doctor has not sent requested information. on several occasions I have witnessed the doctors office faxing over all information. unum has unfairly closed my claim. I am not able to continue to pay my bills with no income from myself. They trying to force my back to work when physcially I am not able.

I am a full-time employee working part time and have been approved by Unum for long term disability. Some days I am able to work, other days are not as good, but my employer has agreed to allow me to work 4.5 hrs per day and I received disability for the remaining 3.5 hours. Every month I would fax my paychecks to Unum and based on the amount of hours that I was disabled they would send me a monthly payment. There are 2 months of the year that I did not receive payment from Unum because I received 3 paychecks from my employer and that put me over the amount I was allowed to earn.

That was all fine until November 2008. At that point I reached 24 months, never earning more than 50% of my total earnings from my employer. Unum then states to me that after 24 months they are doing a new calculation and they base it my projected earnings for this year. I requested a copy of my employers contract and it clearly states If your disability earnings fluctuate, Unum may average your disability earnings over the most recent 3 months to determine if your claim should continue. The contract goes on to state they will not terminate your benefits unless Beyond 24 months of disability payments, the average of your disability earnings from the last 3 months exceeds the gross disability payment.

My gross disabiltiy payment is 1673.26 per month, and my average earnings over Nov, Dec and January were: 1,577.37 which is clearly below. I have requested an appeal, only to have it denied. Unum states they can calculate my income on a common basis and are projecting that I will make over the limit. This is totally untrue since I have not worked nor will be able to work over 4.5 hours because of my medical condition. I am not being denied disability due to my documented illness, but simply because Unum has decided to calculate my income in a way that is not conducive to the policy.

I have gone to my Human Resources regarding this issue to no avail since they no longer use Unum as their disability carrier which is why I believe they are denying my benefits. There are 2 months out of the year that I do receive 3 paychecks so for those 2 months I have not received benefits from Unum because I was over the allowed monthly income amount. I don't have a problem with that. You simply cannot talk to anyone there regarding this issue. I was told to file for Social Security disability if I did not like the decision. I am trying to do the right thing by working as many hours as I can, and feel as though I am being punished for it. I would appreciate any advice. Thank you :)

I purchased std through my company to off set my companyies benefits. I went on dis.SEPT.26-08. It took four weeks to recieve any benefits and then i was contacted that they over payed me so they stopped my payments when time came to start paying me again they have done every thing they can to not pay me. I was diagnosed with peripheral neuropathy and hypothyroidism the doctor has sent them all of the paper work, everything they have asked for. they keep putting me off Ihave been with out benefits since DEC.29-08

IT IS NOW MARCH 12TH THEY ARE RUINING ME FINANCIALLY. I PAY FOR THIS BENEFIT OUT OF MY OWN POCKET SO THAT I DONT GET INTO A SITUATION LIKE THIS. What is my legal right? where can i get help. We have had to get into our pension just to stay afloat. THIS has got to stop. this insurance company should be held responsible for ruining peoples lives by not paying beneifits owed. HEAR WE GO AGAIN THE LITTLE GUY GETS [HURT] AND THEIR IS NO ONE TO TURN TOO

FINANCIAL HARDSHIP UNHEALTHY STRESS

I work for Snucks grocery in Memphis Tn. I took out insurance thru the Company witch provied Unum Providince. I had surgery done to my hand on Oct. 2c. 2008 and have been out of work since that time. Unum sent me 600 dollars as a first payment in jan 2009. Since that time I have recieved nothing else from the except a denial due to not recieving my claim from my doctor. This is not true since I have contacted my Doctor on several occasions and they have verified that indeed that the claims were sent promptly at each request to satisfy Unum claim that they had not recieved my paperwork.

In addition I have also sent the claim by Certified mail next day mail just in case the were to keep denyng that they are not recieving my claim.I need my money for this since I don't have any other income and cannot work due to thye type of surgery I had done to my hand.

This contant use of paperwork denial by Umum has brought me under extreem durest and now I am facing losing all I have worked so hard for all my life. I cannot pay my bills and or take care of basic needs such as food clothing etc.

I purchased Long Term Disability Insurance with Unum Co. through my employer in 2004. Since I became disabled from work in 2006,I have two issues with Unum not honoring my benefits that I am entitled to receive under my policy. First, Unum abruptly stopped paying my benefits on August 12, 2008. Unum sent me a letter that they stopped paying my benefits because their internal doctor who never has seen me or evaluated me, overturned my treating doctors medical restrictions. Unum advised my treating doctors restrictions were too extreme, and I could in fact return to my previous job.

In fact, although I was diagnosed with multiple herniated discs in my back, and had a broken tailbone, and had sustained nerve damage and muscle damage from performing my sitting and driving job duties while my tailbone was broken (but as yet undiagnosed) - Unum determined I could sit and drive for extended hours on my previous job. However, the company fired me for the doctors restrictions, and refused to allow me to work until my restrictions were lifted.

My second issue with Unum is that once I obtained a copy of my file with Unum, it came to light that they had been paying me a lower benefit amount than stipulated in my policy the entire time they were paying me. The underpayment was based on Unum using three different incorrect disability dates - rather than the date my company's H.R. dept shows that I first missed work due to illness. Part of the problem developed from a wrong date that my doctor initially put on one of my forms. However, the doctor later corrected the date, and Unum refused to pay me the correct benefit amount. The difference of the underpayment so far is approximately five thousand dollars. ($5000)

The consequences I have suffered from Unum not paying me the money they owe me, is that I have had to use my savings and credit to pay bills and expenses and medical expenses. In November, 2008, my funds completely ran out. I cannot afford medical treatment or medicines now. My stress level is very high because I have not had money to eat, put gas in my car, or pay my bills. My credit was in very good standing previously. Now, I have missed a credit card payment for two months straight. It is totally unfair to be placed in this position - while I am sick. It is an abomination that a company that is supposed to be helping disabled people, would take advantage of them in this way. I am the victim of bad faith practices on the part of Unum.

I took out a long term disability policy with Unum in 1999. I became disabled in July of 2008. My disability consist of cervical and lubar injuries which were not job related. After several delays by Unum to make a decission on my claim by requiring more information, they decided to approved my claim under Reservation of Rights due to Social Security granting me disability. I received four payments from Unum.

On February 10, 2009 I received a letter from Unum stating they were disconuing my disablity due to their decission. Their decission was based on them claiming under their policy, I was not disabiled. I find it very hard to believe Unum's policy is more strict then Social Security. Unum has practiced this type of tactic on several policy holders. They have also be sued before for these tactics.

Had open heart surgery Oct, 2007, drew std money until March 2008, but had another heart surgery in Feb, 2008, was told in late March of 2008, i was eligible for ltd, which was supposed to start april 6, 2008. my personal physician of 18 years and my cardiologistboth have deemed me disabled, i will be 51 in april. unum would not allow my ltd to even start.

after reconsiderating my claim, they denied it. In the process, many other complications has popped up because of the heart problems .I should be on 12 medications, i'm getting by on 4 by samples doctors are giving me since i no longer have NO INSURANCE, MEDICAL OR LIFE, NO PENSION OR RETIREMENT BECAUSE OF UNUM. MY FORMER EMPLOYER WHICH I WILL NOT NAME, WAS MORE THAN GLAD TO SEND ME A LETTER EXPLAINING TO ME THAT I WOULD HAVE TO PAY FOR THESE BENEFITS SINCE I WAS ON UNPAID LEAVE WHICH IS A POLITICALLY CORRECT WAY OF TELLING YOU YOU'RE FIRED!

Since unum denied my benefits, i had a 2007 car repossed, had utilities cut off 4 or 5 times in 10 months, owe doctors several dollars, and i have stretched my family to the limit, they are not wealthy. I obtained a lawyer in August, she told me she has never ever dealt with a company like UNUM. It takes months for her just to get basic info from unum about me.

Oh yes a side note, i had been employeed by my former employer since 1988, had the premium deducted from my check weekly! Unum did not miss a beat deducting it for 17 or 18 years. It seems to me there should be some way to stop unum from doing these things. I'm not giving up, i want UNUM to know i'm in it for the long haul, and i applied for ss in late 2007, denied twice so far, but i'm in that for the long haul to!

In 2003 I broke my right ankle severely at first i was on std and had no problems recieving these payments then went into longterm dissability and had no problems recieving benefits. over the next year i had several sugeries on my ankle recieved staph infection in my ankle and all kinds of problems. after on year Unum advised I needed to aply sor social security disablility i did and with no problems recieved social securiy disablility benefits. the unim rep working with me at the time told me that when i recieved my check from social security to pay off as many bills as possible because I would not be able to have to much money in my bank acount and advised me my monthly payment would decrease from what I was getting to 344 a month because of my social security payment i understoodall of theis.

the check came it was almost 17000 i paid of my truck i paid off hospital bills etc two months later i recieved a bill from unum for this amount in full with in 30 days. i called they asked my reps name who had told me to pay off bills with the money they said that was there money. I called social security they said they had never heard such a thing that was insurance like life ins you can have as much as you want as many policies as you want to pay for. so i called unum back asked to speak to the rep who had told me this she was no longer my rep no longer with the company and they would no longer be paying my monthy payment to me. they would be keeping it to pay themselves back for the over payment since i was stupid and paid off hospital bills with my social security check.

since this time I went through 15 surgeries and ended up haveing my leg amputated and finding out I am hiv poz. I am so depressed all the time and now because i am learning to walk with a prosthesis and have been released from my orthopedic because it is out of his hands. now unum is bugging and bugging and bugging me and needing this and that form filled out. I told the gentleman i am diealing with now look i just went through my three year evaluation with social security and they I still deem me disabled what more do you need. my unum policy is as long as i am deemed disabled they have to pay me to age 65. I am 33 this is a very long time to be harassed and put through there stress.

I am depressed because of all i went and go through on a daily basis losing my leg and finding out hiv poz told by my doctors to keep my stress level nill but have constant harrassment from unum.. I think that it is [bad] because a unum employee told me wrong. i have lost on income for the last four years to repay unum. i at least hope they continue my disability until they are paid off in may. then as far as i am concerned the games can begin. they can terminate pay. i will appeal and appeal untill i die!

My husband was denied for LTD. He had a staph infection on his toe and had to have it amputated. When he went ouut on short-term disability due to an ulcer that had developed on his rt foot (which resulted in an additional amputation).He had underwent a kidney transplant and I was the donor when he worked in 2000. The transplant was due to some antibiotic so when he rec'sd the perfectly matched kidney he did not need dialysis and returned to work within a month.

Of course we were denied October 06 an for pre-existing condition (diabetes age 7) and we were forced to move to Phoenix where my parents lived and he was diagnosed with kidney failure because he could not afford his meds. If it had not been for our families he would not be alive. He has been on dialysis and undergoing chemo treatment so hopefully he will find a kidney soon. They destroyed a God-given miracle and bow that the Court of Appeals in NY has revoked the pre-existing blanket they refuse to pay us.

Chapter7 Kidney failure

Unum Life Insurance Company of America has arbitrarily decided that I have $16,562.00 in back pay coming from social security. Furthermore, they decided that I have received it by this time and therefore they have overpaid me by this amount so they cut off my payments until this amount is paid which will take about 20 to 21 months. I have no idea what the actual social security back payment amount will be, nor if or when I will ever receive it.

The facts of the matter are that I have not yet received one cent from social security beyond my regular monthly disability payments. My attorney advised me that social security has always been slow but has been screwed up beyond belief this year. He contacted them and they advised him that my back payment was currently in backlog and I might get it in the next thirty days but they couldn't say for sure. I have been unable to reach anyone at Unum who can resolve this and my calls are not returned.

I am currently unable to pay my rent and utilities.

I took short term and long term disability with Unum at my place of work and paid out of net after taxes. I developed a brain tumor and M.S. which led to my becoming disabled. I am currently blind in both eyes this week and my mother is typing for me. I filed for short term and long term disability. I was denied after repeatedly providing info to Unum from my doctors and myself. Unum sent reps to my home to "check on me" unannounced and they sat outside my road watching my house. I finally lost my car to repossession and I had to declare bankrupcy due to Unum not paying me. They finally started paying me around 800.00 a month. They sent me a letter saying they "were withdrawing any reservation of rights they had against my claim due to the M.S." and then they sent a letter urging me to apply for social security disability. I applied for the soc sec disability and received it many months later because social Security did not have all my doctor records at first.

Then Unum sent me letter saying they were only going to pay me $100.00 a month due to Social Security. THen they sent me a letter saying they were not paying me ANYTHING AND THAT I OWED THEM AROUND $14,000.00. They sent another letter saying they were entering the amount "owed to Unum" in my credit files. Then they actually had the nerve to call me demanding my three year old son's social security number since I get money for him from social security (300.00 a month) and they wanted to enter THAT into HIS credit file also! I refused to give them my son's social security number as Unum does not pay for my son's disability and they never did.

THen on top of that they called last week wanting further information on me even though they were not going to pay me. I told them I am about to lose my car once again because of them yanking the money away from me. I told them I cannot pay my bills. I told them I have not been going to school or working since May 2008 and that my M.S. has acted up so badly I have been laying around in bed. My eyes were blind and not able to see. I told them I could not afford to go to doctor all the time as I cannot afford the co-pay and in Missouri since i receive 800.00 in social security minus insurance and so forth I do not qualify for any other aid. My mother was there when the telephone conversation was going on and my mother finally told me to hang the phone up and tell unum to send the information packet on my case. I had requested this a month ago and they were not providing me with the information.

My mother told Unum that they were not going to pay me anything and that whe was looking for an attorney for me and that if we could we would sue them. My M.S. is caused by STRESS and the finances that Unum has put me in has increased that. I was told I would continue getting my payments for so many years and I took car loans and other loans believing I would get Unum's money. Now I am not and creditors are even calling my parents. I have high doctor bills and high medicine bills and to top it all off I am four months pregnant and not able to take my M.S. shots or medicines and Unum is causing worse stress calling me all the time wanting their money. I am sick of it..anyone can you help me?? The last time Unum called me and I told them I was too sick to go to school or work and they said "you are able to work part time" and unless your symtoms are M.S. related we cannot do anything for you and they know M.S. is NOT curable and is long term. They continue to make excuses. I want a attorney to handle this for me as I cannot handle the stress. i am sick very sick and I cannot take it anymore. Please..

I am a breast cancer survivor for 5 yrs. now. went back to work after 10 months. I am now burned out with anemia, back pains, gastric,and depression. My doctor said to go on leave of absence to work to get my life back. After 3 months since my doctor said take off, unumprovident/hsbc has still not approved my claim after suppying all documentation requested by them.

This has caused me financial stress, which is effecting my mental and physical condition. This has made me feel there is no life after cancer especially when you are trying and things like this stop you!

I have dealt with several persons from Unum and locations are different. I submitted a complaint in October 2008 but I didn't see mine so I am rewriting/resubmitting. I was taken off work in June 2007 and have not worked since, I subsequently retired in order to keep my medical going. I received disability payments from Unum for a year of a two year plan and they sent me to their doctor who wrote that I should be able to work on a part time basis, which was not possible. I have and still have excruciating pain in my back.

I have gone through the appeal process and have even given them doctors notes continuously and they still have not rescinded my benefits based on a doctors review that only saw me for approx 5 minutes. (it took me approx. 1 hour to get to their doctor) I feel that the doctor is probably paid to go against my doctors review. If their doctor had tested me, had me stoop, sit etc. I would have more respect for his decision because the outcome I feel would have been different. He would have noticed the pain that I am having, but he didn't. His report mentioned many things that I feel should not have had anything to do with my current condition.

Now that I am in the appeals process, they have submitted it to another level. I am currently seeing a chiropractor and the treatment is doing some good as oppose to the treatment I was getting from therapist and shots from the doctor however, I am still not 100% but I feel that I am getting there. COMPLAINT: I PAID FOR UNUM PROVIDENT WHICH WAS CALLED INCOME PROTECTION AND INSTEAD THEY DEFAULTED ON WHAT i paid for.

to be back paid for the months not paid and paid until which time I am able to either go back to work or if not pay me for the number of months in my policy as long as I can't work. They put me in a HUGE FINANCIAL SITUATION WHICH I WAS TRYING TO AVOID WHEN I GOT THE INSURANCE.

I filed and collected STD but Unum insisted I file for Social Security Disability. Well I did and received Permanent Social Security Disability . I kept Unum aprised of all awards and my medical condition and complied with all requests they asked for, My award was reduced to offset the social security disability I was receiving.

Then one day Unum decided they would not pay any longer so they didnt. they said they overpaid me so the $1400 a month was being held to pay back $24000. This caused me to be unable to pay for my medication to take the pain away. I have sinced been diagnosed with cancer and cant afford the co-pay to have it removed. I am unable to pay my mortgage on time so It will most likely go into forclosure and I wont have a place to live. I paid into this disability plan at work for 4 yrs so I would not have to do without if I were to become ill. Now I cant afford food or co pays for medication or hospital care nothing. They were supposed to cover me for 3 years and they only covered me for 1 yr

I had an acoustic neuroma removed in March of l998. Have not worked since. I am balance problems and headaches right after surgery. I was getting short term disability then they stopped and they did not want to give me long term disability. I did the reassment in 2004 and again I was denied. An attorney in California advised me that the statute of limitations ran and that they could not help me.

I am getting social security disability. I have three children and it has been very difficult for me. I have not worked since, because I am still disabled. It is very hard since there is no money coming in on social security disability, and help from my family.

I do not think that this is fair. I worked for twenty years and I got disabled and could not work and I was paying into an insurance who did not do anything for me. They were horrible people to deal with. I have been collecting social security disability since 2002. Please help.

i purchased disability insurance thru my employer discover financial, at no time did human resources state it was a policy from unum. i purchased the coverage at my expense because my husband had passed away after a very lengthy illness-we lost our home, our business, and most import our dignity. I was led to believe by discover financial that if i were to become ill i would continue receiving a portion of my salary.

it has been four plus years and a constant battle with unum-they would call almost on a daily basis with a barage of questions -like can you open a can? a bottle of milk etc. to date I have had to cash in my 401 k and i took numerous loans from discover/morgan stanley just to survive.

in march of this year my claim was denied because unum felt i was not ill enough-according to unum they hired someone to follow me to the grocery store and observed me purchasing bottled water, milk and bread. so my claim was denied because i could walk- what their letter did not state is-i have to park in disabled parking, if i spend any time in a grocery store it takes me 4 to 5 days to recover due to the pain. my diagnosis was fibromyalgia- i am in pain 24 hours a day

i paid into this plan for 9 years according to the physicians i am unable to work- I have nothing left not even my dignity-what a sad state when i read that their employees receive incentives for denying claims.

I had an injury to my left ankle/foot which ended up being plantar fascitis & tendonitis with continuing swelling & major pain. Since I was on my feet over 40 hours a week, I was unable to perform my job. I did not have any problems with short term disabilities through Starbucks->Unum but I've yet to receive long term benefits.

Unum asks again and again for documents they already have in their possession. And I definitely feel like they are stalling.

Once, my benefits specialst called me 10 minutes before she was to leave for the weekend to tell me they haven't received a response from one of my doctors and now they would require an extra 30 days to process my claim. (Even though they already knew this doctor only made an insert for my shoe and gave me no medical treatment.)

Every other week, they request information from a different doctor - which only prolongs the process and, in turn, they again said they had to take an additional 30 days to process my claim. Like I said -- they already have ALL of this information!!

I'm broke. I literally have less than $10 in my bank acount and all of my bills are MORE than overdue. Creditors call me EVERY day. I can't take it much longer.

My partner can't afford to take care of everything, which has also put a tremendous strain on our relationship because her bills are now behind because of me.

And here's the thing - according to Unum in order to receive benefits, I must be currently be receiving dotor treatment for my foot BUT I can't afford to go to the doctor because i do not have the money to pay the doctors -- so what do I do? Unum's got me either way!

It's going on 3 months and if it weren't for my partner I would be out on the streets -- if something doesn't happen soon, we may BOTH be out on the streets. I am completely depressed, broke, AND out of a job. Please help!

My doctor wrote my release on my assumption. However by Monday, I still had a fever, and a lot of fluid in my chest, wheezing and was continuosly coughing. I called my physcian who again said to stay home and to rest. It wasn't until the following Friday evening that I felt I could get out of bed. By that Monday I returned to work. UNUM refuses to approve the 2nd week, eventhough my physician wrote a statement to them explaining that a person who is feberish and coughing would not be recommended to go to work. In fact, when I tried to explain this to my case worker Mr. Galloway, he accused me of not even seeing a doctor. I couldn't believe it what I was hearing.

About three years ago, I fell and broke my ankle. I was in a cast for over two months. I filed a claim with Unum insurance for short term disability. They issued me a check for 500 and some change. I was informed my payment was based on the amount of my last paycheck and not my weekly salary . This was very unfortunate in that I was only into the second day of that pay period when the accident occured. However, they then called and requested I send the check back. They claimed that I was on leave at the time which was completely wrong. Therefore, I was not eligible for any benefits.

I called my employer and they denied they had ever told UNUM that. What was more, the indiviual I was communicating with thought I could still perform my work duties in spite of the fact I lived 25 miles round trip to my workplace and could not drive ( I broke my right ankle) per my doctors orders. Additionally, the cast would not allow me to wear most of my work clothes. When I protested these determinations, the agent became extremely rude and suggested I was trying to pull something. I was completely disgusted by the whole incident.

I never received a penny in compensation from UNUM insurance. They are not in the least bit helpful and the premiums, although inexpensive are a waste of money. They seek any possible means for denying a claim. I did not know this web site existed or I would have provided this information a long time ago.I do not expect any compensation at this late date but I want others to know about this disreputable company.

At the time my accident occured we were not doing well financially.The money sure would have helped. I wouldn't say any damages occured as a result, although we really had to struggle as my income was vitally needed. However, the agent I was dealing with was so upsetting I had to start taking medication for my nerves.

Have had 2 heart surgeries since october,2007,a stent, and double bypass.Right leg numb from knee down,due to arteries being removed from leg to put in heart,two cardiologist have told me heart is weaker,not physically able to work any more,this is from 3 doctors,also had a stroke in 2002,back surgery in 2004,have had lupus for 30 years.I'm 50 years old,have worked in a factory 27 years,20 at the present one, been off since october 4th,2007,go to therapy 3 days a week,doctors 2x a month.

Unum has sent me $350 dollars in 10 weeks,they are (reviewing)!! my case since it is in long term status now.It's a good thing my children are grown now, because we would be homeless and starving to death waiting on unum to pay what they owe.It is mighty strange,my employer deducted money every single week out of my check without missing a beat for 18 years,every since they started the std/ltd program.Between unum and my employer,they gave me several different fax and phone numbers,said they have tried to reach me by phone,which they have'nt,wont call my doctors,but they did call my therapist to see if they knew me.I have sent them countless sheets of paper from doctors and therapists.They didn't believe i have been taking therapy since november 2007.

Have had to quit therapy 2x because of complications popping up.I've been widowed or 2 years,my 3 children are grown,two are out of college,one is a junior in college.They are struggling trying to help me and themselves.If it wasn't for my church and my family,i would have been kicked out of my apt,wouldn't have any utilities,and very close to losing my car.For the life of me i can't understand how unum continually gets by with these tactics,with all of the past and present lawsuits.Is there anyway they can be stopped?

My policy wwas bought by unum Provident and it provides for lifetime payments as long as I am not able to return to my former line of employmment. That was a 12-14 hr per day managerial position in Logistics in a manufacturing plant. I take 60 mg of Oxy Contin per day and also take Percocet and zanaflex or Valium as needed for spike pain or muscle spasms. My surgery did not go as planned due to extreme bleeding. I still have pain in my lower back daily, unless I stay in bed all day, and frequently have neck pains as well. I went to a vacation spot and was asked to go for a ride on a jet ski. I did but the person driving went out into the rough water so I immediately pulled the kill switch and told hern eithern we go in or we go to the flat water, we went in. I reported that to my doctor along with something that did make my back hurt which was a long bke ride through soft beach sand. I got off the bike and walked it to the hard sand so I could resume riding it. The strenous efforts of trying to ride in the soft sand caused immediate pain which was why I walked the bike.

I have arhtritis, osteoporosis, bone spurs, steel rods and screws in my back and am in pain daily. Unum asked for an update letter from my surgeon which was sent 4/10/08. On 4/30/08 they called to say they had not received it so I faxed a copy on the spot. Now they are telling me they will probably send me to another Orthopedic Surgeon to be evaluated even though they have numerous letters, follow up reports and copies of all MRIs. If their doctor pronounces me fit with a quick office visit I will be cut off financially, addicted to narcotics, and still have no ability to work. When I asked how am I supposed to get a job, much less one just like I had , when I am in this position they told me that is not their problem. What a company. Glad I paid my premiums for 20 years. Now I can get ready to lose my home and any assets I may have because of a 10 minute ride on a jet ski.

I have SSDI but it will just cover my mortgage payment. I can not survive on SSDI by itself. I will have to sell my house in this horrible real estate market and do what I can with the proceeds. How do you live on 1650 a month?

I went on short term disability on October 2007 - I could not walk, hospitized twice in Oct and Dec - after 10 docs, finally got a diagnosis - osteroarthritis in January 2008. Met with the 10th doc in January and he said, some back in 2 months at the earliest. HOWEVER, never being on disability and an honest person told unum what the doc said, but told them my goal was to go back to work full time Feb 1st. That did not happen, but after that Unum called me continually - not leaving a detailed message saying that I was going back to work full time Feb 1st

I explained in writing several times thru fax, but was ignored. Every week I was getting multiple calls and at that point, was scared to talk with them The doc office advised that I not tell them anything, just keep refering them to my doc. Then I get another letter saying I would be going back to work full time April 1st - NO IDEA WHERE THEY GOT THAT DATE, not from me or the doc.

I ended up being able to go back full time April 7th THANK GOD and thoughtI would not hear from them again. WRONG, they have called me multiple times since, just recently again tonight and last Thursday - this from long term disability(Glenn Walker) - already told them once. I was under a lot of stress both financially and physically, and I truly feel, Unum was contacting me to the point of harrasement. PLUS in the beginning the number that was on their letter head was not the correct number. I would tell the people at the first number to update my file, and they just flat out didn't They were supposed to transfer me to HSBC Unum Provident.

When I was very ill, one person was SO RUDE I hung up on her and then found out all the calls I made had not updated anything. I understand that some people my fake a problem - I had plenty of documentation and doctors to prove what I was going through was not a fake. That didn't seem to matter to Unum. I have their letters and my faxes to back up what I'm saying and believe me there was much more.

I only received part pay and from Oct to Dec I got paid twice. and when I called them, they said it was HSBC. I also have uncerative colitis and this entire process was pretty upsetting that I had a flare up which was documented in Dec by the hospital as well as not being able to walk.

I am suffering from chronic fatigue idiopathic hypersomnolence and had 3 or 4 doctors state I was unable to work. The company initially paid disability and later denied them because a 'conclusive diagnosis' did not exist. I was evicted from my apartment and had to move in with someone because I couldn't work and had no income. Now, in 2008, I am still suffering the same illnesses. With more specialist. I am near exhausting my fmla allowances and cannot work a full day most days. I fear I will have to stop working and hope to get ssi benefits. Recently I called, emailed and faxed unum to get copies of my records. They have not been helpful, rather they pass me around and say someone will get back with me. I need some help. The attorney in Houston wanted $200 just to talk to me about my case.

Economic damages: no longer could be independent, moved in with then boyfriend who had to pay my last 2 months rent on the apartment. Could not get unemployment because I was not well enough to work. Found a job working from home, but later the company wanted me to commute. I could not stay alert enough to drive the distance and I quit that job. Stayed off work for a few months and found a low paying job at the city of Houston. I have been ill off and on throughout, but in October I had a serious episode with this illness. I was off for 2 months, then went back part time. I cannot seem to make a full week of work because of the exhaustion.Ii have a sleep specialist, neurologist, endocrinologist, primary care, psychiatrist and in April they have referred me to a rheumatologist.

I filed for disability benefits back in the year 2000. From the day I filed with Unum, I was constantly harassed with calls, asking if my condition had changed, improved, etc. It was permanent! I really don't know how these people sleep at night. I was diagnosed with Meniere's Disease, which causes profound deafness, which I have now, and balance, equilibrium problems, nystagmus, ringing in the ears, everyday.

When my SSDI came through, oddly enough, they (Unum) decided to pay my claim in a lump sum. It came the same day as my SSDI did. I was told I could keep it. They bugged me every month because, heaven forbid, they had to pay me 100 dollars each month. That was my benefit. I was later put in collections for the $3,000.00 they had paid me, and I had to empty my pension to pay them back. They got off scott free.

As the years have progressed, my disability has gotten worse. I have fallen down my apt stairs and have broken my right foot in 2004, requiring reconstructive surgery. I had PT for 2 years. I recently in October re-broke the same foot. I walk with a cane now. I'm only 46 years old. I'm a prisoner in my own apt. (second floor) because I don't have enough money to move, and my apt. wants a 400 dollar transfer fee. I don't know how Unum employees sleep at night. They get away with not paying and leaving the government to foot the bill. I don't see things improving for myself and I feel deeply for all of you who told your stories.

Had to go into my pension and withdraw all my money. $3,000.00. Physically, I fall to the right, and mobility is an issue. They told me I could still work! I'm stuck on a 2nd floor apt. with no way to move. What I get paid a month, $892- apparently is too much for any kind of assistance. I live alone. And my disability gets worse each year.

I worked for Rooms to Go for 3 years. I was hurt on the job and started receiving long term disability from Unum Provident insurance. I was disabled for life and it took 3 years for social security to approve my claim . After they did, Unum now wants the same amount I got from social security back. They told me that Rooms to Go put this clause in the policy. Is there anything I can do to stop them?

The denied a disability claim that should have been paid in 2006, causing me loss of income.

What this means is that they can keep increasing the premium without cease each year forever. If I choose not to participate I loose the premiums for the past ten years. Or - I can lessen the amount of coverage from what it is now - Or stop paying and only receive the benifits accrued so far.

I was injuried on the job Nov 10, 2004 in Arizona. I fell to my knees after my headset cord wrapped around my left ankle, causing me to drop immediately to both knees and all my computer equipment to fall upon me. I filed a W/C case against the company in 2005, needless to say it was denied and no appeal would work. Unum sent me paperwork to fill out, my claim is approved, then I have to move for personal reasons. I was filling out paperwork about every 3 weeks for them and getting more and more stressed. They said I had to do these things to keep my disability payments coming. They also said I had to file for my Social Security Disability using Genex (advocates they use to get your social security started).

And then the nightmare really began, it was my responsibility to get doctor reports, to prove my case should stay alive and not closed. Took Genex almost 2 yrs to get my SSDI, but an ironic thing happened when I got approved. Genex had my new address, but they sent to my old address, and faxed the approval to Unum. A phone call would have been appropriate, 3 days after approval of SSDI I received a letter form Unum saying I will need to fill out more info to keep my benefits coming. And a week later I received another letter from Unum's financial department stating I owed them $18,126.00, and then another letter came saying I had to sign over all rights of my Social Security Information, and if I did not my benefits would cease. I called the financial department and spoke to Ms Austin, who explained I would not be getting any back pay until all areas were straightened out accordingly to make sure I did not get overpaid. She said she would followup in January 2008. We spoke a few days ago and since I might not receive any payment at all due to personal reasons, they (Unum) have stated my benefits will cease and my monthly benefits will stop coming to repay what is owed to them. I am already in financial ruin and lost my home, and my vehicle, not much left but to file bankruptcy.

I have been under a tremendous amount of stress, which results of increasing pain, stress is the number one thing that causes pain to not get relieved and causes more people to give up in life. At times I am not sure how I will continue and cannot handle much more from these people who seem to have no compassion as to what they are doing to our lives, Just as long as a company badgers us and tell us more paperwork, then say we are only thinking of you and want to help, help is not this way. Sitting here trying to type this is extremely hard for me as it hurts greatly to sit very long or stand at all. I have to walk with a 4 pegged walker most of the time to balance, live on many pain meds, been thru any procedures I can to lessen the pain, cried myself to sleep night after night, and sometimes daily. I have been on meds to help with the damage it has caused to my mind and mental state.

I was on disability for two degenarative discs in my lumbar area and spinal stenosis for 14 months. Unum denied my claim.

The consequences are marital problems and foreclosure on our home.

Wife was hurt on job while nursing and was on W/C in 1999 and also put in for SSD and was approved. When she filed for Long Term Disability the company said she was making too much money per month, after the W/C settled her claim she filed again in 2002 or 2003 and was told she had waited too long. How can this be when all they did was put her off until the time limit, so they said.

I have an anxiety panic disorder, and I cant be alone at times or leave the house. I take medication and go for counseling, I dont concentrate well and Cant focus anymore cause I have severe anxiety with I feel like My heart is going to explode. I have given Unum all Doctors notes, psyciatric evaluation letters and any information that was requested. I spoke to numerous people with dates and times, from Diane Lewis, to many others. I was told that my unum will not run out as long as i have medical evidence supporting my disability. I was told I would be covered until 2027. I had my close reletavies look into this also and know, unum cut me off they never told me that they were going to.

I was hurt on the job and was covered by UNUM. This happened approx 10-12 years ago and of course not knowing the system I could not believe I had to apply for SSDI to qualify for the UNUM benefits. Also my employer requested I apply for the UNUM benefits and they would help with all the paper work. To make a long story short, UNUM did approve my benefits (it was hard for them not to with the scope of my injuries) which amounted to 2100.00 per month which I received for about 6 months before my SSID was approved. Then they wanted all my back retro SSID to pay them back. I didn't do it. I couldn't!!

Anyway, UNUM was supposed to pay the difference between the SSDI amount and the UNUM amount which lowered UNUM's libility to about 1000.00 a month at the time.

We went bankrupt (legally in court) and never really recovered from UNUM'S crap and from that time approx 10-12 years ago, I've remained on SSDI and have never received a payment from UNUM which would be pretty big by now. Personally, I think they are all low lifes.

I scheduled a surgery that was medically necessary and approved by my Medical Insurance Company, sent all the required documentation to Unum Insurance prior to surgery so I would not have to deal with this while on leave. My doctor has determined that I be on leave for at least 6 weeks, the insurance sompany states I should only be on leave for 2 weeks, I should be back at work and be okay.

First thing, what right do they have to tell me I'm okay? Second, everyone heals differently, what could be good for one person is not good for another, therefore each claim should be looked at individually not as a rule. I am to return to work on May 15th, the company only wants to pay me for the time they think is reasonable, which is until April 23rd, which was my last Dr visit.

This company is very heartless and does not want to work with you on an individual basis.

I was unable to meet my financial obligations, so I had to borrow money just to make my bills, and promised to pay it back once UnumProvident paid me. I have just had surgery, which entails chunks of my body has been removed, I have stitches inside & outside my body, and now I am having to deal with the stress of these people, and getting my bills paid, and trying to recuperate. This should my time for healing and getting my body back to normal, not fighting with a company who should be helping me not hurting me.

On June 4, 2005 I suvvered a Rupturd Brain Aneurysm. After the intial clipping of the Aneurysm, I acquired an infection of the Brain while an inpatient as Mass General Hospital. Trying to rid me of the infection resulted in me having 5 additional Brain surgeries, as none of the Antibiotics worked.The 4th and 5th surguries were to remove my right skull and after 6 months it was replaced with a titanium plate in order to rid me of the infections. The infections were 2 Bacterial, and 1 Fungal.

As a result of one of the surgeries, I have significant difficulty with short term memory, comprehension, coordinating, forgetting what I'm, and walking away, no matter what it might be. confused very easily, and unsteadiness on my right side, and sometimes I forget something is in my right hand, and I drop it or it falls.

I was on long term disability for a little over a year, I got approved for SSDI, and got a retroactive check which I had to hand over the entire check to unum provident, to pay beack dissability payments that I was awarded because I am on SSDI. My amount was cut fro 925.00 per month to 260 per month. Now that they have significantly reduced my benefit, they are requiring me to go for an 8 hour Medical evaluation, including a Neuropscholigist exam. This doesn't seem fair. Any input would be appreciated.

I was a teacher who integrated fine arts into literture, social studies, and reading. I team taught with an incredible teacher. She and I designed the entire program and there was a waiting list to get into the program of 6th graders. I loved my job and spent usually ten to twelve hours there every day. Then I started to notice eztreme fatigue, pushing it off to my work, but I became dizzy. One day I fell asleep at the wheel and then finally one day I fell asleep over my overhead projector in front of the class. That day I went to a neurologist and a sleep disorders doctor.

I suffered from extreme sleep apnea, had turned blue three times, was put into the hospital with breathing difficulties, and the decision was made that I needed to take time off. I was not allowed to drive and had to get help getting to the doctor, 70 miles away as they helped me. I was put on a c-pap which helped some, but not enough to make it through a day. I was put in the hospital three times for studies and the doctor stated clearly that my apnea was clearly disabling, after extensive studies and she would fill out any paperwork.

Social Security was filed and granted when I had to resign, the worst day I experienced. Unum Provident determined I qualified, as well, but not for the illness. I have been bi-polar for 30 years and am monthly monitored. I have no career ending problems with this, but the agent, when I called and was upset at this decision, actually called me a mental case. I received the two years of benefits for the mental issue, not the full benefits due me. I filed an appeal, was turned down and when I complained about this I was told I had reached the end of my opportunities.

I had so much evidence but they pulled what they wanted. I am one of those in review, but I believe Unum is Unum. My agent is decent, but I fear I will have to enter a class action or private attorney.By the way, not only do they take away your benefits, they take away your dignity, which gives me cause to keep fighting, for you see, I am not a mental case.

I lost my benefits that should have continued beyend the two years to age 65. I am not able to work, the stress caused severe stomach damage so that I had to have surgery to have my entire stomach removed. Currently I am on morphine and Vicodan for adhesions from the surgery. I have tremendous difficulty wearing my c-pap mask as I sleep sitting up to prevent vomiting in the mask. During the day I sleep two to three times, preventing me even the energy to volunteer in a school.

I have been applying for disablilty and overhead insurance since May of this year. I have been dealing with a Mr. Chabot who does not respnd to my requests since September of 22, 2006 to my registered mail requests. The last one has been sent off on 12.27.2006. He knows, that I have been on physician documented disablilty since 5.30.2006. I have not received any evaluation of my claim as yet and certainly not any payments which I am in need of.

my reimbursement should have been in trange of $ 50 - 70,000.00 at this time, which leaves me in financial distress

After all of the medical documention(for MS)asked for, and incessant questions which I answered ad nauseum. They told me that I only needed to word 5 more hours during the week,so they wouldn't have to pay me. The sought neurologists that would not tell them what they wanted ie; oh, of course she can work an extra 5 hours.

So finally after 9 or so months I received a call from April: Good news, I just wanted you to know that this is a medically supported claim. Fast forward to 2 weeks later, oh we can't pay you because you have to have a 20% loss....OK, well I'm a 40 hour employee, and I cut my hours by 8 a week, so that's 32 hours a month. To me that looks like a 20% loss.

Ok, so this week my whole right side of my face drooped like a stroke. My neurologist wants me to take some time off, but thanks to unum provident they never took into consideration that my company automatically takes out earned time so the loss is hidden, my earned time IS a loss, and now I'm into a negative balance, so I'm screwed either way. That's what insurance is for, they need to see how much earned time added up to my 20 % loss, then that will give them the real numbers. I don't know what happens if I have to take time off, which my doctor suggested after this most recent exacerbation. I have a mortgage, bills, federal loans etc, that's why there's ltd.

Unum stopped paying me even tho my policy states they were to pay me until I reached 65 and was still disabled. I am barely suriving on social security disability. I am losing my home not able to pay my bills and under a lot of stress

UnumProvident has not denied my claim. But they maintain a relentless passive-agressive harrassment effort in order to provoke a confrontation. The Veteran Administration pays me 100% 'unemployability disability' benefits. Social Security found in my favor and granted disability. Unum is ripping at my good fortune in regards to unfortunate circumstances and have been trying to harrass me off the books for 6 years now. Do I have any legal recourse?

This isn't the first time I have been denied disability coverage from UNUM. I was denied disability coverage after I became ill in 1998. I was employed by a company called PC CONNECTION in Milford NH. I was later diagnosed with CFS (chronic fatigue syndrome) and have been collecting SSDI since 2000. I received a letter from Unum in February 2005 stating that my claim could be reconsidered. I sent the paper work back opting in.

I was moving from NH to Maine when they sent a second letter requesting additional information during the summer of 2005. I was moving to Maine because we couldn't afford to live in Milford NH anymore. Besides the fact that I have been unable to work since getting ill, the company my husband had worked for, for about 17 years was cutting everyone's hours back to 20 a week. We couldn't make our mortgage payments, pay our taxes and all the rest. We had to sell our house. We had to use the proceeds of the sale to pay off debts we had accrued, and we had to use what was left to live on.

My husband was working for UPS part time in the Nashua NH facility in addition to his other job and was told if we relocated they would give him a full time position in the Wells facility. That didn't happen. We moved to Maine because we have a piece of land in Kennebunk Maine. We lived in our pop up camper all last summer waiting for my husband to be made full time and all along hoping that we would be able to obtain financing to build a house. We had no mailing address until we could get a building permit. All our mail was being held in NH.

After finally receiving the request, filling out the information they requested and sending it back, I received a letter back from Unum claiming it "was too Late". So again they have managed to screw me out of the coverage I deserved.