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Unum Individual Insurance Claims Archives

Did the 2004 Multi-State Settlement Deter Unum Provident From Continued Bad Faith Claims Handling?

Almost fifteen years ago, Unum Provident entered into a historic multi-state settlement with 3 lead states, 46 other states and the District of Columbia, as well as the U.S. Department of Labor, that cost it in excess of $120 million to comply, required it to reassess claims it has denied dating back to 1997, and called for an additional $15 million in fines. Maine Superintendent at the time, Alessandro Iuppa, was quoted by the Insurance Journal as saying, "This action is one of the most significant multistate insurance regulatory actions in history, providing a uniform, verifiable and effective state-based settlement for the benefit of UnumProvident policyholders nationwide." But did the over $135 million paid by Unum and the substantial, extensive corrective action and requirements of Unum under agreement, along with risk of another $145 million or more in fines, deter UnumProvident from continued bad faith claims handling?

Unum Reports that More Breast Cancer Survivors are Returning to Work After Short Term Disability Leave

On October 4, 2012, **Unum announced that more than twice as many people who have battled breast cancer are returning successfully to work after short term disability leave.  Unum explained that in 2009, nearly 64 percent of people on short term disability leave due to breast cancer returned to work, which has increased from 28.8 percent in 2001.  Unum admits in its release that cancer is consistently the leading cause of Unum long term disability claims, reporting that about 15 percent of all disability claims each year are cancer claims.  Of those disability cancer claims, breast cancer is the leading type and accounts for about 22 percent of cancer claims.  Breast cancer is also the leading type of cancer prompting short term disability cancer claims, at 17 percent. 

Unum Names New Head of Individual Disability Policy Block To "Improve ... business."

Unum announced that Jack McGarry, will be taking over Unum's closed block of business in the United States. Unum's closed block of business includes Unum's individual disability policies issued almost two decades ago. It is important to understand that Unum no longer sells these types of policies, which are often referred to as "Cadillac" disability policies due to the liberal language they contain. The reasoning behind Unum's decision to have McGarry manage its closed block of business was explained by Thomas Watjen, Unum's Group CEO:

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