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Restored Corporate Crimefighters of America.

     Exposing the Crimes of UnumProvident and other insurance companies

Over half a giagbyte of info to help disabled victims of
UnumProvident Insurance Company

While we rebuild the site, you can still get very helpful information below.

In the meantime, read how UnumProvident is moving into the UK to control their social disability system while discounting true illnesses, thanks to crooked British politicians

As with many other bad ideas, the UK is being used as a test case before invading our system.
(Adobe Acrobat PDF file)

Read the DISABILITY CLAIMS SOLUTIONS NEWSLETTER - GOOD IDEAS ( also pdf )

UNUM CLAIMS MANUALS AVAILABLE FOR DOWNLOAD HERE (PDF FORMAT)

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Until we rebuild the site, get helpful information in our Newsletter Archives, or visit our
Yahoo Discussion Group for information and advice

Surviving a Unum Fishing Expedition (the Deposition process.)

Personal Health Insurance Horror Stories will also be uploaded in the near future.

Much of this information and tons more (along with some kvetching ;')  is still available in our Newsletter Archives.

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Unum has been declared an "outlaw company" by the CA insurance commissioner.
Here is more on how they cheat the government:

A GRIM FAIRY TALE

http://www.lawyerfsandsettlements.com/articles/01590/unum-morphed.html

Portland,OR: -- Once upon a time, there was nice insurance company called Unum Provident; it had a good reputation and quality product. The people who worked there believed in honesty and integrity. But a bunch of nasty managers decided to produce favorable profits at the expense of its policy holders. The happy company morphed into First Unum and became the Darth Vader of the insurance industry.

"Be ashamed, be very ashamed if you work for this company," says Robert O'mea, former general agent for UnumProvident (now First Unum) and noted expert on disability insurance. "I am ashamed that I worked there from 1979 to 1981." O'mea also worked for Canada life as a general agent and did training for new and existing agents. Compared to First Unum, Canada Life was its exact opposite. According to O'mea, First Unum is "a corporate culture of deceit and greed is their common denominator."

"The way this insurance company operates is like saying there is no God," says O'mea. "They have made people's lives a shambles. They have no conscience—they have no intention of paying their claims."

O'mea explains that the federal government's response has indicated First Unum's bad faith. "Judge Learned Hand, in an opinion given for the US Court of Appeals, said the only purpose that an insurance company has, is to pay claims. Insurance companies are given a special and favorable tax status because of the social benefits they provide—and Unum has violated this trust at every opportunity.

"When I worked there, this wouldn't have happened; it wasn't an option," he says. What went so horribly wrong and when? O'mea says it was nothing more than sheer greed that started about eight or nine years ago. Management got together and saw nothing but dollar signs—for them.

How did it escalate and how did they get away with it for so long? "It has taken a while for people to catch up," says O'mea. "If I researched this company before signing a policy, I wouldn't have paid a dime. The public still doesn't know what kind of damage they are doing. Frankly, the federal and state governments will have to pay a substantial amount of money—they will have to pay the benefits that Unum declines."

For example, a widow works all her life and gets hurt on the job. Unum denies her so she goes on welfare—for the rest of her life. The government pays and Unum walks away.

But O'mea predicts the hammer is about ready to drop. Federal regulations and attorneys who are willing to take up the challenge with a good class action lawsuit could recover hundreds of millions of dollars in benefits for policy holders who were denied disability. "I shake my head to the point of tears: how can management destroy the legacy and reputation, the history of service to clients that Unum Provident once had," asks O'mea. "I am glad that you are doing this - letting me tell my story. It really needs to be told."

http://www.bostonerisalaw.com/archives/ … efits.html

For those who would like more detail on what the article has to say in full, without having to spend the time reading the article in its entirety, the abstract of the article is here.

http://lawprofessors.typepad.com/laborp … n_jud.html

Regulatory authorities and courts have now established that Unum/Provident Corporation, the nation's largest disability insurance carrier, was engaged in a program of deliberate bad faith denial of meritorious claims in both ERISA and non-ERISA markets.\\

Webmaster's Comments: If you cheat the government they'll come after you - but corporations like Unum are allowed to steal billions on taxpayer money and the government smiles at them. Unum will even encourage people they deny to go on SSDI. So basically they are admitting these people are sick, but want the taxpayer to shoulder the burden after they've gotten the premiums.

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SEE THE "BAD FAITH" MOVIE - ASK YOU LOCAL THEATER TO SHOW IT

http://www.badfaithdoc.com/

Over 51.2 million people, nearly 1 out of 5 U.S. residents has some level of disability. 20% are women and 17% are men. Over half of our work force, 56% of the population, ages 21 to 64, has some type of disability.

The insurance industry, and specifically disability insurance, is an industry rife with unethical practices. The crisis is rooted in the industry’s gross overselling of disability policies to younger professionals in the 1970’s and 80’s. As that population aged and its claims increased dramatically, the insurance companies began casting about for ways - not always legitimate - to cut their losses. This is not about arguing with an insurance company over your standard coverage or their prompting you as the insured to seek mediocre care. This documentary is about insurance companies’ deliberate “policy” of wrongfully black-balling policyholders, and using hardball tactics like the threat of criminal charges, paying other individuals to make disparaging remarks about the insured, pressuring doctors to renege on their diagnosis, malice, fraud, oppression, involving the Social Security Administration, the IRS and even the United States Postal Service, deposing the insured’s ex-spouse, counter-suing, stealing property and files, and finally, speaking to sources without permission and refusing to identify those sources, even in a court of law.

Commonplace in the disability insurance industry, all of these actions are intended to ruin the insured’s reputation and cast doubt on their character. In the end, it is all calculated for one purpose and one purpose alone, to cheat people out of their rightful benefits

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Here is an excellent article on HOW TO GET THROUGH AN IME (Independent Medical Exam) by one of Unum's Bought Doctors. They'd say a paraplegic could work as a carpenter, and an eye surgeon with the shakes could operate. (The latter actually happened. We'll have the transcript  soon.)

You should always fight an IME. Go to an HONEST doctor and get one of your own.

NEVER LET A DISABILITY INSURANCE COMPANY HAVE THE
CONSENSUS OF MEDICAL OPINION.

Whatever the insurance company does, you do the same. Make them look like idiots if they don't pay the claim. If they get an IME, you should get a copy of it and give it to your own physicians to comment on. You can get an IME on your own and then have a CRC write a Disability vocational report. Never let a disability insurer form the entire consensus of medical opinion. This is how you combat the IME.

Heal your life with Lori - Reiki, Hypnotherapy, EFT, Mastermind and Counseling
http://healwithlori.com/