"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." - http://messageboard.spine-health.com/viewtopic.php?id=4270


This blog exists to make corporate companies and individuals aware of tactics deployed by UNUM and their agents to systematically cancel claims made against their Long Term Disability Plan.

The images you see are real and shocking. Let them serve as a warning to companies, individuals, managers interesting in employing the services of UNUM in the UK or US for payment protection policies.




Introduction to the UNUM Long Term Disability Scheme

"We can protect your income and help to preserve the lifestyle of you and your dependants."

This is the UNUM sales pitch which leads people to believe the payments they make will protect them financially if their physical/mental health takes a turn for the worst. How wrong one can be.

Please read my story carefully and protect yourself from a future of misery, physical/mental suffering and financial hardship. I will be naming and shaming Louise Vaughan, Stephen Brown, Stuart Lewis, Lizz Keirnan and Christine Taylor. These people employed all kinds of tactics in an attempt to refuse my claim - including advising me to take steps which would effectively make my claim null and void. Also they employed a private detective to invade the privacy of my family and I. Including camping outside my parent's house for 3 days, reporting the movements of my family, taking pictures, video and most disturbingly breaking into my car to read my private letters.

More UNUM Information

Unum Group, formerly UnumProvident Corporation, is a provider of group and individual income-protection insurance products in the United States and the United Kingdom. The Company also provides a complementary portfolio of other insurance products, including long-term care insurance, life insurance, employer- and employee-paid group benefits, and other related services. Its principal operating subsidiaries in the United States are Unum Life Insurance Company of America (Unum America), Provident Life and Accident Insurance Company (Provident), The Paul Revere Life Insurance Company (Paul Revere Life), and Colonial Life & Accident Insurance Company (Colonial), and in the United Kingdom, Unum Limited. The Company operates in three business segments: Unum US, Unum UK and Colonial. Its other segments are the Individual Income Protection – Closed Block segment, the Other segment, and the Corporate segment. Unum US and Unum UK were previously referred to as U.S. Brokerage and Unum Limited.

Wednesday, 1 April 2009

Poland NEWS - Life after layoff: a lesson in survival - Roseville Press Tribune

Life after layoff: a lesson in survival
Roseville Press Tribune, CA
At 60, Marchenkova chose to enroll at Heald College in Roseville to learn how to enter the medical field for medical insurance billing and coding. Heald College officials said they’ve seen increased growth in enrollment as the economy worsens. ...
Kendall NEWS

Putnam County budget
Charleston Gazette, WV
The county clerk’s election budget requested $188532, a $7869 increase from last year’s election budget of $180663. – County Circuit Clerks Office requested a budget of $491685, an increase of about $17000 to accommodate an increase in insurance rates, ...
Kendall NEWS

Authorities seize Bernard Madoff's 2 boats in Fla.
Secretary of State William Galvin accused Fairfield Greenwich Group of Connecticut of civil fraud charges, saying company officials were coached by Madoff on how to answer federal investigator's questions about his investment practices and ...
Kendall NEWS

Fargo businesses reopen as river recedes
Gainesville Sun, FL
He estimated the damage at between $25000 and $30000, well above the $10000 coverage in his flood insurance policy. "You go through every emotion. You're speechless, you say things you shouldn't say, you laugh, you cry. Then you're grateful," Degerman ...
Kendall NEWS

PTC could cut more jobs
Fayette Daily News, GA
If the council approves the recommendation, the four employees will be offered a severance package that includes six weeks of pay (paid out bi-weekly), medical insurance for six weeks with a COBRA option, and access to the Employees Assistance Program. ...
Kendall NEWS

RPM's Tremco Unit Acquisition Expands Its Weatherproofing and ...
PR Newswire (press release), NY
... including fuel surcharges; (c) continued growth in demand for our products; (d) legal, environmental and litigation risks inherent in our construction and chemicals businesses and risks related to the adequacy of our insurance coverage for such ...
Kendall NEWS

Journal Sentinel extends buyout offers to 200 in newsroom
Milwaukee Small Business Times, WI
The previous offer included two weeks of severance pay for every one year worked at the company, plus two weeks of health insurance and a $5000 lump sum bonus, sources said. The newest offer is declining in value. The new offer caps the length ...
Kendall NEWS

Grocery chain Marsh sues ex-CEO, cites IRS audit
Wabash Plain Dealer, IN
The lawsuit seeks unspecified damages from Don Marsh, as well as the return of more than $1 million it has been paying him in salary continuation, medical insurance and other benefits. Marsh left the supermarket chain in 2006 after shareholders ...
Kendall NEWS

Are You a Flexitarian?
FitSugar.com, CA
A vegetarian diet is chock-full of health benefits. It can help people lose weight, lower cholesterol, and lower blood pressure. It's tough for people to give up meat entirely though, so for beginner vegetarians who can't quite make the full switch, ...
Kendall NEWS

Community Listings
Kyiv Post, Ukraine
Lessons for beginners are held every Thursday at 7 pm at City Center of Health, 29 Vladimirskaya, St. www.kabbalahportal.org, tel. 331 03 61 , ( 050 ) 865 82 18 . International Baptist Church invites you to our English language worship services ...
Kendall NEWS

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