Legal Question in Insurance Law in Florida

Disability denial - should I pursue it?

Tonight I saw the report on 60 Minutes about Unum Provident and

their policy of denying or closing claims. I am a person that recently

filed a claim with Unum and was denied. I am a person with AIDS that

was on government disability but went through vocational

rehabilitation and went back to work in 1997/98. Last November, I

had some severe emotional problems, so severe that I couldn't go to

work. When my claim was denied, I scrambled to find a way to cope

and got my doctor to prescribe an antidepressant, which helped, but

after 3 more months I left the company and moved back home to

Kansas City, where I have now re-filed for Social Security disability.

At the time, my therapist didn't think I should have gone back to

work so soon, but understood that I had to support myself.

I appealed their decision, but of course it was not changed. In light of

the new information about Unum on 60 Minutes, should I seek legal

remedy for my claim?

Any thoughts/comments are welcome.


Asked on 11/18/02, 1:49 am

2 Answers from Attorneys
Mark Lawrence

Re: Disability denial - should I pursue it?

I saw the story about UNUM on 60 Minutes. To answer your question, I would need to review a copy of your Policy, your therapy records (not every page; the important pages, information regarding your emotional problems and get dates

regarding your work, and your disbility paperwork (both times; the applications, etc. If you overnight these copies to me, I will review your case.

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Answered on 11/18/02, 8:33 am
Michael Tobin Michael M. Tobin, P.A.

Re: Disability denial - should I pursue it?

I worked with 60 Minutes and Dateline which did a similar story last month. You should pursue your rights for policy benefits kbowing that UnumProvident is conducting a dirty war against its claimants, including a number of AIDS victims. Your attending physicians support for your claim is crucial to success. If you need a referral to an experienced erisa disability attorney in your area, you may contact me at no charge.

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Answered on 11/18/02, 11:22 am


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