Edited by author 08-21-2008 09:52 AM
www.disabilityinsuranceforums.com/index.cfm This is a much more active forum and may give you more help than you will find here.

This looks like an old post as the reassesment is supposed to be completed.

I repaired my reassesment documents with the intent of getting it looked at after the reassesment was completed. I listed many of the places that the original claims handling fell short of what was needed for full and fair review of the claim. Pointed out where what they said I needed to have a valid claim did not agree with the requirements in the policy.

UNUMProvident did not overturn the denial but I was able to get reassesment reviewed and after the several rounds of trying to ignore questions asked by the DOI (reviewers) the rereviewed the claim and I received my back pay interest and continuing benefits.

dave61599

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Edited by author 07-02-2008 10:59 PM
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May have a source that may be looking for documentation to show that
UNUM was playing games in the reassesment.

The new finical report may be showing that UNUM is again denying claim
to make the books come out where they want them to instead of honoring
claimants that should be paid.

In my case UNUM did not send me the Reassessment notification until I
notified my DOI that was after all notification letters were supposed
to have been sent out.

I heard that there were others in the same situation.

I also heard that notification was sent out to many that were not
eligible for reassessment and had no claim as the product line was not even
covered.

How many of the letters sent were to make it look like they did what
was required but were sent to hide the fact that they were playing
games to hide they were not sending letters to individuals that had
valid issues with UNUM's claims handling?

dave61599@yahoo.com

Better get back to taking your medications. You're in a sad state and you'll never get better until you focus on what can help you.

< replied-to message removed by QT >

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and wars, in the name of business, technology, education, and job creation; weaklingness in the name of networking; financial freedom in the name of loan-dependence; in between the
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Why do the credit bureaus allow this company to report to them LTD overpayments and ruin peoples credit? This is not a consumer credit matter but an insurance matter. I think that the practice of reporting to the credit bureaus is in direct violation of the Fair Credit Reporting Act. Especially if you look into the definition of debtor as defined by the Fair Debt Collection Practices Act.

Any lawyers want to take a crack at this one?

I also would suggest 1st calling your local SS dept. to schedule the appointment ASAP specifically regarding this urgent matter. Don't let the SS phone rep. tell you that it is not necessary for an appt.

This helps hopefully reduce the wait time upon arrival after you sign-in and also gets you in their database to have your local office paper file/folder avaiable for your local SS Representative to review and or atleast continue a papertrail of new data entry created by meeting with them for this critical administrative delay.

Lastly, make sure to bring w/ you: SSA Notification of Award ltr & all SSA correspondance received thereafter for your reference during your scheduled local SS office appointment.

You need to show up at your local SS department.
 

< replied-to message removed by QT >

I received my award letter July 27, 2006 it's already October 8, 2006 and I have not received my backpay or monthly check. I call every other day to see the progress and I always get totally different answers from ssa 1-800 # I'm so tired of waiting I fill they are just jerking me around I call Friday the 6th and they told me that is was at the treasury department. And that they had payed my attorney fees which was 5300.00 dollars but they couldn't tell me how much I was going to receive every month or how much my backpay is. I wish some could help me find out how I can get some answers to these questions about ssa not ssi I have worked all my life until these last few years I got hurt. Thank you for listening and helping me.

I fought it myself, I did all my research myself. The internet has a wealth of information. Plus I had kept every letter my doctor ever sent to Unum regarding my condition. I was with out benefits for 3 months. So it can be done. Unum was rude to me.

< replied-to message removed by QT >

Brandenburg, How hard did you have to fight? Win on appeal or get legal help? Thanks

Well I had to fight unum for the same disease, make sure that you list at least three symptoms from the center of chronic disease listed on your paper work!

< replied-to message removed by QT >

Does a Psychiatrist diagnose Chronic Fatigue? I don't think so. Chronic Fatigue is diagnosed by a Medical Doctor and has medical symptoms. Yes, there may be depression, but it is an effect, not the cause. So if a Psychiatrist does not diagnose this condition, how can they say it is mental?

Unum Provident just denied my claim due to a two year mental nervous condition. My two years has expired but I have a physical problem- chronic fatigue. This problem would allow me to collect one more year of benefits. UP is saying the chronic fatigue is a result of my depression. Do I have any chance of getting the third year? Thanks

Has anybody received anything regarding the class action lawsuit? Unum was ordered to review my case back in March 2004 and I still haven't heard a word from them. Actually, they said by December 2006 they will get to my case. Is anybody getting a settlement offer? What is the deal with this class action?

Thanks

Edited by author 09-16-2006 01:41 AM
There is a hugh and I mean hugh class action
lawsuit across the county for UNIM Provident
denying disbility calims. You should contact one
of those laywers.
Let me know where you are in the country and I will
give you one of them to at least talk to.

i live in lebanon In. it is a doctors office that got a lawyer to sue me.

Where do you live? Is it the doctor’s office that is suing or a collection agency?

Dave

i dont know what to do, or what my rights are. the problem is that i had my daughter on oct. 4, 2000 and on oct.5 a doctor came to see her. i had maxicare insurance at the time. 3 months after the doctor visit my insurance company went bankrupt. now the doctors office is trying to sew me. what should i do??

Ask for a complete copy of your claim file and ask that it include all of the documentation that was provided to your employer for signing up for the disability coverage and ask that it only include the information sent to your Employer.

You may find that the form was not provided. If they do send the claimed missing document then you can have your employer to ask for copies of the other employees for the same document to see if any of them have it. It sounds like a "we found a technicality to deny you benefits and you will be unable to meet are requirements on this. You may be able to show it to be fraud by the insurance company.

Dave

I would get copies of all payments sent to UP and like you are doing have his company track down the original paper work. And I know for a fact UP does loose paperwork!! I have submitted that evidence to them. I would see an disability attorney to view my options, he would probably supeana(sorry spelling) the same paper work. Don't let UP intimidate you, and they probably wouldn't check in to missing or unfinished paperwork. I don't see them as being perfect with what I have been through. At times they have been nice and compassionate in the next moment rude and WRONG!!!! When you talk to UP I would let them know that lawyers are always an option.
I say tell your brother not to give up. It aint over till it is over.
< replied-to message removed by QT >

Edited by author 09-08-2006 10:26 PM
Help!
My brother has had a laryngectomy for stage 4 throat cancer. He received short term disability and in 2004 he enrolled for Long-term disablity with UNUM Provident. Now here is the problem. UP is denying the claim he filed because UP does not have the evidence of insurablily form on file. The boat company he works for knew nothing about giving the employee this form to fill out. Weekly premiums were deducted and sent to UP. The UP rep. said it is my brother's fault for not reading the policy and knowing what is in it. He never received the policy. HR at the boat company said Corporate is looking into the situation. Another question I have. If the LD application was received by UP and it was not complete, or a form was missing, wouldn"t they contact the new applicant?
What recourse do we have now? Do we see a lawyer who handles disability claims or what.
I would appreciate any input, discussion.
Thank you,

 
 
 
 What's this?

if a person were to owe Um money, can they actually force you to pay it? I live in a state where no one can garnish my paycheck other than the US government, or one of it's represeatives. So should this ever happen, and they say terminate my benefits and declare they have overpaid me for xx amount money, can I safely just not pay them? what can they actually do to me? having just been through a Bankruptcy myself, I know that in my state, other than taking it to small claims court or filing a lien or something like that, the debt just goes to collection, and there seems to be little they can do to collect it.

Hi, My spouse received LTD from Unum Provident for 2 years and then my spouse's SSDI was approved. We received the repayment letter and figures, etc. form UP. Since we were already in debt from losing a full-time pay income, we decided it was in our best interest to file Chapter 7 BEFORE we received the backpay from SSDI for my spouse and children. On the Bankruptcy petition, we added Unum Provident as a creditor and what we estimate we owed.(Upwards of $50,000). We were told this could not be done by many people,including those on this board, but I continued to do the research and went forward anyways hoping in the end, we would be okay.
The trustee approved our petition and we never heard from UP again. We were able to keep spouse's SSDI back pay and the kids without having to repay. (Also, had we filed a Chapter 13, we would have received he same results) From my understanding, our attorney, said that technically, no lien of any sorts can be put on a person's SSDI benefits. (unless it is the gov't., IRS, etc., but not a LTD company.) I am not advising BK to anyone, but it was in our best interest due to other medical bills, etc and the BK program is there to help those in need. We have been able to start rebuilding our credit again. Hope this helps someone.

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You need to write a rebuttal. The statement that no adequate definition exists is a lie. The Centers for Disease Control and Pevention(this is a list by the government) states that "Mental Disorders are disabling Mental disorders are as disabling as cancer or heart disease in terms of premature death and lost productivity "
What type of mental disorder were you diagnosed with (anxiety, depression, etc,) or just Bipolar? How long where you treated?
There is blood work that concluded that you did have HHV-6. But HHV-6 is thought to be present in more than 1/2 of the population. When you are not well this virus reactivates by stress related mechanisms.
Chronic Fatigue is real, the Centers of Disease Control states if you have at least 3-4 of these symptoms you are diagnosed with Chronic Fatigue "Have severe chronic fatigue of six months or longer duration with other known medical conditions excluded by clinical diagnosis; and
Concurrently have four or more of the following symptoms: substantial impairment in short-term memory or concentration; sore throat; tender lymph nodes; muscle pain; multi-joint pain without swelling or redness; headaches of a new type, pattern or severity; unrefreshing sleep; and post-exertional malaise lasting more than 24 hours. "

The argument that Unum would have is that you have been diagnosed with different things wrong with you. You need your doctor to state for EACH disease or diagnose you have a clarity of symptoms that the Centers of Disease says they diagnose people with.
Please go to this website
http://www.nami.org/Template.cfm?Section=B...ate=/TaggedPage/Tag gedPageDisplay.cfm&TPLID=54&ContentID=23037 and read about mental disorders. If you have the right verbiage in your doctors letters and your OWN rebuttal from government places off the internet, Unum can not win. One thing about Unum is that they try to play doctor. I say they should let our doctors diagnose us and pay when we are in need. They need to go afters those that are not really sick.


< replied-to message removed by QT >

  I have a pending reassment claim with Unum Provident. They led me to believe that I needed to file based solely on my Mental Illness symptoms (there are, of course, no notes in their file re: this. I later realized that that would limit my benefits to just two years, but it was too late and I was too sick to fight anything; too sick to persue legal help, etc.
   Per lawsuits thay had to reopen my claim. What are people doing to win these reassessments, esp. re: the MI two year limitation? I had and have many physical illness symptoms and diagnoses that they ignored.
   Also there was an interoffice memorandum directing two workers to review my file for other diagnoses and to contact me re: same. None of this was done.
   I have letters from my Psychiatrist stating that Bipolar is an organic disorder. I have, since my benefits stopped, been diagnosed with HHV-6 which I apparently had for 16 years to up to my whole lifetime. This causes Chronic Fatigue and mental illness symptoms. I also caught Lyme disease during the benefit period but after that stopped paying me.
   I have letters from every practitioner that treated me and from friends and my wife as to my total physical inability to work during this period. I have included documentation that HHV-6, Chronic Fatigue and Candidiasis (I am also diagnosed with this)cause serious mental illness symptoms as well as the many physical illness symptoms.
   I have also found that the DSM-IV MANUAL STATES THAT THE DISTINCTION BETWEEN MENTAL DISORDERS AND PHYSICAL ILLNESSES IS A FALSE ONE AND THAT THE PHRASE "MENTAL DISORDER" IS SUSCEPTIBLE TO MULTIPLE INTERPRETATIONS..."NO DEFINITION ADEQUATELY SPECIFIES PRECISE BOUNDARIES FOR TH CONCEPT OF 'MENTAL DISORDERS'...THE TERM MENTAL ILLNESS IS INHERENTLY AMBIGUOUS BECAUSE NO ADEQUATE DIFINITION EXISTS". Please get this out to others with MI. This is huge and most attorneys do not know about it.
   Should I send out the original physician letters to Unum? What else specifically should I not send to them of the originals?

Thanks for your help, Teak

If you provided all of the information to UNUM about how much you and your dependents were reciving then in some of the courts they are only allowed to start withholding the additional benefits but are not allowed to collect the back payments because they did it voluntarily.

It is only where you have not provided the insurance company the information where that in some cases they are able to collect the back payment. You need to have someone help you with this, that knows the rules and laws that effect this in your state.

Also make sure that the copy of the plan documents you have are from when you became disabled.

Unum has been known to change the wording they send out to get out of paying.


dave61599@yahoo.com

Hello. I became disabled in 1997 and through my UNUM LTD policy, was awarded benefits (not without a bit of a fight...). I received my full benefit until I won SSDI benefits, at which time my UNUM benefits were reduced and I dutifully sent them their check for overpayment.
Fast forward: July 2006. I receive a call from UNUM/Providence informing me that I owe them backpay from benefits my 2 children received through SSDI from 1997-present. On closer inspection of my paperwork - it, indeed, certainly looks like this should have been part of the calculation: The agreement I had to sign for them to pay benefits DOES state: "...if Social Security makes an award, UNUM will reduce my monthly policy benefit by the amount of the Social Security benefit (and my spouse and family if applicable...)..." Needless to say, I'm horrified and literally (more) sickened.

They have reviewed my case at least three times and they have had all SSDI paperwork since the beguinning of the application process (including my attorney's notes). Since I moved from GA to PA in 1999 , I've had to be in contact with them at least 4 times as well (tax changes, direct deposit issues...) - I can't believe this hasn't been picked up until now (the reviewer that called me -said "off the record..he was suprised as well..) I wrongly assumed this had already been figured in ! If my calculations are correct, we will owe them over 50K. Do I have any recourse at all ? I'm pretty certain this will do me in.

Hello, I was just wondering what takes place with Unumprovident when you change from own occupation to any occupation after 24 mths. I just receieved a letter saying that I have been approved through July of 2007 at which time my "own occupation" expires. I have been to the Mayo Clinic and have been diagnosed with Guillane Barre and CIDP and also a rare pressure palsy neuropathy called HNPP. I am using Genex to apply for SSDI, my doctor says I will never be able to work again. There is no way I can do any type of work, I have trouble sitting, standing, walking, I just worry about UP's reputation. Do they really only try to pay for 24 months? I have diagnostic and genetic testing that proves both conditions without any doubt.

i am a vietnam veteran with fibromyalgia(FMS). in researching FMS and trying to get proper treatment from the VETERANS ADMINISTRATION (VA) I found a group of "doctors" lead by DR SIMON WESSELY known as the "WESSELY SCHOOL OF PHYCHIATRISTS" that are being funded by UNUM/PROVIDENT these same doctors have stated that fibromyalgia, myalgic encephalomyylitis/chronic fatigue syndrome, gulf war syndrome and lyme disease are phychiatric disorders even through there is clear research that shows these are nerological or organic disease.


The VA/DOD CLINICAL PRACTICE GUIDELINE FOR THE MANAGEMENT OF FIBROMYALGIA AND CHRONIC FATIGUE SYNDROME ARE WORD FOR WORD THE SAME AS THE "WESSELY SCHOOL"
WHO REALY RUNS YOUR HEALTH CARE IN THE US DOCTORS WITH A "MD." AFTER THERE NAME OR THE POWERFUL INSURANCE INDUSTRY WITH A "CEO" AFTER THERE NAME.
THE INSURANCE INDUSTRY IS CONCERNED BECAUSE THERE IS NO NATIONAL HEALTH CARE IN THE US. THAY GET STUCK WITH BILL

KNOWN MEMBERS OF THE WESSELY SCHOOL OF PHYCHIATRIST
DR SIMON WESSELY
DR MICHAEL SHARP ON THE BOARD OF THE VA/DOD CLINICAL PRACTIC GUIDELINES
DR MATTHEW HOTOPE
DR K FUKUDA
DR TRUDIE CHALDER
DR ANTHONY CLEARE
DR PETER WHITE
DR ANTHONY DAVID
DR COLIN BLAKEMORE
DR ELIZABETH MITCHELL
DR STEPHEN LADYMAN

any one want to check this information "and everyone should, doin't take my word for it"THERE IS A LOT MORE .Ihave over 1000 pages of documents. GOOGLE {SIMON WESSELY FIBROMYALGIA} ALSO GOOGLE {SIMON WESSELY INSURANCE}
       {SIMON WESSELY VA/DOD} {SIMON WESSELY MOD }
       {SIMON WESSELY ME/CFS }
       {SIMON WESSELY GWS}
       {SIMON WESSELY UNUM}

I am disabled and have get just a small VA NONSERVICE DISABLITY check that i can hardly live off from.
THIS IS NOT THE WAY TO TREAT ANY ONE MUCH LESS THE VETERANS IN THE US.AND THE UK.
IF EVERYONE CAN PASS THIS INFO TO ANY WEB SITES FOR THESE DISORDERS MAYBE WE CAN PUT A STOP TO THIS.

G. JEFFRES

WOODEN SHIPS AND RUSTY CRUSTY IRON MEN USS ENHANCE MSO 437

Go to the Centers for Disease Control and Prevention. This is on the internet and it is the standards for Disease and illnesses by the government. Unum has to honor this. They use to use this page to fight there battles but I also won my disability claim by using this.

< replied-to message removed by QT >

i am a vietnam veteran with fibromyalgia(FMS). in researching FMS and trying to get proper treatment from the VETERANS ADMINISTRATION (VA) I found a group of "doctors" lead by DR SIMON WESSELY known as the "WESSELY SCHOOL OF PHYCHIATRISTS" that are being funded by UNUM/PROVIDENT these same doctors have stated that fibromyalgia, myalgic encephalomyylitis/chronic fatigue syndrome, gulf war syndrome and lyme disease are phychiatric disorders even through there is clear research that shows these are nerological or organic disease.


The VA/DOD CLINICAL PRACTICE GUIDELINE FOR THE MANAGEMENT OF FIBROMYALGIA AND CHRONIC FATIGUE SYNDROME ARE WORD FOR WORD THE SAME AS THE "WESSELY SCHOOL"
WHO REALY RUNS YOUR HEALTH CARE IN THE US DOCTORS WITH A "MD." AFTER THERE NAME OR THE POWERFUL INSURANCE INDUSTRY WITH A "CEO" AFTER THERE NAME.
THE INSURANCE INDUSTRY IS CONCERNED BECAUSE THERE IS NO NATIONAL HEALTH CARE IN THE US. THAY GET STUCK WITH BILL

KNOWN MEMBERS OF THE WESSELY SCHOOL OF PHYCHIATRIST
DR SIMON WESSELY
DR MICHAEL SHARP ON THE BOARD OF THE VA/DOD CLINICAL PRACTIC GUIDELINES
DR MATTHEW HOTOPE
DR K FUKUDA
DR TRUDIE CHALDER
DR ANTHONY CLEARE
DR PETER WHITE
DR ANTHONY DAVID
DR COLIN BLAKEMORE
DR ELIZABETH MITCHELL
DR STEPHEN LADYMAN

any one want to check this information "and everyone should, doin't take my word for it"THERE IS A LOT MORE .Ihave over 1000 pages of documents. GOOGLE {SIMON WESSELY FIBROMYALGIA} ALSO GOOGLE {SIMON WESSELY INSURANCE}
       {SIMON WESSELY VA/DOD}
       {SIMON WESSELY ME/CFS }
       {SIMON WESSELY GWS}
       {SIMON WESSELY UNUM}

I am also having issues with LTD through Unum Provident. After receiving short term and then long term payments for a total of 33 months, I receive the hate gram that my claim should have been denied and I should have returned to work shortly after major surgery. I have had plenty of medical evidence supporting my post op claim. Also have a rare disease that created many issues during my employment with corporate america. Once the victim, always the victim. I fought a torrid battle to keep my job as a maintenance mechanic, since I am a single mom wanting to provide for my children. I spent 10 yrs. on our safety team, from its origin to removing workplace fear and being one of the safest work places in the US, then I am injured at work. After receiving administrative review of my injury (similar to a firing squad, devised after I was rotated from the safety team) I had proper follow up with company physician. It was not completely healed when I re-injured the exact area at home. This released Worker's Comp. from any liability. My injury was internal and became a septic infection, almost costing me my life. There is now irrepairable damage (tissue and nerves). I now have limited use of my arm and hand, refusing amputation.

Since Family Medical Leave of Absence is for only 24 months, I was dismissed from my professional position. This gave them the avenue to finally dismiss me, since my illness and injury combine to make me unable to perform my job responsibilities.

I receive a phone call from UP 6 days after the denial (11/05) , stating my last check is in the mail (pro-rated of course). My disease is rare, finding a knowledgeable physician to treat me has been a major dilemma. Both of my physicians are no longer in this area and I cannot retreive my past medical records. The second physician worked at UF, in which I have now discovered that my medical charts have been lost, incorrect information has been placed in them and it gets worse. Recently I was admitted for testing, only to be accused of a false identity! Someone's typo is costing me valuable information. After 3 request for my chart information, which should include 30 yrs, of data, I receive 2 pieces of paper (for $10)!!

Is someone liable for this incorrect information and the misplaced data that I desperately need to supply to the so-called physician at UP?? My med. insurance does not want to pay for yet another DNA test, which they have paid for 3x. I understand their refusal. Now I am paying the price of no income, surviving on $1.50 per day for food. Any money from my 401K has been spent on doctors, meds, more doctors, paperwork tracking, fees and gas (the ultimate killer) and my monthly household bills. Do not qualify for food stamps, my broken down auto is worth more than $1500! And people wonder why sometimes you just want to choke some idiot who ignores you, leaves your needed paperwork lying on desk for 3 weeks!Then your physician is pissed off when they are "bothered" with having to complete forms repeatedly. The SS battle is being reinstated, since they admitted their physicians were not experts! I cannot affford a high profile attorney to handle all of this, or I would sue them all. Makes you wonder how many people die over this type of ignorance and irresponsibility!

Shouldn't UP be made to understand that a permanent and unrepairable impairment mean that a form should only be completed once? Or maybe once every 4 yrs? The same with a disease that is incurable, so rare that your physician's cannot agree on treatment? ARRRGGGHHH, this is so depressing and aggravating!!!

The Situation:
My son fell @ work & fractured his knee. Work comp ok dr's and P>>, 1 mo later we found a tumor was in the knee. We were sent to Mayo Clinic. The work comp has denied paying for the surgery and dr. bills. but still pay weekly benefits.What matters is that his work activities were a substantial contributing factor to his fix occurring when it did. The break did not occur spontaneously. He is a furniture mover.According to Minnesota Law, should they pay? Why should my son pay a $2,000 deductible?So along with the fall and fracture that Ross had, making it a workers' compensation injury, it made it possible to diagnose the tumor, and it had to be treated concurrent with the fracture for the fracture to heal. Workers' Compensation is approving everything, but not paying the bills

I am a teacher who has been on medical leave from my teaching position this year, because of two surgeries. Due to this my monthly check from the school system has been lowered drastically. I purchased disability insurance years ago from UNUM Provident in case I ever had to go through a time such as the one I am going through now. A lot of good it has done me. After four payments UNUM has now decided that they have a right to withhold from my benefit checks any other income that I may be receiving. So, instead of receiving $1900 a month that I have paid premiums for all these years, they are saying that I should have only received $190 a month. So, I also now owe them $6,954. The last check I received from them was in January and have been approved for further benefits since I am still under my doctor's care. I will not be receiving the benefit checks though, they are subtracting them from the amount they say I owe them. I won't be able to return to work until September, so I have no idea what I am going to do about paying my monthly bills until that time. My school check since I have been off work after everything has been held out ranges from $900 to $1000. Which is certainly not enough to live on and is exactly why I have insurance to begin with. Any others experiencing the same problems?

Here's a little update, Soc Sec Disability approved me withoug pause, What does that tell you. We are still after Unuam to pay up!

Edited by author 04-06-2006 08:06 PM
jim
I am trying to delete some posts: one I was able to. another one, #28 , would not let me (saw no option for me to delete). Also, #93, which is my email address. will not let me delete it. I esp. want it deleted b/c i had no idea my email address was out for all to see. after you have deleted these(i would if I could) could you plaese delete this post itself?
thanks very mcuh.

I sent you an email, this company is now (Effective 12-11-1986) Unum Life Insurance Company of America Phone number 800-424-2008 I believe you need to get a Consumer Protection Attorney! Unionmutual Stock Life Insurance Gina

< replied-to message removed by QT >

My husband retired from a paper mill in Ga. as a maintenance mechanical foreman. He retired with full insrance and drug benefits for himself and myself which would become sendary to medicare when old enough for medicare. The contracts states he will no longer have to pay for insurance upon his retirement in 1981 and that the company will pay the premiums. Also that this insurance is in effect untill our death. Mine to continue after his death untill my death. I have enjoyed this insurance from 1981 untill present date. Now when I am old and age 76 and have heart problems I am all of a sudden faced with a fact I must begin paying for the insurance part this year . 1/2 of premiums next year and from the second year on I must pay the full premium to keep this insurance. The insurance was originally issued by Unionmutual Stock Life Insurance Co. of Portland Maine. I do not even know if that company is still called t hat. If anyone else worked for Great Northern Nekoosa and has had this same experience and knows exactly how to fight it please Contact Superscan1@Comcast.net. Three hundred per month for insurance that my husband retired with with a promise it would be noncontributory by him or by myself for life and then suddenly planning to take it away is not right.
My husband died in 03 with full expectation that I would always have health insurance and perscription drug benefits. The insurance which was $50.00 deductabale when he died is now a $500.00 dedictable but at least pays for catastrophic occurances. The information I have says it will remain the same as when he was working. The insrance company made the rules. I did not make them and feel they should stick to them and fullfill promises. I need to know just exactly what kind of lawyer to take this matter to to get the best results. Please feel free to send me an E mail or response if you will. It would help greatly just to know I am not alone in this ordeal. Sincerely Superscan1@Comcast.net

I got the same letter about a review and IME. I suspect they are fishing for those of us who cannot stand a review. I have been disabeled for over 10 years and Unum has paid every month. I have had several examinations by their physicians, some of whom did not have professional qualifications, and my physician has been able to dispute their claims.

I am disappointed that the Unum letter is not written very clearly and as a result my be frightening to many. Come on Unum be clear with us. Communicate so we understand what you are saying.

Sorry, I left out my wife's comment. "Honey, it's a form letter. I can prove your disability 7 days a week."

I have been collect disability insurance form UnumProvident for more than 10 years. Recently I received a letter from Unum saying that they want to serve me and that if they advise me that they do not believe I should continue to receive benefits I have the right to request an IME. They use words like "our claim administration deision" will be "evaluated in conjuntion with" your IME and they provide the name of an individual and 888 number.

Their notice makes me feel like I am under attach. I am receiving 20% of what I used to make before being disabeled. I have not been able to accumuated a war chest of money to fight with them and now I fear that I will become homeless if I loose my benefit that was paid for over 20 years.

Hello to "STILL HAVE UNUM". I, too, received a letter from UNUM in mid-February just like your letter reinstating their empathy and commitment to me etc. and saying they are doing a "review of my medical records using IME Protcols" and that, too, I have the option during this time to get an IME on my own.

Keep me posted what you find out from UNUM. I have already contacted an attorney and have had a talk with my primary care doctor so we are just waiting to receive the NEXT letter from UNUM.

I wish they would just leave me alone and let me deal with my disability. Of course, as everyone knows from the amount of postings,news coverage, and lawsuits about UNUM, they are determined to get rid of us in any way they can.

Keep your chin up......I'm on tranquilizers to keep me calm.

Please contact me rbrandenburg6@cinci.rr.com .


< replied-to message removed by QT >

Hi- I am a long time Unum survivor-LOL! I've had LTD w/ despite all the denials along the way, since 2001. Spent tons on legal fees during last Unum Appeal process for them to decide that I do have physical injury causing the deficits effecting my ability to work full time and only partime with accomodations. I am in the Social security claim process-been denied all the way thru and now have taken it into Federal court. Additionally, have filed a second SSD claim for same reasons a first one per the advisment of my SSD non-Unum representative.
Since this time I last heard from Unum in August05 and just got letter from them last wk reinstating their empathy and commitment to me etc. in not so many words later on in letter saying they are doing a Medical review again and its my option during this time to get an IME on my on if the opinion of UNUMs review is differnt. But they never said what the results of their review was and what and IME I get to counter w/ if necessary to their opinions.
Anyone having insight to my posturing of UNUM would be sooo helpful and I have FW this Unum letter to my former attorney who helped me but I don't want to have to do this all over again and have huge legal fees to pay just for a liasion to communicate to Unum for me now. If anyone knows of a cheaper way to 1. find contact to review letters from Unum and give advice on options 2. online advice for those w/ UNUM ltd who's familiar w/ the long road strategies and process of UNUM in their Extended LTD claims.
 Thanks!!
Alicia

I have Crohn's disease. My phone number is 917-687-4371. Thanks for getting back to me.
 
Meri

I am sorry but that email is not working. Contact me at
rbrandenburg6@cinci.rr.com.

What is your chronic illness? What is your phone number. I don't charge to help you out but I do charge to type appeals and any extensive research. What happened to me is after 1 year they cancelled my LTD and benefits(no insurance my medicine is about $800 a month. I fought them with what they fought me with!! I will help you!
Brandenburg


< replied-to message removed by QT >

Edited by author 12-23-2005 01:31 PM
Hi Winner of Unum - I am currently fighting them. They are sending me for an independent medical examination and I think they are trying to cut me off. Can you please contact me as I have some questions. They are very difficult to fight especially when you are chronically ill. My email is bmeri29@aol.com. I would appreciate any helpful information.

Edited by author 12-14-2005 10:24 AM
To be diagnosed with a disease you have to prove you have the disease. Fullfilling your claim takes research. I am thankfull I have those skills. I feel for people who are older or do not have research or computer skills. Some of these companies know they have you, they make their letters look intimidating.

I have to say at one point My LTD from Unum was taken away. With over $1000.00 a month medical expenses (and thank GOD for samples fromt the DR), I have learned though how to fight them myself. I fought them with their own weapon. I could not afford an attorney. They do not believe in people with chronic fatigue even though you might have 20 other diseases going on. I am not saying I can help any of you but if you would like me to look at your cases I would be happy too! Please leave your emails. I will not share my name cause i dont want them coming after me again. But I will tell you, after I won my appeal they were calling me 2-3 times a month, but they DONT NOW!!!!

I am a stressout UNUM victim. I was ordered by my doctor
not to work. I asked him to give me a return to work paper.
My doctor would not allow an insurance company to change his medical instruction. Unum could care less what my doctors said. There doctors said I could work. Then my employer said I had no work available. I am 50 years old.
SSD approved me immediately - I thought I would have to fight SSA not UNUM. I received the reassessment package.
If you have submitted your reassessment package, please let
me know how that is going. This time I am trying to retain a lawyers. I'm from Louisiana and I can't find lawyers who handle ERISA cases. What are you doing different from your initial disability application?

It took two weeks from the time of application for the State of Texas to approve me for lifetime disability. I have been waiting for three and a half months for UNUM to give me a yes or no opinion. With UNUM, I will only qualify for one year of benefits as per the contract. I faithfully paid that $55 per month to them with assurances that they would be there when I needed them. I need them now but they could care less about me.

I get enough money from the state to pay for my monthly bills if I am very careful. But I don't really have enough for my meds, taxes, etc. I need that extra money from UNUM for the next few months

I am going to have to do something to get some money very soon. The state says I can substitute teach for 90 days a year, but if I do that then UNUM will say I can work and disqualify me. So I am stuck!! If UNUM is going to disqualify me, then they need to do it. Or if they are going to approve me, then do that. But being in this limbo is very stressful and doing nothing good for my health.

UNUM cares nothing about me. All they did was take my premimums for years. They deceived me and my employer. My employer was sure UNUM would help me out. All they have done is cause me grief. And forget about talking to your case manager because all I ever get is the call center.

Thank you for letting me vent.

Fibro gal, here is my experience. After I found out about all the law suits and judgements against them, I did make reference to that one day when I was talking to my case mgr. Everything seemed to go down hill from there. It's not fair to us, but it probably wouldn't help your case any to say what you are thinking. Of course, it probably wouldn't hurt either, I don't think they ever had any intention of paying these claims from the very beginning.

I am so glad I found this web site!!! Someone to vent to.
I was denied benefits several months ago, still pursueing SSD. I have had 3 past back surgeries and always returned to work promptly after each one. But, now I have constant back and leg pain and have not been able to work since Jan, almost a year now. I was told that more surgery would only make things worse because I have so much scar tissue, so I take tons of medicine every day. My cobra insurance is so high, but I have managed to keep it up so far....when it runs out, I won't be able to get my meds. I have an atty and I told him that I want their a--es nailed to the wall. Yet, I doubt I will ever get a dime out of them. I was a director of nursing in a nursing home, not some bum or coniving yahoo just out for an easy buck, but that is exactly how they try to make you feel. They sent me for an FCE--my God--what a joke that was!!! Of course, they say it showed that I should be able to work, but I wound up in the MD office 2 days later because I had not been able to get the pain calmed down to a bearable level since the test was done. These people should be run out of the country!!!! What can we do, people?!?

I'm coming up on my 24 month change in definition. I was told in a letter I would be paid until then. My claims rep states my claim will go to roundtable and that they are also doing a vocational assessment. I continue to have Dr. appointments for my conditions and forward the notes to Unum. Is there any harm in reminding them of the Multi-State claim... their continued claim of bad practices? It seems as if we have to "walk on egg-shells" when dealing with them, yet they can get away with duping the claimants. I'm tired of not being able to say what I feel.

I think they are trying to be slow in responding to the reassessments so it will not show up on the financial statements.

They are either going to bee approving some of the improperly handled claims or the the DOI's will be asking questions when complaints start coming in.

I think some of both will be happening and I think UNUMProvident is trying to delay paying out any money as long as possible and it is certain that they do not want the DOI's asking for clarification on what they are doing until they cannot delay any longer.

If you don't try it is guaranteed that you will get nothing and UNUMProvident gets to claim that your not going ahead with the reassessment is proof that they did nothing wrong.

In my case I my very well not get any benefit but I want to make them work before they get away with poor claims handling practices.

Dave

Anyone have any information on how the Unum reassessment "settlement" is helping formerly denied claimants?

We have entered the "discovery" period of our lawsuit.
Not really sure what that is but better then the lack of progress over the last 2 months.

OK but it seems i should get out while i can. I'm moving to the next state.

mcdoc it sounds like you are not a victim yet.

You may or may not need help help with your claim in the future.

SSDI can be taxable or nontaxable depending on family income.

It is taxed the same way as SS income and that information is easy to find.

Dave

and am i a victim of something?

oops, just saw this as a newbie and joined up. I receive monthly benefits from UNUM and will continue til i'm 65. I'm a stroke victim. I've already paid back the money to UNUM via the award money from SSDI. Now i get monthly checks from both UNUM & SSDI. I believe the UNUM money I receive is taxable, but SSDI money is not.

What is all this hallaballo about?

dear losing the battle -

perhaps you should talk to a lawyer about declaring bankruptcy to get out of their attempt to get money back from you. Force them to sue you for it. Ask a lawyer about that too. I don't think they can do anything but sue you for a judgement, plus I have heard arguments that the social security offset might not be legal for them. Some bankruptcies let you keep your house, etc., in many states.

I know they are capable of this and worse so I am hesitant about opening up things with them again. However, I was paid more than social security so even if they make all the offsets they still owe me money.

Furthermore, if you have an attorney who can argue that you are disabled in the future then arguably Unum still owes you MORE money, and you owe them nothing. Make it clear to them that you may be disabled again and turn it into a protracted battle about future benefits, not what they have already paid you.

Call around to many lawyers and get their free advice. Be persistent and assertive about it, and you can get a lot of free legal advice. Also, do google searches on lawyers that specialize in these areas and contact them. I also read everything I can on these web sites as there is lots of valuable information out there.

Your situation is why I am asking for other's experiences in the reassessment process.

Be glad you did not receive any disability from Unum. I was awarded disability benefits from Unum. I was paid thru Unum for 3 years and then was awarded SSD. Now, Unum says I have to repay all the money they paid me. which is a little over $34,000.00 Needless to say, I do not have any money due to medical and living expenses. I am screwed and afraid I am going to lose everything I have acquired in my 46 years. Just wanted to share.

My real question is whether the so-called settlement that produced the "reassessment" process is producing quick settlements or if Unum is harassing claimants with all kinds of tactics like they used to use? Anyone have any experience with the reassessment process or know of links to places that describe what is taking place, people's experiences, etc.?

It appears to me that this settlement is making attorneys be more willing to take these cases on so that they can earn attorneys fees. Is this true?

I have a case with UNUM that I have not pursued since it was denied in the usual unfair manner in 2002 approximately. I qualify for this "settlement" review in California where UNUM looks over my claim again.

My question is whether there are any down-sides to having them re-open my case? Is this "settlement" producing any pay-offs for denied claimants? What percentage?

UNUM might argue that I owe them money as I recovered social security, etc., and they have provisions in the plan for being reimbursed for EVERYTHING, but as it is now they stopped paying so arguably they owe me money. Could asking them to re-open my case backfire?

Please post a response here. Thanks

I am a UNUM victim and have been dropped by them approximately 2 1/2 years ago. I can not go back to work. I was approved for Social Security Disability even without an attorney. I keep paying UNUM quarterly for what I do not know. Has anyone thought about organizing a Cindy Sheehan type of sit in at UNUM headquarters? It would definitely get media attention.

Edited by author 10-19-2005 04:13 PM
Can I get a list of doctors(dochores) that UNUM has ? I have a upcoming IME. Thanks

I read you message and did not see where you are asking for comment. Just wanted you to know that there or others out here that do care

Dave

I worked for a brokerage company for 18 years loca5ted in the world trade center. On 9-11 I was on the 84th floor of tower two. The company I worked for lost 61 people, I lost countless more friends at other shops such as canter fitzderald. Miraculously, I walked too safety down those stairs. After attending 50 memorials, I attempted to go back to work. I was no longer able to function, I took some time off and realized that separation was the only medicine. I was diagnosed with severe PTSD and advised to not go back to my highly lucrative and successful career. I submitted a disability claim to UNUM. initially they were all too accomadating. but after 5 months of payments they cut me off with no phone call, no meeting and no contact with my doctors.After several meaningless internal appea;s , I am in ERISA hell waiting for the federal court to hear and determone my lawsuit.

Thanks for the reply.

It would be difficult to give you 18 months of the cliff note version of my encounters with the "company". From your suggestions, I think I've made my fair share of mistakes, but I can move on.... I have sent them every piece of information, reports, etc from every doctor visit, lab, hospital or diagnostic center from the year 2000 to date. When I initially made the claim in 2003, I collected a complete package of all documentation and forwarded it to my employer, who then forwarded it to the company. That was the procedure to follow at that time. Since the initial package, each time I see a doctor or have a test, I collect copies and make sure that a copy is sent to the company. Unfortunately, I did not send them RRR, but by fax. I kept all fax confirmations, made sure all # of pages were sent and then would call the claims rep to make sure it was received. As I stated earlier, I was initially approved under mental illness due to Fibromyalgia. It was a long battle (12 months) to get them to admit that my disability was primarily physical. It's as if they lose paperwork, or they choose to ignore certain tests. Until I pointed out some test results (which by the way, were in the initial claims package)they completely ignored some of the overlapping autoimmune conditions that have symptoms similar to MS and Fibromyalgia. Since the approval they claim all lab and radiological reports are within normal limits, even though I've sent them 8 reports showing abnormal findings.

My doctor is a board certified Rheumatologist. The fact that good doctors can file bad reports may be true to some extent. My doctor has filled out all forms that he was required to complete, each time stating I was unable to work and that my condition was permanent and prognosis fair to poor or with minimal change. He even stated that I was unable to maintain the duties of daily living. After reading your comments, I would say he makes general comments, without going into specifics. His office notes are clear, he states the problem or complaint, does his exam and shows a diagnosis, but I can't say that he states that because of X she cannot do Y. He has indicated limitations on driving, standing, sitting, carrying, such as how far, how long or how many pounds, and then just states that I have multiple condition.

As far as asking for a copy of my entire file, I never even thought of that. All I know is when they required me to go to an FCE, they refused to give me a copy of the report, saying it was company policy. They claimed that the report indicated inconsistencies and submaximal effort. For my benefit, I wrote down everything that happened at the FCE, including the fact that I was in severe back pain at he time. The day prior to the FCE, I went to the doctor and got a cortizone injection in a tender point. I gave a copy of the office notes to the PT. The PT knew I was in pain. He asked me to only do what I could. I did my best, and the PT knew it because he asked me if I was an "over achiever" and he kept reminding me that I had a right to stop, but I kept plugging along. There were even a number of tests he would not allow me to do. I made notes of everything that happened that day and how I felt the days following the FCE. I even went to the doctor who indicated in his office notes that I was in severe delayed pain due to the FCE. I called and spoke to the PT after I received the "companys' letter stating submaximal effort. I knew he couldn't tell me much, but I told him what was in the letter and he told me that whatever I do, get a copy of the report. I've had no success. I will ask for a copy of my complete file and see what happens. It will be interesting to see if they have all the documentation I sent or if they dispose certain material.

I will also get with my doctor and see if we can come to an agreement on being more specific about my condition.

What about the Multistate settlement and all the other settlements involving improper claims handling. Would it be inappropriate to remind them of their past errors as they relate to the same errors made in review of my case? I may be receiving benefits now, but I see the light at the end of the road and it seems pretty dim.

Sorry this is so long. I could go on, but I think you get the gist. I look forward to any other information. I think I'd like to write a book after all this is over.

Hey fibrogal,

You can imagine what my life is like when the only time I can get to e-mail is after midnight. Can you give me the Cliff Notes (i.e. short version) of your history with these ... (can't say dogs as dogs are usually decent creatures)...people who are willing to destroy people's lives so they can win a pizza, a $1000 bonus or some such crap.

#1 have you requested your ENTIRE FILE from Unum.

#2 it sounds like they have not cut you off yet, you are merely preparing for their roundtable. Smart thinking. However, you are not invited to their roundtable. How could they invite you to a meeting in which everyone with any real role in handling your claim within Unum is to throw in their two cents about how they could terminate your claim without blatantly showing that is their ultimate goal ?
I'll try to follow up with more soon but a few other questions - 1) do you have any information that Unum does not have which supports your claim for continued disability especially tests (radiology, blood work & physical exams, etc. that you never sent to Unum or sent to Unum & they did not acknowledge receipt in some fashion (verbal or otherwise (e.g., you sent info via mail but no response confirmation, etc.) New tests - radiology reports, doctor's notes/reports or - best of all - all of those PLUS a letter from your treating MD stating that you cannot return to work because you suffer from A,B,C,D etc. AND A prevents you from doing X (e.g. bending over because of back pain as supported by the attached radiology report from Dr. Kildare, you can't do B because your severe fatigue as evidenced by your blood tests/whatever & confirmed in the doctor's examinations of you on -give the dates.
REMEMBER, SENDING IN REPORTS THAT SAY YOU HAVE THIS, THAT OR THE OTHER THING WRONG ONLY HAVE THEIR MAXIMUM VALUE WHEN A MEDICAL PROFESSIONAL TIES THE RESULTS OF THOSE TESTS TOGETHER TO SHOW HOW THE LIMITATIONS MAKE IT IMPOSSIBLE FOR YOU TO PERFORM THE TASKS REQUIRED IN YOUR JOB. Equally important, having the doctor tie all your issues together helps rebut the attempt Unum may make where they look at your symptoms in isolation which makes you look lesS sick than you are.

Talk to you again soon. Let me know if you have any new evidence that you can submit to Unum.
Also, I know it's a pain & a little bit more expensive but try to send all your submissions to Unum RRR so you get a receipt that Unum got it. And avoid sending originals of anything. Always try to send them a copy.
A final thought before I sign off for tonight - if they call you up & want to question you - tell them that you would like all their questions sent to you in writing so that you can provide them what you need. E.G., because of my extreme fatigue I break my tasks up into small elements. In order to make sure I send you what you need, I need a detailed list of what you require AND PLEASE REMEMBER, that I do not work as quickly as I used to so I will get back to you as soon as I reasonably can. If they try to bulldoze you and start ranting about they have deadlines that you have to meet OR ELSE, send them a letter, restate what you said in the conversation about needing time to get things together for Unum, and that you understand that Unum is anxious to get this information but you are sure they will agree that is more important that they make the right decision regarding your claim, rather than the quick decision.

DO NOT LET THEM PUSH YOU INTO A CONVERSATION. JUST SAY NO !!!!, YOU ARE TOO TIRED, ETC. MAKE THIS A PAPER FIGHT SO YOU CAN WORK ON WHAT YOU SAY & HOW YOU SAY IT. YOU'LL BE MUCH MORE EFFECTIVE AND YOU'LL BE CREATING THE WRITTEN RECORD A JUDGE WILL REVIEW IF YOUR CASE HAS TO GO THAT FAR.

Keep plugging,
Phil

< replied-to message removed by QT >

Edited by author 09-03-2005 02:24 PM
Thank you for your reply. I will send a written request for ERISA documents. I appreciate all the good information. I'm sure I'll have more information to share. To share a little background, I do not have an attorney. Initially, I had telephone conferences with attorneys who would work with ERISA cases, but they said if I won, I would have to settle for pennies on the dollar and they would get 40% of the award. Since SSI approved my claim the 1st time around (before Unum), I took the chance to go it alone. Initially I was approved by Unum under psychological, but later approved under physical problems due to other autoimmune conditions and disk disease. They still consider psych secondary. Getting them to agree to that was a real challenge. Now they are getting ready for their "roundtable" and I intend to go into it with both barrels. Any suggestions on "do's and "don'ts" would be helpful.

If you do not put the request into writing then you do not get your protection under ERISA.

Your company may not even have a plan that places it under ERISA and even if they do since you say that this is an association plan this may not be covered under your company's ERISA plan if it has one. If you work for the government or for a church then it is very possible that you are not under ERISA. If your company does not have any plan for retirement benefits then it is possible that your company does not have anything to make an ERISA plan.

If you have retirement benefits then the other benefits provided by the company are also placed under the plan.

It is often the court in questionable circumstances that determines whether there is in fact an ERISA plan and who would be required to be responsible for providing the paper work.

To protect your rights if it is determined to be covered under ERISA you need to ask for the documents in writing where you can prove that you asked for it.

Do not be surprised if this goes to court that it is found not to be covered under ERISA.

FibroGirl,

A few thoughts - 1. you need to go up the foodchain in your HR dept. until you reach someone who has been in the department more than a few weeks. I would encourage you to ask for a copy of the plan in writing addressed to the head of HR. If you have an attorney, he may have other or additional ideas on how to secure the documentation you need. (Please note that I have not read all your posts, so I am apologizing in advance to the extent my suggestions do not fit your individual circumstances.
Consider this advice about going thru HR as an "educated guess".
Your other question about "roundtable" meetings is much more straightforward. According to numerous sources, and I believe alleged and presented as evidence in numerous lawsuits against Unum in all its various images (Paul Revere, UnumProvident, First Unum , etc., etc.), roundtables are meetings where the goal is to figure out the most defensible way for Unum to deny/limit benefits or terminate your claim. From what I have learned, it usually is applied to long-term claims that are likely to be very expensive for Unum either because of the monthly payment they're obligated to pay out, the length of time they will have to pay it or both(e.g. a 35 year old eligible for a monthly disability payment of $4,000 who is not likely to ever return to work costs Unum approximately $1.44 MILLION over the term - assuming this person has coverage until they turn 65). Also there are numerous other reasons for Unum to consider your case during a "roundtable", but the goal of the rountable is alleged to be "find a way to avoid paying out on this claim".
Unum is known for classifying every illness they can as a pyschiatric illness as most policies limit a payout on a mental illness claim to 24 months. This nonsense about Fibro and 'self reporting" claims is a load of crapola.
I'll try to follow up with more thoughts soon, but it is about 2 am where I live & its time for me to hit the hay.
And I'll have a chance to read all your prior posts before responding further.

I called the HR department for the employer and asked for copies of ERISA plan documents. The rep did not even know what ERISA meant, and basically told me to contact the long term disability insurer for a copy of the document? Is this a bit irregular? Also, do you have any idea what is meant by "roundtable" meetings or reviews by Unum?

I would also suggest that you get a copy of your plan documents form your employer you want a copy of the one that was in effect when you became unable to work.

You need to have all statements from the insurance company in writing if at all possible.

Any thing said over the phone you will not be able to prove what was said.

You want to keep as much as possible your communication in writing where you have proof that they received your request or information.

You also want to keep a file of everything that you sent to them with the signed receipt showing that they received it with a copy of what you sent.

Your disability benefits that you are owed are defined by the correct insurance policy and that determines whether you should be paid or not.

I think many times conditions of non payment are taken from policies other than the right one to try to get a person to not appeal the termination of benefits.

A statement by your doctor that you are disabled is not enough; it needs to tell how your condition prevents you from doing your job.

There are things you haft to do on an occasional basis just to live but the definition used by the insurance company means that if you are able to do something occasional then you are able to do it up to 1/3 of the time. If you can and do things on a very occasional basis then you need to have it listed in a manner that says what you are able to for example that a person is not asked to do the task for more than 5 min out of any hour or what is appropriate for that task.

Or for example that a person needs to be able to lie down 1/2 hour out of every hour or what is appropriate in you situation.

Dave

I have a miriad of autoimmune diseases along with Fibromyalsia. I was approved by SSI over 12 months ago due to Fibromyalsia being unable to work due to the chronic pain and fatigue. I was subsequently approved months later by Unum for psychological reasons and am currently in another review process. Unum refused to approve me for fibro stating that it is a self-reporting condition and that all self-reporting conditions fall under the 24 month mental policy. I asked my claims adjuster why fibromyalsia is diagnosed by a rheumatologist and not a psychiatrist and, of coarse, was given some bull that even though SSI no recognizes Fibro, they do not and my former employer purchased a policy which states that all self-reporting conditions are considered mental. She sent me a copy of the policy and there is no mention of self-reporting conditions. Any idea what I can expect and will the copy of the policy I was sent stand up in court should they try to force me to go back to work? My doctor states that I continue to be disabled.

The use of the wrong documents may be accidental but it does happen more often than it should and usually what I have been aware is to the benefit of the company.

It will be portrayed by the company as an honest mistake but to get the benefits that was paid for you need to have the policy that was in effect when you became disabled.

2. What did the request for information ask for?

You can say that you feel that the request for information is too broad but you will be happy to provide several more limited releases of information forms.

You can Ask for and provide the SS forms yourself but when you do not provide the release they may feel like you are trying to hide something so may dig deeper trying to find things to deny the claim.

UNUM has a lot of lawsuits against it that they would not have had if they handled claims in good faith.

IMO UNUMProvident’s claims handling practices are not in good faith even when the claim rightfully should have been denied.

I have experienced that kind of discrimination from having an active Workers comp case, and with some of the stunts the insurance companies carriers lawyer tried to pull I can understand why.

They try to claim that the company that you did any work for after leaving the company that the caused the injury should pay for the injury.


This information is not supposed to be available but there are companies that research such things as it is available and then they sell a service of checking out the person looking for a job.

I had several interviews where it looked like I would be expecting a call to get a physical but would not hear another thing from the company.

Dave

Hi Dave -

Thx for feedback!

I do not have plan documents (through employer), but I will track down.

Dave do you happent to know if Unum has been known to use "different wording" than what is contracted through employer policy?

Also, does one legally need to do a general release of all SS records in order to maintain "behaving properly" status with Unum?

Not interested in hiding anything from Insurer (presuming they behave in goodwill manner and as contracted), but am concerned about Insurer using third-parties and my data being mined and abused to discriminate me from future employment (even unbeknownst to primary Insurer (say Unum))

Do you have any insight into data safeguards or is protecting one's long-term privacy in this matter pragmatically speaking a very bad and disturbing joke?

Bottomline: Would hate to be in front of prospective employer who has bought from a vendor my data and hearing from the prospective employer: "ahh..our needs have changed thanks for interviewing with us" (but the real reason for turn-down is perceived risk assoicated with my previous health challenge. This form of discrimination, of course effectively unprovable.)

Talk about downward spiral. Very serious! Would appreciate any insights. Thx UAO!

What do your plan documents say about what can be offset?

Insurance companies have been known to use different wording than what is in your policy to be able to pay you less.

Who SS number allows for the child getting the benefit?
If it is the person that is getting disability benefit that makes it so the baby also get benefits and the policy says that direct family will have SS money offset then that is what happens.

You can ask your department of insurance if the offset is being figured right but then you will need to live with what they say. But it is better than trusting the insurance company to come up with the right figure.

Dave

Hello!

Does anyone know whether it is legal for UNUM or any LTD insurer to offset pre-existing claimant LTD benefits retroactively (or current period) based on claimant’s wife receiving (as a guardian) SSD monies on behalf of claimants and wife’s new baby. Baby born post disability (think stored sperm).

New SSD monies specifically associated with new babies SS# and mandated for baby specific use.

This seems discriminatory,effectively penalizing family for having a child and increasing families financial vulnerability at the worst and most inappropriate time. Obviously, reasonable and substantial additional expenses occurred with new baby. Can this be legal/allowed?…SSD monies earmarked to protect and help baby getting re-directed to a for profit insurer to offset a pre-existing obligation to claimant parent?

Thank for any help/insight! UAO

My Email is not hidden, If you check my profile on sites where I post that allow Emails to be shown you will find my email address there.

It is
dave61599@yahoo.com

Yes you need to be careful of giving out too much information because the chat boards that deal with UNUMProvident because they are all monitored by UNUMProvident personnel.

Dave,
I would like to tap your obviously knowlegdeable brain a little more.
Do you have an email address I can mail directly. I am somewhat hesitant to post specifics here.

Thanks,

I think that if the insurance company was UNUM Life then UNUMProvident should also be listed.
 
As far as the disability policy goes Your company would be protected by ERISA as to how your wife stopped working the company may have not followed other laws properly where the laws that were broken could have been outside of the scope of ERISA.
 
ERISA is handled in federal court while the other issues with the employer may be dealt with in state court.

Dave

Papers from the attorney name 2 defendents both Unum and my wifes employer.
What I am trying to figure out is, in the papers they are suing unum via erisa, but they also have a significant part pertaining to damages which I know is not possible with an erisa based lawsuit.
Due to the way her employer structures its relationship with unum I think they are sueing her employer outside of erisa which is what I would really like to know about.

The site I sent you to, was a site that is meant to keep employers on track. To win in court you need to do a better job of following the regulations than your employer and the insurance company. If your employer is not cooperating you also want to list them in the suit.

Sometime the employer is involved in the problems you are having with the insurance company.

UNUMProvident has a service that is called employee absence management that is supposed to help the employer follow regulations in managing employees that take off for sick leave.

In my opinion they encourage the employers to get rid of the employees before they are able to file a claim.

http://micethatroar.com/bbs/viewforum.php?f=2

http://micethatroar.com/bbs/viewtopic.php?...2ce566c44eefd0a0bc8

If I knew more about your situation I might be able to provide you with some helpfull opnions from my list of links to lawsuits.

Dave
/m4
/m18

Thanks dave, appreciate your help.
We filed against UNUM within the last 2 weeks so just want to get a blind idea of how this will all work.

http://www.google.com/search?hl=en&lr=&as_...+ERISA+&btnG=Search

Use the cashed version to see the article

There are sites to use if you want to pay to see the lawsuits, but pickings are slimmer when you are searching on free sites.

If you find a good source I would also like to know how to get more information.

Dave

I was hoping someone else would provide places to look.

Can anyone advise me of a bulletin board or web space that can give me more information on ERISA based lawsuits?

http://www.state.me.us/pfr/ins/Unum_Exam_settlement.htm

Information and documents to the settlement agreement above.

http://www.scc.virginia.gov/division/boi/index.htm

In you case it is Bureau Of Insurance the link above is to the home page that give you links to the rest of the site.

The link below takes you to the complaint page.

http://www.scc.virginia.gov/division/boi/w...oifilecomplaint.htm

The link for starting to file a complaint with VA BOI is below.

https://boi.scc.virginia.gov/boicomplaint/default.asp

Email: bureauofinsurance@scc.virginia.gov
 
Toll Free Phone (Virginia only): 1-800-552-7945
Toll Free Phone (Nationwide): 1-877-310-6560
BOI Main Phone: 804-371-9741
TDD Phone: 804-371-9206


If your letter is for may 15 2005 then I have a problem with it being used to deny you claim in court.

That is the insurance company adding to the administrative record to get the claim denied in court later than the claims file was closed.

I do not know what the court documents say but that is also part of what you need to support your position.

I did not see any mention of the UNUM settlement agreement on the Virginia BOI site.

It would have been better to have asked about the agreement sooner. So the sooner you ask about why you did not get a letter the better.

By going through your BOI You have them involved and UNUMProvident most likely will respond differently if they ask about why you did not get a letter.

Your court case was settled after the letter was supposed to be sent out so that does not take it out of the letters that should have been sent out.

My guess is the letter was not sent out as they thought they could get away with denying your claim in court and did not want to give you the chance of supplementing your record in the claims file.

Needing to go to the bathroom a lot does not make you disabled in the insurance companies eyes it is how it prevents you from doing your job.

UNUMProvident likes to take each of your problems separately and show how each thing does not make you disabled.

It is the combination of things that makes you disabled and you need information in the administrative claim file documenting how each of your conditions prevents you from doing your job.

When you agree to the settlement agreement that makes it so the deadlines for the court actions are delayed.

You need to talk to your lawyer about this but the BOI normally does not get involved when you have a lawyer representing you but you may need to get your appeal in the system and the only one that can do that is the lawyer you already had.
Trying to get included in the settlement agreement means you will not see any money for over a year and half if at all.

You should if placed on the list get to put information in the administrative claims file that better supports your right disability payments from UNUM.

Doubt if your lawyer was saying you were trash just that your claim file was not sufficient to get the courts agreement that UNUM did not abuse their discretion in denying the claim.

Dave61599

DAVE, THANK YOU SO MUCH FOR RESPONDING. MY CLAIM FILE HAD SUFFICIENT INFORMATION SUPPORTING MY DISABILITY OF IC. MY UROLOGIST WROTE A LETTER TO PLAN ADMINISTRATOR, HUMAN RESOURCE DEPARTMENT, WERE I WAS EMPLOYED. ATTORNEY TOOK RECOREDED DEPOSITION WITH SAME DOCTOR , STATING THAT I HAD SEVERE INTERSTIAL CYSTITIS AS WAS UNABLE TO WORK BECAUSE OF SEVERE PAIN, FREQUENT NEED TO URINATE, UNABLE TO SIT, OR STAND FOR ANY EXTENDED PERIOD OF TIME. RECORDED STATEMT ALSO FROM PSYCHOLOGIST. WRITTEN STATEEMENT FROM TWO RHEUMATOLIGIST AND MY FAMILY PHYSCIAN. THE MAIN REASON FOR DENIAL WAS TAKEN FROM A LETTER THAT MY UROLOGIST WROTE TO ME FOR MY OWN PERSONAL USE AND MADE A COPY FOR HER FILE. THIS LETTER WAS USED AGAINST ME. ALL THE OTHER FILE INFORMATION WAS DISREGARDED. THIS LETTER DATED MAY 15, 2005 IS AS FOOLOWS: TO WHOM IT MAY CONCERN: MS. SONIA LLOYD IS A PATIENT UNDER MY CARE WITH INTERSTITIAL CYSTITIS. SHE IS CURRENTLY UNDERGOING EVALUATION AND TREATMETN FOR THIS CONDITION, SHE MUST URNINATE VERY FREQUENTLY. SHE IS TO HAVE EASY ACCESS TO BATHROOMS. PLEASE DO NOT RESTRICT HER FROM USE OF THE LADIES ROOM. THANK YOU VERY MUCH FOR YOUR ASSISTANCE FOR THIS VERY NICE LADY. I CARRIED THIS LETTER IN MY PURSE UNTIL I RECEIVED MY CARED FROM THE INTERSTITIAL CYSTITIAL FOUNDATION. I FIND IT SHOCKING THAT THIS LETTER WOULD BE PART OF A US DISTRICT JUDGES DECISION AND INFORMATION THAT I KNOW THAT HAS BEEN SUBMITTED IS IRREVELANT. I AM A BIT OVERWHELMED AT THIS TIME, IF YOU COULD EXPLAIN TO ME A BIT MORE EXACTLY WHAT I NEED TO SAY WHEN CONTACTING DEPARTMENT OF INSURANCE. AS A MATTER OF RECORD. I HAVE ASKED MY FORMER ATTORNEY TO FORWARD ME MY ENTIRE CLAIM FILE.

This is a long shot but you might try contacting your DOI Department of insurance and ask why you did not get a letter from UNUMProvident.

It might not do any good since you already have been denied in court but if the DOI agrees you should have been sent the letter and makes UNUMProvident reevaluate your claim then it could allow you to get records into your administrative claims file that does a better job of supporting your disability.

For your information the insurance company does not consider what you have to be disabling it is how it affects your ability to do your job that is disabling so the claims file needs to support the thing you are unable to do.

The court had to feel like your claims file did not sufficiently show you were disabled to the point that it was proper to overturn the claims denial. The settlement agreement is supposed to let you get more information into the claims file to support your claim.

You need to be ready to support to the DOI that UNUMProvident did not allow for you to properly support your claim for benefits before they closed the claims file.

You may have a better chance of getting you name on the list to be reevaluated than your being able to win at appeal.

I did not get my get my letter in a timely manner from UNUMProvident so when I asked my DOI about it I got one very quickly after the DOI asked them about it.
Dave

I NEVER ACTUALLY RECIVED A SETTLEMENT AGREEMENT LETTERFROM UNUM PROVIDENT.

What was the recommendation by the lawyer on the settlement agreement when you received your letter from UNUMProvident?
Dave

I AM IN DESPARATE NEED OF HELP FINDING A LAWYER WHO WILL TAKE MY CASE AGAINST UNUM PROVIDENT CORPORATION. I HAVE ONLY 30 DAYS IN WHICH TO SUBMIT TO AN APPEAL TO FEDERAL APPEALS JUDGE. I WAS DENIED BY A US DISTRICT JUDGE FOR THE EASTERN DISTRICT YESTERDAY 7/14/05. I AM FROM FREDERICKSBURG VIRGINIA. I SUFFER FROM INTERSTIAL CYSTITIS,FIBROMALYGIA, CHRONIC FATIGUE SYNDROME, DEPRESSION, ARTHRITIS, IRRITABLE BOWEL SYNDROME. I WORKED AS A COMMERCIAL LOAN OFFICER FOR VIRGINIA HEARTLAND BANK IN FREDERICKSBURG VIRGINIA FROM AUGUST 1992 UNTI FEBRUARY 15, 2002. MY INSURANCE PLAN WAS AN ERISA SPONSORED PLAN. PLAN SPONSOR WAS VIRGINIA BANKERS ASSOCIATION LOCATED IN RICHMOND, VIRGINIA. I HAD MONEY TAKEN OUT OF MY PAY EACH WEEK BECAUSE I TOOK THE HIGH OPTION {70% INCOME REPLACMENT, 60 DAY ELIMINATION PERIOD} MY YEARLY INCOME WAS $43,500.00.
LUCKY FOR MY FAMILY AND MYSELY I WAS APPROVED FOR SOCIAL SECURITY DISABILITY DATINNG BACK TO JULY 2002. I RECIEVE $964.00 MONTHLY. NOTHING TO WHAT I SHOULD BE RECEIVING. MY ATTORNEY WON'T GO FORWARD WITH MY CASE TO THE FEDERAL LEVEL WITHOUT $30,000.00. UP FRONT. I DON'T EVEN HAVE $300.00. MY FEE AGREEMENT WITH HER WAS HALF OF WHAT EVER BACK PAY I MAY HAVE WON AND ONE-THIRD OF ANY FUTURE BENEFITS. UNUM DID OFFER TO SETTLE FOR $75,000.00. I REFUSED AFTER MUCH ENCOURAGING BY MY ATTORNEY . I WOULD ENDEDUP WITH MAYBE $35,000.00. I WAS ONLY 41 YEARS OLD WHEB I BECAME UNABLE TO WORK. I FEEL REALLY LET DOWN BY MY ATTORNEY. IS THERE ANYONE YOU CAN RECOMMEND. PLEASE DO NOT RECOMMEND ANYONE FROM THE LAW FIRM OF BEN GLASS & ASSOCIATES LOCATED IN FAIRFAX VIRGINIA. MY FORMER ATTORNEY JULIET PURLL IS WITH THIS FIRM AND SHE TTOLD ME FROM A FININCIAL STANDPOINT THAT IT WAS NOT WORTHWHILE TO PURSUE MY CASE. SHE JUST AS WELL TOLD ME THAT I WAS A SACK OF WORTHLESS SHIT.

Unfortunately many people covered by disability insurance with unum or one of its companies - Unum Life, Provident Life, Paul Revere, etc, or other companies whose claims are being "handled" by unumprovident, e.g., New York Life end up with no benefits despite the fact they should collect. In many cases, people do not understand the importance of the information submitted, especially from their own treating physicians. Many times it appears that the isnurance companies decide to deny the claim then work backwards to justify that decision.

Hi all,

Im currently having problems with Unum myself :(

I live in the uk and my employer has a PHI policy with Unum.

Back in 2001 I had a car accident that damaged my spine. following the accident I have had 2 operations on my lower back and over 18 month of physio.

I have had 2 IME's done, 1 for my car accident claim and another by my employer, both agree with my 3 treating doctors that I am unfit to continue in my present job due to the medium to heavy lifting involved.

Unum were provided with all the medical evidence from my own doctors and the 2 IME's but still requested that I go for a IME of there own. This is where it all went wrong :(

First off the IME was performed by a physiotherepist and not a doctor. His entire report gives a totaly different fictisus (spelling)job description to my own and totaly contradicts the opinions of all my other doctors (3 of my doctors are trauma experts).

Needless to say Unum sided with there "quack" against my claim, and I have now lost my job as a result :(

So the legal battle has now started and from the looks of this im not the only one who has had to go through all this.

please unsubscribe me



  
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< replied-to message removed by QT >

I have a miriad of autoimmune diseases along with Fibromyalsia. I was approved by SSI over 12 months ago due to Fibromyalsia being unable to work due to the chronic pain and fatigue. I was subsequently approved months later by Unum for psychological reasons and am currently in another review process. Unum refused to approve me for fibro stating that it is a self-reporting condition and that all self-reporting conditions fall under the 24 month mental policy. I asked my claims adjuster why fibromyalsia is diagnosed by a rheumatologist and not a psychiatrist and, of coarse, was given some bull that even though SSI no recognizes Fibro, they do not and my former employer purchased a policy which states that all self-reporting conditions are considered mental. She sent me a copy of the policy and there is no mention of self-reporting conditions. Any idea what I can expect and will the copy of the policy I was sent stand up in court should they try to force me to go back to work? My doctor states that I continue to be disabled.

J Spiegel,
Sent you and email and never heard anything is this email correct?

I am happy to try to answer questions or give some guidance as to disability insurance claims. I used to post messages on the old Duckworks board. I am an attorney and I handle both erisa and non erisa disability insurance claim disputes. My email address: Jspiegel@bellsouth.net

My wife was denied her disability policy.
Its an erisa policy.
The erisa value of her policy is Aprox. 1.5 million.
In the next 20 years her medical prescriptions ALONE will cost 1.8 million. (thats retail value from a major chain based on her prescription cost 6 months ago and it rises every few months)
If she wins her legal battle wont she lose her Medicaid. Therefore in effect we are losing out if we win on her legal battle.
Any suggestions?

I want to thank Jim Mooney, providing this site and the newsletters he sends out.
Below are other sites he is responsible for.

Dave

http://micethatroar.com/bbs/viewforum.php?f=2

http://www.micethatroar.com/

http://www.corporatecrimefighters.com/

I try to help others that are having problems with disability insurance. This is just one of the forums that I post on.

It helps if you send things into UNUMProvident in a manner that you have proof that they received your documentation.

If the request for information is not in Writing the insurance company can treat it as if they never received it.

You need to be able to prove that you sent the request and that they received the request to even be eligible for the fine.

Then it must be taken to court and the judge determines how much of a fine is due if any.

Once you have a bunch of signed receipts than you are getting documentation of mishandling of the claim.

They have 30 days to respond after receiving the letter before the fine starts.

Dave

Hello,

Thank you so much for all the work you put in on the website. We found it VERY informative.

I cannot begin to tell you the sense of hope that was restored when we found out that we are not alone and that we weren't crazy to believe that something just wasn't right throughout the claims process.

I guess I'll go ahead and post a brief version of our story here, for the record, and so that others can perhaps learn from the knowledge that we have gained over the past several months.

Basically, my mother has a degenerative spine and joint condition (The official diagnosis is on the Doctor's narrative and I don't have it here at the computer right now) that is VERY serious and two bad valves in her heart and I've been hauling her around to doctors and specialists for months now several times a week all over the state for test after test after test.

She has been declared medically unable to perform her job by one MD and two orthopedic surgeons, and she hates this because she was making a a good living at her job and and had all sorts of perks and benefits, along with repsect and accolades from her peers and coworkers.

She loves her job and worked her very hard to get where she was, but she simply can no longer walk without excruciating pain. It's painful to watch.

Anyway, regarding Unum Provident...well....let's just say I never knew of or believed in the concept of true, unadulterated "evil" before now.

Essentially, they know they have to pay her claim, so they have these "adjusters" and "consultants" that look for creative loopholes in order for them to bail and deny her claim.

My mother is literally suffering a nervous breakdown through all this and so I have to take over "negotiations" with Unum Provident, her insurance carrier.

The entire experience in my dealings with Unum Providence has reminded me of a bad episode of the _Twilite Zone_.
 
Imagine that you are arrested for a crime you didn't commit and presumed guilty until you can prove your innocence and then, add to that, the DA keeps adding new charges every day (whatever he can pull out of his ass) , refuses to let you post bail and keeps fabricating evidence that would convict you and destroying evidence that would exhonerate you until, eventually, he finds something that sticks.

This is the way of the insurance claims adjuster; a sort of religious cult of subterfuge, doublespeak and half-truths that defies reason and logic.

I swear, when I talk to them on the phone, I get some sense of an Orwellian nightmare and that everytime you nail them to the mat using their own language and procedures, THUNK-THUNK, down the tube comes a new policy, conveniently altered and applied retroactively.

They have anhilated every plausible ethic known to me, and a few that I never thought possible. They have lied, deceived, destroyed, harrassed and violated state and federal laws on so many occasions now that it's actually starting to become entertaining.

Who do you run and tell? Well, you could complain to any number of regulatory commissions, but at the end of the day, they really couldn't give care less. The states are cash-strapped doling out for federal mandates, and Unum Provident likely has no choice but to make record contributions to politicicians from both parties in order to kleep from being overrun by an angry mob with pitchforks
and torches.

We did complain to the Mississippi Insurance commission, but they simply sent us a one-page form and really gave us nothing but vapid overtures and false empathy. They did mention that they had recorded fifty-three LTD complaints regarding Unum Prov from irate consumers, but they said nothing about what sort of action had been taken.

As I mentioned before, my mother is almost incapacitated by all of this and I have been having to act on her behalf and speak with our second "customer care" rep.

Their latest gambit was claiming that we had to get the second orthopedic surgeon's diagnosis/narrative in before they would review the claim and render a decision and get my mother her money. Keep in mind, they now owe her around $50k and this is accruing at a rate of over $8k amonth and subject to an interest penalty of 1.5% because they have violated their own policies and run out the clock.

So the last request for more information takes another month for them to get it acknowledge they have received it and put it in their system.

Then, once they get the report and see it does not provide them with a way out, they tell me that it wasn't turned in on time and that they would be disregarding it. I faxed it the same day they asked for it and if there was a clerical error it was theirs to be made. When I pointed this out, the woman ACTUALLY TOLD ME that they weren't responsible for their own errors!!!

Was that Rod Serling I just saw???

So I point out in the policy manual where we have complied at every turn and expeditiously provided them everything they have asked for within 24 hours of their request. Then she tells me that the customer policy manual isn't a legal document, even though it is actually called such, is assigned a unique policy number, and signed by two of the officers of Unum Providence.

So I do what anyone would have done, I asked her to send me a copy of the "legal policy" so that we could both be playing by the same rules and on the same page. Saturday, I get the "official" policy I requested in the mail.

And wouldn't you just know it....It's the policy handbook I already have, but now with the cover and the title page removed.

These are just a couple of examples of the litany of petty, virtually juvenile (though HIGHLY effective) BS the hurl at us everytime either of us speak to them on the phone.

We've been called liars and worse when we simply questioned why we hadn't been mailed anything but an initial letter with a little card with our claims rep's name and number on it.Our rep was extremely combative and abusive when we asked a simple question, then when she finally pulled up the letters sent, she backtracked again and made it seem like it was our fault.

I checked into it and am fully aware of what sort of database they are using, Microsoft had a press release on their website boasting effiency increases in terms of percentages and explaining what the previous challenges were when Unum Provident dealt mostly in paper. Apparently they scan *everything* in now, so when they tell me that they never received something or have no record of it, I know that they are outright lying now, especially when I mail or fax the information personally.

I'd be here all day if I went into everything that Unum Provident has done to us. I do believe that is part of their "stratagem," to muddy, confuse, obfuscate and misinform to such a degree as to make it impossible to understand it when they lie or simply make you go away.

One final example: Throughout the entire process, my mother's claims adjustor has been telling her that there is no medical evidence to support disability, even before the adjustor had received all of the information they had requested or my mother had been to an IME.

At first she said that my mother was denied, but when we asked when we'd be getting the mandantory written notice, the very next monday she said that she hadn't beem denied, but once again said that my mother only had "a mild form of rheumatoid arthritis, depression and perhaps fibromyaligia."

Just out of morbid curiosity, I'm wondering what makes these people feel so much at ease making their own medical diagnosis based only upon information that they want to see?

And what federal agency has jurisdiction over them?

Isn't it about time they get some hearings going? So many people couldn't just be making all of this up! (Although, to hear Unum talk about the people on the 60 Minutes and Dateline reports, you'd think all of them were crazy as well.)

And finally, only 2% of LTD claims are denied?!?!

GIVE ME A BREAK!! I would trust Michael Jackson to babysit my kids before I'd believe a single word that Unum Provident has to say about anything at this point.

Warmest Regards,

C.T.

IM BACK!!
After months of meeting with lawyers and so forth I have decided to post again.
Quick overview-
My wife worked for a major company. She was diagnosed with Multiple Sclerosis.
Unum then decided the liasions on her brain and spine were not MS. But merely depression and stress....right...
Well after months of exhausting appeals and a final decision of no...we decided that just for the fun of it we would call and ask to get a new claims advisor and submit ALL of our information at once.
So we did!!!
The new claims advisor read everything *all 14.5 pds. of paper work and .....
APPROVED HER FOR IMMEDIATE DISABILITY!!!! and stated that she would be approved for long term disablity due to the nature of the type of MS she had and the doctors recommendations, when I say stated they MAILED us a letter saying this.
Nonetheless UNUM then sent a letter stating that they were incorrect and their original assesment stood.
So UNUM when you read this...and we all know you do.
My attorneys, my wife, and a man on a pale horse are coming for you.
And I promise you that I will spread the word of your actions to anyone and everyone that will listen.

Maybe with all of the reevaluation of claims on all of the DOI's watching what happens maybe they have overlooked the timing or are trying to make the numbers look better.

What they are thinking and doing is anyone’s guess.

Dave

I wanted to ask one more time-in case someone sees this that did not before. I have been receiving payments from UNUM 25 months now. Last year (early) they started my review for any occupation, and besides a phone call in the fall, I have heard nothing form them. Has anyone here had the experience of being terminated at the 24 months "own occupation " cut off? And what usually happens? I will of course appeal if terminated, but why are they letting it go past the 24 months? Obviously this has gotten on my last nerve, but I will not call them. Is this just some sort of psychological torture?

I do not know enough about your situation to know where you need to go with this.

SS has some rules that may take into account some of the problem.

Is the income form UNUM taxable or not? If it was paid with money that was already taxed then it is most likely not taxable income but if it was paid for you by the company as a benefit then it most likely is taxable income.

SS is only partially taxable income that varies for 0 to 80% depending on the family income.

Your SSDI will be taxed just the same way as SS is taxed.

Knowing that bit of information lets you find information on how to figure the taxable amount of your SSDI Benefits.

Filling out our taxes has become much more difficult sine I have been receiving SSDI but it has been a very big help to us.

dave61599@yahoo.com

Taxes - Hello. <sigh> - the saga of UNUM never ends.

This is my first time posting - though I LOVE this site. Its so needed.

Can anyone help with UNUM taxes. I get SSDI and UNUM checks -- now its tax season and apparently I owe a small fortune because UNUM checks/money are not taxed.

Is there anyway to get relief from this? Just feel like your screwed no matter what this this company - already gave them 12K in SSI backpayments --3 of which were in my families and kids name -- UNUM doesn't care -- took it all. And NOW I have to pay taxes on the UNUM checks -which is 10K in my case.

I pray there is something that protects disabled people ( younger I'm 37) -- since being on SSDI does crap for me at my age and income -- well above 35K- 50K etc. combined.

Please help if possible.

Thanks Scott..

You should have a chance to file an appeal if they stop benefits and may need to file an appeal before you can file suit.

They need to say why you are no longer disabled and as you know the definition of disability changes at the change of own to any occupation so it is much harder to show that you are unable to do any occupation.

If you had a good paying job and now can only do a low paying job many plans take that into account.

You may event need to try working in a low paying job and then they would need to pay you a percentage of your benefit to help make up for the loss in income.

You need to know what your plan documents say as that is the best way to provide the documents to the insurance company that show why you are still disabled by the new definition of disability.

For some jobs there is not much difference between own occupation and any occupation on other jobs there is a big difference.

Dave

I am guessing that your plan is probably covered under ERISA.

You want to have a copy of you insurance plan to see how the offset is worded so that you can figure out what needs to be paid back.

If your disability plain was gotten through your Employer then most likely it is covered under ERISA and that is federal law so the issue will be treated just about the same in all states.

They have been known to say there was an offset when in fact there should not be.

If the LTD plan Has SSDI offset then the insurance company has the right to get the money back. There are laws that limit how they are able to do that.

You need to know your situation and what you want to risk when you chose not to pay it back.

One thing that can make it look like you want to deal with in good faith is offer to pay part of it back and have them withhold part of what they pay you out of each check.

Once you pay it all back you do not have any bargaining leverage left.

If you do not appear to be trying to be reasonable then they may do things that make it more difficult for you.

If it would go to court you want your actions to appear reasonable to the court and the insurance companies action to be unreasonable.

Dave

Do you know how it works in Indiana as far as the SSDI backpay and unum trying to collect it when its been spent on bills? I fought for every penny of my disability benefits from Unum. They caused me so much stress, I to have binders and binders of conversations I have took notes on and all corespondence between myself and UNUM. I just can't imagine handing over the backpay so easily.

Just always try to be honest and you will be able to explain how they were able to see you doing what ever they claim they see you doing. It does not pay to spend your life letting the very remote possibility that you have an investigator watching what you are doing to try to find you doing something that the insurance company can try to use to deny you benefit.

The point is if you are watched it will be for a very short period of time and unless you see something that looks suspicious I would not even try to look for it.

You are more apt to be being cased by a theft ring than being investigated so a call to the police is warranted if there is unusual activity going on in the neighborhood.

Even if it was an investigator they may be investigating someone else


Dave

Thanks Dave for your reply.

 How would I know if I am under surveillance? What signs or actions should I look for?(besides unfamiliar cars lurking around!) And what exactly are these investigators looking for?

Thanks again

In Tag Surveillance more than one investigator is involved.

You could think of it as a relay race, it makes it harder for you to know that you are being continuously watched.

On trick is to know where you are going to be going and watch you go to that appointment they scheduled for you to be at.
Dave

Edited by author 02-10-2005 12:22 PM
What is a "TAG surveillance method" that is mentioned in one of the articles? How would or does an insurance company do this? Also an activities check, what is this and how can they obtain this legally? Please let me know as I am in the midst of an appeal for LTD benefits(under ERISA Plan)and want to understand how this is done?

Thank you for your time

i am very new at this. i am like everybody else on this site.. i am trying to figure out how to collect my long term disabilaty ins. from unum. i had appealed my denial on my claim and was denied the appeal on 1-7-2005.i'm at a loss as what to do next.i see where unum is having to go back and reassess all of there denied claim and i was wonder if i will be included in that since my claim was so recent. anyone with any kind of information as to what i can do next i would appreciate hearing from u. i live and worked in the state of mississippi up until i became disabled.

i am very new at this. i am like everybody else on this site.. i am trying to figure out how to collect my long term disabilaty ins. from unum. i had appealed my denial on my claim and was denied the appeal on 1-7-2005.i'm at a loss as what to do next.i see where unum is having to go back and reassess all of there denied claim and i was wonder if i will be included in that since my claim was so recent. anyone with any kind of information as to what i can do next i would appreciate hearing from u.

http://www.state.me.us/pfr/ins/Unum_Exam_settlement.htm

LANDMARK MULTI-STATE SETTLEMENT TAKES EFFECT
NATIONAL REMEDY GRANTS CLAIMS REVIEW FOR THOUSANDS

NASHVILLE, TENNESSEE: At least 40 states have ratified the landmark multi-state settlement agreements involving three major disability insurance carriers owned by UnumProvident Corp. of Chattanooga, insurance regulators announced Tuesday.

Under the multi-state agreement reached in November by insurance regulators in Tennessee, Maine and Massachusetts, acceptance by two-thirds of the participating states makes the national settlement effective and triggers implementation of the settlement’s Plan of Corrective Action.

Unum Life Insurance Company of America, Paul Revere Life Insurance Company, Unum National Insurance Company, and Provident Life and Accident Insurance Company now have 15 days to notify more than 200,000 qualified claimants of their right to seek re-assessment of claims denied or closed since January 1, 2000, for reasons other than settlement, death or reaching benefit maximums.

``Throughout this process, we’ve worked with our fellow state regulators nationwide towards a national settlement that is fair to policyholders and claimants – past, present and future,’’ said Maine Insurance Superintendent Alessandro Iuppa.

Re-assessment of claims is also available to those who request it for claims similarly denied or closed between January 1, 1997, and December 31, 1999. The companies also must modify claims handling and benefit determination practices as specified in the agreements, improve accountability and oversight and enhance corporate governance.

``We will enforce the terms and strict timetables in the agreements, and keep our colleagues aware of all developments through the National Association of Insurance Commissioners,’’ said Massachusetts Insurance Commissioner Julianne Bowler.

The companies also will pay a fine of $15 million, which will be divided on a pro-rata basis among the signatory states based on the long term disability income insurance premium in each state as of December 31, 2003. If the companies fail to meet the terms and deadlines of the Plan of Corrective Action set forth in the agreements, a substantial fine ($145 million) will be imposed.

``We have 40 signed agreements in hand and three states who have asked for extensions,’’ said Flowers. ``We’re looking forward to the successful re-assessment of claims as called for in the corrective action plan.’’

The complete Examination Report, the settlement agreements and exhibits are online at www.maineinsurancereg.org; www.state.ma.us/doi ; or www.state.tn.us/commerce. Unum claimants can contact the company at www.unumprovident.com or call 1-866-278-4641.

The Bureau of Insurance is part of the Department of Professional and Financial Regulation, which encourages sound ethical business practices through high quality, impartial and efficient regulation of insurers, financial institutions, creditors, investment providers, and numerous professions and occupations for the purpose of protecting the citizens of Maine. Consumers can reach the Bureau through its Web site at MaineInsuranceReg.org; by calling 800-300-5000 in state; or by writing to Bureau of Insurance, 34 State House Station, Augusta ME 04333.

I had no idea others were fighting with this company. I have been forced to resign and still wait for Unum's LTD "decision". Meanwhile I deal with ever deepening depression increased by financial stress. I truly am in need of vocational rehab, but with no supports sometimes suicide seems the only out. There is good inormation on your site I will try to heed it. Thanks

Edited by author 01-07-2005 10:37 PM
There is some question about the legality of the reimbursement agreements. You are forced to sign or have your benefit reduced to almost nothing if you don't. If it is not mentioned in your plan documents that you were provided at the time your coverage started it might be an extra contraction agreement that is not approved by your states department of insurance.
 
I am only a denied claimant so only use my information to find out how the issues will be treated in your state. Each state has different insurance laws and approved wording of policies. Always try to get a copy of your plan documents from your employer first if possible, if you have a group plan through your employer.

Dave

You defiantly want to look into placing the overpayment on the bankruptcy sheet or the bankruptcy court may inset that you need to use the back payment money to pay your other bills while UNUMProvident takes the money away from you.

Get your bankruptcy judge involved in the dispute and you may have a lot less problems.

You may be able to show that any delays in receiving your disability benefits have cost you ? in penalties resulting in a much lower amount that is ruled that is owed back to the insurance company.

Dave

Dave,
We did sign the reimbursement agreement. We had no choice at the time, it kinda felt like an ultimatum instead of an agreement. At the time, we did not read the fine print. I had no idea children's benefits could be subject.
We received the policy at the time of LTD. Ive went back and read the policy. The offsets state it is "Direct Family", so I guess that includes everyone in our house.
I believe you are correct about the offset of attorney fees regarding the SSDI. Although, this attorney does not handle the Disability part, but he did say he could write them and ask for a reduction, of course it will be another attorney fee and probably a percentage of the reduction if successful.
Our BK attorney, says to add them as an Amendment to our Chapter 13 since we have not had the hearing yet. If contested, he may have to reseach this further if the LTD company contests it. Which I am sure they will. I didn't know who else to talk to about this. I didn't know if anyone was successful with an LTD being added as a creditor in a Bankruptcy. This board seems to have some very useful information. I alot of what I didn't understand, I understand now.
Thanks again for responding so quickly.

There are a lot of issues to consider when in your position. Depending on your documentation and or documentation that you are able to ask for and receive my change your best course of action.

What does your policy say? What all is offset by the LTD policy?

If you have not signed an agreement to pay back the overpayment then in most cases it is very hard to against the law for them to try to collect it from your back payments.

Not paying the amount due back is not something to do lightly but do not rush into it as once you pay them you will not be able to get any of it back if you paid them too much back.

Any expenses that you spent to get your SSDI benefit can usually be taken out of what is due back. Make sure that you have the right plan documents LTD policy before you pay them back. The Policy that was in effect at the time of the disability is the one you use in most cases.

Dave
dave61599@yaho.com

Finally we have received a check from SSDI for retroactive benefits and the children's checks are on the way. Unum Provident is requesting any overpayments back. We have already had to file Bankruptcy due to my husband's disability, although we have not had the final hearing yet. Does anyone know if Unum Provident can be listed as a creditor? Our LTD will cease once the first LTD check arrives because the SSDI check will be higher than the maximum LTD benefits and there is no minumum payment in our policy.
One final question, if the overpayments are not dischargeable in Bankruptcy, has anyone experience the wrath of UP. Will they sue, collection agency, liens, etc???
I would appreciate any comments.
Please note, we are not purposely trying to get out of paying back the overpayments, but due to stopped payments, late payments, only 60% of income, high medicines, has caused us to file for Bankruptcy. My thoughts are that we may need a cushion for future medical bills and medicines, etc. due to our credit being ruined for the next 7 years.

Hi, I have been watching your web site and have throughly studied Dr. Judy's case. I hope she is doing well. I read hundreds of pages about her and I feel like I know her. I too am a victim of UNUM Provident. They paid me benefits long-term for about ten months. Then they changed my case manager and said I was pre-existing. I provided them documentation and even appealed. They denied my appeal. Now they say that I am responsible for the overpayment of $19,000.00. I don't have it. I have exhausted all of my resources and am broke. I have contacted a couple of lawyers but I cannot afford one and the other won't call me back. I read about the settlement today. How will this affect me? Do I need to contact UNUM? Who do you contact to follow-up on this and say "Hey! Me too!". I was being hounded by a collection agency on their behalf but now all of a sudden they have stopped. Does this mean that they will re-evaluate my case? And if they do, will they be fair about it this time? If they aren't what then?

Any information would be most greatly appreciated. Thank you in advance for your time and consideration.

Is there a chance that Mr. Spitzer might open up Hartford disability claims as he did Unum? Myself and many others have been wrongfully denied benefits from this company, even though we were approved for SSDI.

I have been getting disability from Unum Provident since November 2003. I applied for social security disability this past June and was approved. I will start getting payments beginning in January. My first check is for the month of December. I knew that Unum would deduct the amount of social security payment and pay the difference. What I did not realize is that they would start deducting in December. I do not get the check from social security unitl January, however, it is for the month of December. Unum already started to deduct their payment. I received payment on Nov. 30 for Nov. 1 - Dec.1. They deducted the one day from December. So at the end of December I will receive only $400. Is this accurate? I expected the deducted amount in January, not December. I am behind with all of my bills, including my rent for one month. I cannot even afford my health insurance anymore. My husband and I are separating so I can apply for a medical card. My cobra has gone up by $100, and the coverage has decreased. My husband makes a little over $7 an hour and that puts over the limit for any type of assistance. My question is this true that Unum can decrease my payment in December, even though I don't actually receive any money form SSD until January?

The multi state review has them being much more careful about how they go about closing claims.

They best thing you can do is try to get to the place where delayed benefit checks will be less of a problem.

Trying to fix something before it is broken, is sometimes like trying to hit a target while you are blindfolded.

It is apt to cost you more and might even end up and give the insurance company ammunition to use against you.

Dave

 Laughing@you-- GET A LIFE---- NO BETTER YET GET A JOB!!!

 At one time I belived that people that were cut off from benefits were most probly fradulant people,hence I really didn"t give a big sh--!
  But my father has worked for fortune 500 companies for the past 38 years. Then he became disabled due to 3 heart operations {2 heart attacks-P.V.O.}
1 stroke,problems with his heart rythem so C.I.D. installed+ blood clot in chest which causes his arm to swell and some pain. Alslo due to his damaged heart,He suffers from CHF.can hardly walk. Yet thoese people that he have been paying foy years to protect him {UNUM} Well guess what?
 Even informed him that the fact that he was awarded S.S. didn"t mean anything. That due to his high education ******[GED}**** that he should be able to obtain a Job paying at least $22.50 per hour. which of course means that he no longer qulifies for benefits
These people need to be ashamed of themselves!

  By the way my father has raised 5 kids Has 9 Grandbabies
Two of us served in the milatary,My brother is serving now,Two went to colledge and as dad says 1 is a bumb,
Also Mom says that Dad has not missed more than 2-3 days work in his life.
So I sort of resent the premiss that people whom getting SCREWED are just trying to get something for nothing!

what happened to the us-cib discussibg page

and why no post on yahoo since 8/31/04???

i need help fighting unum

Laughing@you, you probably work for an insurance company. You and your co-conspirators use criminal tactics against people their corporate bosses have injured. If our government hadn't been replaced by interlocking corporations, an honest criminal justice system would put you sick creeps behind bars. Honest taxpayer my ass.

For someone to post a message that says a person is a lazy jerk without knowing the facts IMO is someone that is involved in a scheme of defrauding claimants benefits not matter what the facts are and is trying to make it look like what is being done is right. It is just more proof that the claims that an insurance company is doing the bad faith actions that are being claimed that they do.
dave61599@yahoo.com

One of the problems with our system is that hospitals let people like you with psychosis out to early.

You guys are some of the laziest get rich and do nothing scum on the planet. Go back to work and quit trying to lawsuit your way through life. If companies like Unum Provident paid you cheatin dogs then honest people like me couldn't afford insurance. Go back to work you jerks. Your website is nothing more than a guide to insurance fraud techniques for the habitually lazy.

PS, the good doctor that got a 31 million dollar retirement plan because he opened a policy and lied like a dog to set the insurance company up STOLE that 31 million from people who really need help. Lazy jerks.

I believe only about 1-2% of cases are discussed on the internet. People are first going through so much that they can only think about themselves. What I mean is that they are busy trying to get an attorney and just deal with their disability. Second, a lot of people are probably afraid that Unum will use statements made against them. Frankly, I hope they see my comments, I have always used my complete name. This company has put me through hell. I lost my house, was forced into bankruptcy (which has ruined my credit) and has caused me additional medical problems. All of us must do all we can to let the public be aware of what they are doing. I would bet their are thousands and thousands of cases that Unum has denied because of the loopholes under ERISA. The laws must be changed to protect people like us. Unum uses the system to there advantage. They know it takes years to go through the legal system. I would bet the majority of the cases are settled before trial at pennies on the dollar. Oh well I have said enough. If you would like to discuss further, please e-mail me. Paul Kent (kent camper @aol.com)

This question is for everyone.
What do you think the percentage of cases that we hear about versus cases that we dont is ?
Im just trying to get a scope of how many cases are either not posted on the internet or are not talked about due to Gag/non-disclosure.
Thanks for your guesses!

Ruth: Please e-mail me at AOL and I will give you my phone number. Call me and I will let you know the do's and dont's. Do not submit your application until we can talk.I can at least guide you through the process and give you some idea what to expect. Paul Kent

To Lonnie and Kentcamper, you spell out very well what a hell this application process could turn into. I will turn my claim application in, about a couple of weeks from now. I was self employed in a small firm, and insured for about the last 10 of those years. I paid the premiums personally, not through my business account. Kent-what have you learned along the way about do's and dont's, if mistakes were made along the way, please let me know. I am approaching this cautiously, and am looking for an attorney, have not gotten any responses as yet. Thanks.

First, You are in the same boat as many of us. All I can say first is you must stay the course. Do Not Let those bastards get away with anything. I have been fighting for four years, you can read about my case in the same section as you put your comments. I lost my case in Federal Court after three years and am now appealing to the 9th district court in California. My case should be heard soon. Did your company pay your premiums for long term disability benefits or did you? If your company did it will be under ERISA, if you did you can sue under a jury trial (which is much better). Have you filed for social security disability yet, if not file immediately. Do not file any paperwork with Unum Provident or social security until you seek the advice of an attorney. What type of disabiltiy do you have?. If it is work related you maybe can file a worksmen compensation case like I did. I am now receiving social security and a worksmen compensation payment montlhy for the rest of my life. Please let me know the information and I will try and give you some further advice. I have been through hell and back also. I lost my house and was forced into bankruptcy because of Unum Providents games. Again, do not get discouraged, this will take time. Do not let this consume you even though it will be very hard on you. Hopefully you have family members who can help you or other agencies in your area that can lend some kind of support. E-mail me with any questions you might have. I am not a lawyer, but after four years I know what I did wrong and what mistakes others should avoid. Good luck and keep me informed. Paul Kent-55 years old-retired compliance manager for a major brokerage firm on wall street.

  Hi to all, My name is Lonnie and I feel that I have a new family now. I had no idea that so many people were going through the same thing that I am with Unum Provident. If it makes ya'll feel better they've treated me like a peice of trash to, and I am so sorry that all of you are going through the same thing as me it is terrible, and I will pray for all of you. With that said I have a couple of questions. I have an attorney working on my case but it is moving very slow. Have you heard of very many people winning their cases and if so how long does it usually take.
I have lost everything I own and I am now in danger of losing my home. I am so tired of fighting this and worrying I wished I was dead. I have two wonderful children and I am so sick I can't do anything with them and don't have the money to care for them the way it should be. If it were not for them I think I would have already killed myself. I'm so sorry I didn't mean to dump on you guy like that. It just gets the best of me sometime. If anyone has any suggetions on how to help me win this case I would be forever in your debt. Sorry for the bad grammer I'm just a country boy from Louisiana. Thank you and God Bless

I am about to apply for disability based upon severe depression, bipolar disorder, adult attention deficit disorder, and chronic fatigue syndrome. The insurer is lincoln national life, adminstered by met-life, a subsidiary of UNUM. Has anyone had a similar claim, what was outcome? Also, I'd like an attorney to look at the application prior to mailing to met-life. Has anyone done this, do you think it effected the outcome? Do you know an attorney in the Dallas Fort Worth area?

http://www.marinij.com/Stories/0,1413,234~24407~2237058,00.html
 

http://www.sfgate.com/cgi-bin/article.cgi?...1.DTL&type=business
 
http://finance.messages.yahoo.com/bbs?.mm=...d=7084497&mid=71536
They should have paid a long time ago. IMO the fact that they did not tends to show they are trying to get new definitions approved in old policies to make them cover less than was intended when the definitions were first written. To have not already paid reaches father into the unfair busness practices that UNUMProvident has been claimed to be participating in.
It is unfair busness practice to delay paying a claim when it has been made reasonably clear that a valid claim exists.
 
So when will Joan get her money?
Dave
It looks like UNUMProvident is trying to be involved in more things in the UK that they can use to (make it look like claim denial is supported). I guess I just do not have a good position of UNUMProvident’s motives, I have seen to many things that UNUMProvident does that is obviously self supporting that I do not trust anything they do to not be done with the intent to distort the real issues, They are a disability insurance company and many of the claims that they deny or terminate are questionable that the denial or termination was reasonable.
 
http://icwales.icnetwork.co.uk/0100news/02...sick-name_page.html

Hello again! I was message #37 -Paul Kent. I am the one who is appealing my case to the 9th district court. The "Andrews Litigation Reporter" did an article about my case in Volume 13, issue 31 May 14,2004. The headline read " Consider Stress,Heart Problems for Disability claim, 9th Cir. Told". The article went over my medical history and why Provident's decision to deny benefits was fundamentally flawed.The more people who become aware of what Unum Provident is doing can only help our cause. We all have to continue this fight.Publicity is the only way to put pressure on this company. Again, write your Congressmen, Senators, Insurance commissioners, whoever will listen. Be Brave and Stay strong - Paul Kent

Hello everyone!
Well Unum has done it again and in a big way! For those of you who do not know my story from the past few months, here goes.
Went on employer paid disability program in October 2003 with Possible MS. 1 month before my policy was to kick in to long term I was denied. During that time I was dx'd with fibromyalgia. I appealed Unum's decision, and was told I had to have a FMLA certification filled out by my doctor last month. After having to repeat the certification process again after they (unum) said it was not enough information to base a FMLA leave on, they finally accepted it. There have been alot of numerous harrassments, and violations to my rights including the refusal to provide me with all of my documents that they had on me.
Well, I got my denial of my appeal last week. Althoug I was mad, I called them to find out the status of my FMLA certification. NOW.....here's the deal....they approved the FMLA leave!! How is it they can say yes I am sick enough for FMLA, but not for disability?! Talk about a total contridiction!
So, as anyone can see I am in fact another victim of UnumProvident's deceitful and unintelligent games. I just feel sorry for eveeryone else, and wish there was something I could do to stop this company from doing this to anyone else.

UNUMProvident also does claims handling for some other companies. UNUMProvident will buy or reinsure blocks of busness from other companies and if that happens then you may end up with UNUMProvident as your claims handler. Some policies that are sold by other companies also happen to come from UNUMProvident.

The official names of the insurance companies that make up UNUMProvident.

  
--Insurer financial strength 'A-' Rating Watch Negative Group members are:

--Unum Life Insurance Company of America;

--Provident Life & Accident Insurance Company;

--Provident Life and Casualty Insurance Company;

--The Paul Revere Life Insurance Company;

--First Unum Life Insurance Company;

--Colonial Life & Accident Insurance Company;

--Paul Revere Variable Annuity Insurance Co..

Dave

Thank you, Dave. It is tied to disability, so I guess I am an UNUM victim, too. These vermin hide like spiders within a nest of corporations. What drew me to this board was the article on gaslighting. I believe that these corporations use law enforcement for a lot of this, and they're very good at what they do. The other day they illegally entered my apartment while I was away and did nothing more than change the settings on my stereo. Can you see me trying to make a complaint about that? They leave no usable evidence. When I tried to set up a surveillance camera to catch them in my apartment, they disabled it.

I found Paul Kent's message (#37) very insightful. I certainly hope and pray he has a better result at the appellate court level. It is unfortunate that UNM incurs little downside in such matters other than a modest amount of incremental legal fees inasmuch as ERISA prohibits punitive damages and it is difficult to collect legal fees and other out of pocket expenses in such cases.

Other than individual legal actions, it is my belief that the most productive activity that aggrieved UNM claimants can take to try to rectify this situation is contacting their U.S. Senators and Congresspersons to request that oversight hearings be held on this matter. If UNM ultimately fails (its senior debt rating has already been lowered to "junk" status by S&P and Moody's), then Congress will rush to point fingers as they did with Enron and Worldcom. Wouldn't it be so much more productive if these legislators could do something pre-emptive??? I know it is difficult to rouse these politicians to action; however, one must continue to bombard them with information on this topic in a manner that doesn't annoy them. Eventually, I believe something good will occur.

Edited by author 05-29-2004 07:22 AM
Colonial life is part of UNUMProvident as is Unum Life and provident life and Paul Revere Life. There is some Colonial insurance that is not tied to UNUMProvident but if the insurance is disability income then most likely it is the same company
Dave

These stories are very familiar. What is Unum? Does it have anything to do with the following depraved corporate criminals?
   Memorial Sloan-Kettering Cancer Center
   New York Presbyterian Hospital
   McDermott, Will & Emery
   RSKCo
   Colonial Insurance

The odds of a bigger award can be improved if the right guidelines are followed. Also there may have been several different requests that ran concurrently reducing the time frame that they did not respond. If after the 30 day failure to provide information another request for the information is made telling the insurance company that they are now subject to the possible penalty for not responding as required by ERISA law can get the judge to levy a heavier fine. The Insurance Company can no longer claim they were in the dark.
Dave

It would seem to reason that as soon as unum violates a policy holders rights they have then violated a contract.
And therfore no longer may assume protection from ERISA standards?>?
I found an example of the 110.00 a day fine that concluded with a 17,000$ dollar penalty against UNUM.
The alarming part was the awardment by the judge was only 15.00$ dollars a day. (by my math thats just over 3 years)
Seems as though there is no cause for them to even attempt to comply with ERISA.

They do violate a policy holder’s ERISA rights and for the most part to get anything done it must be taken to federal court and it needs to be pointed out in the lawsuit all of the state and ERISA violations that have occurred. If the laws that were broken were not brought before the court then they are not usually ruled upon.

To have a case you must make all requests to the company in writing and you must have proof that they received the request. Failure of the company to respond to written request within 30 days is a violation of your ERISA rights. A possible penalty of up to $110.00 a day after the 30 days for failure to respond and provide needed information.
Dave

I keep reading of the problems that ERISA protected policys have.
But what happens if Unum Violates a policy holders ERISA rights?

http://www.bulletinboards.com/cftree.cfm?S...6016&UseNoFrame=yes

This site may give you some more ideas.

You are at a disadvantage to be at the lawsuit appeal stage as the appeal deals with was the district court reasonable in agreeing with UNUMProvident.

In federal court the court does not rule on whether you are disabled or not. It rules on whether the law was broken in terminating your disability coverage.

If the state law was not brought up that shows that UNUMProvident did not handle your claim fairly then they cannot rule on it. On appeal to succeed you must show that the district court did something wrong in not changing UNUMProvident decision. More information is needed to find possible cases to support the idea that UNUMProvident did not give a proper review to your documentation and the district court eared in not giving more consideration to what was in the claims file. You may be able to prove that UNUMProvident removed things from the administrative claims file before they provided it to the court.

I am making the assumption that you claim is covered under ERISA.

Dave
dave61599@yahoo.com

I am also fighting with Unum Provident. I went out on long term diasbility 4/30/2000. After six months receiving short term disability from my company I applied and received long term disability payments from Unum Provident. Three months and the payments stopped. Unum received a copy of a stress test I had done in December and determined I was fit to return to work. My medical history briefly since 1989 was 13 angiograms, 8 angioplasties, 4 stents inserted, a 5-way by-pass (yes 5 arteries bypassed) and I had to have my sternum rewired twice (yes that ment my chest had been opened a total of three times). The sequences of the previous medical procedures finally resulted in my doctor saying enough is enough your job (which I will add was extremely stressfull)was leading to my death. To make a long story short, I lost my house and was forced into bankruptcy before I started to receive social security and resolve a worksmen comp case, but Unum Provident has still been fighting me and not paying me disability payments. I filed a case in Federal Court under Erisa, but lost my case. The judge never ruled on my disability, only ruled that Unum Provident did nothing wrong and that they gave me due process.I would like to mention Unum Provident never, I repeat never had me examined by a doctor, only relied on information from an assistant to the doctor. Yes, the doctor at Unum did review her findings and agreed. I would make one final comment, My doctor who put me on disability is a well respected board certified cardiologist who has been treating me for over 14 years and has done a lot of my heart procedures. Who better to make a determination about my illness (disease) then him.As he told me, the paperwork that is involved when he puts someone on diasibility is tremendeous and he has absolutely nothing to gain except a lot of work. Well I have vented enough and just want to let everyone know my story. Please do not give up and do not give in to Provident. They must be stopped in there criminal activity. Please write your congressmen and congresswoman and ask for a public hearing to expose this company.I am currently waiting for a date from the 9th district court of appeals to hear my case. I hope the outcome is better than at the Federal Level, but I will keep fighting as long as I can take a breath. I can be reached at kentcamper@aol.com

P.S. So sorry that my message was so long. I just haven't discussed all this with anyone- and I guess I had a lot that I wanted to say. Thanks! Dan. C.

Hello friends. I just discovered this site about an hour ago. I'd heard several months ago that there were some "investigations" into UNUM, and that it was going to be discussed in detail on some upcoming news show. Unfortunately, I didn't see the program. I live in Salt Lake City, Utah- and have taught public school here for 23 years. On October 18, 2001, (5 weeks after "9/11"), my heatlh took yet another nosedive, and I ended up so very sick, that it was utterly impossible for me to return to school to teach even one more day. I'm single, and live by myself. I began the process of applying for Social Security Disability, and I eventually repeated the same process for long-term disability through my school district's insurance...UNUM. The following year was filled with such terrible illness. Yet somehow, I HAD to complete this disability application process. Social Security denied my claim twice, and I found an attorney to help me get through the 3rd appeal. Fortunately- I was finally approved. All during this year, UNUM also kept denying my claim. They took the hundreds of pages of my medical records, and somehow belittled each of my medical problems, concluding that there was no reason that I couldn't get back to teaching school. After I was approved by Social Security, I faxed the 12-page approval report- that had been composed by a kind, understanding Social Security judge, to UNUM. They still wanted a few more medical records, but finally approved my claim. For two years, I received about $959 a month from UNUM. When they first approved me, they included a somewhat threatening- sounding letter to inform me that my case would be "re-evaluated" from time to time. Well, in October of 2003, this "re-evaluating" process began. Now- my health had not improved at all, and had actually continued to deteriorate. UNUM knew that NONE of my medical problems were ones that were ever going to "get better," however, once again- they wanted names, dates, records, x-rays, etc.- all over again. I made sure to send in all of the medical records that detailed all the additional medical problems that had developed since their first decision. We're talking: "mini-strokes," an entire list of autoimmune disorders, at least two minor heart attacks, depression/anxiety, another prostrate surgery, and a 4-day stay in the hospital in April of 2003. (I arrived by ambulance, and was told that my blood sodium level was that of a "cadaver.") I sent all this additional information to UNUM in November of 2003. It has now been SIX months, and they have still not determined their "re-evaluation" decision. I had H&R Block do my taxes for 2003, and found out I owe $10,000 in federal taxes, and $4,000 in state taxes. Ever since I first began this rapid decline in health, my brain simply does not function correctly. It takes me two weeks to write my monthly bills. I cannot read anything more than a few pages long. My brain seems to just shut down when I try to figure out anything detailed or complex. A month ago, I received a notice from Social Security, asking why I had not reported the "income" I had been receiving from UNUM- and how long I had been an "employee" of theirs. It took me two weeks to think through the Social Security forms, and I finally sent them in. In January of 2004, I spent 7 days in the hospital with my second bout of pneumonia this winter, severe hypertension, possibility of another minor heart attack/ and or stroke. I had a brain M.R.I. done, to see just what was going on in my brain. I was told that my brain showed "atrophy," and that this most likely indicates either "early dementia," or Alzheimer's. Two weeks ago, I faxed UNUM 45 pages of records from my hospital stay, along with additional examinations that verified my stroke situation. There is also a high probability that I have Multiple Myeloma, (bone marrow cancer). I see a specialist for this today. Meanwhile, I've called UNUM probably at least 10 times, inquiring if the've made their decision yet. Each time, the representative tells me that they're still waiting for more medical records. This morning, I called and this same representative tells me that they "probably" have the all the medical records they need- but that they would now need to take an additional 5-6 weeks to make a decision. I HAVE been receiving my monthly check from UNUM, however- every month I wonder if it will simply just now show up. I have no idea what I'll hear back from Social Security. I have NO idea how I'm going to pay all this money to taxes. I have used every penny of my savings. I know that my health continues to deteriorate- and that I'll surely not live to be an old man. My body just plain began "wearing out," at a very early age. I'll be 50 this year, but I know people in their 70's that have a LOT more energy, and much more enjoyable lives than I do. I am NOT suicidal, but I not longer have any desire to keep fighting. I pray each night that God will call me "home" as soon as He sees fit. Sometimes I beg Him to please take me home, for I simply do NOT have the energy to keep fighting doctors, Social Security, I.R.S., and of course- UNUM. This is all just SO wrong. Like I said, I taught public school for 23 years- and I know that I was a very good teacher. I've never been married, had children, or purchased a home- so a big chunk of my paycheck during those 23 years went straight to the government, and I seldom received any tax returns. Some years I even owed more when tax time comes around. Sorry- I'm ramblng on. My worn-out brain doesn't work like it should. When I woke up this morning, I decided that I needed to get up the nerve to call UNUM yet one more time- to make sure they received the 45 pages I faxed tham 2 weeks ago. I couldnt' find their phone number, (I lose EVERYTHING lately), so I did a quick search on the internet to see if UNUM's number was available there That's when I discovered this site. I browsed around- and could see that there are MANY people going through this same experience with UNUM. I probably should have read a bit more before I decided to post my own message, but I just felt the need to "vent" to others that understand this demoralizing experience of being disabled- and having to also continually PROVE it. Begging to Social Security, I.R.S., UNUM. One surely gets the feeling that these folks are doing their very best to hasten the death of us. After all, they'd save money- and there would be less paperwork for them. I just never in a million years thought that my life would be like this. I'm too weary to be mad about it. Well, I'd better be off to see the oncologist, to discuss this "myeloma" issue. Thanks for "listening." Sincerely,
 Dan C.
Salt Lake City, Utah

one other thing....u should talk to your agent that sold you the policy. they often can get things done for you by calling the company on your behalf. If i have a concern, i call my agent and he is able to explain it to me or get right back with me after talking to UNM and get things moving. I am just one customer, but my agent represents thousands. Still not that big of a deal when you have millions of customers, but it definetly works for me

for someone who can't work, they show they can still apply themselves. allow the website is middle schoolish in design, they sure put a lot into it. When u look at the facts, very very few claims were denied. They definetly screwed up on some that were denied, but i for one have been 100% happy with them. if u look at any ins co they are going to have tons of lawsuits and a good number of judgements. it doesn't mean they are bad companies.

I dont think its in a death spiral. These are deep pocketed companies, possibly a stumble but not a spiral.
Today we called to see why they hadnt sent any information to my employer, my employer says I will be denied benefits soon if they dont hear from me about coming back to work or from unum as to why Im not working.
So I called and asked what the deal was. Only to be told they werent sure that (*and get this*) NURSE "SO_SO" will be looking at your file tommrow.
I have a neurological disorder and a nurse is going to be looking at my file and deciding in effect the rest of my life.
Great...just great.

With UNM's senior debt now rated as "junk" by both S&P and Moody's, how likely is it that this underwriter has entered a death spiral? It is also my understanding that 45 state Departments of Insurance and the Department of Labor are investigating the company's claims payment processes. How material will the findings of these examinations be to the future survival of UNM and the potential size of judgment and/or settlement costs for the pending 12+ class action suits against the carrier?

You may be able to speed up yhe paper work by asking yhe doctor to provide it to you. When you visit with you doctor ask about things that are givinging you provlems in doing. When you get the medical records send them to the insuance company your self and keep your own copy. One thing that will help ar this point is to read your Plan documents. When did you start getting your disability benefits in other words when is your 24 months up?

Dave

/m18

The above link will give you some other places to look for information Disability insuance forms is a good place to find and get information.

I got a letter today 4-8 from Unum telling me they are beginning my 2 year review. I notice thia has come right after my file has been transferred to a new disability specialist. I have until may 4 to get all required paper work in. I do not have enough time. That is really 3 weeks,if it must arrive on the 4 or before. I know it will be hard, b/c my doc office is like pulling teeth ot get paper work through. Is there anyway to get help with this? I can't afford a lawyer and most won't take LTD b/c less money in it. But the 2 yr review is a biggie. It is here they determine if i am not just unable to do my own job but any job. any suggestions for help?

Edited by author 04-08-2004 07:29 PM
Good Day!

I'm an Investigative and Legal Researcher looking for some information, and I'm hoping members of this forum could advise, or at least be courteous to answer a few questions regarding the UNUM PROV Disability Fraud scandal.

During routine research and evaluations of various jury verdicts and supreme court ruling opinions and decisions, in my research, I was amazed to have stumbled across the shocking news of UNUM's mischief, malice and corporate greed, which literally destroyed many, many, innocent people's lives who were in dire need of disabilty insurance. I came to conclude, a callous crime that was perpetuated by a one-time insurance leader, UNUM, spiraled into one of the most notorious insurance disability fraud scandals on record.

Since this is fresh and new knowledge to me, please pardon me for any ignorance I might convey, but my first question is, I'd like to know, now in the present time of 2004, what's the official status of this atrocity? In respect to policyholders and the victims, are lawsuits still being filed both in class action and civil courts? Is/was there a specific time line constructed to identify, target, or pinpoint, claims suspected of UNUMS fraudulant scheme? For example, 1997-2000, etc? Approximately, how many insurance claims are reported to have been subjected to this tyranny?

I welcome all your insights and feedback, so please share your knowledge. Your time is appreciated.

Respectfully,

R.Stone

Hello

I have had workers comp insurance problems for six years Tha same stuff you all are going through. I came to the conclusion that all insurance companies are operating below the law and chose not to get alternate disability insurance when I was able to limp back to work for a brief excruciatingly painfull period of time. I Have decided to not deal with it all any more as soon as I reviewed the campbell vs State Farm case I took their case synopsis from the judge and compiled all information on my case that was the same providing evidence of RICO and filed it with the district attorney and the FBI I have came to the conclusion that the Company that has control of my case Gallagher Bassett Services is jioning UNUM and KEMPER These companies are all practicing a schene that falls under RICO and all persons involved with these insurance companies are in a no win situation and are in most cases in no shape to fight. the deck is stacked against. Every move you make will be countered, Illegally most of the time and the only way these people are going to lose is if they are prosicuted by the long arm of the law if posssible, I know my injuryies are getting worse and I can't fight their money I have allready lost over a Million dollars in the fight and alot of my retirement,The congressional statement on organized crime that goes with the Campbell vs State Farm case describes their actions in its content and with current evidence gatering laws the feds should be able to make a grand case against them all,I also mailed the feds the congressional statement and circled the areas that described These Insurance Carriers,o me really what they are doing and have been doing for over 20 years is domestic terrorism, and should get the same attention as any act of terrorism on the american people,up to and including War reparations to the victems and military involvementin the investigation and sezure of evidence. The feds are awere of this and, I believe they are involved in a investigation of some sort now I hope. and have losened up on the SSDI benifit a great deal. I would encourage every one to read at least the Judges interpritation of this land mark case and realze as he did it would take acts of milatery perportions to stop their scemes and go back the 20 years and attempt to right the wrongs, Most of which will never be made right because of the injury inflicted and in many cases death has occured to the claimant.Allong with the destruction of their families. we have to get law inforcement involved and possibly military involvement in regards to the scale of thiscorruption and the amount of people that are involved in the scheme.At least this is my opinion and expieriance with regards to all insurance companies they all have to be running the same racket to be in bussiness and making the unpresidented profits they are making.Thes sites and web access has made this information available and when you put it all together its a no win situation for the claimant PERIOD.These insurance companies have declaired a silent war on the American population as a whole and will destroy it if they are not stopped cold in their tracks for good History for as far back as recorded has shown a cycle up and down of this sort of crime it is a 20 year cycle the grey area we are in now were they think they have the scheme profected organizationally is on the up swing cycle were the feds start their prosicution of these crimanals and their reign of terror is stopped,untill the new ragime comes into power and the cycle ctarts ove again.it allways has been this way and has only been stopped by prosicutions by the new laws designed to prosicute the new scheme.by the new ragime in that cycle of crime.They have never won they just do not believe the history books and think their new scheme will work indefanatly and it allways fails ant the perpatrators are prosicuted some do get away but the cycle is stoopped for a peroid of time.It is prof of the old saying that the wheels of justice grind slowley but excedingly fine.

Edited by author 03-24-2004 05:09 PM
Do you want your claim to be placed on the easy to deny pile at UNUMProvident or other disability insurance company?

If so here are some suggestions:
Do not ask for a copy of your claim file when you are asked for more information are denied. You have a right to ask for it under ERISA law once an adverse determination has been made on your claim. Once more information has been asked for you need to know what is or is not in the claim file to have any idea as to what is needed.

Do not get in contact with others that are having problems with this company. When you start putting lies together it is not long before the lies are exposed.
WE are trying (a varying group that changes from time to time) the "we" is to say that I am not the only one responsible for much of the information that others and I have found. As each claimant with problems tells of their experiences and helps in providing documentation that provides knowledge and evidence that each case is not just a rare mistake. (UNUMProvident tactics survive on the theory that each incident is viewed separately and not as a group or general busness practice. We by working together can blow that UNUMProvident excuses out the window. If you are a denied claimant that doesn't think they have a chance you can still do a big service and also mess up UNUMProvident’s bad faith claims handling scheme You might even find that they decide to pay your benefit instead of being forced to provide the requested information.


What is being done is to help a bigger group of denied claimants and you can be part of helping yourself and others.

dave
Make it a hassle for UNUMProvident to leave you claim denied and provide information so others can be more successful at doing the same.

I am Amy H's significant other.
And let me assure you that there is no possiblity that she will be giving up. She is a strong person and even during many days of tears and desperation she is still fighting the battle and she will not give up.
The frustration of M.S./fibromyalgia and the constant beating from Unum slows her down but doesnt stop her.
Unum was saying that her policy would be discontinued as of middle of March. But today we called and they said no its still in review. They need more information....
To DAVE your doing a great service to everyone keep it up.
Im not sure why all these law suits are being low balled but it sounds to me as if a buy out is looming.
If you are consulting with an attorney make sure they are one that is aware of the EBIA book. ERISA does not mean you cant get a lawyer it means you have to get a smart attorney (Great West v. Knudson Jan. 2002)
To Mary, Dont GIVE UP. You may or may not have any legal recourse but you can cause problems. And problems cause attention and when people pay attention things change.
Im contemplating civil suing U/P for a huge sum of money not because they denied me, but because they have caused what possibly could be unfixable damage to my relationship and stopped my plan in life.
I wont win and I dont want to win. But I will get media attention. And that might be the one thing that stops all of this.
Thank you to all of you and for the moderators of this forum and web site. Your making it easier..

I have a suspicion that UNUMProvident may be making offers where the lawyer is offered more than you are told they offered. An offer where the lawyer is offered money under the table. I have read sever cases where UNUMProvident has won and it looks like to me that the claimants’ lawyer had a lot to do with the claimant not wining.

To win a case in federal court it is about the law that was broken not whether you were disabled or not. There are state insurance laws that UNUMProvident is breaking every day. There are no monetary penalties where the lawyer can make any more money on the claim. They are also breaking ERISA law on how they handle clams.

I am a denied claimant that has looked for a lawyer and my case is too small too get a lawyer to help. I have done a lot of research trying to fine enough information to file a case on my own. There is a lot of evidence that UNUMProvident makes a practice of not making a reasonable settlement offer unless a case is filed against them.

I won SSDI on my own the first time around and won a workers comp case where I had gone to a lawyer before work got rid of my for trying to get treatment for my wrists. So I am considered disabled by SSDI and permanently partially disabled by workers comp.

The internal affair may be as much the 45 state investigation against them. They may be forced to reopen the claims files of a bunch of their denied claimants.

The information you have and the dates on you documentation may be able to be leveraged to put a lot more pressure on UNUMProvident.

If the lawyer has settled 50 cases how many has he done the same way he is doing yours?

How many cases has he taken to court?

The wrong lawyer can do more damage than they do good. A claimant under ERISA can do things that may make it cheaper for UNUMProvident to pay small claims than to continue denying the claim for small claims if the actions are stared before a letter is provided saying all administrative appeals are past. If ERISA law was not followed in giving the next possible steps to take for the next appeal then they have not properly stopped you chance for further appeal.

You have a right under ERISA to request your complete Administrative claims file and get it one you are given an adverse claim decision.

One problem with you claim may be for example that the wrong date for the beginning of your disability may be being used. You may need to use a date for the beginning of you disability that is before the time that you stopped working.

Dave

It is only as we network information that was found out the hard way latter than what does the most good that we can use that information to help others.

Dave61599@yahoo.com

 First of all let get this straight. I know that if the majority of folks disabled had a choice of working with benefits or being disabled with benefits, working would be the answer. It's not fun sitting at home every day in pain. Restricted activities etc... Be careful filing under ERISA even with the advise from your Attorney. I have fibromyalgia, a lumbar spine degenerative disc disease. Herniation of L5-S1 with enchroachment on the nerve root. I went through therapy (shots in the back) and physical therapy without prevail.I was told I didn't stand a chance to win my case due to the laws that govern ERISA. My attorney made the decision to file. If he couldn't win and was not willing to lidegate the case he should have said no from the start.(A waste of time)then tells me it's cut and dried? Take their low ball offer or he would withdraw as my attorney???? He must want a new HD television or a new car. He is a well known attorney and came highly recommended from my doctor. Unum made a low ball offer and I was told I had no other option.If they made an offer does that not mean that they acknowledge that I an disable? My attorney had 50 cases against insurer and said they wanted to settle to clear their books before a big layoff.I couldn't care less about their inside goings on. I think it is all a raquet and for over 25 years I paid disability insurance premimums to receive nothing. I should have paid my premimums directly to the attorney and I would have slept at night knowing for sure the outcome. Any help or advise would be appreciated. Thank you and hang in there for those of you that know what I'm going through.

Mary If you haven’t received any appeal information then the clock that determines when you can appeal has not started running and in ERISA cases You now have 180 days after the denial to appeal the denial. If you weren't given the next step for appealing your case the clock does not start ticking on the 180 days at that time. Courts have ruled that even late appeals are not necessarily barred.

If you don't try the end result is guaranteed that you will not get anything.

Dave

For Amy H.

I have not tried again because it has probably been too long now. Don't do like me and give up. I had said when they first stopped my disabilty payments I would hire a lawyer, but because I felt so bad and it was such a hassle I gave up. I have regreted letting them get away with it so easily.
Please e-mail me at marygee45@yahoo.com.

Mary

For MARY,

Im also in Louisiana. Have you had any luck?

What am I to do?, Unum is denying my policy. I have fibro Myalgia consistent with early onset M.S.
My Neurologists report very distincly says not to return to work for concerns of exacerbating my problems.
I have visible sclerosis on my MRI, but I am caught in Limbo for now.
Not to mention the 900mg of Neurotin and Amitriptyline I am on. (there are 4 other meds that cause problems also but those are the impressive ones.)
Unum is denying my claim exactly 30 days before I enter long term disability.
Do I have any legal recourse all of the attorneys I have spoken to turn me down because its not long term yet.

Dave,
Hi, I'm trying to contact you. I don't know if I'm even doing this correctly, since I'm new to message boards. I'm writing you about the teleconference tomorrow. Are you planning on calling in? Please let me know. I appreciate it.
Michelle

You coverage would still be under UNUM and you need to get a copy of the certificate that was in effect at the time you became disabled. Finding all of the documentation you can is important at this point. As you could send in a request for your complete administrative claim file and a copy of the actual policy, as you have a right to do under ERISA and any documentation you have should also be in the claim file they send you. The fact they didn't send it to you shows that the claim file is not complete. This may give you a chance to be allowed to get the additional information into the claim file that would support your continued disability payments. You need proof that they receive any requests and the requests need to be in writing for UNUMProvident to be held accountable for the requests. When they are sent so the sign for the mail they cannot say they did not receive the request. Always keep a copy of what was sent along with your receipt saying they received it.

When you see what is in your claims file the way the policy is worded you may see why they think they can get away with not paying you. If they did not tell you how to appeal then you may still have things that can be done.

Dave

For Dave,
Thanks for the reply. I do not remember getting any appeal info. If I would have I would have filed an appeal. I remember thinking how unfair that all they have to do is pick up the phone and deny a claim. There reason for stopping was that my job description did not meet the National Standards for a Supervisor. I asked them to talk to my manager and ask him what he required of my job if they didn't believe me, but I was told they don't do that.
I'll have to look up my records to see the last date I was paid. I think it was for 1 year, but I should have continued getting payments because I had long term disability. The company I worked for no longer uses UNUM for their disability coverage.

Did you get appeal information for the discontinued claim?
Did you appeal the claim being discontinued?

A lot more information is needed before your questions can be answered.

Is your claim under ERISA laws?

In many cases the time frame for filing suit is for 3 years but you need to have a valid claim for filing the lawsuit. If they provided information to your right of appeal and you did not appeal you may not have much of a chance.

When the 3 years start if it has been several years and you did appeal may not have even started due to faulty information sent to you by the company.

I am in Kansas and I have special amendments that came with the certificate that gives me 5 years to file a lawsuit.
Dave
Dave61599@yahoo.com

Do you know the time limit for filing a law suit against UNUM for a disability claim that was discontinued? Also, do you know of any lawyers in Louisiana that might be filing class action suits against UNUM?

Ruling where claim is deamed denied may be helful to someone.
Dave

http://www.med.uscourts.gov/site/opinions/...6_cannon_v_unum.pdf

Edited by author 01-10-2004 11:01 PM
The Christmas season has been busy for
acc claimants in NZ, lots more new information now
available, http://accforum.org

Do you know of any attorneys in the L.A. area who are taking UNUM cases?
More generally, is there a list for the country?

Harvey

Edited by author 12-21-2003 04:36 PM
Greetings,

The New Zealand Accident compensation system is run by a Government Corporation called the Accident Compensation Corporaton (ACC)

In following the details about how UNUM and other American insurance companies treat claimants - the parallels between UNUM and ACC are clear. Earlier this year it was discovered that the ACC used to have shares in UNUM Provident several years ago, reading articles about both ACC and UNUM - the stories are so similar in many ways.

Our mk3 site can be viewed at http://groups.msn.com/ACCSupportNZ/

The MK2 site was shut down by the host corporation after revelations of multi-billion dollar investments of levy payers funds being put into investments while injured claimants were gaslighted.

http://www.accforum.org is our current site that has plenty of information on how the injured are treated. You are welcome to browse our forum, and contribute to it if you wish to.


IDB

Edited by author 11-09-2003 07:21 PM
A list of some of the cases fied against UNUMProvident in federal court

Court Docket Filing Date Plaintiff Defendant

Tennessee Eastern District Court 1:2003cv00261 29-JUL-03 Sheets Provident Life Acci
Florida Southern District Court 1:2003cv21928 18-JUL-03 Cabrera Provident Life
Mississippi Southern District Court 4:2003cv00270 17-JUL-03 Hammond Provident Life Ins.
North Carolina Western District Court 3:2003cv00365 16-JUL-03 Armstrong Provident Life and
South Carolina District Court 4:2003cv02331 15-JUL-03 Anderson Provident Life
Arizona District Court 2:2003cv01339 14-JUL-03 Hartnett Provident Life & Cas
Florida Middle District Court 6:2003cv00947 10-JUL-03 Stern Provident Life
Alabama Northern District Court 5:2003cv01712 03-JUL-03 Thorington Provident Life & Acc
California Central District Court 2:2003cv04776 03-JUL-03 Richard M Teller Provident Life & Acc



Court Docket Filing Date Plaintiff Defendant
South Carolina District Court 7:2003cv02539 04-AUG-03 Woodruff Colonial Life
Mississippi Northern District Court 2:2003cv00256 28-JUL-03 Colonial Life & Acci Foppiano

South Carolina District Court 3:2003cv02535 * 01-AUG-03 Kibler UNUMProvident Corp
California Central District Court 2:2003cv05412 * 29-JUL-03 John Boyle Unumprovident Corp








Court Docket Filing Date Plaintiff Defendant
Michigan Eastern District Court 2:2003cv73004 06-AUG-03 Wioskowski Unum Life Ins Co
Florida Northern District Court 3:2003cv00336 05-AUG-03 HEARN UNUM LIFE INSURANCE
Texas Western District Court 3:2003cv00295 04-AUG-03 Stover Unum Life Insurance
Florida Middle District Court 6:2003cv01111 01-AUG-03 Gaines Unum Life Ins. Co.
South Carolina District Court 6:2003cv02536 01-AUG-03 Smith UNUM Life Ins Co
California Central District Court 2:2003cv05434 30-JUL-03 Carol Eyberg Unum Provident Corp
Oklahoma Northern District Court 4:2003cv00506 29-JUL-03 Coggburn Unum Life Insurance
Tennessee Middle District Court 3:2003cv00674 29-JUL-03 Bryant Unum Life Insurance
South Carolina District Court 2:2003cv02470 28-JUL-03 Olmo Unum Life Insurance
South Carolina District Court 2:2003cv02471 28-JUL-03 Miller Unum Life Insurance
Florida Middle District Court 3:2003cv00606 25-JUL-03 Haynes UNUM Life Insurance
Florida Middle District Court 8:2003cv01538 24-JUL-03 Yeagley Unum Life Insurance
Florida Northern District Court 1:2003cv00121 24-JUL-03 SOWARDS UNUM LIFE INSURANCE
Missouri Eastern District Court 1:2003cv00076 24-JUL-03 Est of Eddie Young UNUM Life Ins Co
Texas Western District Court 1:2003cv00514 24-JUL-03 Unum Life Insurance White
Florida Southern District Court 1:2003cv21974 23-JUL-03 Reid UNUM Life Insurance
California Central District Court 2:2003cv05193 22-JUL-03 Sylvia Kuhn Unum Life Ins Co
California Eastern District Court 2:2003cv01538 21-JUL-03 Achondo Unum Life Ins Co
Ohio Southern District Court 2:2003cv00644 18-JUL-03 Mercer UNUM Life Ins Co
California Southern District Court 3:2003cv01414 17-JUL-03 Smith Unum Life Ins Co
Virginia Western District Court 3:2003cv00065 17-JUL-03 Taylor Unum Life Ins. Co.
West Virginia Southern District Court 2:2003cv00670 17-JUL-03 Walker Unum Life Ins. Co.
Delaware District Court 1:2003cv00724 16-JUL-03 UNUM Life Insurance Juliano
Utah District Court 1:2003cv00072 16-JUL-03 Hosier-Andreasen UNUM Provident
California Central District Court 5:2003cv00802 15-JUL-03 Michael J Leinweber Unum Life Ins Co
Michigan Eastern District Court 2:2003cv72664 14-JUL-03 Williams UNUM Provident Corp
New Jersey District Court 2:2003cv03269 11-JUL-03 UNUM LIFE INSURANCE PANDYA
South Carolina District Court 7:2003cv02308 11-JUL-03 Jones Unum Life Insurance
Tennessee Middle District Court 3:2003cv00625 11-JUL-03 Creech Unum Life Insurance
Florida Middle District Court 2:2003cv00343 10-JUL-03 Baron Unum Life Insurance
Oklahoma Western District Court 5:2003cv00935 10-JUL-03 Brinkley UNUM Life Ins Co
Texas Western District Court 5:2003cv00652 10-JUL-03 Zessin Unum Life Insurance
Mississippi Northern District Court 1:2003cv00260 08-JUL-03 Coleman UNUM Provident Ins
Texas Western District Court 6:2003cv00214 08-JUL-03 Unum Life Insurance Roberts
Florida Middle District Court 6:2003cv00923 03-JUL-03 Turner Unum Life Insurance
New Jersey District Court 2:2003cv03169 03-JUL-03 KEENAN UNUM LIFE INSURANCE
Louisiana Western District Court 1:2003cv01258 01-JUL-03 Rankin UNUM Life Ins Co Am
Louisiana Western District Court 5:2003cv01258 01-JUL-03 Rankin UNUM Life Ins Co Am
South Carolina District Court 2:2003cv02159 01-JUL-03 Weidner UNUM Life Ins Co
 
 
 

Keep in mind this does not reflect all of the cases filed against UNM. This does not include state court case filings of case filings where UNM (not named in the case) is the reinsurer and claims handler with the liability. Clearly this list may represent a material issue to the company that is not being reported to the shareholders. IMO
dave61599
7/29/200329-JUL-03 Chilton UnumProvident Corp Alabama Northern District Court 2:2003cv02002
7/28/2003 Crandall UNUM/Provident Corp Arizona District Court 4:2003cv00386
7/25/2003 Griffin Unumprovident Corp New York Western District Court 1:2003cv00566
7/18/2003 Flaxcomb Unumprovident Corp Tennessee Eastern District Court 1:2003cv00242
7/16/2003 Brikho v Unumprovident Corp Michigan Eastern District Court 5:2003cv60152
 
7/21/2003 Cannata v Paul Revere Life Ins Connecticut District Court 3:2003cv01249
7/11/2003 Crawford v Paul Revere Life Ins Texas Western District Court 5:2003cv00657
7/8/2003 Cunningham v Paul Revere Life Ins Tennessee Eastern District Court 1:2003mc00010

UNUMPROVIDENT
Sector: Financial Industry: Insurance (Accident & Health)
Date Filed Case Caption Nature of Suit
100. 6/30/2003 Sherman Unum Life Ins Co Colorado District Court 1:2003cv01197
99. 6/30/2003 Ladd Unum Life Insurance Florida Middle District Court 8:2003cv01356
98. 6/30/2003 Powers UnumProvident Corp Colorado District Court 1:2003cv01198
97. 6/27/2003 Patton v Provident Life Tennessee Middle District Court 3:2003cv00582
96. 6/26/2003 Smith v Provident Life Accid Florida Southern District Court 1:2003cv21735
95. 6/26/2003 Hawkinson v. Unumprovident ERISA
94. 6/25/2003 UNUM Life Insurance v. Castaneda ERISA
93. 6/24/2003 Maynard v Unum Life Ins Co California Eastern District Court 2:2003cv01345
92. 6/24/2003 Hurd v UNUM Ins Company Ohio Southern District Court 3:2003cv00224
91. 6/24/2003 Maynard v. UNUM Life Ins Co Insurance
90. 6/23/2003 Skari v Unum Insurance Co Colorado District Court 1:2003cv01154
89. 6/23/2003 Warren v. Smithkline Beecham, et al ERISA
88. 6/23/2003 Thomas v. Educational Employees Credit Union Long Term Disability Plan Et A ERISA
87. 6/20/2003 Rosa May v Colonial Life & Acc California Central District Court 2:2003cv04408
86. 6/20/2003 Swords v Unumprovident Georgia Northern District Court Corp 1:2003cv01723
85. 6/20/2003 Aiman Mohalla v. Unumprovident Corp, et al Insurance
84. 6/20/2003 Bramlett v. UNUM Life Ins Co Insurance
83. 6/20/2003 Swingle et al v. UNUM Life Insurance Company of America et al ERISA
82. 6/20/2003 Alexander v. Bose Corporation et al Other Statutory Actions
81. 6/20/2003 UNUM Life Insurance Company of America v. Cotton Insurance
80. 6/19/2003 Warner v. Ultra Punch, et al ERISA
79. 6/19/2003 Darrell G Osenbaugh, et al v. UNUM Life Ins Co, et al Insurance
78. 6/19/2003 Rosenbaum et al v. Provident Life and Accident Insurance Company Et A Insurance
77. 6/19/2003 Moore v. Unumprovident Corp, et al ERISA
76. 6/19/2003 Reeve v. UNUM Life Insurance ERISA
75. 6/18/2003 Vanderploeg v. UNUM Life Insurance Company of America Insurance
74. 6/18/2003 Fell v. UNUM Life Ins Co, et al Insurance
73. 6/18/2003 Germaine v. UNUM Life Insurance ERISA
72. 6/17/2003 Murphy UNUM Life Ins Co Alabama Northern District Court 5:2003cv01441
71. 6/17/2003 Holgado Unum Life Ins Co Washington Eastern District Court 2:2003ct05062
70. 6/17/2003 Morgan v Provident Life & Acc Alabama Northern District Court 2:2003cv01442
69. 6/17/2003 Criser, et al v. ERISA
68. 6/17/2003 Murphy v. UNUM Life Ins Co, et al ERISA
67. 6/17/2003 Conti v. UNUM Life Insurance, et al ERISA
66. 6/17/2003 Leighton v. Provident Life and Accident Insurance Company Et A Insurance
65. 6/17/2003 Chapman v. UNUM Life Insurance ERISA
64. 6/17/2003 UNUM Life Insurance v. Breitenbach ERISA
63. 6/16/2003 Norman v. Empl Whittman-Hart, et al ERISA
62. 6/16/2003 Bell v. UNUM Life Ins, et al ERISA
61. 6/13/2003 Roudebush v UNUM Life Ins Co Ohio Southern District Court 1:2003cv00432
60. 6/13/2003 Gonzalez-Rivera v Unum Provident Life Puerto Rico District Court 3:2003cv01659
59. 6/13/2003 Greco v. Rowan Reg Med CTR, et al ERISA
58. 6/13/2003 Wohlford v. Unumprovident Corp, et al Insurance
57. 6/13/2003 Boling v. UNUM Life Insurance Company of America ERISA
56. 6/13/2003 Torrey v. Unumprovident Corpor, et al ERISA
55. 6/13/2003 Pekala v. UNUM Life Insurance Company of America Insurance
54. 6/12/2003 ORourke v. Disability Plan Horn, et al ERISA
53. 6/12/2003 Stieglitz et al v. UNUM Life Insurance Company of America Insurance
52. 6/12/2003 Briscoe v. UNUM Life Insurance Company of America ERISA
51. 6/12/2003 Deweil v. Unumprovident Corp ERISA
50. 6/12/2003 Lewis v. UNUM Life Ins Co Other Contract
49. 6/11/2003 Pappas v. Unumprovident Corporation et al Insurance
48. 6/11/2003 Levy v. UNUM Life Ins Co, et al ERISA
47. 6/11/2003 Strahle v. Corts Trust II, et al Securities
46. 6/11/2003 Buccella v. Unumprovident, Inc ERISA
45. 6/10/2003 UNUM Life Ins v. Lee Insurance
44. 6/10/2003 Porter v. Unumprovident Corp Insurance
43. 6/10/2003 Cooper v. UNUM Life Insurance ERISA
42. 6/10/2003 Goldman v. Morgan Stanley DW, et al ERISA
41. 6/9/2003 Watson v. UNUM Life Insurance, et al ERISA
40. 6/9/2003 Beams v. UNUM Life Insurance Company of America Insurance
39. 6/9/2003 Taylor v. Unumprovident Corp, et al Insurance
38. 6/9/2003 Hansen v. UNUM Life Insur Co ERISA
37. 6/9/2003 Elkins v. the Compaq Computer Corporation Long-Term Disabili ERISA
36. 6/9/2003 Norris v. Unumprovident Corporation ERISA
35. 6/6/2003 Rutledge v Unum Ins Co Ohio Southern District Court 3:2003cv00201
34. 6/6/2003 Taylor v. Unumprovident Corp ERISA
33. 6/6/2003 Sudesh Sharma v. Toyota Motor Sales, et al ERISA
32. 6/6/2003 Valente v. Unumprovident Corporation et al Insurance
31. 6/6/2003 Witt v. UNUM Life Insurance ERISA
30. 6/6/2003 Walker v. UNUM Life Insurance ERISA
29. 6/6/2003 Ogden v. UNUM Life Insurance Company of America Insurance
28. 6/6/2003 Meyer et al v. UNUM Life Insurance Company of America
27. 6/6/2003 Melancon v. UNUM Life Ins Co AM Insurance
26. 6/5/2003 UNUM LIFE INSURANCE v GEORGE North Carolina Middle District Court 1:2003cv00518
24. 6/5/2003 Southard UNUM Provident Co Iowa Southern District Court 4:2003cv10325
23. 6/5/2003 Koh v Provident Life & Acc Arizona District Court 2:2003cv01090
22. 6/5/2003 Patel Provident Life Michigan Eastern District Court 2:2003cv72194
21. 6/5/2003 Kennedy v. UNUM Life Insurance Insurance
20. 6/5/2003 Fleming v. Unumprovident Corp Insurance
19. 6/5/2003 UNUM Life Insurance v. George ERISA
18. 6/4/2003 Johnson Unum Provident Life Florida Middle District Court 8:2003cv01170
17. 6/4/2003 Douglas H Altschuler v. Equitable Life Assur, et al Insurance
16. 6/4/2003 Weinberg v. UNUM Life Insurance, et al ERISA
15. 6/3/2003 Laborde & Neuner v Unum Provident Corp Louisiana Western District Court 6:2003cv01042
14. 6/3/2003 Meyer Paul Revere Life Florida Southern District Court 0:2003cv61087
13. 6/3/2003 Lion v Unum Insurance Virginia Eastern District Court 1:2003cv00715
12. 6/3/2003 Pratt v. UNUM Life Insurance Company of America Insurance
11. 6/3/2003 Mobley v. Baptist/St Vincent, et al ERISA
10. 6/3/2003 DAlton v. UNUM Life Insurance, et al ERISA
09. 6/3/2003 Kenny v. UNUM Life Insurance Company of America ERISA
08. 6/3/2003 Outler v. UNUM Life Insurance ERISA
07. 6/3/2003 Marshteyn v. UNUM Life Insurance Company of America ERISA
06. 6/2/2003 Murdock v Provident Life & Acc Utah District Court 2:2003cv00511
05. 6/2/2003 Gary D Heidkamp v. UNUM Life Ins Co of, et al Insurance
04. 6/2/2003 Alston v. UNUM Life Insurance Company of America Insurance
03. 6/2/2003 Unumprovident Corporation v. Macon Insurance
02. 6/2/2003 Desante v. UNUM Life Insurance Company of America Insurance
01. 6/2/2003 UNUM Life Insurance v. Gerity ERISA

Date Filed Case Caption Nature of Suit

88. 5/30/2003 Rachel Liddell v. UNUM Life Ins Co of, et al ERISA
87. 5/30/2003 Simon v. Unumprovident Corporation et al Insurance
86. 5/30/2003 Treace v. UNUM Life Insurance Insurance
85. 5/30/2003 Turner v. Long Term Disability, et al ERISA
84. 5/30/2003 Smith, et al v. Morristown Hamblen-, et al ERISA
83. 5/29/2003 Murphy v. Paul Revere Life Ins, et al Insurance
82. 5/29/2003 Contrucci v. UNUM Life Insurance Insurance
81. 5/29/2003 UNUM Life Ins Co v. Bell Insurance
80. 5/29/2003 Wood v. UNUM Life Insurance Company of America Insurance
79. 5/29/2003 Anderson v. UNUM Life Insurance Company of America Other Statutory Actions
78. 5/28/2003 Palmer v. UNUM Life Ins Amer, et al ERISA
77. 5/28/2003 Higgs v. Unumprovident Corp, et al Insurance
76. 5/28/2003 Gary Rice v. Unumprovident Corp, et al Insurance
75. 5/28/2003 Brian Rawls v. UNUM Life Ins Co, et al ERISA
74. 5/27/2003 Gerleman v. Prison Health Services, Inc et al Employment
73. 5/23/2003 Church v. Unumprovident Corp, et al Insurance
72. 5/23/2003 Branham, et al v. Provident Life Ins, et al Insurance
71. 5/23/2003 Marlene Leiva v. Provident Life & ACC, et al Insurance
70. 5/23/2003 Ricki Townsend v. UNUM Life Ins Co of, et al Insurance
69. 5/23/2003 Ceimo v. General Amer Life, et al Personal Injury
68. 5/23/2003 Palmer v. Unumprovident Corp, et al ERISA
67. 5/23/2003 Hullings v. Unumprovident Corp, et al Insurance
66. 5/22/2003 Dana Lemanski v. UNUM Life Ins Co, et al Insurance
65. 5/22/2003 Flournoy v. UNUM Life Insurance ERISA
64. 5/22/2003 Carlson v. UNUM Life Ins CO, AM, et al ERISA
63. /21/2003 Campbell v. UNUM Life Ins Co Insurance
62. 5/19/2003 Scanlon v. Unumprovident Corp, et al Securities
61. 5/19/2003 Chaney v. Steele, et al Insurance
60. 5/19/2003 UNUM Life Insurance v. Nuckols ERISA
59. 5/19/2003 Rubino v. UNUM Life Insurance, et al ERISA
58. 5/19/2003 Charlotte Fisher v. UNUM Life Ins Co, et al ERISA
57. 5/16/2003 Marino v. UNUM Life Ins Co, et al Insurance
56. 5/16/2003 Fetter v. UNUM Life Insurance, et al ERISA
55. 5/16/2003 Perez-Rivera v. UNUM Life Insurance ERISA
54. 5/16/2003 Kummer v. UNUM Life Ins Co Insurance
53. 5/16/2003 Williams v. UNUM Life Insurance Company of America et al Insurance
52. 5/16/2003 Sosby v. UNUM Life Insurance ERISA
51. 5/15/2003 Straube v. UNUM Life Insurance ERISA
50. 5/15/2003 Finke, et al v. , et al Securities
49. 5/15/2003 Duckworth v. UNUM Life Insurance ERISA
48. 5/14/2003 Dickenson v. UNUM Life Ins Co ERISA
47. 5/14/2003 Edmond v. UNUM Life Insurance, et al ERISA
46. 5/14/2003 Alina Alexander v. UNUM Life Ins Co ERISA
45. 5/14/2003 Whitlock v. BB&T Disability Plan, et al ERISA
44. 5/13/2003 Anderson v. Unumprovident Corp ERISA
43. 5/13/2003 Harris-Skye v. UNUM Life Insurance Company of America Insurance
42. 5/13/2003 James v. UNUM Life Insurance Company of America et al ERISA
41. 5/13/2003 Patricia Wohlgemuth v. Zebra Technology, et al ERISA
40. 5/12/2003 Andrews v. UNUM Life Ins Co, et al ERISA
39. 5/12/2003 Kennedy v. UNUM Life Insurance ERISA
38. 5/12/2003 Beitle v. UNUM Life Insurance Company ERISA
37. 5/12/2003 Roberta C White v. UNUM Life Ins Co, et al
36 5/9/2003 Starr v. UNUM Life Insurance, et al ERISA
35 5/9/2003 Love v. Paul Revere Life Ins, et al Insurance
34 5/9/2003 Jean M Pliss v. UNUM Life Ins Co, et al ERISA
33 5/9/2003 Painter v. UNUM Life Insurance ERISA
32 5/9/2003 King v. UNUM Life Insurance ERISA
31. 5/9/2003 Johnson v. UNUM Life Insurance, et al ERISA
30. 5/9/2003 McClellion v. Englehard Corp, et al ERISA
29. 5/9/2003 Davis v. Unumprovident Corp ERISA
28. 5/9/2003 Hamilton v. Unumprovident Corporation Insurance
27. 5/9/2003 Vanessa D Smith v. Unumprovident Corp, et al Insurance
26. 5/9/2003 Strong v. Unumprovident Corp, et al Insurance
25. 5/8/2003 Thomas v. UNUM Life Ins Co ERISA
24. 5/8/2003 Ireland v. UNUM Life Insurance ERISA
23. 5/8/2003 Azzolini v. Corts Trust II, et al Securities
22. 5/8/2003 Barber v. UNUM Life Insurance Company of America
21. 5/8/2003 Barbara Dalmatoff v. UNUM Life Ins Co of, et al Insurance
20. 5/8/2003 House v. UNUM Life Insurance ERISA
19. 5/8/2003 Campbell-Wade v. UNUM Life Insurance Company of America ERISA
18. 5/7/2003 Holman v. Unumprovident Corp Insurance
17. 5/7/2003 Bettina Trider v. TRW Inc Long, et al Insurance
16. 5/7/2003 Sanguedolce v. UNUM Life Insurance Insurance
15. 5/7/2003 Curtin v. UNUM Life Insurance Company of America et al Insurance
14. 5/7/2003 Stacy A Kinsel, et al v. UNUM Life Ins Co of ERISA
13. 5/7/2003 Robert A Johnson v. Paul Revere Life Ins, et al Insurance
12. 5/6/2003 Martin v. Unumprovident Corp, et al Securities
11. 5/6/2003 Craig v. Blue Cross Ind, et al Other Civil Rights
10. 5/6/2003 Blacker v. UNUM Life Insurance ERISA
09. 5/6/2003 Winifred L Wilcox v. Provident Life, et al Insurance
08. 5/6/2003 Marion v. UNUM Life Insurance ERISA
07. 5/5/2003 Kent Goodyear v. UNUM Life Ins Co of, et al Insurance
06. 5/2/2003 Weiss v. Unumprovident Corp, et al ERISA
05. 5/2/2003 UNUM Life Insurance v. Williamson Insurance
04. 5/2/2003 Bowling, et al v. Provident Life & ACC, et al Insurance
03. 5/1/2003 UNUM Life Insurance v. Moss ERISA
02. 5/1/2003 Taylor v. MCI International, et al ERISA
01. 5/1/2003 Pignataro v. Unumprovident Corp, et al ERISA

Date Filed Case Caption Nature of Suit

91. 4/30/2003 Boyle v. UNUM Life Insurance ERISA
90. 4/29/2003 Gee v. Unumprovident Corp, et al Securities
89. 4/28/2003 Jenkins v. UNUM Life Insurance ERISA
88. 4/28/2003 Chapman v. R J Grondin & Sons et al ERISA
87. 4/25/2003 Crespo v. UNUM Life Ins Co ERISA
86. 4/25/2003 McDonald v. Entergy Operations, et al Employment
85. 4/25/2003 UNUM Life Insurance v. Laszok ERISA
84. 4/25/2003 Finklea v. UNUM Life Insurance ERISA
83. 4/25/2003 Bowser v. Tidewater Health, et al ERISA
82. 4/25/2003 Anderson v. UNUM Life Insurance ERISA
81. 4/24/2003 Martin v. UNUM Life Insurance Company of America Insurance
80. 4/23/2003 Diaz v. UNUM Life Insurance, et al
79. 4/23/2003 Egan v. UNUM Life Insurance Company of America et al ERISA
78. 4/23/2003 Whiteside v. UNUM Life Insurance Company of America ERISA
77. 4/22/2003 Lancaster v. Unumprovident Corp Other Contract
76. 4/22/2003 Ramos-Gomez v. UNUM Life Ins Co ERISA
75. 4/22/2003 Sweet v. UNUM Life Ins Co Insurance
74. 4/22/2003 Raithaus v. UNUM Life Insurance Insurance
73. 4/22/2003 Prindle v. Amerus Group Co, et al ERISA
72. 4/22/2003 Miller v. UNUM ERISA
71. 4/21/2003 Carolyn Driver v. Weingart CTR Assoc, et al ERISA
70. 4/18/2003 Galat v. Unumprovident Corporation et al Insurance
69. 4/18/2003 Burleson v. Unumprovident Corp ERISA
68. 4/18/2003 Massey v. Be&k Welfare Benefit, et al ERISA
67. 4/17/2003 Watson v. PA Coca-Cola, et al
66. 4/17/2003 Metz v. UNUM Life Ins Co ERISA
65. 4/17/2003 Younts v. UNUM Life Insurance ERISA
64. 4/17/2003 Case v. UNUM Life Insurance ERISA
63. 4/17/2003 Chronister v. Baptist Health, et al ERISA
62. 4/16/2003 Labarbara A Cromwell v. LLU Group LTDP, et al ERISA
61. 4/16/2003 Vance v. Budget Rent A Car, et al ERISA
60. 4/16/2003 Harvey v. Astra Merck Inc Lon, et al ERISA
59. 4/16/2003 Jones v. UNUM Life Insurance Company of America ERISA
58. 4/16/2003 Riggan v. Unumprovident Corpor ERISA
57. 4/16/2003 Kohler v. UNUM Life Insurance Company of America ERISA
56. 4/16/2003 Brown v. UNUM Life Ins Co Insurance
55. 4/15/2003 Vogt v. Unumprovident Corp Insurance
54. 4/15/2003 Anderson v. UNUM Life Insurance ERISA
53. 4/15/2003 McCloskey v. UNUM Life Insurance ERISA
52. 4/14/2003 Moon v. UNUM Life Ins Co, et al ERISA
51. 4/14/2003 Terry v. UNUM Life, et al Insurance
50. 4/14/2003 Cannon v. UNUM Life Insurance Company of America et al Insurance
49. 4/14/2003 Petefish v. UNUM Life Ins ERISA
48. 4/14/2003 McLaughlin v. Group Long Term Disability Plan for Employees of Independence Blue ERISA
47. 4/14/2003 Ladmer v. Kroger Co, et al ERISA
46. 4/14/2003 Lockwood v. UNUM Life No Amer Insurance
45. 4/14/2003 Adair v. Liebert Corporation, et al ERISA
44. 4/11/2003 Apelian v. Archdiocese of Portland in Oregon et al ERISA
43. 4/11/2003 Fox v. UNUM Life Insurance ERISA
42. 4/11/2003 Richardson v. UNUM Life Insurance ERISA
41. 4/11/2003 Hatfield v. UNUM Life Ins Co ERISA
40. 4/11/2003 Miller v. Unumprovident Corp, et al Securities
39. 4/10/2003 Ferguson, et al v. Unumprovident, et al ERISA
38. 4/10/2003 Eisinger v. Merrill Lynch, et al ERISA
37. 4/10/2003 Marchant v. Faurecia Exhaust Sys, et al ERISA
36. 4/10/2003 Cooney v. UNUM Life Ins Co ERISA
35. 4/9/2003 Phelps v. Unumprovident Corp Insurance
34. 4/9/2003 Trevino, et al v. Provident Life/Accid, et al ERISA
33. 4/9/2003 Rose v. UNUM Life Insurance, et al Insurance
32. 4/9/2003 Farrish v. UNUM Life Insurance, et al Insurance
31. 4/8/2003 Gholston v. UNUM Life Insurance, et al Insurance
30. 4/8/2003 Caylor v. UNUM Life Insurance, et al Insurance
29. 4/8/2003 Zabilansky v. UNUM Life Insurance, et al ERISA
28. 4/8/2003 Lewis-Pearce v. Pocono Medical Center et al ERISA
27. 4/8/2003 Rudrud v. the Paul Revere Life, et al ERISA
26. 4/7/2003 Mannon v. Provident Life ERISA
25. 4/7/2003 Charles v. UNUM Provident Corp ERISA
24. 4/7/2003 Walker v. UNUM Life Insurance ERISA
23. 4/7/2003 Iannitelli v. UNUM Life Ins Co AM, et al ERISA
22. 4/4/2003 Patterson v. Chandler, et al Stockholders Suits
21. 4/4/2003 Delshad v. UNUM Life Insurance Company of America Insurance
20. 4/4/2003 Harris v. Unumprovident Corp, et al ERISA
19. 4/3/2003 Clan v. UNUM Life Ins Co, et al ERISA
18. 4/3/2003 Guzman v. Life Insurance, et al ERISA
17. 4/3/2003 UNUM Life Insurance v. Villanueva Other Contract
16. 4/3/2003 Derrick v. Southern Wine and, et al ERISA
15. 4/3/2003 Baker v. UNUM Life Insurance Insurance
14. 4/2/2003 Levy v. Chandler, et al Stockholders Suits
13. 4/2/2003 Kathleen Helena v. Cypros Pharm Co, et al Insurance
12. 4/2/2003 Cinda N Brown v. Unumprovident Corp, et al Insurance
11. 4/2/2003 Jackson v. UNUM Life Insurance ERISA
10. 4/2/2003 Xie v. UNUM Life Insurance ERISA
 9. 4/2/2003 Wykle v. Unumprovident Corp, et al ERISA
 8. 4/1/2003 Lao v. Hartford Life, et al ERISA
 7. 4/1/2003 Goff v. Ajilon Consulting, et al ERISA
 6. 4/1/2003 Christine Flores v. Dameron Hosp Assoc, et al Insurance
 5. 4/1/2003 UNUM Life Insurance v. Owens ERISA
 4. 4/1/2003 Blinn v. UNUM Life Ins Co of, et al Insurance
 3. 4/1/2003 Mattingly v. UNUM Life Insurance ERISA
 2. 4/1/2003 Thomas v. UNUM Life Insurance ERISA
 1. 4/1/2003 Hooper v. UNUM Life Insurance ERISA

UNUMPROVIDENT
 Sector: Financial Industry: Insurance (Accident & Health)
Date Filed Case Caption Nature of Suit
70. 3/31/2003 Mary Rigmaiden v. UNUM Life Ins Co of, et al Insurance
69. 3/31/2003 Meersma v. Sparrow Health System Long-Term Disability Plan et al ERISA
68. 3/31/2003 Unumprovident Corp v. McLester ERISA
67. 3/28/2003 Styron v. Unumprovident Corp ERISA
66. 3/28/2003 Phillips v. UNUM Life Insurance ERISA
65. 3/28/2003 Claxton v. UNUM Life Insur Co Insurance
64. 3/26/2003 Mitsakos v. Unumprovident Corp, et al Insurance
63. 3/26/2003 Kujat v. UNUM Life Insurance Company of America ERISA
62. 3/26/2003 Mullinax v. UNUM Life Insurance ERISA
61. 3/25/2003 Watts v. UNUM Life Insurance ERISA
60. 3/25/2003 Martinez v. UNUM Life Insurance, et al Insurance
59. 3/25/2003 Collings v. Paul Revere Life Ins, et al ERISA
58. 3/24/2003 Schneider v. UNUM Life Insurance Company of America Insurance
57. 3/24/2003 Holley v. UNUM Life Ins Co ERISA
56. 3/24/2003 Keyes v. UNUM Life Ins Co, et al ERISA
55. 3/24/2003 Jewson v. UNUM Life Insurance Insurance
54. 3/24/2003 Greenberg v. UNUM Life Insurance Company of America ERISA
53. 3/21/2003 Tesch v. UNUM Life Ins Co AM Insurance
52. 3/21/2003 McWilliams v. UNUM Life Ins Co Insurance
51. 3/21/2003 Powell v. UNUM Life Insurance ERISA
50. 3/20/2003 Ebright v. Epson Portland, Inc, Group Insurance Police et al ERISA
49. 3/20/2003 Lehman v. UNUM Life Insurance Company of America ERISA
48. 3/20/2003 Davis v. UNUM Life Insurance, et al Insurance
47. 3/20/2003 Prendergast v. UNUM Life Insurance ERISA
46. 3/19/2003 Rodgers-Pickens v. UNUM Life Ins Co, et al Insurance
45. 3/19/2003 Vohs v. UNUM Life Insurance Company of America ERISA
44. 3/19/2003 Robinson v. Unumprovident Corporation et al Insurance
43. 3/19/2003 Shurelds v. Wells Fargo & Company Long Term Disability Plan Et ERISA
42. 3/18/2003 Toppen v. UNUM Provident, et al Insurance
41. 3/18/2003 Casino v. New York Life Co, et al Insurance
40. 3/18/2003 Stolz v. Unumprovident Corp, et al Securities
39. 3/14/2003 Frederick v. UNUM Life Insurance Company of America ERISA
38. 3/14/2003 Kim v. UNUM Life Ins Co Insurance
37. 3/14/2003 Swihart v. UNUM Life Ins Co ERISA
36. 3/13/2003 Kuelthau v. Unumprovident Corp ERISA
35. 3/13/2003 Honeycutt v. UNUM Life Insurance Company of America ERISA
34. 3/13/2003 Demille v. Convergys Disability, et al ERISA
33. 3/13/2003 Bailey v. UNUM Provident Corp ERISA
32. 3/11/2003 Elias v. Unumprovident Corp, et al Securities
31. 3/11/2003 Hauser v. UNUM Life Insurance Insurance
30. 3/11/2003 Farrell v. UNUM Life Ins Co ERISA
29. 3/11/2003 Woods v. UNUM Life Insurance ERISA
28. 3/10/2003 Sanchez v. UNUM Life Ins Amer, et al ERISA
27. 3/10/2003 Schilling v. UNUM Life Insurance, et al Insurance
26. 3/10/2003 Switzer v. Rockwell Auto Inc, et al ERISA
25. 3/10/2003 Bradford v. UNUM Life Insurance ERISA
24. 3/10/2003 Turpin v. UNUM Life Insurance Company of America Insurance
23. 3/10/2003 Jinsky, Amey v. UNUM Life Insurance Company of America Insurance
22. 3/7/2003 Scott v. UNUM Life Insurance ERISA
21. 3/7/2003 Cerritelli v. UNUM Life Insurance ERISA
20. 3/7/2003 Crosby v. UNUM Life Insurance ERISA
19. 3/6/2003 Dawes v. UNUM Life Ins Co, et al Other Statutory Actions
18. 3/6/2003 Baylor v. Provident Life ERISA
17. 3/6/2003 Radford v. UNUM Life Ins Co, et al Insurance
16. 3/6/2003 Molesworth v. UNUM Life Insurance ERISA
15. 3/6/2003 McCain v. UNUM Life Insurance Company of America ERISA
14. 3/6/2003 Bryan v. Unumprovident Corp ERISA
13. 3/6/2003 Burford v. UNUM Life Insurance, et al Insurance
12. 3/5/2003 Kathleen Navarro v. UNUM Life Ins Co, et al Insurance
11. 3/5/2003 Regan, Michael v. UNUM Life Insurance Company of America Insurance
10. 3/4/2003 John R Cochran v. UNUM Life Ins Co, et al ERISA
 9. 3/4/2003 UNUM Life Insurance v. Toomey ERISA
 8. 3/4/2003 UNUM Life Insurance v. Gurrola, et al Insurance
 7. 3/4/2003 Silver v. UNUM Life Insurance Company of America ERISA
 6. 3/4/2003 Tannenbaum v. UNUM Life Insurance Company of America et al Insurance
 5. 3/4/2003 Thompson v. UNUM Life Insur Co Insurance
 4. 3/3/2003 Rolf Mauermann v. UNUM Life Insurance, et al ERISA
 3. 3/3/2003 Dobbs v. UNUM Life Ins Co ERISA
 2. 3/3/2003 Wells v. UNUM Life, et al ERISA
 1. 3/3/2003 Ketchum v. UNUM Life Ins Co, et al ERISA

Date Filed Case Caption Nature of Suit
70. 2/28/2003 Janice Kay Ludden v. Canterbury Capital, et al ERISA
69. 2/28/2003 Sanderford v. Unumprovident Corp Insurance
68. 2/28/2003 Bomar v. UNUM Life Insurance, et al ERISA
67. 2/28/2003 Clendening v. Unumprovident Corp ERISA
66. 2/27/2003 Martin v. Unumprovident Corp, et al Securities
65. 2/27/2003 Nadiminti v. Unumprovident Corp, et al Insurance
64. 2/27/2003 Loving v. UNUM Life Insurance, et al ERISA
63. 2/27/2003 Beatty v. UNUM Life Insurance Company of America ERISA
62. 2/27/2003 Winsor v. UNUM Life Insurance Company of America et al ERISA
61. 2/27/2003 Piazza v. UNUM Life Insurance Company of America et al ERISA
60. 2/26/2003 Morrell v. UNUM Life Insurance ERISA
59. 2/26/2003 Olmsted v. UNUM Life Ins Co AM ERISA
58. 2/26/2003 Deters v. UNUM Life Ins Co ERISA
57. 2/26/2003 Roberts v. UNUM Life Insurance Company of America Insurance
56. 2/25/2003 Graud v. UNUM Life Insurance, et al Insurance
55. 2/24/2003 Lerner v. Armstrong, et al Stockholders Suits
54. 2/24/2003 Felder v. Entergy Mississippi, et al ERISA
53. 2/24/2003 Douglas v. UNUM Life Ins Amer, et al ERISA
52. 2/20/2003 Cohen v. Unumprovident Corp ERISA
52. 2/20/2003 Tines v. UNUM Life Ins Amer ERISA Date Filed Case Caption Nature of Suit
51. 2/19/2003 Cafarelli v. UNUM Life Insurance Company of America et al Insurance
50. 2/19/2003 Nemhauser v. UNUM Life Insurance Insurance
49. 2/19/2003 Shuptrine v. UNUM Life Insurance, et al ERISA
48. 2/19/2003 Hicks v. UNUM Life Insurance, et al ERISA
47. 2/19/2003 Sheppard v. UNUM Life Ins Co ERISA
46. 2/19/2003 Davis et al v. Unumprovident Corporation et al ERISA
45. 2/19/2003 Caldwell v. UNUM Life Ins Co, et al ERISA
44. 2/18/2003 Goodwin v. UNUM Life Insurance Company of America Other Statutory Actions
43. 2/18/2003 Zook v. UNUM Life Ins Amer ERISA
42. 2/18/2003 Zemola v. UNUM Life Ins Co of ERISA
41. 2/18/2003 McManemin v. Unumprovident Corp ERISA
40. 2/14/2003 Keyser v. UNUM Life Ins Co AM Insurance
39. 2/14/2003 Rasner v. Unumprovident Corp, et al Securities
38. 2/14/2003 Bryan D Kerns v. UNUM Life Ins Co, et al Insurance
37. 2/14/2003 Berkley v. UNUM Life Ins Co Insurance
36. 2/14/2003 Wade v. Unumprovident Corporation et al ERISA
35. 2/14/2003 Smeed v. UNUM Life Insurance ERISA
34. 2/14/2003 Laboard v. UNUM Life Ins Co ERISA
33. 2/13/2003 Dwyer v. UNUM Life Ins Co ERISA
32. 2/13/2003 Wechsler v. Unumprovident Corp RICO
31. 2/13/2003 Wavercak v. UNUM Life Insurance, et al Insurance
30. 2/13/2003 Weber-Lowrie v. Unumprovident Corp ERISA
28. 2/12/2003 Dean v. UNUM Life Insurance ERISA
27. 2/12/2003 Medina et al v. Intel Corporation et al Insurance
26. 2/11/2003 Strauss v. UNUM Life Insurance, et al ERISA
25. 2/11/2003 Gutierrez v. UNUM Life Insurance ERISA
24. 2/11/2003 Kolody v. UNUM Life Insurance ERISA
23. 2/11/2003 Cole-Spencer v. Eckerds Corporation, et al ERISA
22. 2/11/2003 Owens v. UNUM Life Ins Co ERISA
21. 2/10/2003 Nalls v. Unumprovident Corpor, et al ERISA
20. 2/10/2003 Nardi v. UNUM Life Ins Co AM Insurance
19. 2/10/2003 Thompson v. UNUM Life Insurance Company of America Insurance
18. 2/7/2003 Impress Comm Inc, et al v. Unumprovident Corp, et al ERISA
17. 2/7/2003 Falksen v. UNUM Life Ins Co, et al ERISA
16. 2/7/2003 Liddy v. UNUM Life Insurance Company of America Insurance
15. 2/7/2003 Darragh-Marco v. Unumprovident Corporation et al ERISA
14. 2/7/2003 Johnson v. UNUM Life Ins ERISA
13. 2/7/2003 Thompson v. UNUM Life Ins Co, et al ERISA
12. 2/7/2003 Alexander Tynberg v. UNUM Life Ins Co, et al Insurance
11. 2/6/2003 Warwick, et al v. Unumprovident Corp, et al Insurance
10. 2/6/2003 Wise v. Kind & Knox Gelatine, et al ERISA
 9. 2/6/2003 Gamboa v. UNUM Life Insurance Insurance
 8. 2/5/2003 Diane Boucher v. UNUM Life Ins Co, et al Insurance
 7. 2/5/2003 Anthony v. UNUM Life Ins Co, et al Insurance
 6. 2/5/2003 Jones v. UNUM Life Insurance ERISA
 5. 2/5/2003 Griffin v. UNUM Life Insurance ERISA
 4. 2/4/2003 Glover v. Healthlink Med Trans, et al ERISA
 3. 2/4/2003 Smith v. UNUM Life Ins Co ERISA
 2. 2/4/2003 Tyler v. Dominion Trans Inc, et al ERISA
 1. 2/3/2003 Flax v. UNUM Life Ins Co ERISA

Date Filed Case Caption Nature of Suit

79. 1/31/2003 Weems v. UNUM Life Insurance Company of America Insurance
78. 1/31/2003 Wray v. UNUM Life Insurance, et al ERISA
77. 1/31/2003 Uptagrafft v. UNUM Life Ins Co ERISA
76. 1/31/2003 Gerleman v. Prison Health Services, Inc et al Employment
75. 1/30/2003 Herminio Reyes v. UNUM Life Ins Co, et al Insurance
74. 1/30/2003 Johnson v. Unumprovident Corp, et al ERISA
73. 1/30/2003 Williams v. UNUM Life Ins Co, et al ERISA
72. 1/29/2003 Tidwell v. Unumprovident Corp ERISA
71. 1/29/2003 Ho v. UNUM Life Insurance Company of America ERISA
70. 1/29/2003 Melia v. UNUM Life Insurance ERISA
69. 1/29/2003 Pioneer Life Insurance Company of Illinois v. American United Life Insurance Et Insurance
68. 1/29/2003 Haussler v. Unumprovident Corp Insurance
67. 1/28/2003 UNUM Life Insurance v. DAlessandro ERISA
66. 1/28/2003 Batronie v. UNUM Life Insurance ERISA
65. 1/27/2003 Witz v. UNUM Life Insurance Company of America Insurance
64. 1/24/2003 McGoodwin v. Puget Sound Radiolog, et al ERISA
63. 1/24/2003 Peterson v. UNUM Life Insurance Insurance
62. 1/24/2003 Peterson v. UNUM Life Insurance Insurance
61. 1/24/2003 Mitchell v. Unumprovident ERISA
60. 1/23/2003 Bond v. UNUM Life Insurance, et al ERISA
59. 1/22/2003 UNUM Life Ins Co v. Neice, et al Insurance
58. 1/22/2003 Guyton v. UNUM Life Insurance Company et al Insurance
57. 1/22/2003 Fjelstad v. Unumprovident Corporation et al Insurance
56. 1/22/2003 Story v. UNUM Life Insurance ERISA
55. 1/22/2003 Millard v. UNUM Life Ins Co ERISA
54. 1/22/2003 Davis v. UNUM Life Ins Co ERISA
53. 1/22/2003 Dillon v. UNUM Life Insurance ERISA
52. 1/21/2003 Wilson v. Willis Administrativ, et al ERISA
51. 1/21/2003 Harold Kirman v. UNUM Life Ins Co of, et al ERISA
50. 1/21/2003 Pasquini v. Desco Corp, et al ERISA
49. 1/21/2003 Mohler v. UNUM Life ERISA
48. 1/21/2003 Louviere v. Prudential Ins Co AM, et al ERISA
47. 1/21/2003 Kline v. UNUM Life Insurance, et al ERISA
46. 1/17/2003 Scardino v. Staffmark Inc, et al ERISA
45. 1/17/2003 Seta Dembekjian v. Unumprovident Corp, et al Insurance
44. 1/17/2003 Dixon v. UNUM Life Ins Co ERISA
43. 1/17/2003 Wilkinson v. UNUM Life Ins Co ERISA
42. 1/17/2003 George v. UNUM Life Ins Co ERISA
41. 1/17/2003 Boone v. UNUM Life Ins Co ERISA
40. 1/17/2003 Melton v. UNUM Life Ins Co ERISA
39. 1/17/2003 Pitts v. UNUM Life Ins Co ERISA
38. 1/17/2003 Mason v. Unionmutual Stock, et al Other Contract
37. 1/16/2003 Sheila R Dahle v. the Paul Revere Life, et al Insurance
36. 1/16/2003 Crutcher v. Martin, et al Insurance
35. 1/16/2003 Wilson v. UNUM Life Ins Co, et al Insurance
34. 1/15/2003 Kent Goodyear v. UNUM Life Ins Co of, et al Insurance
33. 1/15/2003 Dahlstrand v. Security Title Agenc, et al ERISA
32. 1/15/2003 Anthony G Nicolosi v. UNUM Life Ins Co of, et al ERISA
31. 1/15/2003 Kent Goodyear v. UNUM Life Ins Co of, et al Insurance
30. 1/15/2003 Clifford E Whitmore v. Frontier Telephone, et al ERISA
29. 1/15/2003 Nichols v. UNUM Life Insurance Company of America ERISA
28. 1/15/2003 UNUM Life Insurance v. Berry, et al ERISA
27. 1/14/2003 King v. Square D Co, et al ERISA
26. 1/13/2003 Harris v. Unumprovident Corp, et al Insurance
25. 1/13/2003 Sonmor v. UNUM Life Insurance Insurance
24. 1/13/2003 Didier v. UNUM Life Insurance Other Statutory Actions
23. 1/13/2003 Rogers v. UNUM Life Insurance ERISA
22. 1/10/2003 Pickering v. UNUM Life Ins Co, et al Insurance
21. 1/10/2003 White v. UNUM Life Insurance ERISA
20. 1/9/2003 Gardial v. UNUM Life Insurance ERISA
19. 1/9/2003 Rankin v. UNUM Life Ins Co ERISA
18. 1/8/2003 Davenport v. UNUM Life Insurance ERISA
17. 1/8/2003 Bennett v. UNUM Life Insurance Company of America et al ERISA
16. 1/7/2003 Reznik v. UNUM Life Insurance, et al ERISA
15. 1/7/2003 Donna M Ritter v. Unumprovident Corp, et al Insurance
14. 1/7/2003 White v. UNUM Life Ins Co Insurance
13. 1/7/2003 Martin Kornbloom v. Accton Comm, Erisa, et al ERISA
12. 1/6/2003 Pillai v. UNUM Life Insurance Insurance
11. 1/6/2003 Johnson v. St Marys Point, et al Insurance
10. 1/6/2003 Gross v. Unumprovident Corp ERISA
 9. 1/6/2003 OConnor v. UNUM Life Ins Co ERISA
 8. 1/3/2003 Mario Casalenuovo v. Unumprovident Corp, et al Insurance
 7. 1/3/2003 Davis v. UNUM Life Insurance ERISA
 6. 1/3/2003 Prisock v. Unumprovident Corp, et al ERISA
 5. 1/3/2003 Burch v. UNUM Life Insurance ERISA
 4. 1/3/2003 Lowance v. UNUM Life Ins Co ERISA
 3. 1/2/2003 Jeleh Mirhashemi v. UNUM Life Ins Co, et al Insurance
 2. 1/2/2003 Vezina v. Paul Revere Life Ins, et al Insurance
 1. 1/2/2003 Krantz v. UNUM Life Ins Co Insurance


UNUMPROVIDENT
(Accident & Health)

Date Filed Case Caption Nature of Suit

73. 12/31/2002 Casey v. Pierce, et al ERISA
72. 12/31/2002 Dickerson v. UNUM Life Ins Co ERISA
71. 12/30/2002 Cheryl Hansen v. Unumprovident Life &, et al Insurance
70. 12/30/2002 Epstein v. UNUM Life Ins Co ERISA
69. 12/30/2002 Harden v. UNUM Life Ins Co ERISA
68. 12/30/2002 Winston v. UNUM Life Insur Co Insurance
67. 12/30/2002 Friedman v. Unumprovident Corp Insurance
66. 12/30/2002 Hershey v. UNUM Life Insurance Company of America ERISA
65. 12/27/2002 Morris v. UNUM Life Insurance ERISA
64. 12/27/2002 Robert A Johnson v. Paul Revere Life Ins, et al Insurance
63. 12/27/2002 Specht v. UNUM Life Insurance Company of America Insurance
62. 12/27/2002 Ferrari v. Armstrong, et al Stockholders Suits
61. 12/26/2002 Morgan v. UNUM Life Insurance, et al Insurance
60. 12/26/2002 George Litteken v. UNUM Life Ins Co, et al Insurance
59. 12/26/2002 Kapphahn v. UNUM Life Insurance ERISA
58. 12/26/2002 Kravitz v. Unumprovident Corporation ERISA
57. 12/23/2002 Johnson v. Unumprovident Corp, et al ERISA
56. 12/23/2002 Meyer v. UNUM Life Ins Co ERISA
55. 12/23/2002 V Despain-Ketchie v. UNUM/Provident Corp, et al Insurance
54. 12/23/2002 Lancaster v. UNUM Life Insurance, et al ERISA
53. 12/23/2002 Denise Doobenen v. UNUM Life Ins Co, et al Insurance
52. 12/20/2002 Gahn v. Unumprovident Corp, et al ERISA
51. 12/20/2002 Coleman v. UNUM Life Insurance ERISA
50. 12/20/2002 Wallace v. UNUM Life Ins Co ERISA
49. 12/20/2002 Ross v. UNUM Life Ins Co ERISA
48. 12/19/2002 Wilson v. UNUM Life Ins Co Insurance
47. 12/19/2002 Ronald D Phillips v. Provident Life, et al Insurance
46. 12/19/2002 Cohill v. UNUM Life Insurance Company of America et al Insurance
45. 12/18/2002 Futamura, et al v. UNUM Life Ins Co Insurance
44. 12/18/2002 Pope v. UNUM Life Ins Co ERISA
43. 12/18/2002 Zorella v. UNUM Life Insurance Company of America ERISA
42. 12/18/2002 Randal v. UNUM Life Insurance Company of America et al ERISA
41. 12/18/2002 Wuerfel v. Paul Revere Life Ins, et al Insurance
40. 12/17/2002 Robinson v. Unumprovident Corp Insurance
39. 12/17/2002 Livecchi v. Unumprovident Corp Insurance
38. 12/17/2002 Copper v. UNUM Life Insurance ERISA
37. 12/17/2002 Gyori v. UNUM Provident Corporation ERISA
36. 12/17/2002 Daniel v. Unumprovident Corp ERISA
35. 12/17/2002 Miller v. Unumprovident Other Civil Rights
34. 12/16/2002 Dezego v. UNUM Life Ins Co ERISA
33. 12/13/2002 Burney v. UNUM Life Ins Co, et al ERISA
32. 12/13/2002 Browning v. New York Life Ins, et al Insurance
31. 12/13/2002 Russell v. UNUM Life Insurance, et al ERISA
30. 12/13/2002 Beatty v. UNUM Life Insurance ERISA
29. 12/13/2002 Hill-Mitchell, et al v. UNUM Life Insurane C, et al ERISA
28. 12/12/2002 Garcia v. UNUM Life Insurance Company of America et al Other Contract
27. 12/12/2002 Quaglino v. UNUM Life Ins Co ERISA
26. 12/11/2002 Holmes v. UNUM Life Insurance, et al Insurance
25. 12/10/2002 Francine K Hofflich v. UNUM Life Ins Co, et al ERISA
24. 12/10/2002 Remcheck, et al v. ERISA
23. 12/10/2002 Kratz v. UNUM Life Insurance ERISA
22. 12/10/2002 Lovetinsky v. UNUM Life Ins Co, et al ERISA
21. 12/10/2002 Handy v. UNUM Life Ins Co Insurance
20. 12/9/2002 Edwards v. Provident Life, et al ERISA
19. 12/9/2002 Johnson v. UNUM Life Insurance, et al ERISA
18. 12/9/2002 Powell v. UNUM Life Insurance ERISA
17. 12/9/2002 Smith v. UNUM Life Ins Co ERISA
16. 12/6/2002 Madigan v. UNUM Life Insurance Insurance
15. 12/6/2002 Charlotte Fisher v. UNUM Life Ins Co, et al ERISA
14. 12/6/2002 Lipson v. UNUM Life Insurance Company of America et al Insurance
13. 12/5/2002 Barbara Gedanke v. UNUM Life Ins Co of, et al ERISA
12. 12/5/2002 Birkel v. UNUM Life Ins Co ERISA
11. 12/4/2002 Shaw v. UNUM Life Insurance, et al ERISA
10. 12/4/2002 Bowerman v. UNUM Life Insurance Company of America et al ERISA
 9. 12/4/2002 Tague v. UNUM Life Insurance ERISA
 8. 12/4/2002 Staniek v. UNUM Life Insur Co Insurance
 7. 12/4/2002 Oldnall v. Paul Revere Life Ins, et al Other Contract
 6. 12/3/2002 Goddard v. UNUM Life Ins Co, et al ERISA
 5. 12/3/2002 Beavers v. UNUM Provident Corp, et al ERISA
 4. 12/3/2002 Doutrich v. UNUM Life Insurance Company of America ERISA
 3. 12/2/2002 Johnson v. UNUM Life Insurance ERISA
 2. 12/2/2002 Boyd-Davis v. Unumprovident Corp ERISA
 1. 12/2/2002 Cohne Rappaport & Se v. UNUM Life Ins Co Insurance
 
UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

66. 11/29/2002 Valentine v. Unumprovident ERISA
65. 11/29/2002 Halverson Applegate v. UNUM Life Ins Co Insurance
64. 11/27/2002 Gerald L Friend v. UNUM Life Ins Co of, et al ERISA
63. 11/27/2002 Ronald D Lessner v. Unumprovident Corp, et al Insurance
62. 11/27/2002 Schaeffer v. Albert Einstein Health Care Network et al ERISA
61. 11/27/2002 Clayton v. UNUM Life Ins Co ERISA
60. 11/26/2002 Christine Cattolica v. UNUM Life Ins Co, et al Insurance
59. 11/26/2002 Starkey v. UNUM Life Insurance ERISA
58. 11/26/2002 Harrison v. AT&T Broadband, et al ERISA
57. 11/25/2002 Scott v. UNUM Life Ins Co Insurance
56. 11/25/2002 Jones v. UNUM Life Ins Co Insurance
55. 11/25/2002 Roberta C White v. UNUM Life Ins Co, et al ERISA
54. 11/25/2002 Ambuehl v. UNUM Life Ins Co Insurance
53. 11/25/2002 McGarrity v. UNUM Life Insurance Company of America et al ERISA
52. 11/25/2002 Vassilakos v. UNUM Provident Corp, et al ERISA
51. 11/22/2002 Boer v. Unumprovident Corporation Other Statutory Actions
50. 11/22/2002 Tolman v. UNUM Life Ins Co ERISA
49. 11/22/2002 Law v. UNUM Life Ins Co ERISA
48. 11/22/2002 Thames v. UNUM Life Insurance ERISA
47. 11/22/2002 Alvarez v. Borden Insurance, et al ERISA
46. 11/21/2002 Holmes v. UNUM Life Insurance, et al Miscellaneous Cases
45. 11/21/2002 Sheryl Lewis v. UNUM Life Insurance, et al ERISA
44. 11/21/2002 Carrigan v. Provident Life, et al Insurance
43. 11/20/2002 Ramprasad Patniak v. Unumprovident Corp Insurance
42. 11/20/2002 Vivier v. New York Life, et al Insurance
41. 11/20/2002 Barksdale v. Unumprovident Corporation et al ERISA
40. 11/20/2002 Gadson v. White Consol Ind Inc, et al ERISA
39. 11/19/2002 Padula v. UNUM Life Insurance Company of America ERISA
38. 11/19/2002 Ruth v. First Fleet, Inc, et al ERISA
37. 11/18/2002 Rinehart v. UNUM Life Insurance ERISA
36. 11/18/2002 Magy Hanna v. UNUM Life Ins Co, et al Insurance
35. 11/18/2002 Klaes v. UNUM Life Insurance ERISA
34. 11/18/2002 Fraguio v. UNUM Life Insurance ERISA
33. 11/18/2002 Fister-Mesch v. Unumprovident Corp ERISA
32. 11/18/2002 Boisvert v. UNUM Life Insurance
31. 11/15/2002 Popper v. UNUM Life Insurance, et al ERISA
30. 11/15/2002 Hudson v. UNUM Life Insurance ERISA
29. 11/15/2002 Henderson v. UNUM Life Ins Co ERISA
28. 11/15/2002 Bragg v. UNUM Life Ins Co ERISA
27. 11/15/2002 Radcliff v. Precision Components Group et al Other Statutory Actions
26. 11/15/2002 Rachel v. UNUM Life Insurance ERISA
25. 11/14/2002 Michael B Sedgwick v. Provident Life, et al Insurance
24. 11/14/2002 Sadowsky v. UNUM Corporation, et al Other Statutory Actions
23. 11/13/2002 Palmer v. UNUM Life Insurance Company of America Other Statutory Actions
22. 11/13/2002 Detrick v. Fleet National Bank, et al ERISA
21. 11/12/2002 Sampson v. Unumprovident ERISA
20. 11/8/2002 Zgutowicz v. Unumprovident Corp, et al ERISA
19. 11/7/2002 Guerin v. Unumprovident Corporation et al ERISA
18. 11/7/2002 Quick v. Unumprovident Insurance
17. 11/7/2002 Killian v. UNUM Life Insurance ERISA
16. 11/7/2002 Barrios v. UNUM Life Insurance, et al ERISA
15. 11/7/2002 Emil v. UNUM Life Insurance Insurance
14. 11/5/2002 Jaffee v. UNUM Life Ins Co, et al Insurance
13. 11/5/2002 Czech v. UNUM Life Insurance Insurance
12. 11/5/2002 McCann v. UNUM Life Insurance ERISA
11. 11/5/2002 Scott v. UNUM Life Ins Co Insurance
10. 11/5/2002 Brereton v. Unumprovident Co, et al Insurance
 9. 11/5/2002 Premeaux v. Unumprovident Corp, et al Other Contract
 8. 11/4/2002 Keir, et al v. Unumprovident Corp, et al Insurance
 7. 11/4/2002 Lail v. America Online Inc, et al Other Statutory Actions
 6. 11/1/2002 Patricia Wohlgemuth v. Zebra Technology, et al ERISA
 5. 11/1/2002 Wilson v. UNUM Life Ins Co ERISA
 4. 11/1/2002 McNaughton v. UNUM Life Insurance ERISA
 3. 11/1/2002 Unumprovident v. Greggs-McQuilkin Insurance
 2. 11/1/2002 Moyers v. UNUM Life Insurance ERISA
1. 11/1/2002 Nickens v. Palm Harbor Homes, in, et al Insurance

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

94. 10/31/2002 Gramling v. UNUM Life Insurance ERISA
93. 10/31/2002 Debroff v. Unumprovident Corpor, et al Insurance
92. 10/31/2002 Clark v. UNUM Life Insurance ERISA
91. 10/31/2002 Needham v. Tenet Select Benefit, et al ERISA
90. 10/30/2002 Jolly v. UNUM Life Insurance, et al ERISA
89. 10/28/2002 Eschenfelder v. UNUM Life Insurance Insurance
88. 10/28/2002 Rollins v. Baptist Health, et al ERISA
87. 10/25/2002 UNUM Life Ins Co AM v. Wiley, et al ERISA
86. 10/25/2002 Sanchez v. Unumprovident Corp ERISA
85. 10/25/2002 Shaffer v. HRB MGMT Inc, et al ERISA
84. 10/24/2002 Michael Schreiber v. New York Life Ins, et al Insurance
83. 10/24/2002 Davis v. UNUM Life Insurance ERISA
82. 10/24/2002 Devaney v. UNUM Life Ins Co AM ERISA
81. 10/24/2002 Dettore v. UNUM Life Insurance, et al ERISA
80. 10/24/2002 Blank v. Progress Casting, et al ERISA
79. 10/24/2002 Vicens v. ABF Freight System et al ERISA
78. 10/23/2002 Darr v. UNUM Life Ins Co Insurance
77. 10/23/2002 Bryant v. Omnova Solutions Inc, et al ERISA
76. 10/22/2002 Hess v. UNUM Life Insurance, et al ERISA
75. 10/22/2002 Cutler v. UNUM Life Ins Amer, et al ERISA
74. 10/22/2002 Peoples v. UNUM Life Ins Co Insurance
73. 10/22/2002 Peterson v. Unumprovident Corp, et al Insurance
72. 10/22/2002 Loria v. Childrens Hospital, et al ERISA
71. 10/21/2002 Morris v. UNUM Life Insurance Insurance
70. 10/21/2002 Robison v. Columbus Regional Hospital et al ERISA
69. 10/21/2002 Spayer v. UNUM Life Insurance Company of America ERISA
68. 10/21/2002 Singh Malhi v. Paul Revere Life Insurance Company et al Insurance
67. 10/21/2002 Owens v. UNUM Life Insurance ERISA
66. 10/21/2002 Curtis v. UNUM Life Insurance ERISA
65. 10/18/2002 Okezie v. UNUM Life Insurance ERISA
64. 10/18/2002 Alley v. UNUM Life Ins Co, et al Insurance
63. 10/18/2002 Acklin v. Lightpath Tech et al ERISA
62. 10/18/2002 Fraser v. UNUM Life Ins Co ERISA
61. 10/18/2002 Patrick v. UNUM Life Ins Co, et al ERISA
60. 10/18/2002 Brannon v. Unumprovident Corp ERISA
59. 10/18/2002 Bennett v. UNUM Life Insurance, et al Insurance
58. 10/18/2002 Driver v. UNUM Life Ins Co, et al ERISA
57. 10/18/2002 Pitsch v. UNUM Life Insurance ERISA
56. 10/17/2002 Scott C Turner v. Unumprovident Corp, et al Insurance
55. 10/17/2002 Widdoes v. UNUM Life Insurance Insurance
54. 10/17/2002 Mirsky v. the Teradyne, Inc Long Term Disability Plan et al ERISA
53. 10/17/2002 UNUM Life Ins Co v. McDuell, et al ERISA
52. 10/17/2002 Jergins v. UNUM Life Insurance ERISA
51. 10/16/2002 Rebecca Banks v. UNUM Life Ins Co, et al ERISA
50. 10/16/2002 UNUM Life Insurance v. Smith, et al ERISA
49. 10/16/2002 Hill v. UNUM Life Insurance ERISA
48. 10/16/2002 Masters v. UNUM Life Insurance Company of America et al ERISA
47. 10/15/2002 Daniels v. Provident Life & ACC, et al ERISA
46. 10/15/2002 Barbara Dalmatoff v. UNUM Life Ins Co of, et al Insurance
45. 10/15/2002 Laura Lee v. UNUM Life Ins Co, et al Insurance
44. 10/15/2002 Begley v. UNUM Life Ins Co ERISA
43. 10/15/2002 Kaighn v. National Life of Vermont et al Insurance
42. 10/15/2002 Rosenblatt v. UNUM Provident, et al ERISA
41. 10/15/2002 Scott v. UNUM Life Insurance Insurance
40. 10/15/2002 Oliver v. Square D Company, et al ERISA
39. 10/15/2002 Yanus v. UNUM Life Insurance ERISA
38. 10/15/2002 Pelligrini v. UNUM Life Insurance Company of America et al Insurance
37. 10/15/2002 Hamby v. UNUM Life Insurance Other Contract
36. 10/11/2002 Rathsam v. UNUM Life Insurance ERISA
35. 10/11/2002 Therrien v. UNUM Life Insurance, et al ERISA
34. 10/10/2002 Mercer v. UNUM Life Ins Co, et al Insurance
33. 10/10/2002 E Villanueva, et al v. Provident Life & ACC, et al Insurance
32. 10/10/2002 Catanzano v. Unumprovident Corporation et al Insurance
31. 10/10/2002 Hill v. Thomas Jefferson University Hospital, Inc et al Insurance
30. 10/10/2002 Calhoun v. UNUM Life Ins Co ERISA
29. 10/10/2002 Sightler v. Devro Inc, et al ERISA
28. 10/9/2002 Williams v. UNUM Life Ins Co AM ERISA
27. 10/9/2002 Hirsch v. Paul Revere Life Ins, et al Insurance
26. 10/9/2002 Stacy, et al v. Unumprovident Corp, et al Insurance
25. 10/9/2002 Patrom v. UNUM Life Insurance, et al ERISA
24. 10/9/2002 Patrom v. UNUM Life Insurance, et al ERISA
23. 10/8/2002 McVay v. Lotus Long Term Disa, et al ERISA ERISA
22. 10/8/2002 Kenney v. UNUM Life Ins Amer, et al ERISA
21. 10/8/2002 McVay v. Lotus Long Term Disa, et al ERISA
20. 10/8/2002 Kenney v. UNUM Life Ins Amer, et al ERISA
19. 10/8/2002 Broadway v. UNUM Life Ins Co ERISA
18. 10/7/2002 Endres Parise v. UNUM Life Insurance, et al ERISA
17. 10/7/2002 Phillips v. UNUM Life Insurance ERISA
16. 10/7/2002 Combs v. UNUM Life Ins Co ERISA
15. 10/7/2002 Crawford v. UNUM Life Ins Co ERISA
14. 10/7/2002 Dill v. UNUM Life Insurance, et al ERISA
13. 10/7/2002 Savedge v. UNUM Life Ins Co ERISA
12. 10/4/2002 Nascimento v. UNUM Life Insurance, et al ERISA
11. 10/4/2002 Peter Radsch v. New England Mutual, et al Insurance
10. 10/4/2002 Spaziani v. Provident Life, et al Insurance
 9. 10/4/2002 Moore v. UNUM Life Insurance, et al Other Statutory Actions
 8. 10/4/2002 Bush v. UNUM Life Insurance, et al ERISA
 7. 10/4/2002 Stratton v. UNUM Life Insurance ERISA
 6. 10/3/2002 Lane v. UNUM Life Insurance, et al Insurance
 5. 10/3/2002 Lipowski v. Pentair, Inc Long-Term Disability Plan et al RICO
 4. 10/2/2002 Schmid v. UNUM Life Ins, et al ERISA
 3. 10/1/2002 Mallwitz v. Penn Ventilator Co, et al ERISA
 2. 10/1/2002 UNUM Life Insurance v. Holcombe, et al Insurance
1. 10/1/2002 McFadden v. UNUM Life Insurance Company of America Insurance
 
UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

54. 9/30/2002 Whitley v. Unumprovident Corp Insurance
53. 9/30/2002 Reese v. UNUM Life Insurance ERISA
52. 9/30/2002 East v. UNUM Life Ins Co ERISA
51. 9/30/2002 Speer v. UNUM Life Insurance Company of America ERISA
50. 9/30/2002 Whitley v. Unumprovident Corp Insurance
49. 9/30/2002 Reese v. UNUM Life Insurance ERISA
48. 9/30/2002 East v. UNUM Life Ins Co ERISA
47. 9/27/2002 Deaton v. UNUM Life Ins Co ERISA
46. 9/27/2002 Gallucci v. UNUM Life Insurance, et al ERISA
45. 9/27/2002 Mayes v. UNUM Life Insurance Company of America ERISA
44. 9/26/2002 Arre v. UNUM Life Insurance ERISA
43. 9/26/2002 Leah Childers v. UNUM Life Ins Co of, et al Insurance
42. 9/26/2002 Wall v. CDI Contractors LLC, et al ERISA
41. 9/26/2002 Pelfrey v. INA Bearing Company, et al ERISA
40. 9/26/2002 Kline v. Paul Revere Life, et al Insurance
39. 9/25/2002 Lynch, et al v. Unumprovident Corp Other Statutory Actions
38. 9/25/2002 Holny v. TRW, Inc et al ERISA
37. 9/25/2002 Goldstein v. UNUM Life Insurance ERISA
36. 9/24/2002 Robert R Campbell v. Colonial Life, et al Insurance
35. 9/24/2002 Edwardson v. UNUM Life Insurance, et al ERISA
34. 9/24/2002 Randall v. UNUM Life Insurance ERISA
33. 9/24/2002 Leker v. UNUM Life Insurance ERISA
32. 9/24/2002 Debreczeni v. UNUM Life Insurance, et al ERISA
31. 9/24/2002 Petticord v. UNUM Life Insurance Company of America ERISA
30. 9/23/2002 Sheridan v. UNUM Life Insurance, et al ERISA
29. 9/23/2002 Doseck v. UNUM Life Insurance Company of North America et al ERISA
28. 9/23/2002 Kayajanian v. UNUM Life Insurance ERISA
27. 9/23/2002 Jenkins v. Provident Life and A, et al Insurance
26. 9/23/2002 Sweat v. Unumprovident Insurance
15. 9/23/2002 Mendoza v. UNUM Life Insurance ERISA
24. 9/20/2002 Local No One Fund, et al v. Unumprovident Corp, et al ERISA
23. 9/20/2002 Jodianne Austin v. UNUM Life Ins Co, et al Insurance
22. 9/20/2002 Boler v. Unumprovident Corp Insurance
21. 9/20/2002 Wright v. UNUM Life Ins Co ERISA
20. 9/20/2002 Hamby v. UNUM Life Ins Co ERISA
19. 9/19/2002 Schwartz v. UNUM Life Insurance ERISA
18. 9/19/2002 Bolden v. UNUM Life Ins Co ERISA
17. 9/19/2002 Richman v. UNUM Life Insurance Company of America ERISA
16. 9/18/2002 Drago v. Unumprovident Corporation Insurance
15. 9/18/2002 Tillman v. Unumprovident Corp ERISA
14. 9/17/2002 Harrell v. UNUM Life Ins of AM ERISA
13. 9/13/2002 Sherman, et al v. UNUM Life Insurance, et al ERISA
12. 9/13/2002 Norris v. UNUM Life Insurance Insurance
11. 9/13/2002 Chandler v. UNUM Life Ins Co ERISA
10. 9/13/2002 Brown v. UNUM Life Ins ERISA
 9. 9/10/2002 Ernest I Reveal v. Unumprovident Corp, et al Insurance
 8. 9/9/2002 Gillotte v. UNUM Life Ins Co ERISA
 7. 9/6/2002 Lane v. Unumprovident Corpor ERISA
 6. 9/6/2002 Johnson v. UNUM Life Ins Co ERISA
 5. 9/6/2002 Padgett v. UNUM Life Ins Co ERISA
 4. 9/4/2002 Hall v. UNUM Life Insurance ERISA
 3. 9/4/2002 Fowler, et al v. Gillum, et al ERISA
 2. 9/3/2002 Swanson v. Provident Life, et al ERISA
 1. 9/3/2002 Hasenberg v. UNUM Life Insurance Company of America et al RICO

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

90. 8/30/2002 Hernandez v. UNUM Life Insurance, et al ERISA
89. 8/30/2002 Dennis v. Unumprovident Corp, et al ERISA
88. 8/30/2002 Myers v. UNUM Life Insurance ERISA
87. 8/30/2002 Latino v. UNUM Life Insurance, et al ERISA
86. 8/30/2002 Stelmach v. UNUM Life Insurance Company of America Insurance
85. 8/30/2002 Tilly v. Unumprovident Corp, et al Insurance
84. 8/30/2002 Letter v. Unumprovident Corp, et al Labor Litigation
83. 8/30/2002 Dunavan v. UNUM Life Ins Co ERISA
82. 8/29/2002 Burleigh v. Unumprovident Corp Insurance
81. 8/29/2002 Mills v. Unumprovident Corp, et al ERISA
80. 8/28/2002 Green v. UNUM Life Ins Co of ERISA
79. 8/28/2002 Gilbert v. UNUM Life Insurance Company of America Insurance
78. 8/28/2002 Patniak v. Unumprovident Corporation Insurance
77. 8/28/2002 In Re: McSharry Depo, et al v. Foreign Parties Miscellaneous Cases
76. 8/27/2002 Ireland v. UNUM Life Insurance ERISA
75. 8/27/2002 Stapleton v. UNUM Life Insurance ERISA
74. 8/27/2002 UNUM Life Insurance v. Harris Judgments
73. 8/26/2002 Davis v. UNUM Life Insurance Other Statutory Actions
72. 8/26/2002 Wadley v. Unumprovident Corporation Insurance
71. 8/26/2002 Jordan v. UNUM Life Insurance FOIA
70. 8/26/2002 Price v. Paul Revere Life Ins, et al Insurance
69. 8/26/2002 Chastain v. Unumprovident Corp ERISA
68. 8/26/2002 Watts v. UNUM Life Insurance, et al ERISA
67. 8/26/2002 Cox v. UNUM Life Insur Co Insurance
66. 8/26/2002 Nelson Monteleone v. UNUM Life Ins Co of, et al ERISA
65. 8/23/2002 Mark Rubins v. Natl Life of Vermont, et al Insurance
64. 8/23/2002 Robert P Meehan v. UNUM Life Ins Co of, et al Insurance
63. 8/23/2002 Snelling v. UNUM Life Ins Co ERISA
62. 8/23/2002 Lucatuorto v. UNUM Life Ins Co, et al Insurance
61. 8/23/2002 Bickel v. UNUM Life Ins Co ERISA
60. 8/23/2002 Crouch v. UNUM Life Insurance Insurance
59. 8/23/2002 Mace v. UNUM Life Ins of AM Insurance
58. 8/23/2002 Montgomery v. Paul Revere Life, et al Insurance
57. 8/23/2002 UNUM Life Ins Co v. Rudolph ERISA
56. 8/22/2002 Susan Dunn v. Netratings Inc Long, et al Insurance
55. 8/22/2002 Rizalina Magbitang v. UNUM Life Insurance, et al Insurance
54. 8/22/2002 Cheryl L Pedinoff v. UNUM Life Ins Co of, et al Insurance
53. 8/22/2002 Sandra Heidlebaugh v. UNUM Life Ins Co of, et al ERISA
52. 8/22/2002 Bouchedid v. UNUM Life Insurance, et al ERISA
51. 8/21/2002 Cole v. Unumprovident Corp ERISA
50. 8/21/2002 Schmidt v. UNUM Provident, et al ERISA
49. 8/2/2002 Maxson v. Unumprovident Corporation et al Insurance
48. 8/21/2002 Lanzbom v. Paul Revere Life Ins, et al Insurance
47. 8/21/2002 Cloyce Martin v. UNUM Life Insurance, et al Insurance
46. 8/21/2002 Graham v. UNUM Life Insurance ERISA
45. 8/20/2002 Sable v. UNUM Life Insurance Insurance
44. 8/20/2002 Rombeiro v. UNUM Life Insurance Company of America Insurance
43. 8/20/2002 Ashouripour v. UNUM Life Insurance ERISA
42. 8/19/2002 Caltieri v. UNUM Corporation, et al ERISA
41. 8/19/2002 Black, et al v. Unumprovident Corp ERISA
40. 8/19/2002 Thieler v. Unumprovident Corp, et al Insurance
39. 8/19/2002 Blake v. UNUM Life Insurance, et al ERISA
38. 8/19/2002 Thompson v. UNUM Life Insurance ERISA
37. 8/19/2002 Smith v. UNUM Life Insurance ERISA
36. 8/19/2002 Buyers v. UNUM Life Ins Co ERISA
35. 8/16/2002 White v. Unumprovident Corp ERISA
34. 8/16/2002 Bouvard v. UNUM Insurance
33. 8/15/2002 UNUM Life Insurance v. Dyson Insurance
32. 8/15/2002 Merilynn Keracher v. UNUM Life Ins Co, et al ERISA
31. 8/15/2002 Janice Kay Ludden v. Canterbury Capital, et al ERISA
30. 8/15/2002 Hill v. UNUM Life Insurance Company of America ERISA
29. 8/15/2002 Wurtzel, et al v. Unumprovident Corp Insurance
28. 8/15/2002 Taylor v. UNUM Life Ins Co ERISA
27. 8/14/2002 Wilkinson v. Georgia Bankers ASS, et al Insurance
26. 8/14/2002 Bettina Trider v. TRW Inc Long, et al Insurance
25. 8/13/2002 Antwine v. UNUM Life Insurance, et al Insurance
24. 8/13/2002 Pfister v. UNUM Life Insurance ERISA
23. 8/13/2002 David Hamilton v. AT&T Broadband Dis, et al ERISA
22. 8/12/2002 Wohlers v. UNUM Life Insurance ERISA
21. 8/12/2002 Means v. UNUM Life Insurance Insurance
20. 8/12/2002 Ross v. Wehco Media Inc Long, et al ERISA
19. 8/9/2002 Lisa Olivares v. UNUM Life Ins Co ERISA
18. 8/9/2002 Hiepler v. UNUM Provident Corp, et al Insurance
17. 8/9/2002 Sargent v. UNUM Life Insurance ERISA
16. 8/9/2002 Gutierrez v. UNUM Life Ins Co Insurance
15. 8/8/2002 Paul v. UNUM Life Insurance, et al Insurance
14. 8/8/2002 Garcia v. UNUM Life Ins CO, AM, et al ERISA
13. 8/6/2002 Ewig v. UNUM Life Insur Co ERISA
12. 8/6/2002 Glover v. UNUM Life Insurance Insurance
11. 8/5/2002 Reed v. UNUM Life Ins Co, et al ERISA
10. 8/5/2002 N Curry v. UNUM Life Insurance, et al Insurance
 9. 8/5/2002 Dedonato v. UNUM Life Insurance ERISA
 8. 8/2/2002 Aicher v. UNUM Life Insurance ERISA
 7. 8/2/2002 Reeves v. UNUM Life Ins Co ERISA
 6. 8/2/2002 Kohen v. UNUM Life Insurance Insurance
 5. 8/2/2002 Gary Rice v. Unumprovident Corp, et al Insurance
 4. 8/2/2002 Maxson v. Unumprovident Corporation et al Insurance
 3. 8/1/2002 Daunt v. UNUM Life Insurance Company of America et al ERISA
 2. 8/1/2002 Schultz et al ERISA
 1. 8/1/2002 Marston v. UNUM Life Insurance ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

87. 7/31/2002 OGwinn v. UNUM Life Insurance ERISA
86. 7/31/2002 Mayer v. Unumprovident Corp ERISA
85. 7/31/2002 Mizrahi v. Unumprovident Insurance
84. 7/31/2002 Hall v. Unumprovident Corp, et al ERISA
83. 7/31/2002 McCray v. UNUM Life Insurance ERISA
82. 7/30/2002 Graham v. UNUM Life Ins Co Insurance
81. 7/30/2002 Kortlang v. UNUM Life Insur Co ERISA
80. 7/29/2002 Noble v. Bombardier, Inc, , et al ERISA
79. 7/26/2002 Beck v. UNUM Life Ins Co ERISA
78. 7/26/2002 Blakeney v. UNUM Life Ins Co, et al ERISA
77. 7/26/2002 Arrand v. UNUM Life Ins Co ERISA
76. 7/25/2002 Lynch v. UNUM Life Insurance Company of America Insurance
75. 7/25/2002 Parlin v. UNUM Life Insurance, et al ERISA
74. 7/25/2002 Stevens v. UNUM Life Insurance ERISA
73. 7/24/2002 Moreau v. UNUM Life Insurance Insurance
72. 7/24/2002 Bay v. UNUM Life Insurance ERISA
71. 7/24/2002 Russo v. UNUM Life Ins Co ERISA
70. 7/23/2002 Soler v. UNUM Life Insurance Insurance
69. 7/22/2002 Jackson v. Provident Life and, et al ERISA
68. 7/22/2002 Wright v. UNUM Life Insurance, et al Miscellaneous Cases
67. 7/22/2002 UNUM Life Ins Co of v. Boris Braslavsky Insurance
66. 7/22/2002 UNUM Life Ins Co AM v. Schaffer Other Statutory Actions
65. 7/19/2002 Brewington v. UNUM Life Ins Co ERISA
64. 7/19/2002 Dickerson v. Unumprovident ERISA
63. 7/19/2002 Higgens v. UNUM Company, The et al ERISA
62. 7/19/2002 Finney v. Paul Revere Life Insurance Company et al Insurance
61. 7/19/2002 Salazar v. Unumprovident Corp, et al ERISA
60. 7/18/2002 Robertson v. UNUM Life Ins Co AM Insurance
59. 7/17/2002 Palmer v. UNUM Life Insurance, et al ERISA
58. 7/17/2002 Hall v. UNUM Life Insurance, et al Other Contract
57. 7/17/2002 Danhour v. UNUM Life Ins Co ERISA
56. 7/17/2002 Crum v. UNUM Life Ins Co ERISA
55. 7/17/2002 Yeakley v. UNUM Life Ins Amer Insurance
54. 7/17/2002 Greer-Tractenberg v. UNUM Life Insurance Insurance
53. 7/17/2002 Grimes v. UNUM Life Ins Co, et al Insurance
52. 7/16/2002 Salvaggio v. Unumprovident Corp Insurance
51. 7/16/2002 Nalls v. Unumprovident Corp, et al ERISA
50. 7/16/2002 McSharry v. Unumprovident Corp ERISA
49. 7/16/2002 Palmer v. UNUM Life Insurance, et al ERISA
48. 7/16/2002 Simmons v. UNUM Life Ins Co ERISA
47. 7/16/2002 Schu v. Unumprovident Corp ERISA
46. 7/15/2002 Cline v. UNUM Life Insurance ERISA
45. 7/15/2002 Schooley v. UNUM Life Insurance Company of America ERISA
44. 7/15/2002 Brenda J Johnson v. Unumprovident, et al ERISA
43. 7/15/2002 Veal v. Unumprovident Corpor ERISA
42. 7/12/2002 Ferguson v. Allfirst Financial, , et al ERISA
41. 7/12/2002 Brooks v. UNUM Life Insurance, et al ERISA
40. 7/12/2002 Kutz v. UNUM Life Insurance, et al ERISA
39. 7/12/2002 Pacioni v. UNUM Life Ins Amer, et al ERISA
38. 7/12/2002 Lewis Satloff v. Unumprovident Corp, et al Insurance
37. 7/12/2002 Mahoney v. UNUM Life Ins CO, AM ERISA
36. 7/12/2002 Knisely v. UNUM ERISA
35. 7/12/2002 Thornton v. New York Life Insurance Company et al Insurance
34. 7/12/2002 Hsiung v. Provident Life, et al Insurance
33. 7/12/2002 Jackson v. UNUM Life Insurance Company of America ERISA
32. 7/11/2002 Whitaker v. UNUM Life Insurance, et al ERISA
31. 7/11/2002 Weyrich v. Paul Revere Life, et al Insurance
30. 7/10/2002 Leah Whetstone v. Huntington Memorial, et al ERISA
29. 7/10/2002 Dietzel, et al v. Long Term Disab, et al ERISA
28. 7/10/2002 Ellis v. UNUM Life Ins Co, et al ERISA
27. 7/10/2002 Vadney v. UNUM Life Insurance ERISA
26. 7/10/2002 Thompson v. Unumprovident Corporation et al ERISA
25. 7/10/2002 Williams v. UNUM Life Insurance ERISA
24. 7/9/2002 Burlison v. UNUM Life Insurance ERISA
23. 7/9/2002 Bartman, et al v. UNUM Life Insurance, et al Insurance
22. 7/9/2002 Stoudt v. UNUM Life Insurance ERISA
21. 7/9/2002 Finn v. UNUM Life Ins Co ERISA
20. 7/9/2002 Vanessa D Smith v. Unumprovident Corp, et al Insurance
19. 7/8/2002 Orsak v. UNUM Life Insurance Company of America et al ERISA
18. 7/8/2002 Bordeaux v. UNUM Life Insurance Company of America et al ERISA
17. 7/8/2002 Mandel v. Unumprovident Corporation Insurance
16. 7/8/2002 Stacy A Kinsel, et al v. UNUM Life Ins Co of ERISA
15. 7/5/2002 Friedopfer v. Unumprovident ERISA
14. 7/5/2002 Mullinax v. UNUM Life Ins ERISA
13. 7/5/2002 Harrington v. Unumprovident Corp Insurance
12. 7/3/2002 Peterson v. Unumprovident Corp Insurance
11. 7/3/2002 Carol Noel v. UNUM Life Ins Co, et al Insurance
10. 7/3/2002 Wood v. UNUM Life Insurance ERISA
 9. 7/3/2002 UNUM Life Insurance v. Goldwater, et al Insurance
 8. 7/2/2002 McEvoy v. Corporate Software Inc Long Term Disability Plan E ERISA
 7. 7/2/2002 Laznow v. UNUM Life Insurance ERISA
 6. 7/2/2002 Vaughn v. Unumprovident Corporation ERISA
 5. 7/2/2002 Lagleva v. Sutter Health Group Long Term Disability Insurance ERISA
 4. 7/2/2002 Brown, et al v. Provident Life and, et al ERISA
 3. 7/1/2002 Johnson v. UNUM Life Insurance Company of America et al ERISA
 2. 7/1/2002 UNUM Life Insurance v. Almonte, et al ERISA
 1. 7/1/2002 Eisenstadt v. UNUM Life Insurance, et al ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

67. 6/28/2002 Moore v. UNUM Life Ins Co AM Insurance
66. 6/28/2002 Monroe-Trice v. UNUM Life Insurance, et al ERISA
65. 6/28/2002 Roberts v. UNUM Life Insurance ERISA
64. 6/28/2002 King v. UNUM Life Ins Co AM Insurance
63. 6/28/2002 Pierce v. UNUM Life Insurance Company of America Insurance
62. 6/28/2002 Disbrow v. UNUM Life Ins ERISA
61. 6/28/2002 Nakfour v. Unumprovident Corp Insurance
60. 6/27/2002 Whissen v. UNUM Life Insurance, et al Insurance
59. 6/26/2002 Clark v. Unumprovident Corp, et al ERISA
58. 6/26/2002 Hooker v. UNUM Life Ins Co Insurance
57. 6/26/2002 Metz v. UNUM Provident, et al ERISA
56. 6/26/2002 Rothman v. UNUM Life Ins Co Insurance
55. 6/25/2002 Jenkins v. UNUM Life Ins Co ERISA
54. 6/25/2002 Burns v. Federal Beef Proc, et al ERISA
53. 6/24/2002 Burton v. UNUM Life Ins Co ERISA
52. 6/24/2002 Kerton, et al v. Provident Life & ACC, et al Insurance
51. 6/21/2002 Quigley v. UNUM Life Ins Co ERISA
50. 6/21/2002 Schlotterbeck v. UNUM Life Ins Co ERISA
49. 6/20/2002 Williams et al v. UNUM Life Insurance Company of America ERISA
48. 6/20/2002 Ackerman v. Unumprovident Corporation et al ERISA
47. 6/19/2002 Thompson v. UNUM Life Ins Co ERISA
46. 6/19/2002 Robinson v. UNUM Life Ins Co Insurance
45. 6/19/2002 White, Pamela K v. UNUM Life Insurance Company ERISA
44. 6/18/2002 Ford v. Unumprovident Corp Insurance
43. 6/18/2002 Wittenborn et al v. Unumprovident Corporation ERISA
42. 6/18/2002 Bhatia v. 7 Eleven Short Term, et al ERISA
41. 6/14/2002 Amick v. UNUM Life Insurance Company of America et al ERISA
40. 6/14/2002 Doris Spratt v. UNUM Life Ins Co of, et al Insurance
39. 6/14/2002 Fielder v. UNUM Life Insurance ERISA
38. 6/14/2002 Haket v. Provident Life & Accident Insurance Co, et al Insurance
37. 6/13/2002 Louis Fratkin v. Unumprovident Corp, et al Employment
36. 6/13/2002 Morgutia v. UNUM Life Insurance, et al Insurance
35. 6/13/2002 Gordon v. UNUM Life Insurance ERISA
34. 6/12/2002 Gittings v. UNUM Life Insurance Insurance
33. 6/12/2002 Brockway v. UNUM Life Ins Amer ERISA
32. 6/12/2002 Hill v. Unumprovident Corp ERISA
31. 6/12/2002 Corrigan v. Input/Output Inc, et al ERISA
30. 6/11/2002 Drain v. Unumprovident Corp ERISA
29. 6/11/2002 John Neville Barlow v. Provident Life, et al Insurance
28. 6/11/2002 Horn v. UNUM Life Insurance, et al ERISA
27. 6/7/2002 Brown v. UNUM Life Insurance ERISA
26. 6/7/2002 Doty v. Carolina Power and, et al ERISA
25. 6/7/2002 UNUM Life Ins Co v. Shepard, et al ERISA
24. 6/7/2002 Fontenot v. UNUM Life Ins Co ERISA
23. 6/7/2002 Ranson v. UNUM Life Insurance ERISA
22. 6/10/2002 Holmes v. UNUM Life ERISA
21. 6/7/2002 UNUM Life Ins Co v. Harris, et al ERISA
20. 6/6/2002 Judith Denney v. UNUM Life Ins Co of, et al Insurance
19. 6/6/2002 UNUM Life Ins Co v. Torres, et al ERISA
18. 6/5/2002 Ransom v. Unumprovident Corp ERISA
17. 6/5/2002 Roth v. UNUM Life Insurance Company of America Insurance
16. 6/5/2002 Anderson v. Unumprovident Corporation et al Insurance
15. 6/5/2002 Greco v. UNUM Life Insurance ERISA
14. 6/5/2002 Unumprovident v. Strickland Insurance
13. 6/5/2002 Allison v. UNUM Life Co of Amer ERISA
12. 6/5/2002 Murphy, et al v. Unumprovident Insurance
11. 6/5/2002 Pelchat v. UNUM Life Insurance Company of America ERISA
10. 6/5/2002 Newell v. UNUM Life Insurance Company of America et al ERISA
 9. 6/4/2002 Carpenter v. UNUM Life Insurance ERISA
 8. 6/4/2002 Whisenhut v. UNUM Life Ins Co Insurance
 7. 6/4/2002 Norton v. UNUM Life Insurance Co of America ERISA
 6. 6/4/2002 Jewson v. UNUM Life Insurance ERISA
 5. 6/4/2002 Daniels v. UNUM Life Insurance ERISA
 4. 6/4/2002 Allen v. UNUM Life Insurance ERISA
 3. 6/3/2002 Morris v. UNUM Life Ins Co Insurance
 2. 6/3/2002 Owens v. UNUM Life Ins Co ERISA
 1. 6/3/2002 Dover v. UNUM Life Insurance ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

99. 5/31/2002 Buford v. UNUM Life Insurance Company of America ERISA
98. 5/31/2002 Bacon v. UNUM Life Insurance ERISA
97. 5/31/2002 Harris-Howard v. UNUM Life Insurance, et al ERISA
96. 5/31/2002 Miller v. UNUM Life Insurance Company of America ERISA
95. 5/31/2002 Hartman v. Wilkes-Barre General, et al Labor Litigation
94. 5/31/2002 Cross v. UNUM Life Insurance ERISA
93. 5/31/2002 King v. UNUM Life Insurance, et al ERISA
92. 5/31/2002 UNUM Life Insurance v. Creed ERISA
91. 5/30/2002 Hisken v. UNUM Life Ins Co, et al ERISA
90. 5/30/2002 Caicedo v. UNUM Life Insurance ERISA
89. 5/30/2002 Hisken v. UNUM Life Ins Co, et al ERISA
88. 5/30/2002 Windsor v. UNUM Life Insurance Company of America Insurance
87. 5/29/2002 Peterson v. UNUM Life Ins Amer, et al Insurance
86. 5/29/2002 Aylor v. UNUM Life Insurance ERISA
85. 5/29/2002 Brothers v. UNUM Life Insurance ERISA
84. 5/28/2002 Kravitz v. Unumprovident Corporation Insurance
83. 5/28/2002 Haase v. Unumprovident Corp, et al Insurance
82. 5/28/2002 Morgen v. UNUM Life Insurance ERISA
81. 5/28/2002 Rosenthal v. Unumprovident Corp, et al Miscellaneous Cases
80. 5/28/2002 Young v. Unumprovident Corp, et al Insurance
78. 5/24/2002 Bristol v. UNUM Life Ins Co ERISA
77. 5/24/2002 Coakley v. UNUM Life Insurance ERISA
76. 5/24/2002 Webb v. UNUM Life Insurance ERISA
75. 5/24/2002 Hollingsworth v. UNUM Life Ins Co ERISA
74. 5/24/2002 Pierce v. UNUM Life Ins ERISA
73. 5/24/2002 Coghill v. UNUM Life Ins Co ERISA
72. 5/23/2002 Green v. IC System, Inc, et al ERISA
71. 5/23/2002 Park v. UNUM Life Insurance Company of America Insurance
70. 5/23/2002 UNUM Life Ins Co AM v. Reed, et al Insurance
69. 5/23/2002 Lewis v. UNUM Life Ins Co AM Insurance
68. 5/23/2002 Johnson v. Pep Boys Manny, et al Other Civil Rights
67. 5/23/2002 Goddard v. UNUM Life Insurance Employment
66. 5/22/2002 Cameron v. UNUM Life Ins Co ERISA
65. 5/22/2002 UNUM Life Ins Co v. Rudolph ERISA
64. 5/22/2002 Santino v. UNUM Life Ins Co ERISA
63. 5/22/2002 Tapia v. UNUM Life Insurance Other Statutory Actions
62. 5/22/2002 Aurichio v. UNUM Life Ins Co ERISA
61. 5/21/2002 UNUM Life Insurance v. McCray ERISA
60. 5/21/2002 Lezlie Hernandez v. MTI Technology Corp, et al Insurance
59. 5/21/2002 Murphy v. Unumprovident Corp ERISA
58. 5/21/2002 UNUM Life Insurance v. Franco Judgments
57. 5/20/2002 Carrie Edwards v. UNUM Life Ins Co, et al ERISA
56. 5/20/2002 Steed v. UNUM Life Insurance ERISA
55. 5/20/2002 Bradford Andrus v. Unilever Group, et al ERISA
54. 5/17/2002 UNUM Life Ins Co of v. Joann Patton, et al Insurance
53. 5/17/2002 Berry v. UNUM Life Ins Co ERISA
52. 5/17/2002 Mather v. UNUM Life Insurance, et al ERISA
51. 5/17/2002 Bennett v. UNUM Life Ins Co ERISA
50. 5/17/2002 Palmer v. Banknorth Group Inc, et al Insurance
49. 5/16/2002 Roe v. UNUM Life Insurance, et al ERISA
48. 5/16/2002 Johnson v. Pep Boys Manny, et al Other Civil Rights
47. 5/16/2002 Eaton v. UNUM Life Insurance ERISA
46. 5/16/2002 Overfield, Karen L v. UNUM Life Insurance Company ERISA
45. 5/16/2002 Gilbert v. Unumprovident Corp, et al ERISA
44. 5/15/2002 Graves v. Unumprovident Corp ERISA
43. 5/15/2002 Radzwion, et al v. UNUM Life Ins Co Other Contract
42. 5/15/2002 Wilkinson v. UNUM Ins Co of Amer, et al ERISA
41. 5/15/2002 Donohue v. UNUM Life Insur Co ERISA
40. 5/15/2002 Sexton v. UNUM Life Insurance Company of America ERISA
39. 5/15/2002 Cunningham, et al v. UNUM Life Insurance ERISA
38. 5/15/2002 Ellington v. UNUM Life Insurance ERISA
37. 5/14/2002 Tolley v. UNUM Life Ins ERISA
36. 5/14/2002 Queen v. UNUM Life Insurance ERISA
35. 5/14/2002 Sullivan v. UNUM Life Ins Co AM Insurance
34. 5/14/2002 Galloway v. UNUM Life Ins Co ERISA
33. 5/14/2002 Stevens v. UNUM Life Ins Amer, et al ERISA
32. 5/14/2002 Liberty v. UNUM Life Insurance Company of America ERISA
31. 5/14/2002 Wesley v. UNUM Life Insurance Company of America ERISA
30. 5/13/2002 Bean v. Unumprovident Corp, et al ERISA
29. 5/13/2002 Hodge v. Unumprovident Corp, et al ERISA
28. 5/13/2002 Jordan Young v. Provident Life & ACC, et al Insurance
27. 5/13/2002 Beverly Heath v. UNUM Life Insurance, et al Insurance
26. 5/13/2002 Short v. UNUM Life Ins Co Insurance
25. 5/13/2002 Meola v. UNUM Life Insurance ERISA
24. 5/13/2002 Moren v. Brown Raysman, et al ERISA
23. 5/13/2002 UNUM Life Ins Co v. Ament Insurance
22. 5/10/2002 Hawks v. UNUM Life Insurance, et al ERISA
21. 5/10/2002 Simpson v. UNUM Life Insurance, et al Other Statutory Actions
20. 5/10/2002 Marks v. Micron Technology, et al ERISA
19. 5/10/2002 Overfield, Karen L v. UNUM Life Insurance Company of ERISA
18. 5/9/2002 Duckworth v. UNUM Life Insurance Company of America ERISA
17. 5/8/2002 Bell v. UNUM Life Insurance ERISA
16. 5/8/2002 Turnbull v. UNUM Life Insurance, et al ERISA
15. 5/8/2002 Pritchett v. UNUM Life Insurance Company of America ERISA
14. 5/8/2002 Whorton v. Unumprovident Corp, et al Insurance
13. 5/8/2002 Johnson v. Baptist Memorial, et al ERISA
12. 5/7/2002 Bratton v. UNUM Life Insurance Insurance
11. 5/7/2002 Jenkins, et al v. UNUM Life Ins Co Insurance
10. 5/7/2002 Brisson v. Unumprovident Corp ERISA
 9. 5/6/2002 David Weinman v. UNUM Life Ins Co, et al ERISA
 8. 5/6/2002 Jackson v. UNUM Life Insurance ERISA
 7. 5/3/2002 Watts v. Unumprovident Corp, et al ERISA
 6. 5/2/2002 Farkas v. UNUM Life Insurance Company of America et al ERISA
 5. 5/3/2002 Ahmed v. UNUM Life Ins Co, et al ERISA
 4. 5/2/2002 Dondero v. Unumprovident Corp ERISA
 3. 5/1/2002 Margrave v. Unumprovident ERISA
 2. 5/1/2002 Seltser v. Unumprovident Corp Insurance
 1. 5/1/2002 Myers v. UNUM, et al ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

93. 4/30/2002 Joel W Fishman v. UNUM Life Ins Co of, et al Insurance
92. 4/30/2002 Goldsmith v. UNUM Life Insurance ERISA
91. 4/30/2002 Cutler v. UNUM Life Insurance Company of America et al Insurance
90. 4/30/2002 McGee v. Unumprovident Corp ERISA
89 4/29/2002 UNUM Life Insurance v. George, et al Insurance
88. 4/29/2002 Randolph v. UNUM Life Insurance ERISA
87. 4/29/2002 Karen Boan v. UNUM Life Ins Co, et al Insurance
86. 4/29/2002 UNUM Life Insurance v. Carson ERISA
85. 4/29/2002 Hazelwood v. UNUM Life Ins Co, et al ERISA
84. 4/29/2002 Alvarez v. Borden Insurance, et al ERISA
83. 4/26/2002 Batman, Kevin v. UNUM Life Insurance Company of Insurance
82. 4/26/2002 McKinney v. UNUM Life Insurance Insurance
81. 4/26/2002 Dawson v. UNUM Life Insurance, et al ERISA
80. 4/26/2002 Richard Peterson v. UNUM Life Ins Co, et al Insurance
79. 4/26/2002 Powell v. UNUM Life Insurance ERISA
78. 4/26/2002 UNUM Life Insurance v. Brewer ERISA
77. 4/26/2002 Hamshar v. UNUM Life Insurance ERISA
76. 4/25/2002 Bell v. Unumprovident Corpor, et al Insurance
75. 4/25/2002 Orr v. UNUM Life Insurance Company of America et al ERISA
74. 4/25/2002 Mease v. UNUM Life Insurance Company of America ERISA
73. 4/24/2002 Kirtida S Thakker v. UNUM Life Ins Co, et al Insurance
72. 4/24/2002 Evelyn Guirsch v. UNUM/Provident Corp, et al Insurance
71. 4/24/2002 Deputy v. Long-Term Disability Plan of Sponsor Aventis Pharm ERISA
70. 4/24/2002 UNUM Life Ins Co AM v. Johnson, et al Insurance
69. 4/24/2002 Perdue v. Cabell Huntington, et al ERISA
68. 4/24/2002 Cambria v. Group Long Term Disability Plan for Employees of D ERISA
67. 4/23/2002 Richards v. First UNUM Life ERISA
66. 4/23/2002 Yolanda Deleon v. UNUM Life Ins Co, et al Insurance
65. 4/23/2002 Hargett v. UNUM Life Ins Co ERISA
64. 4/22/2002 Hudock v. UNUM Life Insurance ERISA
63. 4/22/2002 Robert Westerman v. UNUM Life Ins Co, et al ERISA
62. 4/22/2002 UNUM Life Insurance v. Jackson, et al Insurance
61. 4/19/2002 Marshall v. UNUM Life Ins Amer, et al ERISA
60. 4/19/2002 Whitlock v. UNUM Life Ins Co ERISA
59. 4/19/2002 Mode v. UNUM Life Ins Co ERISA
58. 4/19/2002 UNUM Life Insurance v. Johnson, et al ERISA
57. 4/19/2002 Miller v. UNUM Life Insurance Company of America ERISA
56. 4/18/2002 Gerald S Rellick v. UNUM Life Insurance, et al Insurance
55. 4/18/2002 Caras v. UNUM Life Ins Co, et al Insurance
54. 4/17/2002 Hardies v. UNUM Life Insurance Company of America Insurance
53. 4/17/2002 Sahin v. First UNUM Life Ins ERISA
52. 4/17/2002 Irvin v. Provident Life & ACC Insurance
51. 4/17/2002 Laura Stephenson v. UNUM Life Ins Co, et al Insurance
50. 4/17/2002 Delia S Rosete v. Unihealth Amer Self, et al ERISA
49. 4/15/2002 Corvalan v. UNUM Life Insurance ERISA
48. 4/15/2002 Corvalan v. UNUM Life Insurance ERISA
47. 4/15/2002 Leach v. Unumprovident Corp, et al Insurance
46. 4/15/2002 Willihnganz v. UNUM Life Ins Co Insurance
45. 4/15/2002 Engel v. UNUM Life Insurance ERISA
44. 4/15/2002 Torres v. UNUM Life Ins Co ERISA
43. 4/12/2002 The Nova Group, et al v. Unumprovident Corp ERISA
42. 4/12/2002 Pratt v. UNUM Life Ins Co ERISA
41. 4/12/2002 Anderson v. Provident Life and A Insurance
40. 4/11/2002 Davis v. Unumprovident ERISA
39. 4/11/2002 Deangelis v. UNUM Life Insurance ERISA
38. 4/11/2002 Shupe v. UNUM Life Insurance ERISA
37. 4/11/2002 Crouse v. UNUM Life Insurance ERISA
36. 4/11/2002 Devlin v. Summit Bancorp Plan, et al ERISA
35. 4/11/2002 Klein v. Unumprovident Corpor, et al Insurance
34. 4/10/2002 Tucker v. Unumprovident ERISA
33. 4/10/2002 Far v. UNUM Life Ins Amer, et al Insurance
32. 4/10/2002 Hartwick v. Metropolitan Life, et al Insurance
31. 4/10/2002 Waggener v. UNUM Life Insurance ERISA
30. 4/10/2002 Jury v. UNUM Life Ins Co, et al ERISA
29. 4/9/2002 Trimai v. Unumprovident Corp, et al ERISA
28. 4/9/2002 Rachford v. UNUM Life Insurance, et al ERISA
27. 4/9/2002 McCormick v. UNUM Life Ins Co, et al ERISA
26. 4/9/2002 UNUM Life Ins Co, et al v. Cunningham ERISA
25. 4/8/2002 Outler v. Unumprovident Corp Insurance
24. 4/8/2002 Woody v. Baptist Health, et al ERISA
23. 4/8/2002 Capresecco v. UNUM Life Insurance ERISA
22. 4/8/2002 Ranson v. UNUM Life Insurance ERISA
21. 4/8/2002 Astilla v. UNUM Life Ins Co Insurance
20. 4/8/2002 Golden v. Unumprovident Corp ERISA
19. 4/5/2002 Walker v. UNUM Life Insurance, et al ERISA
18. 4/5/2002 Pirolli v. UNUM Life Insurance ERISA
17. 4/5/2002 Barnett v. Unumprovident Corp ERISA
16. 4/5/2002 Villar v. UNUM Life Insurance ERISA
15. 4/5/2002 Palmer v. UNUM Life Insurance ERISA
14. 4/4/2002 Capulong v. Provident Life & Accident Insurance Company et al Insurance
13. 4/4/2002 UNUM Life Ins Co v. Clement ERISA
12. 4/4/2002 Kaye v. UNUM Life Insurance ERISA
11. 4/4/2002 Higgins v. UNUM Life Insurance, et al ERISA
10. 4/4/2002 Walker v. UNUM Life Ins Co ERISA
 9. 4/4/2002 Glasgow, et al v. Methodist Healthcare, et al ERISA
 8. 4/3/2002 Fletcher v. UNUM Life Insurance ERISA
 7. 4/3/2002 Heilner v. Paul Revere Life Ins, et al Insurance
 6. 4/2/2002 Gosa v. UNUM Life ERISA
 5. 4/1/2002 Francis Lopes v. UNUM Life Ins Co of, et al Insurance
 4. 4/1/2002 Martin Kornbloom v. Accton Comm, Erisa, et al ERISA
 3. 4/1/2002 Carol Fischer v. UNUM Life Ins Co of, et al Insurance
 2. 4/1/2002 Lezlie Hernandez v. MTI Technology Corp, et al Insurance
 1. 4/1/2002 Strichko v. UNUM Life Insurance ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

84. 3/29/2002 Best v. Unumprovident Corp Insurance
83. 3/29/2002 Hadaway v. UNUM Life Insurance ERISA
82. 3/29/2002 UNUM Life Insurance v. Rogge Insurance
81. 3/29/2002 Rodriguez v. UNUM Life Insurance ERISA
80. 3/28/2002 Arthur L Fries v. Provident Life, et al Insurance
79. 3/29/2002 McKee v. UNUM Life Ins Co ERISA
78. 3/28/2002 Cash v. Baptist Health, et al ERISA
77. 3/28/2002 Youngblood v. Modern Woodmen Amer, et al ERISA
76. 3/28/2002 Chase v. UNUM Life Insurance Company of America Other Statutory Actions
75. 3/27/2002 Diane Rodriguez v. Tellkamp Systems Inc, et al
74. 3/27/2002 Bailey v. UNUM Life Ins Co Personal Injury
73. 3/27/2002 Radel, Gina K on Behalf of v. UNUM Life Insurance Company ERISA
72. 3/27/2002 UNUM Life Ins Co v. Sheridan Insurance
71. 3/27/2002 Davey v. UNUM Life Ins Co ERISA
70. 3/27/2002 Campos, et al v. UNUM Life Insurance ERISA
69. 3/26/2002 Cobler v. Miami Valley Hosp, et al ERISA
68. 3/28/2002 Hughes v. UNUM Life Insurance ERISA
67. 3/26/2002 Cooper v. UNUM Life Insurance Company of America et al InsuranceERISA
66. 3/26/2002 Palmer v. Weyerhaeuser Company, et al ERISA
65. 3/26/2002 Profitt v. Weblink Wireless Inc, et al ERISA
64. 3/26/2002 McLaughlin v. UNUM Life Insurance, et al ERISA
63. 3/25/2002 Strauss v. UNUM Life Insurance ERISA
62. 3/25/2002 Foreman v. Paul Revere Life, et al Insurance
61. 3/25/2002 Okoye v. Unumprovident Corporation ERISA
60. 3/25/2002 Hutchins v. UNUM Life Ins Co ERISA
59. 3/25/2002 Starnes v. UNUM Life Ins Co ERISA
58. 3/22/2002 Dailey v. Unumprovident Corp Insurance
57. 3/22/2002 Tarpey v. UNUM Life Insurance ERISA
56. 3/22/2002 Rosas, et al v. UNUM Life Insurance ERISA
55. 3/21/2002 Neelon, et al v. UNUM Life Insurance Insurance
54. 3/21/2002 Shearer v. Unumprovident Corp ERISA
53. 3/21/2002 Gibbons v. UNUM Life Insurance Compay of America Insurance
52. 3/20/2002 Ray v. UNUM Life Insurance ERISA
51. 3/20/2002 Carol Steinbacher v. Aerospace Corp, et al ERISA
50. 3/20/2002 Delia S Rosete v. Unihealth Amer Self, et al ERISA
49. 3/20/2002 Mallory v. UNUM Life Insurance Company of America ERISA
48. 3/19/2002 Hazbun v. Equistar Chemical, et al ERISA
47. 3/19/2002 Akins v. UNUM Life Ins Co, et al ERISA
46. 3/18/2002 Miller v. UNUM Life Insurance Insurance
45. 3/18/2002 Weber v. UNUM Life Ins Co ERISA
44. 3/15/2002 Joyce G Wagemann v. UNUM Life Ins Co of, et al Insurance
43. 3/15/2002 Mitchell v. UNUM Life Insurance Company of America Insurance
42. 3/15/2002 Mandell v. Unumprovident Corp ERISA
41. 3/15/2002 Bradford v. UNUM Life Ins Co ERISA
40. 3/15/2002 Brown, Steven L v. Unumprovident Corporation Insurance
39. 3/15/2002 Mann v. UNUM Life Insurance Insurance
38. 3/14/2002 Elspeth Thompson-Kan v. UNUM Life Ins Co, et al ERISA
37. 3/14/2002 Boulis v. Unumprovident Corp ERISA
36. 3/14/2002 Langevin v. UNUM Life Ins CO, AM ERISA
35. 3/14/2002 GO v. UNUM Life Ins Amer ERISA
34. 3/13/2002 Patrick Monahan v. Electro-Test Inc, et al Insurance
33. 3/13/2002 Howard v. UNUM Life Ins Co ERISA
32. 3/13/2002 Vargas v. UNUM Life Insurance, et al Other Statutory Actions
31. 3/7/2002 Parise v. UNUM Life Insurance ERISA
30. 3/13/2002 Locastro, et al v. Paul Revere Life, et al Insurance
29. 3/13/2002 Goodson v. UNUM Life Insurance ERISA
28. 3/13/2002 Hagan v. UNUM Life Ins Co ERISA
27. 3/13/2002 Mangrum v. UNUM Life Ins Co ERISA
26. 3/13/2002 Wood v. UNUM Life Ins Co ERISA
25. 3/13/2002 McCastler v. UNUM Life Ins Co ERISA
24. 3/1/2002 Benton v. Provident Life Insurance
23. 3/11/2002 Dottore v. UNUM Life Insurance, et al ERISA
22. 3/11/2002 Revello v. Unumprovident Corp ERISA
21. 3/8/2002 Haverback v. Compaction America, et al ERISA
20. 3/8/2002 Gardner v. Unumprovident Corp Other Contract
19. 3/7/2002 Bridges v. Paul Revere Life Ins ERISA
18. 3/7/2002 Pickering v. Office Depot, Inc et al ERISA
17. 3/7/2002 Kenney v. UNUM Life Ins Co ERISA
16. 3/7/2002 Lusk v. Lubys Cafeterias Inc, et al ERISA
15. 3/6/2002 Latula v. UNUM Life Insurance Company of America Insurance
14. 3/5/2002 Jensen v. UNUM Life Ins Co ERISA
13. 3/5/2002 Henderson v. Unumprovident ERISA
12. 3/5/2002 Leonard v. UNUM Life Insurance ERISA
11. 3/5/2002 Dempsey v. Unumprovident Corp, et al ERISA
10. 3/5/2002 Steinberg v. Unumprovident Corp, et al ERISA
 9. 3/4/2002 Agarwal v. UNUM Life Ins Co AM Labor Litigation
 8. 3/4/2002 Zema v. Unumprovident Corporation ERISA
 7. 3/4/2002 Billings v. UNUM Life Insurance Insurance
 6. 3/4/2002 Clerkin v. UNUM Life Insurance ERISA
 5. 3/1/2002 Hughes v. UNUM Life Ins Co, et al Insurance
 4. 3/1/2002 Purnell v. Unumprovident, et al ERISA
 3. 3/1/2002 Harris v. First UNUM Life, et al Other Statutory Actions
 2. 3/1/2002 Coolidge v. UNUM Life Ins Co ERISA
 1. 3/1/2002 Tolar v. UNUM Life Insurance Company of America ERISA
 
UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

71. 2/28/2002 Miller v. UNUM Life Insurance, et al Insurance
70. 2/28/2002 Kelco, Inc v. UNUM Life Ins Co Insurance
69. 2/28/2002 Holzschuh v. UNUM Life Insurance, et al ERISA
68. 2/27/2002 UNUM Life Insurance v. Pinnix, et al ERISA
67. 2/27/2002 Shutler v. UNUM Life Ins Co ERISA
66. 2/27/2002 Stewart v. UNUM Life Ins Co Insurance
65. 2/26/2002 Reliance Admin v. Ardan Group, Ltd, et al Other Contract
64. 2/26/2002 Harrell v. UNUM Life Insurance Company of America ERISA
63. 2/26/2002 Mary Monica Marquez v. Provident Life, et al Insurance
62. 2/25/2002 Bunn v. Unumprovident Corp ERISA
61. 2/25/2002 Hofer v. UNUM Life Ins Co AM Insurance
60. 2/25/2002 Rogers v. UNUM Life Insurance Company of America ERISA
59. 2/25/2002 James Janco v. Republic Industries, et al ERISA
58. 2/25/2002 Deloomy v. UNUM Life Insurance ERISA
57. 2/25/2002 Seelow v. UNUM Life Ins Co ERISA
56. 2/22/2002 Tasman v. UNUM Life Insurance Insurance
55. 2/22/2002 Sina Tafao v. UNUM Life Ins Co, et al Insurance
54. 2/22/2002 Lussier v. UNUM Sales Corporati ERISA
53. 2/22/2002 Chamberlain, et al v. Unumprovident Corp, et al Insurance
52. 2/22/2002 Malosh v. UNUM Life Insurance, et al Insurance
51. 2/21/2002 Nguyen v. UNUM Life Insurance Insurance
50. 2/21/2002 Lawrence v. Longwood Industries, et al ERISA
49. 2/20/2002 Scott v. UNUM Life Insurance Insurance
48. 2/20/2002 McCullough, Linda M v. UNUM Life Insurance Company ERISA
47. 2/20/2002 Wisner v. Unumprovident ERISA
46. 2/20/2002 Beynon v. UNUM Life Ins Co, et al Insurance
45. 2/20/2002 Martin v. Bunzl Dist USA Inc, et al ERISA
44. 2/19/2002 Albertson v. UNUM Life Insurance Company of America et al ERISA
43. 2/19/2002 Fulkerson v. UNUM Life Ins Co ERISA
42. 2/19/2002 Avery v. UNUM Provident et al Insurance
41. 2/19/2002 Hunt v. UNUM Life Ins ERISA
40. 2/15/2002 Sargent v. UNUM Life Insurance, et al ERISA
39. 2/15/2002 Cutter v. UNUM Life Insurance, et al ERISA
38. 2/15/2002 Gagnon v. UNUM Life Insurance, et al ERISA
37. 2/15/2002 Bauer v. UNUM Life Ins Co ERISA
36. 2/14/2002 Hollaway v. UNUM Life Insurance ERISA
35. 2/14/2002 Strach v. Aventis Bio-Services, et al ERISA
34. 2/14/2002 Brock v. Unumprovident Corp ERISA
33. 2/14/2002 Fritz v. UNUM Life Insurance Company of America et al Insurance
32. 2/14/2002 Yohe v. Square D Company, et al ERISA
31. 2/14/2002 Teal v. Unumprovident Corp, et al Other Contract
30. 2/14/2002 Frinks v. UNUM Provident Corp ERISA
29. 2/14/2002 Eisenman v. UNUM Life Insurance ERISA
28. 2/13/2002 Tiller v. UNUM Life Insurance, et al ERISA
27. 2/13/2002 Osachy v. River Garden Hebrew, et al ERISA
26. 2/13/2002 Geraldine Gallegos v. UNUM Life Ins Co ERISA
25. 2/13/2002 Boyter v. UNUM Life Ins Co ERISA
24. 2/13/2002 Orndorf v. , et al Insurance
23. 2/12/2002 Graham v. L&B Realty Advisors, et al ERISA
22. 2/12/2002 Gibson v. UNUM Life Ins Co ERISA
21. 2/12/2002 Schlakman v. Unun Life Insurance, et al ERISA
20. 2/12/2002 Rita P Hart v. Continental Airlines, et al ERISA
19. 2/11/2002 Bollman v. UNUM Life Insurance Insurance
18. 2/8/2002 Kaminski v. UNUM Life Insurance ERISA
17. 2/8/2002 Piquette v. Unumprovident Corp Insurance
16. 2/8/2002 Truitt v. UNUM Life Ins Co ERISA
15. 2/8/2002 Paul C Boynton MD v. Unumprovident Corp, et al Insurance
14. 2/7/2002 Van Lue v. Unumprovident Corpor ERISA
13. 2/7/2002 Addie, et al v. UNUM Life Ins Co AM Insurance
12. 2/6/2002 Schochet v. UNUM Life Insurance Insurance
11. 2/6/2002 Reynolds v. Unumprovident Corp, et al ERISA
10. 2/5/2002 Takei v. UNUM Life Insurance Company of America Insurance
 9. 2/5/2002 Hare v. Unumprovident Corp Insurance
 8. 2/4/2002 Kidneigh, et al v. UNUM Life Ins Co ERISA
 7. 2/4/2002 Harmon v. Unumprovident Corp ERISA
 6. 2/4/2002 Alhadeff v. UNUM Life Ins Co Insurance
 5. 2/4/2002 Ostrander v. UNUM Life Ins Co ERISA
 4. 2/4/2002 Brown v. UNUM Life Insurance ERISA
 3. 2/4/2002 Barfield v. UNUM Life Ins Co, et al Insurance
 2. 2/1/2002 Otis v. Brunner/Cott, et al ERISA
 1. 2/1/2002 La Prova v. UNUM Life Insurance Compay of America Insurance

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit
98. 1/31/2002 Otey v. UNUM Life Insurance ERISA
97. 1/31/2002 Reeve v. UNUM Life Insurance ERISA
96. 1/31/2002 Fauer v. UNUM Life Insurance Insurance
95. 1/30/2002 McCullagh v. Unumprovident Corporation et al Insurance
94. 1/30/2002 Preble v. UNUM Life Insurance ERISA
93. 1/30/2002 Altre-Yanuaria v. Cedars Sinai Health, et al ERISA
92. 1/30/2002 Sandoval v. UNUM Life Ins Co AM ERISA
91. 1/29/2002 Penner v. Unumprovident Corp Insurance
90. 1/29/2002 Shaban v. UNUM Life Insurance Company of America et al ERISA
89. 1/29/2002 Cerasi v. Unumprovident Corp ERISA
88. 1/29/2002 Rivera v. UNUM Life Insurance ERISA
87. 1/28/2002 Carrier v. UNUM Life Insurance, et al Insurance
86. 1/28/2002 Foster v. UNUM Life Ins Co ERISA
85. 1/28/2002 Austin v. UNUM Life Ins Co ERISA
84. 1/28/2002 Wright v. UNUM Life Insurance, et al Insurance
83. 1/28/2002 Sonja Borgo v. Unumprovident Corp, et al Insurance
82. 1/25/2002 McGuirk v. First UNUM Life, et al ERISA
81. 1/25/2002 Bocci v. Equitable Life Assurance Society of the United STA Insurance
80. 1/25/2002 Chauvin v. UNUM Life Ins Co Insurance
79. 1/25/2002 Chase v. UNUM Life Ins Co ERISA
78. 1/25/2002 Del Pilar v. Unumprovident Corp ERISA
77. 1/25/2002 Shipp v. Provident Life, et al Insurance
76. 1/24/2002 Sally Taylor v. New York Life Ins, et al Insurance
75. 1/24/2002 Cosgrove v. UNUM Life Insurance Insurance
74. 1/23/2002 Nora Saboundjian v. UNUM Life Ins Co ERISA
73. 1/23/2002 Tritak v. UNUM Life Insurance ERISA
72. 1/22/2002 Tosques v. UNUM Life Insurance Company of America et al ERISA
71. 1/22/2002 Brundage v. UNUM Life Ins Co AM Insurance
70. 1/22/2002 Brown Gabovitz v. Unumprovident Insurance
69. 1/22/2002 Suddoth v. Unumprovident Corp ERISA
68. 1/22/2002 Desimone v. UNUM Life Insurance, et al ERISA
67. 1/18/2002 Bartlett v. UNUM Life Insurance Company of America Insurance
66. 1/18/2002 Cahape v. UNUM Life Insurance ERISA
65. 1/18/2002 McGinley v. UNUM Life Ins Co ERISA
64. 1/18/2002 Deitz v. UNUM Life Ins, et al ERISA
63. 1/18/2002 Buchanan, Christopher A v. UNUM Life Insurance Company ERISA
62. 1/18/2002 Ridlon v. UNUM Life Insurance ERISA
61. 1/18/2002 Estep, et al v. St Francis Hospital, et al Insurance
60. 1/18/2002 Williams v. UNUM Life Insurance, et al ERISA
59. 1/18/2002 Lattimore v. UNUM Life Insurance ERISA
58. 1/18/2002 Walker v. UNUM Life Ins ERISA
57. 1/18/2002 Pilgrim v. UNUM Life Ins ERISA
56. 1/17/2002 Milano v. UNUM Life Insurance ERISA
55. 1/17/2002 Jones v. UNUM Life Ins Co ERISA
54. 1/17/2002 Dunn v. UNUM Life Insurance ERISA
53. 1/17/2002 Westmoreland v. UNUM Life Ins Co ERISA
52. 1/7/2002 Beasley v. UNUM Life Ins Co ERISA
51. 1/17/2002 Jeannie Pascuzzi v. Group Long Term, et al ERISA
50. 1/17/2002 Mary Anne Pestano v. UNUM Life Ins Co, et al ERISA
49. 1/17/2002 Weiner v. Reassure America, et al Insurance
48. 1/17/2002 Hopkins v. UNUM Life Insurance ERISA
47. 1/17/2002 Szlener v. UNUM Life Ins Co ERISA
46. 1/16/2002 Love v. UNUM Life Ins Co ERISA
45. 1/16/2002 Kimbell v. UNUM Life Insurance, et al ERISA
44. 1/16/2002 Merkel v. UNUM Life Insurance, et al ERISA
43. 1/16/2002 ELL v. Unumprovident Inc Other Statutory Actions
42. 1/15/2002 Jeanne Bever v. UNUM Life Ins Co of, et al ERISA
41. 1/15/2002 Irene M Davos v. Provident Life, et al Insurance
40. 1/14/2002 Susan Chun v. Provident Life, et al Insurance
39. 1/14/2002 Harrell v. UNUM Life Ins Co, et al Insurance
38. 1/14/2002 Daley v. UNUM Life Ins Co, et al ERISA
37. 1/11/2002 Vince Velez v. North La County, et al Insurance
36. 1/14/2002 Jones v. UNUM Life Insurance ERISA
35. 1/14/2002 Arensberg, et al v. UNUM Life Ins Co ERISA
34. 1/14/2002 Beasley v. UNUM Life Insurance, et al ERISA
33. 1/14/2002 Scarbrough v. UNUM Provident Corp, et al ERISA
32. 1/11/2002 Lominick v. UNUM Life Ins Co ERISA
31. 1/11/2002 Allen v. UNUM Life Ins Co ERISA
30. 1/11/2002 Moore v. UNUM Life Insurance, et al Insurance
29. 1/11/2002 OBrien v. UNUM Life Insurance Insurance
28. 1/11/2002 OGI, et al v. UNUM Life Ins Co, et al Insurance
27. 1/11/2002 Greenberg v. UNUM Life Ins Co ERISA
26. 1/11/2002 Padeh v. Provident Life Ins, et al Insurance
25. 1/10/2002 Franklin v. Provident Life & ACC, et al Insurance
24. 1/10/2002 Flynt v. UNUM Life Insurance Company of America ERISA
23. 1/10/2002 Threadgill v. Provident Life, et al Insurance
22. 1/10/2002 Isaacs v. Paul Revere Life, et al Insurance
21. 1/10/2002 Gans v. UNUM Life Insurance Insurance
20. 1/9/2002 Signoretta v. UNUM Life Insurance, et al ERISA
19. 1/8/2002 Fields v. Unumprovident Co ERISA
18. 1/8/2002 Mariann Claesson v. UNUM Life Ins Co ERISA
17. 1/8/2002 Buda v. UNUM Insurance
16. 1/7/2002 Robinson v. UNUM Life Ins Co AM ERISA
15. 1/7/2002 Clark v. Unumprovident Corp, et al ERISA
14. 1/7/2002 Manning v. Unumprovident Corp ERISA
13. 1/4/2002 Lewis v. Unumprovident Corp, et al ERISA
12. 1/4/2002 Agugliaro v. UNUM Life Insurance ERISA
11. 1/4/2002 Teresi v. UNUM Life ERISA
10. 1/4/2002 Patten v. UNUM Life Insurance Company of America ERISA
 9. 1/4/2002 UNUM Life Insurance v. Long Judgments
 8. 1/4/2002 Rowland v. UNUM Life Ins Co ERISA
 7. 1/4/2002 Morgan v. UNUM Life Insurance ERISA
 6. 1/4/2002 Callaway v. Unumprovident Corp, et al Employment
 5. 1/4/2002 Smith v. Kroger Co HLTH, et al Insurance
 4. 1/3/2002 Pasquarella v. UNUM Life Insurance, et al ERISA
 3. 1/3/2002 Sommercamp v. UNUM Life Insurance Company of America Insurance
 2. 1/2/2002 Starns v. Unumprovident Corp Insurance
 1. 1/2/2002 Bowman v. UNUM Life Ins Co, et al ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

57. 12/31/2001 Gannon, Cynthia v. UNUM Life Insurance Company ERISA
56. 12/28/2001 Montenaro v. UNUM Life Ins Co Insurance
55. 12/28/2001 Seim v. National Life of VT, et al Insurance
54. 12/26/2001 Crough v. UNUM Life Insurance Company of America et al ERISA
53. 12/21/2001 Simpson v. UNUM Life Ins Co of ERISA
52. 12/21/2001 Weldman v. UNUM Life Insurance ERISA
51. 12/20/2001 Little v. Unumprovident Corp, et al ERISA
50. 12/20/2001 Eddie L Washington v. UNUM Life Ins Co of E.R.I.S.A.-Employee Benefits
49. 12/20/2001 Spiller v. Bay City ISD, et al Employment
48. 12/19/2001 Cherry, Patricia v. UNUM Life Insurance Company ERISA
47. 12/18/2001 UNUM Life Insurance, et al v. Faust ERISA
46. 12/18/2001 Guillory v. UNUM Life Ins Co AM Insurance
45. 12/18/2001 Walden v. Unumprovident Corporation ERISA
44. 12/18/2001 Foti v. UNUM Life Ins Co ERISA
43. 12/18/2001 Marshall v. UNUM Life Insurance Compay of America Insurance
42. 12/18/2001 Heaney v. Wellmont Health Sys, et al ERISA
41. 12/7/2001 Howard E Lefton v. the Paul Revere Life, et al Insurance
40. 12/17/2001 Scanlon v. UNUM Life Insurance Company of America ERISA
39. 12/14/2001 Alexia Wady v. Provident Life, et al Insurance
38. 12/14/2001 Alexia Wady v. Provident Life, et al Insurance
37. 12/14/2001 Ahern v. Unumprovident Corp ERISA
36. 12/14/2001 Putzeys-Alvarez v. UNUM Life Insurance Insurance
35. 12/14/2001 Galuardi v. Paul Revere Life, et al Insurance
34. 12/14/2001 Alvis v. UNUM Life Insurance Company of America ERISA
33. 12/14/2001 Riley v. UNUM Life Insurance Company of America ERISA
32. 12/13/2001 Love v. Paul Revere Life Ins, et al Insurance
31. 12/13/2001 Lowery v. UNUM Life Insurance Insurance
30. 12/13/2001 Morgan v. UNUM Life Ins Co ERISA
29. 12/12/2001 Robinson v. UNUM Life Ins Co, et al ERISA
28. 12/12/2001 Davis v. UNUM Life Ins Co ERISA
27. 12/12/2001 Grunblatt v. Unumprovident Corp Insurance
26. 12/12/2001 Dunn v. UNUM Life Insurance ERISA
25. 12/10/2001 Watson v. UNUM Life Ins Co Other Statutory Actions
24. 12/10/2001 Brown, et al v. Unumprovident Corp, et al Insurance
23. 12/10/2001 Puhalski v. Unumprovident Corp ERISA
22. 12/10/2001 Spoelstra v. UNUM Life Insurance Company of America Other Statutory Actions
21. 12/7/2001 Thomas v. UNUM Life Ins Co ERISA
20. 12/7/2001 Brian Rawls v. UNUM Life Ins Co ERISA
19. 12/7/2001 Gerald S Rellick v. UNUM Life Insurance, et al Insurance
18. 12/7/2001 Wohlfeld v. UNUM Life Insurance Insurance
17. 12/7/2001 Bennett v. UNUM Life Ins Co ERISA
16. 12/7/2001 Sturdivant v. UNUM Life Ins ERISA
15. 12/7/2001 Roque v. UNUM Life Ins Co ERISA
14. 12/7/2001 Peevler v. Unumprovident Corp ERISA
13. 12/6/2001 Lambert v. CWC Castings Division of Textron, Inc et al ERISA
12. 12/6/2001 Patrick J Walsh v. Provident Life & ACC, et al Insurance
11. 12/6/2001 Smith v. UNUM Life Insurance, et al ERISA
10. 12/6/2001 Aulakh v. UNUM Life Insurance Company of America ERISA
 9. 12/6/2001 Lester v. Unumprovident Corp ERISA
 8. 12/6/2001 UNUM Life Insurance v. Foxhill ERISA
 7. 12/6/2001 Smith v. UNUM Life Insurance ERISA
 6. 12/5/2001 Linda Arnett v. UNUM Life Ins Co of, et al Insurance
 5. 12/5/2001 Gregory Ortiz v. UNUM Life Ins Co of Insurance
 4. 12/5/2001 Glendye v. UNUM Life Insurance ERISA
 3. 12/5/2001 Shlapack v. UNUM Life Insurance Insurance
 2. 12/5/2001 Berg v. UNUM Life Insurance et al ERISA
 1. 12/4/2001 Herndon v. Unumprovident Corp, et al ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

74. 11/30/2001 Karabin v. Unumprovident Corporation ERISA
73. 11/30/2001 Shipley v. UNUM Life Insurance Insurance
72. 11/30/2001 Fernandez v. Retlaw Enterprise, et al ERISA
71. 11/30/2001 Hale v. UNUM Life Insurance Company of America et al ERISA
70. 11/29/2001 Gieger et al v. UNUM Life Insurance Company of America et al ERISA
69. 11/29/2001 Spoon v. UNUM Life Ins Co Insurance
68. 11/29/2001 Ralph T Potkin v. Provident Life, et al Insurance
67. 11/28/2001 Greene v. UNUM Life Ins Co, et al Insurance
66. 11/28/2001 Morrison v. UNUM Life Insurance Co of America Insurance
65. 11/28/2001 Delahanty v. UNUM Life Insurance Insurance
64. 11/28/2001 Librinca v. UNUM Life Insurance Insurance
63. 11/28/2001 Stringer v. UNUM Life Ins Co Insurance
62. 11/26/2001 Dirnberger v. UNUM Life Insurance ERISA
61. 11/26/2001 Sport v. John Hancock Life Insurance Company et al Insurance
60. 11/23/2001 Randle v. Unumprovident Corpor Insurance
59. 11/21/2001 Cormier v. Unumprovident Corp Insurance
58. 11/21/2001 Feehery v. Unumprovident Corp, et al ERISA
57. 11/21/2001 Marei v. Unumprovident Corp Insurance
56. 11/21/2001 Greenstein v. UNUM Life Ins Co ERISA
55. 11/21/2001 Oliva v. UNUM Life Insurance Insurance
54. 11/21/2001 Davis v. UNUM Life Insurance Insurance
53. 11/20/2001 Coffey v. BB&T, et al ERISA
52. 11/20/2001 Allen Esses v. UNUM Life Ins Co, et al ERISA
51. 11/20/2001 Luketich v. UNUM Life Insurance Company of America Insurance
50. 11/20/2001 Salines v. UNUM Life Insurance ERISA
49. 11/19/2001 Smith-Fischler v. UNUM Life Insurance Other Statutory Actions
48. 11/19/2001 Coleman v. UNUM Life Insurance, et al Insurance
47. 11/19/2001 Mitchell v. UNUM Life Ins Co ERISA
46. 11/19/2001 Donelson v. Unumprovident Corp Insurance
45. 11/16/2001 Robert C Mannheim v. Unumprovident Corp, et al Insurance
44. 11/16/2001 Ross v. UNUM Life Insurance, et al Insurance
43. 11/16/2001 Patrias v. Unumprovident Corpor ERISA
42. 11/16/2001 Quast v. Square D Company, et al Other Contract
41. 11/16/2001 Wallace v. UNUM Life Insurance ERISA
40. 11/16/2001 Steinbach v. Unumprovident ERISA
39. 11/16/2001 Haverkamp v. Camden Properties, et al ERISA
38. 11/16/2001 Martin v. UNUM Life Insurance ERISA
37. 11/15/2001 Kirouac v. UNUM Life Insurance ERISA
36. 11/14/2001 Lucas v. UNUM Life Insurance Company of America et al Insurance
35. 11/14/2001 Susana Anaya v. UNUM Life Ins Co, et al ERISA
34. 11/14/2001 Robert M Parreco v. UNUM Life Ins Co, et al Insurance
33. 11/14/2001 Avery v. Paul Revere Life Ins, et al Insurance
32. 11/14/2001 Johnson v. UNUM Life Insurance ERISA
31. 11/14/2001 Stacy v. UNUM Life Insurance ERISA
30. 11/13/2001 Borenstein v. UNUM Life Insurance Insurance
29. 11/13/2001 Rosalind R Belcher v. Unumprovident Corp, et al Insurance
28. 11/13/2001 Steven Ainbinder v. UNUM Life Ins Co, et al Insurance
27. 11/13/2001 UNUM Life Ins Co v. Lowman, et al ERISA
26. 11/13/2001 Menier v. UNUM Life Ins Co AM Insurance
25. 11/13/2001 James v. UNUM Insurance
24. 11/9/2001 Harris v. UNUM Life Ins Co, et al Insurance
23. 11/9/2001 Small v. Unumprovident Corporation ERISA
22. 11/9/2001 Davis v. UNUM Life Insurance Insurance
21. 11/9/2001 Johnson v. UNUM Life Ins ERISA
20. 11/9/2001 Bowen v. UNUM Life Ins ERISA
19. 11/8/2001 Sherry Andreen v. UNUM Life Ins ERISA
18. 11/8/2001 Bramlet v. UNUM Life Insurance Insurance
17. 11/8/2001 Chester v. UNUM Life Insurance, et al ERISA
16. 11/6/2001 Philpot v. UNUM Life Insurance Insurance
15. 11/6/2001 Ivey v. Natl Life Ins of VT, et al Insurance
14. 11/6/2001 Evertsen v. UNUM Life Ins Co ERISA
13. 11/6/2001 Stoll v. UNUM Life Insurance, et al ERISA
12. 11/5/2001 Passmore v. UNUM Life Ins Co ERISA
11. 11/5/2001 Clark v. Unumprovident Corp ERISA
10. 11/5/2001 Poss v. UNUM Life Insurance Insurance
 9. 11/5/2001 UNUM Life Insurance v. Roberts ERISA
 8. 11/2/2001 Paul Kossick v. UNUM Provident Corp, et al Insurance
 7. 11/2/2001 Cammick v. UNUM Life Insurance ERISA
 6. 11/2/2001 Horn v. UNUM Life Insurance, et al Insurance
 5. 11/2/2001 Youngblood v. UNUM Life Insurance Insurance
 4. 11/2/2001 Ashcraft v. UNUM Life Ins Co ERISA
 3. 11/2/2001 Long v. Unumprovident Corp, et al Insurance
 2. 11/1/2001 Kelly v. UNUM Life Insurance ERISA
 1. 11/1/2001 Sullivan v. UNUM Life Insurance ERISA

UNUMPROVIDENT
Date Filed Case Caption Nature of Suit

87. 10/31/2001 Caryl Wilson v. UNUM Life Ins Co of Insurance
86. 10/31/2001 Carter v. Alliance Comp EMP TR, et al Insurance
85. 10/31/2001 Belli v. Mine Safety, et al ERISA
84. 10/30/2001 Trainor v. UNUM Life Insurance ERISA
83. 10/30/2001 Kennard v. UNUM Life Insurance, et al ERISA
82. 10/30/2001 Solis v. UNUM Life Ins Co ERISA
81. 10/30/2001 Hobbs v. UNUM Life Insurance, et al Other Statutory Actions
80. 10/30/2001 Krager v. UNUM Life Insurance ERISA
79. 10/30/2001 Josephine Sourgose v. UNUM Life Ins Co ERISA
78. 10/29/2001 Riley v. UNUM Life Ins Co AM ERISA
77. 10/29/2001 Douglas Houston v. Provident Life & ACC, et al Insurance
76. 10/26/2001 J Holden-Dunbar v. UNUM Life Ins Co of ERISA
75. 10/26/2001 Clark v. Paul Revere Life Ins Insurance
74. 10/26/2001 Armato v. Unumprovident Corp Insurance
73. 10/26/2001 Lonardo v. UNUM Life Ins Co ERISA
72. 10/25/2001 Clark v. UNUM Life Insurance Company of America et al ERISA
71. 10/25/2001 Thomas v. UNUM Life Ins Co Insurance
70. 10/25/2001 Dunn v. UNUM Life Insurance ERISA
69. 10/25/2001 Secratt v. UNUM Life Ins Co ERISA
68. 10/25/2001 Hughes v. UNUM Life Insurance ERISA
67. 10/25/2001 Baldwin v. UNUM Life Insurance, et al ERISA
66. 10/25/2001 Helmke v. Unumprovident Corporation et al Insurance
65. 10/25/2001 Myers v. Georgia Merit System, et al ERISA
64. 10/24/2001 Moore v. UNUM Life Ins Co AM ERISA
63. 10/24/2001 Rosenberg v. Paul Revere Life Ins, et al Insurance
62. 10/22/2001 Krause v. Unumprovident Corp, et al Insurance
61. 10/22/2001 Shepard v. UNUM Life Insurance ERISA
60. 10/22/2001 Carter v. Alliance Comp Inc EM, et al ERISA
59. 10/19/2001 Dielmann v. Christal Company, et al ERISA
58. 10/19/2001 Pierce v. Alcatel USA Sourcing, et al ERISA
57. 10/19/2001 Krug v. Continental Airlines, et al ERISA
56. 10/19/2001 Enright v. UNUM Life Ins Co ERISA
55. 10/19/2001 Eric Litter v. Unumprovident Corp, et al Insurance
54. 10/19/2001 Smith v. UNUM Life Ins Co ERISA
53. 10/18/2001 Engram v. UNUM Life Insurance ERISA
52. 10/18/2001 Crowder v. Unumprovident Corp, et al ERISA
51. 10/18/2001 Delfrate v. Unumprovident Corp Insurance
50. 10/18/2001 Zanitsch v. UNUM Life Insurance ERISA
49. 10/18/2001 Bauer v. UNUM Life Ins Co ERISA
48. 10/18/2001 UNUM Life Insurance v. Paul ERISA
47. 10/17/2001 Thokar v. UNUM Life Insurance, et al ERISA
46. 10/17/2001 Caruthers v. UNUM Life Insurance Insurance
45. 10/17/2001 James v. UNUM Life Insurance ERISA
44. 10/17/2001 Paul Chrisney v. UNUM Life Ins Co of, et al ERISA
43. 10/16/2001 David L Allen v. Natl Life Ins Co VT, et al Insurance
42. 10/16/2001 Cancel-Olan v. Checkpoint Systems, et al Insurance
41. 10/16/2001 Mathis v. UNUM Life Ins Co of ERISA
40. 10/15/2001 Smith v. Danka Office Imaging, et al ERISA
39. 10/15/2001 Stein v. Paul Revere Life, et al Insurance
38. 10/15/2001 Price v. UNUM Life Ins Co Insurance
37. 10/15/2001 Lewis v. Paul Revere Life, et al Insurance
36. 10/15/2001 Snelling v. UNUM Life Insurance ERISA
35. 10/12/2001 Montgomery v. UNUM Life Ins Co, et al ERISA
34. 10/12/2001 Lippard v. Burlington Ind, et al ERISA
33. 10/12/2001 Valyou v. Unumprovident Co Other Contract
32. 10/12/2001 Timothy Melough v. UNUM Life Ins Co, et al ERISA
31. 10/11/2001 Zelnick v. UNUM Life Insurance, et al Insurance
30. 10/11/2001 Auble v. UNUM Life Insurance Company of America ERISA
29. 10/11/2001 Wayne Ryback v. UNUM Life Ins Co, et al ERISA
28. 10/10/2001 Laser v. Unumprovident ERISA
27. 10/10/2001 Bledsoe v. UNUM Life Insurance ERISA
26. 10/10/2001 Phillips v. Unumprovident Corp, et al Insurance
25. 10/10/2001 Lovelace v. Scientific Drill PLN, et al ERISA
24. 10/10/2001 Gregory E Gates v. Paul Rever Life Ins, et al Insurance
23. 10/9/2001 Wanda Pinkley v. UNUM Life Ins Co of Insurance
22. 10/9/2001 Goble v. Unumprovident Corp Employment
21. 10/9/2001 Tolle v. UNUM Life Insurance ERISA
20. 10/9/2001 Kaus-Rogers v. UNUM Life Insurance ERISA
19. 10/9/2001 Wells v. UNUM Life Insurance, et al ERISA
18. 10/9/2001 Prats v. Provident Life, et al Insurance
17. 10/5/2001 Trachtenberg v. UNUM Life Ins Co, et al Insurance
16. 10/5/2001 Greenway v. UNUM Life Ins Co Insurance
15. 10/5/2001 Steinberg v. UNUM Life Insurance Company of America et al ERISA
14. 10/5/2001 Kopecky v. UNUM Life Ins Co Insurance
13. 10/4/2001 Skipper v. Claims Services INT, et al ERISA
12. 10/4/2001 Francis v. Unumprovident Corp, et al ERISA
11. 10/4/2001 Dale A Rudzik v. Provident Life & ACC, et al Insurance
10. 10/4/2001 Carroll v. Unumprovident Corpor ERISA
 9. 10/4/2001 Workman v. Unumprovident Corpor ERISA
 8. 10/4/2001 Whiteis v. Unumprovident Corpor Insurance
 7. 10/3/2001 Villacorta v. UNUM Life Insurance Co of America et al ERISA
 6. 10/3/2001 Holmes v. UNUM Life Ins Co ERISA
 5. 10/2/2001 UNUM Life Insurance v. Deberry ERISA
 4. 10/2/2001 Young v. UNUM Life Ins Co ERISA
 3. 10/1/2001 Ciocari v. UNUM Life Ins Co Insurance
 2. 10/1/2001 Bell v. UNUM Life Insurance ERISA
 1. 10/1/2001 McGee, et al v. UNUM Provident Corp Insurance



UNUMPROVIDENT
Date Filed Case Caption Nature of Suit
 
9/29/2001 Pratt v. Provident Life, et al Insurance
9/28/2001 Walker v. Unumprovident Corp Other Contract
9/28/2001 William B Lopatin v. Unumprovident Corp, et al Insurance
9/28/2001 UNUM Life Insurance v. Stasinos, et al Insurance
9/28/2001 Kasey Lindsay v. Natl Life of Vermont, et al ERISA
9/28/2001 Gallo v. Unumprovident Corp ERISA
9/28/2001 Morgan v. UNUM Life Insurance ERISA
9/27/2001 Norris v. UNUM Life Insurance ERISA
9/26/2001 Elizabeth Rose v. UNUM Life Ins Co of, et al Insurance
9/26/2001 Gajewski v. UNUM Life Ins Amer Insurance
9/26/2001 Woolf v. UNUM Life Insurance, et al Insurance
9/26/2001 Epley v. UNUM Life Ins Co ERISA
9/26/2001 Palo v. UNUM Life Insurance ERISA
9/25/2001 William Staub v. UNUM Life Ins Co of, et al Insurance
9/25/2001 Cantrell v. UNUM Life Insurance ERISA
9/25/2001 Burdette v. UNUM Life Ins Co ERISA
9/25/2001 Oxenreider v. UNUM Life Insurance ERISA
9/25/2001 Tyre v. UNUM Life Insurance Insurance
9/24/2001 Shyman v. UNUM Life Ins Co Insurance
9/24/2001 Marilu Eagles v. UNUM Life Ins Co, et al ERISA
9/24/2001 Jimmie Timms v. UNUM Life Ins Co, et al ERISA
9/24/2001 Millard v. Mid Mi Regional Med, et al ERISA
9/24/2001 Sell v. UNUM Life Ins Co, et al ERISA
9/21/2001 Ladonna Imai v. UNUM Life Ins Co of, et al Insurance
9/21/2001 UNUM Life Insurance v. Vanzant ERISA
9/20/2001 Cannady v. UNUM Life Insurance Company of America et al ERISA
9/20/2001 Giles v. UNUM Life Insurance Company of America et al Other Statutory Actions
9/20/2001 Lewis Nowosad v. UNUM Life Ins Co of, et al Insurance
9/19/2001 Glatzer v. UNUM Life Insurance Insurance
9/19/2001 Irish v. UNUM Life Ins Co ERISA
9/18/2001 Krynicki v. Unumprovident Corp ERISA
9/13/2001 Barbara Hochstadter v. UNUM Life Ins Co of, et al Insurance
9/14/2001 Bonnie Wilkinson v. UNUM Life Ins Co of, et al Insurance
9/10/2001 Michelle Montes v. UNUM Life Ins Co, et al Insurance


Keep in mind this does not reflect all of the cases filed against UNM. This does not include state court case filings of case filings where UNM( not named in the case) is the reinsurer and claims handler with the liability. Clearly this list may represent a material issue to the company that is not being reported to the shareholders. IMO
Dave61599

Edited by author 12-25-2003 11:04 AM
UNUMProvident takes a distorted survey of one of its databases that show a high correlation between high medical costs and disability’s and attempt to get companies to lay of their workers that are most likely to be the ones to file disability claims. Some lifestyle protection. UNUMProvident is in the business of not paying claims if possible. The sooner that they can get a potential claimant out of coverage the better they like it. If enough evidence can be put together from different workers that have had some medical problems and then have been laid off and also have UNUMProvident as their disability insurance carrier a claim of unfair competition practices may be able to be worked up against UNUMProvident for the practice.


And yet another health-care-related report released on Thursday seemed to indicate one major reason costs have been skyrocketing.

It seems that 10 percent of employees—those who file occupational or nonoccupational disability claims—drive 55 percent of employee medical costs and up to 66 percent of all medical, disability, and workers' compensation costs combined, according to UnumProvident Corp.

"The key corporate implication reflected by this research is that a strategic approach to return-to-work planning can impact the duration of disability and make a bottom-line difference," said Ralph Mohney, senior vice president of UnumProvident. "However, it is up to employers to direct this impact through a combination of effective benefit plans and defined return-to-work programs that support workplace productivity."

Dave

Just for your information this post has been removed from the AllState yahoo message board. Insurers do not like to have their misdeeds known.
Dave



ALLSTATE AND IDENTITY THEFT

http://finance.messages.yahoo.com/bbs?.mm=...d=7080622&mid=42798
 
Allstate and Identity Theft..
by: genieofperu (28/M) 10/30/03 08:29 am
Msg: 42798 of 42801
 
If anybody who posts in this forum and reads this message board and is
an Allstate policy holder I would check your credit history and your
credit/debit card statements for any illicit activity. I recently paid my
premiums using Allstates toll free number and spoke with a Customer
Service representative to pay my premiums. My premiums did get paid but
the CSR decided to take my debit card number and attempt to purchase many
other items from various internet websites. I have come to learn there
were other people besides me that this Customer Service Representative
had stolen there identity and opened charge cards or ran up there
credit cards. ALLSTATE POLICY HOLDERS please check your credit history and
credit and debit card statements and if you have had the same happen
please email me at
 
genieofperu@yahoo.com

Edited by author 11-02-2003 07:43 PM
Thanks Jim for the work you do.

A place to reach others with similar problems is a good thing. Some of the other boards have their problems that limit what can be conveyed to others with problems. For some of you that may find this board you may already be familiar with some of my posts. I would like to think that some of my advice helped in the receiving of benefits by several different people. Each of us find and have seen different information and if the right information is put together then the peaces of the puzzle may be put together in a way that makes it so the insurance company can no longer hide behind its wrong doing.
dave61599@yahoo.com

Edited by author 11-02-2003 01:40 PM
Welcome to the Corporate Crimefighters Bulletin Board. For victims of insurer crime. We believe that Networking with other victims is one of the most important things a victim can do against a huge and threatening insurer, and that's what this bulletin board is for.

Jim Mooney