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News Archives 3821-3840
Number Title Post Date
3821 Pentagon & US State Department Launch Unhinged War On WikiLeaks 12/08/2010 09:24:51
3822 Fallibility Of DNA Evidence Exposed - AGAIN! 13/08/2010 14:48:07
3823 NVIC Launches New Volunteer Section Of Website! 13/08/2010 15:07:28
3824 After Avandia: Does The FDA Have A Drug Problem? 13/08/2010 15:14:17
3825 WHO Swine Flu 'Experts' Linked To Vaccine Producers 13/08/2010 15:19:31
3826 Doctors Kept In The Dark About Flu Vaccine Fiasco 13/08/2010 15:22:33
3827 How WikiLeaks Is Changing The Face Of Journalism 13/08/2010 15:39:49
3828 Journalism Warning Labels - Contents Not Verified 16/08/2010 09:18:32
3829 Call To Examine Drug Dealer Connections Of Australian Swine Flu 'Experts' 16/08/2010 09:22:46
3830 WikiLeaks Julian Assange On Amnesty International & The Wall Street Journal 16/08/2010 10:01:59
3831 WikiLeaks Refuses To Be Threatened By Pentagon 16/08/2010 10:05:02
3832 UK Government Scapegoating The Sick & Disabled 17/08/2010 10:56:48
3833 Diabetes Drugs Cause Increased Bone Fracture Risk 17/08/2010 11:00:04
3834 The Digital Surveillance State 17/08/2010 11:03:44
3835 Clueless Commentators Think That It's Possible To Stop WikiLeaks 17/08/2010 11:07:38
3836 Soldier Who Found Rocket Launcher At WikiLeaks Scene Says No Attack Was Being Planned 17/08/2010 11:10:08
3837 Numerous Trials Reveal The Scope Of UNUM Insurance Misdeeds 18/08/2010 11:17:47
3838 XMRV Virus In Chronic Fatigue Syndrome Patients Confirmed By US Government 18/08/2010 11:20:42
3839 Mother Launches Lawsuit Against Gardasil Vaccine Manufacturer 18/08/2010 11:23:36
3840 US Department Of Justice To Investigate Pharma Bribes Abroad 18/08/2010 11:25:49

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Numerous Trials Reveal The Scope Of UNUM Insurance Misdeeds
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Numerous Trials Reveal the Scope of Unum Misdeeds

August 16, 2010. By Gordon Gibb

San Diego, CA: Unum is working to distance itself from its unsavory past, but it's hard to escape the details that are emerging from various lawsuits brought by disgruntled and distraught Unum insurance policyholders who allege to have been wronged by the massive insurance provider.

Numerous Trials Reveal the Scope of Unum MisdeedsTrial lawyer William Turley of San Diego, who sits on the Board of Governors of Consumer Attorneys of California, notes that Unum, UnumProvident, Provident Life, and Paul Revere companies have been named in nearly 5,000 civil actions concerning insurance from 2000 to the present.

In one recent trial in Federal Court, Unum Provident was found to have addressed a concern in the early 1990s that claims against occupational insurance policies threatened to put the company at risk. It was found that the company moved from maintaining a claims payment policy to one of claims management.

The firm adopted a variety of tactics to manage claims, including discouraging the use of independent medical examinations in favor of using its own medical staff, who might be persuaded to toe the company line.

Round table reviews involving medical staff, claims personnel, vocational staff, legal counsel and management personnel focused on high indemnity claims and how to manage them to the company's advantage. Notes taken at the meetings were destroyed.

Turley notes that in some cases Unum put the burden on the insured to prove that their claims were valid—even though it is an insurer's responsibility to investigate the validity and accuracy of a claim in a reasonable and fair manner without becoming adversarial and without basing decisions on mere speculation.

According to facts uncovered from one trial, Unum targeted claims based on emotional or nervous disorders, Fibromyalgia or Chronic Fatigue Syndrome—conditions that are subjective and difficult to prove with hard medical evidence.

The company viewed such conditions as affording high potential for resolution in the company's favor, based on the vulnerability of the claimants, and a hoped-for cancellation of a Unum long-term disability insurance claim or similar claim against Unum.

Related Links:
* Detection of an Infectious Retrovirus, XMRV, in Blood Cells of Patients with Chronic Fatigue Syndrome
Judy A. Mikovits et al, 10.1126/science.1179052, Science Express

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