I am disabled and have been since 2005, I had purchased Unum's disability insurance through my job at that time. After months of fighting with this company they agreed to pay short term disability and when the 6 months passed they said that since my injury was covered by workers comp, I was forced to pay it back. <br />
I was told that I may be eligible for long term insurance and needed to submit all info from my doctors to be evaluated(preexisting is not covered) After months of back and forth, repeated claiming that my doctors are not sending the needed info ( I had called and they stated it had been sent) they finally came to the conclusion that my injuries were pre-existing and no coverage would be offered. I told them at the time that my Cervical injuries were not, but they stated that it didn't matter I was not covered.I asked for a relook at this situation. Three years have now gone by and I have repaid a large part of the money they had paid, when I realized I have never heard back from my inquirery I had requested for a recheck on the cervical injuries. When I called I was sent a 4 inch file with all the calls documented and a letter they claim to have sent listing I had 180 day to submit an appeal. I NEVER GOT THIS LETTER!!! But to make it worse I found in their documentation that THEIR MEDICAL SPECIALIST had determined that my CERVICAL injury was NoT pre-existing. I called the company and they are sticking to this story of the 180 day limit listed in the letter I NEVER RECIEVED! They claim I must have recieved it as they have since they never got it back.<br />
I called my Congressman and asked for intervention and they wrote a very nice letter asking for reconsideration on December 5th. I called today December 22nd and spoke with the same person who argued about the return letter, Richard Joseph, who stated they had never gotten a letter from the congressman. When I reminded him of his return letter claim and they had not recieved anything back, he suddenly GOT AN E_MAIL at that VERY MOMENT that a letter was coming to his desk from a Congressman!!! Comon what kind of a scam is this company pulling!!! He also stated that even though the congressman sent the letter to Mr Thomas Watjen the CEO of the company that he would intercept it and would not change the ruling!!! <br />
I am writing this in hopes that Number 1 I get a change in the ruling and my money will be repaid and Number 2 protect anyone else from getting scammed by this company! I have since done extensive research on the internet to find that this company has been known to pull these tricks regularily and they have been sued many times for it's deceptive practices.