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In Reply to: Unum posted by bill wickes on October 07, 2003 at 06:59:45:
: I have been denied a claim by Unum.I paid premiums for years. I was in the world trade center on Sept 11,2001. My company lost 61 people. I lost over 100 friends. I have been forced to leave my profession as a broker due to severe post-traumatic stress syndrome.My doctors have documented my condition, I am stuck in some place called their internal appeal. I am aware now that this is a farce. their only issue is to save money. They tell me that enough time has passed that I should be over it. I do not believe they have a medical staff...I barely escaped alive and Unum thinks it is over. they are criminals...I am petrified that I will never be better.
I think in New York, UNUM is presently in a very
large law suit - a class action - for the way they handle peoples claims. It may be a good idea to ask your insurance commissioner in the State of New York. Also, many attorneys in New York may be aware of the Class Action.
It seems in your type of case there would be a lot of "subjective complaints" and carriers don't like subjective complaints. Thus, Neuro Psch test may be appropriate, if I were you I would contact attorney who has actually litigated these case, ask when and how many and outcomes. I