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William David Turley

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William D. Turley

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UNUM, UNUMPROVIDENT & PAUL REVERE

• Own Occupation Disability Insurance Policies
• The Importance of Your Medical Record in Winning Your Disability Insurance Claim
• Unum, Unumprovident, Provident Life, and Paul Revere companies: Using IME’s to Deny Claims - - A Disability Insurance Lawyer’s Take
• San Diego Disability Attorney: Unum, Unumprovident, Provident Life, and Paul Revere

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San Diego Disability Attorney: Unum, Unumprovident, Provident Life, and Paul Revere

From publicly available federal court records, it appears that Unum, Unumprovident, Provident Life, and Paul Revere companies have been named in at least 4,575 civil actions concerning insurance from 2000 to the present. The following are findings of fact and law in a Federal trial concerning Unum, Unumprovident, Provident Life, and Paul Revere companies:

Early in the 1990's Defendant UnumProvident realized that the claims made on the own occupation insurance policies that it sold were putting the company at risk. As a consequence the company underwent a major restructuring of its claim handling practices and philosophy.

Provident went from a company that had a claim payment philosophy to one that had a claims "management" philosophy. The results were profound.

Among the tactics that Provident developed as part of its new claims management approach was the targeting of what it labeled "subjective claims." These were claims based on mental or nervous disorders or claims such as fibromyalgia or chronic fatigue syndrome ("CFS"). These claims which could not be proven by hard medical evidence such as an x-ray were thought to contain a large potential for resolution based on the vulnerability of insureds to pressure tactics.

Another of the tactics that Provident implemented was its practice of claim objectification. Through its practice of imposing objective evidence requirements on its insureds, when its policies contained no such standard, Provident sought to defeat their claims. This standard was imposed even on claims, where the company knew there was no way to obtain objective evidence.

A third tactic that Provident developed was its use of round table reviews. These reviews which involved claim personnel, medical staff, vocational staff, legal counsel, and management personnel focused on high indemnity claims. While notes were occasionally made of what direction the claim should take after a round table review, company policy was to destroy all information regarding who participated in the meetings, what was discussed, and the basis for any decision. Defendants' also attempted to cloak the round tables with the attorney-client privilege in order to further insulate the actual claims decisions and basis therefore from review.

A fourth tactic that was developed was the Defendants' practice of shifting the burden of claims investigation to the insured. It is undisputed it is an insurer's duty to conduct a reasonable investigation into all available relevant information prior to denying a claim. It is undisputed that an insurer must conduct a reasonable and fair evaluation of the evidence in a non-adversarial fashion. It is undisputed that an insurer may not deny or terminate a claim based on speculation. It is undisputed that an insurer may not use biased or predictable experts. It is undisputed that insurers have a duty to assist the insured with the claim. Despite the existence of these undisputed obligations that exist in the handling of first party claims, Defendants instructed their employees that it was the insured's obligation to prove his claim. Employees were instructed to limit their use of independent medical examinations ("IMEs"). Id. They were told that IMEs were not to be used unless absolutely necessary.

The foregoing are just some of the outrageous tactics used by Unum, Unumprovident, Provident Life, and Paul Revere companies. If your disability claim has been denied by Unum, Unumprovident, Provident Life, and/or Paul Revere companies you should consult with a disability claim lawyer.

Disability Attorney San Diego
Unum Attorney San Diego
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The Turley Law Firm
626 Broadway, Suite 625
San Diego, CA 92101
Phone: (619) 234-2833
Fax: (619) 234-4048
Toll Free: 866-963-0540

The San Diego, California personal injury law firm of The Turley Law Firm serves clients across  Southern California area. We give you straight talk about your legal options. We have handled cases from San Diego to Imperial Beach to Oceanside to Escondido to El Cajon, everywhere in between, such as: Alpine, Camp Pendleton, Cardiff, Carlsbad, Chula Vista, Coronado,  Del Mar, Eastlake, Encinitas, La Mesa, La Costa, La Jolla, Lakeside, Lemon Grove, Mission Bay, NAS San Diego, National City, Naval Station San Diego, North Island, North County, Pacific Beach, Point Loma, Port of San Diego, Poway, Ramona, Rancho Bernardo, Rancho Santa Fe, San Marcos, San Diego Harbor, Santee, Solana Beach, South Bay, Spring Valley, Vista.

We handle cases across California, including: Riverside County, San Bernardino County, Orange County, Imperial County, Los Angeles County, and Ventura County, Colorado River, Mexico, Cabo, Pacific Ocean and all the Oceans and waterways across California and the World.

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