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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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Unum, Unumprovident, Provident Life, and Paul Revere companies: Using IME’s to Deny Claims - - A Disability Insurance Lawyer’s Take

These Defendants have wrongfully terminated disability policy after disability insurance policy. These bad faith terminations have saved these Defendants a billion dollars.

Unumprovident's Use of IME's in denying disability insurance claims

This article concerns one facet of these companies scheme to rip-off insured. Here, we discuss the use of independent medical examinations, ("IME's") in denying disability insurance claims. The following are findings of fact and law in a Federal trial concerning Unum, Unumprovident, Provident Life, and Paul Revere companies:

Employees were instructed to limit their use of independent medical examinations. They were told that IMEs were not to be used unless absolutely necessary.

The limitation on the use of IMEs to gather information is part and parcel of another practice--that of overvaluing the opinions of in-house medical personnel who never examine the insured over the opinions of either treating physicians or IME doctors.
Similarly, Defendants' in-house medical personnel engage in cherry picking records to find grounds for denying claims regardless of actual merit. Documentary evidence establishes that in-house medical personnel "focus upon any apparent inconsistencies in the medical records or other information supplied by claimants, rather than attempt to derive a thorough understanding of the claimant's medical condition."

Unum, Unumprovident, Provident Life, and Paul Revere companies have a practice of piecemealing claimants' medical conditions and do not consider the totality of the medical circumstances.

These outrageous tactics used by Unum, Unumprovident, Provident Life, and Paul Revere companies are an incredible testament to greed. These companies turned the claims department into a profit center.

It is all about Greed for Unumprovident and companies

Defendants tout their financial success in denying disability claims in e-mails declaring "YIPPPPPPEEE !!!!!!" The only thing that changes are the names of the insured who get ripped off. Insured who are facing financial ruin due to Unum, Unumprovident, Provident Life, and Paul Revere not paying legitimate claims.

In instance after instance these companies have denied legitimate claims. Most of these claimants are respected doctors, lawyers, architects, and other professionals. They have substantial incomes and thus were owed substantial disability benefits. These professionals bought disability insurance in order to protect their families from financial ruin if they were to become disabled. Unum, Unumprovident, Provident Life, and/or Paul Revere companies collected their insurance premiums year after year. When these professionals become disabled from their own occupation, these companies did not live up to their end of the bargain.

If your disability claim has been denied by Unum, Unumprovident, Provident Life, and/or Paul Revere companies be sure to consult with an Insurance disability claim lawyer.

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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