Unum Provident Insurance

Dear Netweave, Welcome to UNUM HELL. Even if you get approved they have it set up so that you will still lose everything at some point. After getting initai approval they just stopped paying me after 3 months - Why ? - they can declare a period of reconsideration at any point and for no real reason. Mysteriously they just restarted again - same records and condition as previous. Then there's the constant letters - You must apply for and receive SSDI benefits or they can cut you off for any reason or cut benefits by deducting what SSDI would have paid. If you manage to make it this far, which is a small miracle in itself, they then take all your SSDI benefits, that because of the SSDI system. usually takes years. I'm at this point. While researching- I'm reading horror story after horror story - People pay UNUM back their lump sum back pay and UNUM cuts them off any way. ( Now you also pay hefty taxes on this sum- they don't take this in account) Or makes up more charges and bully you ... Read more

A little background I suffer from fibromyalgia - a very real if little understood syndrome characterized by nearly constant pain, exhaustion, and a myriad of associated symptoms. I have learned to live as best I can with this, and those of you who know me personally understand that I do what I can, when I can. What I can't do anymore is reliably report to a 9-5 job, even an office job. My body has set it's own rules for when and how much rest it demands, and how long I can sit, drive, or type. While my own business efforts try to accommodate this fact, most companies require a more dependable schedule and productivity rate for their employees, and I completely understand that. I had been employed full time with a very accommodating company that had done the best it could to work around my condition, but eventually, it got to be too much for both of us. So when I could finally not meet requirements anymore, I saw my rheumatologist, explained the issue, and I decided after speaking... Read more