Insurance

Have you suffered a Provident Disability insurance claim denial? The insurance industry is a complicated market that is further clouded by constant mergers and acquisitions. Everyday policyholders are often caught in the middle of these complex transactions and their longstanding insurance claims approved by their original providers are denied by the new parent company. Provident Life and Accident Insurance Company fits this situation to a T, as Provident is now situated under the Unum Group umbrella. 

If you’re a Provident insurance policyholder who experienced an undervalued claim, a delayed payment, or even an outright denial of your disability insurance claim, you’re not alone. Call Donahue & Horrow today to fight back against Provident and Unum Group’s history of putting profits over people. 

We’re a Los Angeles-based law firm that has successfully secured millions of dollars for our clients for their denied disability claims against the likes of Provident and other major insurance providers. 

Call us today if you think that you’ve been treated unfairly or unethically by Unum Group over your Provident insurance claim: (877) 664-5407.

About Provident – An Unum Group Company

Unum and Provident merged in 1999 to form UnumProvident Corporation. In 2007, the business changed its name to Unum Group. Unum Group is a global insurance provider of disability and life insurance products that generated nearly $12 billion in revenue and $1.1 billion in net income in 2019. The company’s portfolio includes individual disability, group short-term disability, group long-term disability, long-term care insurance, and life insurance policies. Within this organization lies the Provident lines of insurance, which include the Provident Life and Accident Insurance Company brand. 

Unum Group controls various insurance policies from Provident and other insurer that have put policyholders in a bind. If you previously purchased a policy from Provident Life and Accident Insurance Company, UnumProvident Insurance Company, The Paul Revere Life Insurance Company, or Colonial Life & Accident Insurance Company, you may receive a letter denying your legitimate claims from the Unum Group.

You may have seen Unum Group’s television commercials imploring you to purchase a policy from them. Given Unum Group’s annual revenues and net income, the organization can act in good faith toward Provident policyholders and pay valid claims. Yet, the company fails to do so time and time again. If you suspect that Provident Life or Unum has been intentionally delaying or has improperly denied your long-term or short-term disability insurance claim, call the Donahue & Horrow legal team today: (877) 664-5407. We’re available to answer any questions you may have about your insurance policy or denied insurance claim. 

Donahue & Horrow is based in Los Angeles, but we routinely handle cases throughout California, including in the Bay Area, the South Bay and Central California. Call us at 877-664-5407. Our legal team is ready to talk to you about your Provident insurance claim on the telephone or set up an in-person meeting, whichever works best for your individual schedule. 

The Unum Group’s Tactics to Deny Provident Disability Insurance Claims

It’s not surprising that Unum Group has denied Provident policyholders’ insurance claims. The organization has been the target of various class-action lawsuits over the years and countless lawsuits from individual policyholders like you. Insurance companies of this size often follow similar methods to deny policyholders’ valid insurance claims by:

• Denying an insurance claim after ignoring the insured’s statements about their actual, everyday occupational demands;
• Using biased physician reviews to wrongfully deny or terminate disability insurance benefit claims; and
• Not adequately advising oreducating customers about the appeal process after an insurance claim denial. 

If you’re a Provident policyholder and intimidated by taking on Unum Group, you don’t have to do it alone. These large insurance businesses often resort to “wear down” policyholders like you in the hopes that you will give up rather than fight for your benefits. If Unum has tried one or more of these tactics on you, it might be a clear sign the business is trying to fraudulently deny your Provident insurance claim:

• Repeatedly making burdensome requests for more and more documentation, which often duplicates documentation already you already submitted;
• Downplaying medical evidence – including objective and subjective records- that supports the disability or entitlement to insurance benefits;
• Resorting to requesting so-called “independent” medical reviews by unqualified physicians or individuals; or
• Lengthy delays in making a decision on a disability insurance claim.

Real Examples of Provident Insurance Claim Denials

Unum Group and Provident have a long history of denying policyholders’ claims. In the 1990s and early 2000s, the UnumProvident Corporation allegedly denied or even terminated thousands of claims, leading to a class-action lawsuit against the company for violating Employee Retirement Income Securities Act (ERISA) mandates. In late-2002, a judge ordered the company to stop withholding information from policyholders and using biased medical examiners to deny policyholders’ claims. 

In 2005, the U.S. Department of Labor concluded an investigation into Unum Group for “bad faith” practices relating to the insurer’s claims denials. As a result of this inquiry, Unum was forced to review hundreds of thousands of past claims, pay a significant fine, and update its claims processes to protect policyholders. 

Unfortunately for customers, Unum Group and its various entities didn’t change course. In 2016, Unum settled a $46 million class-action lawsuit brought by a U.S. District Court in the Central District of California. Unum’s bad faith practices in this case included overcharging policyholders’ long-term care benefits. 

The Clock is Ticking on Your Insurance Claim – Act Fast!

Unum Group is a diverse organization with many moving parts as they relate to Provident and other subsidiaries’ insurance policies. If you’re dealing with a denied Provident insurance claim from Unum, the time to act is now. The longer you wait, the less likely you’ll be able to collect what’s rightfully yours. This is especially true if your claim is governed by ERISA, Call us today at (877) 664-5407. Our legal team will treat you with the dignity and respect you deserve as we hold Unum and Provident accountable for their actions. 

If you have any questions, call us now. Insurance policies are complex and written by lawyers, and as is the case with mergers and acquisitions, a lot of information can be lost in translation. It’s best to have a law firm on your side to help interpret the terms of your individual policy, regardless of the type of insurance policy you purchased. Call us today for a free consultation: (877) 664-5407.