UNUM Provident Claims to Be Reviewed:
California Disability Insurance Attorneys
Provide Expert Help

If you had or have a disability claim against California UNUM Provident and your benefits were denied or stopped any time between January 1, 1997 and the present, we can help you.

The California Department of Insurance recently fined Unum Provident $8 million dollars and ordered it to reopen 26,000 California disability cases whose benefits were terminated since January 1, 1997. Unum Provident knowingly applied the wrong definition of "total disability" in claim handling; it inappropriately used independent medical exams and other medical information to the company's own advantage and mischaracterized certain occupations as sedentary when they were not.

On October 3 of this year, California Insurance Commissioner John Garamendi publicly stated, "Unum Provident is an outlaw company. It is a company that has operated in an illegal fashion. . . . What we're saying to any company operating in this area of insurance is it has to stop screwing its customers."

Unum Provident has agreed to pay the 8 million dollars fine and to reopen claims that were denied benefits between January 1, 1997 and September 30, 2005.

If your Unum Provident claim is one of those that is going to be reviewed, we can help you. We specialize in handling ERISA and California long-term disability claims that have been denied, and have had many successes against Unum Provident in particular.

When you retain us, the San Diego law firm of Stennett Casino, we will expertly evaluate your Unum Provident claim. We'll determine the documentation and evidence needed to help avoid or rebut common grounds for claim denial: insufficient proof of your job requirements, your medical condition, or how your medical condition prevents your job performance. We'll work with your doctors, employer, co-workers, and any outside specialists (such as medical or rehabilitation experts) to obtain the necessary evidence and documentation. We'll conduct investigations and interviews where useful, obtain any studies and reports that support your claim, and review, organize, and summarize every item in your file before Unum Provident reviews it. We will also present the legal arguments needed to support your claim on review.

A simple phone call to Stennett Casino often can start you on the correct path toward obtaining your Unum Provident benefits. Your initial phone consultation is free. Although the result in each case depends on its unique facts and law, we've had many successes in obtaining disability benefits for our clients from this "outlaw" insurance company. We are standing by now to help clients throughout California whose disability claims will be reviewed by Unum Provident.

We are experienced claim attorneys and can help you by: