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Unum Provident Fraud
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Name of insurance company:

Date insurance was purchased:

State where insurance was purchased:

When was claim denied: 

If you received a denial letter from your insurance company, what was the reason listed for denial of your claim?

Did you appeal the claim denial?

Type of policy purchased: 

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What is your disability? 

Do you receive Social Security Disability payments?

Were you denied Social Security Disability benefits?

Do you receive workers compensation benefits?

Are you receiving State Disability insurance?

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SF Judge Rips Disability Insurance Company

Nov 15, 2002 | AP

A federal judge in San Francisco has issued a rebuke to the nation's largest disability insurance firm.

In a 62-page verdict issued this week, Magistrate Judge James Larson ruled that a predecessor of UnumProvident violated the state's Unfair Competition Act.

Larson said Paul Revere Life Insurance now owned by giant UnumProvident of Tennessee acted in bad faith in denying a disability claim by Joan Hangarter.

Hangarter is a Berkeley chiropractor who had to stop practicing because of back and arm pain.

In February, a jury awarded Hangarter almost eight (m) million dollars for past and future benefits, emotional distress, attorney's fees and punitive damages.

Larson upheld that verdict -- and ordered the company to obey the law.

Hangarter's attorney, Ray Boursis, said UnumProvident tried to increase profits by systematically denying some disability claims.

The insurer denied the charge.

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