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Surveillance tactics used by disability insurance companies

Unum Uses Surveillance to Deny Benefits

When you purchase an insurance policy, such as disability or life insurance, you expect that the insurance company will be there for you when you need it most. Unfortunately, recent reports suggest that Unum, one of the largest insurance providers in the United States, may be using surveillance tactics to wrongfully deny benefits to policyholders.

In this blog post, we'll explore the issue of Unum's alleged use of surveillance and its impact on policyholders.

The Role of Surveillance

Surveillance is a common practice used by insurance companies to investigate the validity of claims. Insurers often hire private investigators to gather evidence and monitor policyholders' activities to determine if they are truly disabled or in need of benefits. While surveillance can be a legitimate tool to prevent fraud, it becomes problematic when it is used unfairly to deny rightful claims.

Allegations Against Unum

Numerous policyholders have come forward with allegations that Unum has conducted extensive surveillance on them in an effort to find evidence to deny their claims. These surveillance activities range from taking photographs and videos of individuals engaged in daily activities to tracking social media posts and online activity. Policyholders claim that Unum has used this information to argue that they are not as disabled as they have claimed and, therefore, do not qualify for benefits.

The Impact on Policyholders

The use of surveillance by Unum has had significant consequences for policyholders. Many individuals who genuinely require financial support due to disabilities or injuries have been unfairly denied benefits based on misinterpreted surveillance evidence. This not only causes financial distress but also undermines the trust and faith that policyholders place in their insurance provider.

What Can You Do?

If you suspect that Unum is using surveillance to deny your benefits, there are steps you can take:

Review your policy:

Familiarize yourself with the terms and conditions of your policy, including any provisions related to surveillance and claim denials.

Consult an attorney:

Seek legal advice from an attorney who specializes in insurance law. They can help you understand your rights and guide you through the claims process.

Document your activities:

Keep detailed records of your daily activities, medical appointments, and any restrictions imposed by your disability or injury. This documentation can be valuable evidence in challenging Unum's surveillance claims.

Our Lawyers Specialize in Disability Insurance Claims

Because our law firm has always focused only on disability insurance, our lawyers are experts in legal representation for disability insurance benefits.

That means our disability lawyers have the following:

  1. Won several major disability lawsuits that help make better laws for disability claimants;
  2. Experience fighting every major insurance company, such as UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
  3. Successfully represented hundreds of clients and won millions of dollars in disability benefits.

Because federal law applies to most disability insurance claims, we can help clients across the country.

Disability insurance companies have lawyers. You should too. Call Dabdoub Law Firm to get experienced disability lawyers on your side.

We can help with the following:

  • Submitting a disability insurance claim;
  • Appealing a long-term disability denial;
  • Negotiating a lump-sum settlement; or
  • Filing a lawsuit against your disability insurance company.

Call for a free consultation with a disability attorney. No fees or costs until you get paid.

Contact Dabdoub Law Firm today at (800) 969-0488 or fill out the online contact form to speak with an experienced attorney about your case.