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	<title>Comments on: UnumProvident federal trial in progress</title>
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	<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/</link>
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		<title>By: Glad4Others</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-74</link>
		<dc:creator>Glad4Others</dc:creator>
		<pubDate>Thu, 15 Dec 2011 18:04:00 +0000</pubDate>
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		<description>Wish I had known about this in 2004.  Like the plaintiffs in this lawsuit, I was instructed by UNUM Provident to apply for SSDI.  However, I was quickly approved without the necessity of an appeal; but all of my &quot;backpay&quot; from the SSA had to be returned to UNUM.  My monthly benefit was then reduced by the amount of SSDI that I received each month.  However, I continued receiving some long-term disability payments from UNUM Provident.  I was continously mailed forms to be updated by my treating physician, almost to the point of harassment.  However, they were completed and returned to UNUM.  At some point, I received a letter stating that I had ceased to meet their criteria for disability because there had not been any subsequent hospitalizations since the determination of my disability.  As you state in your initial post, it is much more difficult to receive a disability determination by the SSA because they must conclude that you cannot perform ANY job.  The policy purchased through UNUM Provident was purchased through my employer and was job specific.  To add insult to injury, I was later threatened with a lawsuit because they had failed to deduct my children&#039;s benefits from my monthly payments (even though I was required to send them the approval letter at the time it was received) and wanted to be reimbursed for this portion some months later.  I did consult a local attorney, but was told it was not worth pursuing.  Their actions may have been legal, but seem immoral. I am glad to see that justice is being sought.  Good work, and good luck.</description>
		<content:encoded><![CDATA[<p>Wish I had known about this in 2004.  Like the plaintiffs in this lawsuit, I was instructed by UNUM Provident to apply for SSDI.  However, I was quickly approved without the necessity of an appeal; but all of my &#8220;backpay&#8221; from the SSA had to be returned to UNUM.  My monthly benefit was then reduced by the amount of SSDI that I received each month.  However, I continued receiving some long-term disability payments from UNUM Provident.  I was continously mailed forms to be updated by my treating physician, almost to the point of harassment.  However, they were completed and returned to UNUM.  At some point, I received a letter stating that I had ceased to meet their criteria for disability because there had not been any subsequent hospitalizations since the determination of my disability.  As you state in your initial post, it is much more difficult to receive a disability determination by the SSA because they must conclude that you cannot perform ANY job.  The policy purchased through UNUM Provident was purchased through my employer and was job specific.  To add insult to injury, I was later threatened with a lawsuit because they had failed to deduct my children&#8217;s benefits from my monthly payments (even though I was required to send them the approval letter at the time it was received) and wanted to be reimbursed for this portion some months later.  I did consult a local attorney, but was told it was not worth pursuing.  Their actions may have been legal, but seem immoral. I am glad to see that justice is being sought.  Good work, and good luck.</p>
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		<title>By: Medical Negligence Ireland</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-31</link>
		<dc:creator>Medical Negligence Ireland</dc:creator>
		<pubDate>Wed, 29 Jun 2011 03:55:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-31</guid>
		<description>Medical malpractice is mainly due to medical negligence to medical service providers team.</description>
		<content:encoded><![CDATA[<p>Medical malpractice is mainly due to medical negligence to medical service providers team.</p>
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		<title>By: medical practice ireland</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-29</link>
		<dc:creator>medical practice ireland</dc:creator>
		<pubDate>Thu, 09 Jun 2011 08:44:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-29</guid>
		<description>Thank you for share of your ideas....

I really satisfied....</description>
		<content:encoded><![CDATA[<p>Thank you for share of your ideas&#8230;.</p>
<p>I really satisfied&#8230;.</p>
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		<title>By: Jstbook</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-26</link>
		<dc:creator>Jstbook</dc:creator>
		<pubDate>Tue, 22 Feb 2011 05:58:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-26</guid>
		<description>Ankle injuries usually involve a sudden, unexpected, loss of balance that leads to a sharp twist of the ankle. A strain occurs when a muscle or tendon overstretches. A sprain, which is more serious, occurs when strong connective tissue that connects one bone to another (ligaments) become overstretched. If you&#039;ve suffered an ankle injury as a result of an accident and the injury was not  your own fault you may be able to make a &lt;a href=&quot;http://www.injuryie.com/ankle-injury/&quot; rel=&quot;nofollow&quot;&gt;Ankle Injury Compensation Claim&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>Ankle injuries usually involve a sudden, unexpected, loss of balance that leads to a sharp twist of the ankle. A strain occurs when a muscle or tendon overstretches. A sprain, which is more serious, occurs when strong connective tissue that connects one bone to another (ligaments) become overstretched. If you&#8217;ve suffered an ankle injury as a result of an accident and the injury was not  your own fault you may be able to make a <a href="http://www.injuryie.com/ankle-injury/" rel="nofollow">Ankle Injury Compensation Claim</a>.</p>
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		<title>By: Delayed Diagnosis</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-24</link>
		<dc:creator>Delayed Diagnosis</dc:creator>
		<pubDate>Wed, 08 Dec 2010 07:30:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-24</guid>
		<description>How the wrong diagnosis or late diagnosis from your doctor can lead to a medical malpractice lawsuit. A large number of medical malpractice lawsuits stem from the misdiagnosis or delayed diagnosis of a medical condition, illness, or injury. When a doctor&#039;s diagnosis error leads to incorrect treatment, delayed treatment, or no treatment at all, a patient&#039;s condition can be made much worse, and they may even die. That being said, a mistake in diagnosis by itself is not enough to sustain a medical malpractice lawsuit.</description>
		<content:encoded><![CDATA[<p>How the wrong diagnosis or late diagnosis from your doctor can lead to a medical malpractice lawsuit. A large number of medical malpractice lawsuits stem from the misdiagnosis or delayed diagnosis of a medical condition, illness, or injury. When a doctor&#8217;s diagnosis error leads to incorrect treatment, delayed treatment, or no treatment at all, a patient&#8217;s condition can be made much worse, and they may even die. That being said, a mistake in diagnosis by itself is not enough to sustain a medical malpractice lawsuit.</p>
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		<title>By: BeasleyAllen</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-21</link>
		<dc:creator>BeasleyAllen</dc:creator>
		<pubDate>Thu, 28 May 2009 17:28:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-21</guid>
		<description>Hi Debbie,
&lt;br&gt;
&lt;br&gt;Thank you so much for your comment, and for sharing some of the frustration you feel about this situation. I know that there are probably a lot more people like you out there, who are disappointed and confused about why this kind of thing should be happening to them.
&lt;br&gt;
&lt;br&gt;If you would like Beasley Allen&#039;s attorneys to look at your situation and evaluate it, please let  me know. You can email us directly at client.support@beasleyallen.com.
&lt;br&gt;
&lt;br&gt;Thank you again for sharing your experiences, and blessings to you and your family.
&lt;br&gt;
&lt;br&gt;Sincerely,
&lt;br&gt;Wendi Lewis
&lt;br&gt;Communications Director</description>
		<content:encoded><![CDATA[<p>Hi Debbie,</p>
<p>Thank you so much for your comment, and for sharing some of the frustration you feel about this situation. I know that there are probably a lot more people like you out there, who are disappointed and confused about why this kind of thing should be happening to them.</p>
<p>If you would like Beasley Allen&#39;s attorneys to look at your situation and evaluate it, please let  me know. You can email us directly at <a href="mailto:client.support@beasleyallen.com">client.support@beasleyallen.com</a>.</p>
<p>Thank you again for sharing your experiences, and blessings to you and your family.</p>
<p>Sincerely,<br />
<br />Wendi Lewis<br />
<br />Communications Director</p>
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		<title>By: BeasleyAllen</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-11</link>
		<dc:creator>BeasleyAllen</dc:creator>
		<pubDate>Thu, 28 May 2009 16:28:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-11</guid>
		<description>Hi Debbie,&lt;br&gt;&lt;br&gt;Thank you so much for your comment, and for sharing some of the frustration you feel about this situation. I know that there are probably a lot more people like you out there, who are disappointed and confused about why this kind of thing should be happening to them.&lt;br&gt;&lt;br&gt;If you would like Beasley Allen&#039;s attorneys to look at your situation and evaluate it, please let  me know. You can email us directly at &lt;a href=&quot;mailto:client.support@beasleyallen.com&quot; rel=&quot;nofollow&quot;&gt;client.support@beasleyallen.com&lt;/a&gt;.&lt;br&gt;&lt;br&gt;Thank you again for sharing your experiences, and blessings to you and your family.&lt;br&gt;&lt;br&gt;Sincerely,&lt;br&gt;Wendi Lewis&lt;br&gt;Communications Director</description>
		<content:encoded><![CDATA[<p>Hi Debbie,</p>
<p>Thank you so much for your comment, and for sharing some of the frustration you feel about this situation. I know that there are probably a lot more people like you out there, who are disappointed and confused about why this kind of thing should be happening to them.</p>
<p>If you would like Beasley Allen&#39;s attorneys to look at your situation and evaluate it, please let  me know. You can email us directly at <a href="mailto:client.support@beasleyallen.com" rel="nofollow">client.support@beasleyallen.com</a>.</p>
<p>Thank you again for sharing your experiences, and blessings to you and your family.</p>
<p>Sincerely,<br />Wendi Lewis<br />Communications Director</p>
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		<title>By: Debboe</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-10</link>
		<dc:creator>Debboe</dc:creator>
		<pubDate>Wed, 27 May 2009 03:02:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-10</guid>
		<description>Even though I worked for a company whom mangaed accounts for insurance claims, medical and other resources.  &lt;br&gt;When we were stating our Hippa protocols, no one believed that our medical information was prototected.  &lt;br&gt;&lt;br&gt;These company&#039;s would order prescription history&#039;s. In less then minutes they would receive both the prescription history but also what that medication could be used for...&lt;br&gt;&lt;br&gt;So if a person medication history showed that a medication may be used for depression, bingo.&lt;br&gt;How would most people know that a medicine, taken may or may be used for depression, would have there benefits terminated.&lt;br&gt;&lt;br&gt;So our doctors need to write down what that med is being used for...there is no shame to be depressed nor take medication, but for those who wasn&#039;t taking a med for depression that needs to in there records.&lt;br&gt;&lt;br&gt;It disscusses me. I am too disabled and this insurance company tried to change my medical evidence...my doctors new me, they stood up for me, but it didn&#039;t stop there, even though I had thousands of test results, no evidence of ever being diagnoses for depression, they provided the DDS office (I was unaware of any of this) with a tiny part of medical information, so guess what? I was declared mentally ill with no test results to confirm my medical claims.&lt;br&gt;&lt;br&gt;The local SSA Office called me, upset at what happened. They have provided the proof of other insurance company, but it is still hard to convince attorneys that fraud can happened (in midwest).&lt;br&gt;&lt;br&gt;I lost all my disabilty income and my husband lost his job. It continues to escalate and hopefully we will find the attorney form whom understands what is happening.</description>
		<content:encoded><![CDATA[<p>Even though I worked for a company whom mangaed accounts for insurance claims, medical and other resources.  <br />When we were stating our Hippa protocols, no one believed that our medical information was prototected.  </p>
<p>These company&#39;s would order prescription history&#39;s. In less then minutes they would receive both the prescription history but also what that medication could be used for&#8230;</p>
<p>So if a person medication history showed that a medication may be used for depression, bingo.<br />How would most people know that a medicine, taken may or may be used for depression, would have there benefits terminated.</p>
<p>So our doctors need to write down what that med is being used for&#8230;there is no shame to be depressed nor take medication, but for those who wasn&#39;t taking a med for depression that needs to in there records.</p>
<p>It disscusses me. I am too disabled and this insurance company tried to change my medical evidence&#8230;my doctors new me, they stood up for me, but it didn&#39;t stop there, even though I had thousands of test results, no evidence of ever being diagnoses for depression, they provided the DDS office (I was unaware of any of this) with a tiny part of medical information, so guess what? I was declared mentally ill with no test results to confirm my medical claims.</p>
<p>The local SSA Office called me, upset at what happened. They have provided the proof of other insurance company, but it is still hard to convince attorneys that fraud can happened (in midwest).</p>
<p>I lost all my disabilty income and my husband lost his job. It continues to escalate and hopefully we will find the attorney form whom understands what is happening.</p>
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		<title>By: Unum Denied Disability Claims: Unum second on list of the worst American insurance companies &#124; Beasley Allen</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-6</link>
		<dc:creator>Unum Denied Disability Claims: Unum second on list of the worst American insurance companies &#124; Beasley Allen</dc:creator>
		<pubDate>Wed, 25 Feb 2009 16:33:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-6</guid>
		<description>[...] or settle for less than their claim is worth. The insurance company is also accused of devising a cost-cutting scheme in which claimants are directed to file for Social Security disability insurance benefits first, [...]</description>
		<content:encoded><![CDATA[<p>[...] or settle for less than their claim is worth. The insurance company is also accused of devising a cost-cutting scheme in which claimants are directed to file for Social Security disability insurance benefits first, [...]</p>
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		<title>By: Hysterectomy Medical Tourism</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-5</link>
		<dc:creator>Hysterectomy Medical Tourism</dc:creator>
		<pubDate>Wed, 24 Dec 2008 07:50:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-5</guid>
		<description>Monopoly restrictive trade practices will not work-out always, corporate companies should stop dominating the Markets through their Mergers and Acquisitions.</description>
		<content:encoded><![CDATA[<p>Monopoly restrictive trade practices will not work-out always, corporate companies should stop dominating the Markets through their Mergers and Acquisitions.</p>
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		<title>By: pegtuck8</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-4</link>
		<dc:creator>pegtuck8</dc:creator>
		<pubDate>Tue, 09 Dec 2008 14:15:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-4</guid>
		<description>How did the trial turn out? I have just filed a claim with unom</description>
		<content:encoded><![CDATA[<p>How did the trial turn out? I have just filed a claim with unom</p>
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		<title>By: deborah phillips</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-3</link>
		<dc:creator>deborah phillips</dc:creator>
		<pubDate>Wed, 15 Oct 2008 03:24:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-3</guid>
		<description>i was out of work for three weeks. i was ready to go back to work in two weeks. but at the end of the second week, i still was not able to walk or put pressure on my foot (hammer toe correction), i was in so much pain still. the doctors office extented my leave for one week. found at the end of that week that there were undesolved stitches embedded in my toe. unum denied my payment for that last week. hard as times are and my mortgage being due, these folks thought i was just going to allow this. they rejected my doctors note and went steadfast on my last doctors visit stating i was doing better. but not still being able to put my foot in a shoe and being in so much pain and then finding those stitches, was not know at that visit. i wrote them a letter where i was not playing with them. sometime letters just have to have common sense. i had my doctor himself (cheif of the foot and ankle department) write a letter. they reverse my claim and paid me. i blame the companies that we work for. they go for these companies that they know that have a history of deniening claims. everyone was suprise my claim was reverse, even the customer service rep. at unum. i do hope that they get what they get.</description>
		<content:encoded><![CDATA[<p>i was out of work for three weeks. i was ready to go back to work in two weeks. but at the end of the second week, i still was not able to walk or put pressure on my foot (hammer toe correction), i was in so much pain still. the doctors office extented my leave for one week. found at the end of that week that there were undesolved stitches embedded in my toe. unum denied my payment for that last week. hard as times are and my mortgage being due, these folks thought i was just going to allow this. they rejected my doctors note and went steadfast on my last doctors visit stating i was doing better. but not still being able to put my foot in a shoe and being in so much pain and then finding those stitches, was not know at that visit. i wrote them a letter where i was not playing with them. sometime letters just have to have common sense. i had my doctor himself (cheif of the foot and ankle department) write a letter. they reverse my claim and paid me. i blame the companies that we work for. they go for these companies that they know that have a history of deniening claims. everyone was suprise my claim was reverse, even the customer service rep. at unum. i do hope that they get what they get.</p>
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		<title>By: Scott Thomas</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-2</link>
		<dc:creator>Scott Thomas</dc:creator>
		<pubDate>Fri, 10 Oct 2008 21:30:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-2</guid>
		<description>It&#039;s incredible that these companies will take your money for years and years and then when you become disabled and need the money the most, they find a reason to deny your claim.</description>
		<content:encoded><![CDATA[<p>It&#39;s incredible that these companies will take your money for years and years and then when you become disabled and need the money the most, they find a reason to deny your claim.</p>
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		<title>By: Disability Claim</title>
		<link>http://www.denied-disability-claim.com/news/2008/10/02/unumprovidents-federal-trial-in-progress/comment-page-1/#comment-22</link>
		<dc:creator>Disability Claim</dc:creator>
		<pubDate>Fri, 10 Oct 2008 19:01:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.denied-disability-claim.com/?p=83#comment-22</guid>
		<description>I find it very disturbing that people would try to take money from those who really need it. I am glad that these individuals are being tried - I just hope that the law does what is right and just.</description>
		<content:encoded><![CDATA[<p>I find it very disturbing that people would try to take money from those who really need it. I am glad that these individuals are being tried &#8211; I just hope that the law does what is right and just.</p>
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