Unum Investigates Volunteer Activities


Last week I wrote a post about insureds and claimants volunteering for worthwhile causes in their communities only to wind up with denied disability claims because insurers, like Unum, equate volunteer activity with measures of work capacity.

Unum’s insane giant leap from a few hours of volunteer work to the physical or mental ability to sustain full-time jobs in a competitive work place is an indication of the company’s desperate attempts to deny more and more claims.

Although in concept “volunteering” is good mentally and physically for disabled persons, there are ground rules insurers look for in making comparisons to “own occupation” definitions and the ability to perform work. First and foremost, insureds (and their physicians) often make the mistake of providing Unum with medical restrictions and limitations that actually preclude volunteer activity…

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