Diane of Granville, OH on May 1, 2015
Denied benefits after became disabled by Epilepsy, which was diagnosed 2 years after I began to pay into Unum. Unum said it was because I failed to disclose every symptom for any condition, for which I DID NOT seek medical treatment. This is so broad that it includes the hangnail I had 9 years ago, for which I DID NOT seek medical treatment!
(This sounds like a pre-existing condition denial. Unum once denied a claim for pre-x because the insured was found to have taken Advil for tension headaches.)
All Things Chronic 
but they aren’t supposed to do that now, isn’t there a way to force them to stop using preexisting conditions?
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Unum is not bound by the Affordable Care Act.
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what? how can that be? the law is the law. did they get grandfathered in or something?
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Unum is a private corporation that offers both short-term and long-term disability insurance policies. It does not have to follow the ACA, which is about basic health care.
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