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.)