UNUM UK PAYMENT PROTECTION PLANS HEALTH INSURANCE

JUNE SCOTT UNUM UK DORKING - A DEVIL IN DISGUISE??

Thu, 31 Jan 2008 00:33:50 +0100

This serves as a serious warning to anyone who deals with June Scott of Unum.

June Scott (the lady with more faces than a diamond) called me and enquired as to how I was feeling. I started opening up to her - genuinely thinking she was concerned as to the state of my health.

I later found out she had documented everything I was telling her - even contacting my company in the process. This company and it's employees has to be the most untrustworthy, underhand, manipulative organisation I have ever had the displeasure to be involved with.

If you are in work and well - great they are your best friend.

If you are off work sick? Well yes, they're still your "best friend" but behind your back they're plotting to pull the chair from beneath you.

Please learn from my mistakes because the consequences are debilitating.

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UNUM NET INCOME DISASTER - SHARES TO COLLAPSE YET AGAIN???

Tue, 29 Jan 2008 18:26:32 +0100

Problems Seem to Get Worse for UNUM

The beleagured Unum Group (UNM) said late Monday that fourth-quarter net income came in at $160.5 million, or 44 cents per common share, down a massive 42% from a year earlier when the disability insurer made $276.1 million, or 80 cents per common share.

Just 4 years ago Unum's shares sank like a stone to just $6. We predict a similar drop is on the cards.

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UNUM DISGRACE CONTINUES - My Psychiatrist said Unum is Nuts

Fri, 21 Dec 2007 22:11:11 +0100

WARNING

If you are a company or an individual with a UNUM policy we strongly urge you to choose a different health insurance provider. The UNUM policy might not be worth the paper it is written on. This blog serves as a warning to management of UNUM corporate customers worldwide - you must make sure your staff are adequately covered and must not be treated and suffer in the this way.

FAILURE TO ACT MAY RESULT IN STAFF TAKING LEGAL ACTION AGAINST YOU

The list of customers unhappy with their UNUM policies is monumental. Here is yet another story which brings shame to this disgraced medical insurer which saw it's ex director jailed for fraud.

Pensicola, FL: Barbara Falco was in a car accident in 2003 and is still suffering today; she is in constant pain. She also had to quit her job as a nurse. Unfortunately, First Unum (formerly Unum Provident) doesn't agree with Falco; they think she just has "anxiety issues" and cut her off long-term disability benefits.

In January, 2003 Falco was a passenger in a car, waiting in line at a drive-through pharmacy. The driver in the car ahead picked up her prescription, put her car in gear and floored it—in reverse. "I had a better chance of hitting the lottery than this happening to me," says Falco, wryly. "The driver was in her 80s and she was wearing cataract sunglasses at nighttime. She got out of the car with a cane and could barely stand; they should have done a drug test on her."

Falco had back pain within seconds. She was not unfamiliar with back injuries; as well as being a nurse, she had back surgery several years previous, but she was back to work within six weeks and never had any back problems since.

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But now she was in excruciating pain. She was taken by ambulance to the hospital (where she also worked) and they took x-rays, started an IV and gave her a shot of Demerol. They determined that Falco had soft tissue damage and sent her home.

"The next day I couldn't move," says Falco. "I stayed off work a few days but the hospital called, it was the first Sunday in February, and said they couldn't do without me so I went in. But I was totally dysfunctional; I couldn't move my neck and had severe pain in my lower back. I had to walk down the halls, check charts, but I couldn't do it. Instead I had to go home and said I would call in when I felt better.

I first saw a chiropractor; then a neurologist and other specialists. During this time I got short term disability, for three months. And all this time I am paying for long-term disability. When I ran out of PTO time, [A paid time off (PTO) policy combines vacation, sick time and personal time] I paid my Unum policy out-of-pocket. After three months I got long-term disability and social security (I was 54).

After two years, First Unum cut me off. Unum then said they were going to take payments out of my long term disability (LTD) money because I owed them my social security money--all of it. I had no idea that they had this 'rule', that I couldn't collect social security. Next, they reduced the amount of my LTD—I just got the difference between my social security and long-term disability amounts.

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It took a year for Unum to give me the right amount and they finally cut me a check for $4,000--after a long battle.

First Unum sent me to one of their medical examiners (a knee specialist). He knocked my knee, made me turn around and that was it. During this time I was going to a pain management doctor and was taking heavy narcotics including morphine, Fentanyl patches and OxyContin.

Six months later, in January of 2005, they told me I no longer qualified to get disability because my injury was 'just anxiety' and I had 'no other problems'. I have no idea how they came to this conclusion except I was on Xanax - the nerve pill—for a while. It helped me relax and quit smoking. I also went to a psychiatrist and he said Unum is nuts.

I had tens treatments, ice packs, physiotherapy and finally another surgery on my back in October, 2004. How could they cut me off? You don't have back surgery without a reason and I even have the surgery on video.

On December 29th, 2005 I had a morphine pump placed in my stomach. If I walk 150 feet, I want to die. If I stand for a few minutes making a sandwich, I want to die. I can't take clothes from the washer to the dryer. I have a long scrubby brush to wash my feet. I am in constant pain with any activity. I went on a cruise and couldn't even walk to the dining room—I was walking like an ape. This isn't anxiety and it really makes me mad.

I can't understand how the government lets Unum get away with this. If it wasn't for my family and friends, I would be out on the street. We have to get together and do something about this."

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UNUM DEEPER IN DEBT?

Mon, 17 Dec 2007 11:26:36 +0100

" class="middle" border="0"> For professional medical insurance try axa.com

"Unum Group secures $400M financing"

Unum Group said Thursday it established a $400 million unsecured revolving credit facility through Wachovia Capital Markets LLC and Banc of America Securities LLC.

The company intends to use any drawn borrowings for general corporate purposes.

'We are very pleased to have established this credit facility which provides additional liquidity and financial flexibility for the company,' said Robert Greving, chief financial officer and chief actuary of Unum Group. 'Completing this facility despite the current difficult environment for financial companies is a strong endorsement of Unum and further evidence of the growing market confidence in our company.' - Nice spin

Or does it simply mean UNUM are in deep trouble and need to borrow more to make ends meet?

I predict UNUM shares to fall before a complete collapse.

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UNUM SHARES CONTINUE TO FALL SHARPLY

Fri, 14 Dec 2007 23:20:49 +0100

UNUM shares continue to freefall as word spreads about dealings involving staff and corruption. The BBC has investigated UNUM to some lengths last month and maybe it is now time board members and management on both sides of the Atlantic were relieved of their jobs.

Till this course of action is taken we fear shares will continue to fall.

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INTRODUCTION TO AXA PPP MEDICAL HEALTH INSURANCE

Thu, 13 Dec 2007 23:37:52 +0100

Why cover your employees?

Health insurance can provide:

prompt access to diagnosis of health problems
prompt access to non-emergency treatment
reduced waiting times, helping to get your employees back to work quickly
a choice of admission time or date at a convenient time around work and family commitments
a choice of consultant or hospital.

It is also a highly valued employee benefit, proving useful for employee retention and recruitment.

A range of private medical insurance plans to meet your business' needs.
Family members can be covered

You and your employees can also cover family members under the company medical insurance plan - we are always happy to include partners and children. However, it should be noted that, for the purposes of calculating group size, we only count employees of the company.

An allowable business expense

If your company is subject to corporation tax our health insurance is an allowable business expense. However, directors and employees whose earnings (including expenses) exceed £10,000** per annum are liable to tax on the premiums paid on their behalf.

Employers' National Insurance contributions are also payable on the taxable private medical insurance benefits enjoyed by employees in a tax year. There is, of course, no tax on any benefits claimed, provided premiums are paid entirely from company resources. This is something that you will need to check with your accountant or local tax office.

Click text for more information

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"ROGUE FIRM" UNUM SHARES IN MELTDOWN NYSE

Tue, 27 Nov 2007 12:10:49 +0100

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UNUM shamed in BBC investigation into UK Government reform - payments to Labour Party? :(" class="middle" border="0">

UNUM have seen their shares plunge to less than $23 - the lowest they have been since last March as consumer confidence in the beleagured company is at an all time low.

We expect the sharp falls to continue for at least another fortnight and eventual recovery may be slow.

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UNUM US SHARE PRICE - THE DISASTER CONTINUES

Wed, 21 Nov 2007 18:44:50 +0100

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Shares in disgraced medical insurance company UNUM have plunged yet again on the New York Stock Exchange as the beleagured company continues to suffer for it's past indiscretions. More steep falls expected.

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UNUM GROUP UTTERLY DISGRACED - MORE DAMNING EVIDENCE EMERGES IN BBC WEBSITE VIDEO

Tue, 20 Nov 2007 19:59:13 +0100

Set Google as your homepage!

If ever further proof was required to confirm the alleged illegal activities of UNUM then surely the vt investigation from the BBC website will clear any lingering doubts.

find video here: http://search.bbc.co.uk/cgi-bin/search/results.pl?scope=all&edition=d&tab=av&recipe=all&q=welfare+rogue&x=0&y=0

How the disgraced company and it's management can continue to operate in the UK and US is incredible.

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MORE DAMNING EVIDENCE FROM BBC WEBSITE

Mon, 12 Nov 2007 12:15:00 +0100

If ever proof was required to confirm the alleged illegal activities of UNUM then surely the vt from the BBC website will clear any lingering doubts.

find video here: http://search.bbc.co.uk/cgi-bin/search/results.pl?scope=all&edition=d&tab=av&recipe=all&q=welfare+rogue&x=0&y=0

How the disgraced company and it's management can continue to operate in the UK and US is incredible.

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HEALTH WATCHDOG BLOG NAMES AND SHAMES UNUM TACTICS

Sun, 04 Nov 2007 18:34:10 +0100

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From http://healthwatchdog.blogspot.com/

UNUM Brings Shame to Insurance Industry
Numerous claims made by individuals who have become unable to continue with their insured occupation by illness or disability have been left high and dry by UNUM.

UNUM, their adjusters, doctors, and investigators engage in intentional deceptions and outright lies to prejudice and deny the claims.

These tactics include advising clients courses of action which render their policy worthless. They even employ agents who spy on clients, invade their privacy, make nuisance phone calls and break into cars to gather evidence.

We advise UK members who have made a claim against UNUM to seriously consider requesting all information on file with UNUM. This can be done in writing and is subject to the UK Freedom of Information/Data Protection Acts

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