UNUM Complaint - UNUM LTD - Denied after 9-11 years
I first became sick during the year of 2000 after receiving lupron shots for endometriosis. I immediately told my GYN that something was wrong, and after the 3rd shot and severe back pain, I finally went to the ER where they found numerous kidney stones in each kidney, more each time I went.
Anyone that has had stones knows how painful they are, and I'm sure are flinching right about now. I was eventually told that I either had to have something done (a hysterectomy), or lose my job, so I gave in and had the hyst, even though I didn't think that would fix the problem. And I was right.
I spent 5 days in the hospital, the first night after the surgery I was bleeding internally, but my GYN wouldn't answer the calls from anyone, including the nurses, luckily the rounds Dr figured it out the next morning, and I had another surgery and 4 pts of blood.
The 3rd night in the hospital I was vomiting and very sick, passing a stone. Dr came in and asked if I had proof, which I did the next morning in my cath bag. After the 5th day I had to leave because I was afraid they were going to kill me.
If that wasn't enough, still passing stones and in extreme pain, I was still stressed out from fighting with UNUM for my benefits, and the panic attacks every time I saw a letter from them, or a phone call from them.
I was initially denied, but after approx 5 years later, when they got caught, I was approved, paid the back pay, and interest. However, they didn't take taxes out, which put me into a bigger problem which I won't go into at this time.
They continuously sent my PCP and other Drs paperwork to fill out, called them as well as myself, said they didn't receive info that I know they did because I have copies of the files, and I was always worried if I would receive a check or not, and could never count on receiving one, or notice that I wouldn't. One of these times was during Christmas.
Finally after paying me for approx 9 years, they declined me.
I spent most of my time in pain, and trying to find the right meds that would work for me, and the side effects wouldn't be too bad. Also spent time getting off of meds to reassess my pain, because I HATE taking pain medication and not being in control.
They said it was due to sending out someone to visit my home (should have video taped it), and I was able to sit in a recliner with my feet up, and a blanket and pillow. They also based this on the fact that in the span of 48 hours, they got 6 minutes of me going to the ATM, pharmacy and checking the mail (which I use to get some sun due to vitamin D deficiency).
They badger you until you are too tired to fight and have nothing left in you. They labeled me as an addict due to going to pain management Drs and leaving due to their practices being unethical, and people outside trying to sell their meds, as well a 12 hour wait at the longest time, and at the least 5 hours, giving me medication that I told them I couldn't take, and not having time to see me when I had a bad reaction to the medication they did give me. I chose to stick with my PCP.
I also saw many, many Drs trying to figure out what was wrong with me. Finally in approx 2010, my bladder pain was diagnosed as IC, the ENT diagnosed me with TMJ, I already had previous surgery for adhesion's, and no one will touch me with a knife unless an emergency, Fibro, constant urinary tract and pelvic pain, and unable to do many things at all without starting a very painful flair up. They suggested this was Dr. Shopping, even though there is evidence of me turning down medication, and just basically trying to figure out why I was in so much pain all the time.
What I thought were UTI's was finally diagnosed with the IC, and the "Dr. Shopping" was just trying to figure out what was wrong with me, not to get more medication.
They are very underhanded at trying to keep you on the phone as long as possible, asking questions that have a double meaning to them, even after being told that I have constant sore throats and can't talk for long (they still said I could go back to being a telemarketer, a job I had when I was much younger, but yet if I could do that, I would have no problem taking any job that I could function at).
If anyone else has problems with them, I suggest that you contact the DOI in Maine, they will usually push you off to another state, but definitely file a complaint so they know that UNUM is up to the same tricks again at the roundtable.
There are many youtube videos by attys about UNUM's actions that might also interest some people.
I am still very ill, and can't get one problem fixed before another one shows up. Just recetly they detected a calcification in my lung, and during the past years along with the other problems I have horrible bone pain to add to the other problems. All I want is for them to see the truth, and Drs that can help me fix my problems so I can live a real life again. So far it doesn't look good.
Eventually they used mental illness to deny my claim, as they only have to pay you for 24 mos for that, compared to my other illnesses, and completely ignored my PCP's recommendation that I could no longer work, although each form got shorter and shorter as he (and I understand completely) got tired of filling out the same forms over and over again.
I hope they get set straight again, as this isn't just about money, but about ethics and morals. When you sign up for something that you hope you'll never need in your lifetime, it would be nice to know that if you do need it, it will be there to help you.
Thanks for reading.