In this book, long term disability insurance attorney Ben Glass reveals the mistakes that claimants and their doctors make in a disability claim that can virtually guarantee that the claim will be denied by the insurance company. Read this important book before you even think about applying for benefits. TheDisabilityBook.com
IT ALL SOUNDS TO ME LIKE, 1 BIG SCAM
tomcat624u 3 months ago
This may help someone. I have gotten my decision today, from the judge while with legal representation. My friend asked me, "have you tried using the system against the system?" In short, what he was getting at was go to the EDD and make them find you work. When you get fired repeatdly, which I will, it is all documented by the state contradicting the states claims as to whether or not I am capable of "gainful employment".
8MCDonalds8 11 months ago
A potential customer / employer should be educated about ERISA disability specifically. The employer is probably doing a disservice to the employee by making her believe that she is well taken care off in case of a disablity
rvsw 1 year ago
We have UNUM now helping "reform" the British NHS and access to welfare...
It's incredible to discover just how low some are willing to go for their god money!
StopUnumNow 1 year ago
Are you sure you're not gay?
danielcm81 2 years ago
Ask yourself this: why can a 40 year old middle manager buy group long term disability for a few hundred dollars when an individual plan will cost he/she well over $1500? Why doesn't some individual DI carrier lower their rate? Answer: they can't. They would go out of business. The real question to ask is why is group LTD so cheap, and the answer is because it will not protect you when you need it to! Millions rely on it, most don't understand it and many will get horribly screwed over.
Dave78m 2 years ago
Provident Unum supplemental disability insurance denied my claim when I could no longer practice as an anesthesiologist. They had no problem accepting my premiums, however, when I needed them most, they screwed me. I will never forgive them.
leddhed 2 years ago
You need to do some research or check your sources. You may not pay for it thru your employer, but when you become eligible for SSDI Unum not only offests with the employee disability benefit but they also take your dependents benefit. So Chris, your are way wrong when you say it is free and there are no other benefits and one Enormous Loss, and that is your privacy. Because it is a group policy ERISA rules and HIPAA no longer applies.
summarone 2 years ago
chris, pls don't be ignorant. nothing is free. when you say "employers pay", it is part of your benefits package. your decision to accept employment is based on total pkg, not just salary!!!!!!!
krazidudette 2 years ago
I've noticed that chris4obama manages to find any post that reveals the scam behind disability insurance and adds a little note to undermine the factual statements. I suspect that chris4obama works with the industry or a PR company to do some stealth spin control. Now who is the shill Chris? Tell me Chris. Who are you really, and why do you take so much time and trouble to sift through You Tube undermining truthful statements? Chris4obama you're busted.
signinblues 3 years ago