In my case, I was hired by a Contract Company supporting the US Government for (10) years, in Conversion and Repair of Shipbuilding for the US Navy at SupShip Pascagoula, Mississippi.
No one can say this Contract Company was not negligent when they knowingly provid-ed their employees with a corrupt, fraudulent Insurance Carrier “UNUM PROVIDENT.” I’m more than sure this is against Government, DOD Regulations.
Yearly, Benefit Packets pertaining to 2002 were filled out December of 2001, in an all Employee Mandatory Meeting with instructions provided by our Human Resource Person.
HR informed all, if we had no increases in our policies for the up-coming year not to worry, because all policies would automatically be rolled over to the next year since they were in the process of a company name change.
In January of 2002, my Husband was diagnosed with Terminal Cancer and I immediately notified Human Resource of his condition.
In December of 2002 Human Resource informed all employees, that UNUM Provident would no longer offer Spousal Life Insurance Policies.
I requested a Conversion Form from my Company.
In the mean time, I became ill and was placed out of work by my Physician and on medical leave. Most of the time, I was bed ridden. I drew Short Term Disability.
After STD was exhausted, UNUM’s failure to pay disability, placed me into a financial bind.
I was later notified from my Employer, I had no Life Insurance on my Husband because I failed to opt for it in December of 2001.
I called the previous Insurance Carrier and was informed by letter that my Company had notified them in January of 2002 (Same time I notified them of his illness) he was terminated due to non payment of premiums.
I infomed our Site Office, If my Company didn’t make things right, I would be forced to take legal actions in order to collect my husband’s Life Insurance money.
My Husband’s Life Insurance Premiums were were taken automatically from my Payroll deductions. They were deducted through December of 2001 which would prove January 2002 premium was fully paid. I have the supporting documenta-tions.
I called Human Resource, reminding her of telling us all our Policies would be carried over that year, she denied it!
I then informed her of calling numerous Employees who were witnesses in that same meeting and they verified that’s exactly what she told us.
HR informed Mississippi State EEOC, stating I failed to fill out an Enrollment Form in December of 2001 for 2002 benefits.
Sorry, I filled out the same Enrollment Form everyone else did.
If EEOC did their job, of representing me, all they had to do was to get a court order, request my Contract Company to provide them copies of 2001 Enroll-ment Forms filled out by all Employees in December 2001 for their review. (From our Site)
How would all Employees know to cross out(3) different blocks, on an Enrollment Form? The truth stands, we were instruc-ted to do so by Contract Company HR.
Yet, when I pulled this Enrollment document out a year later, what HR said didn’t pertain to us, had everything to do with our obtaining Insurance.
I notified the Vice President of the Company and he said he believed me and they would have to make it right. Right never came, but wrong sure did!
The day my Short Term Disability ended, my job did too. I was informed by Human Resource, when STD ends your position does too.
This had never been a previous practice. Other Employees had been out using Long Term Disability. They retained their positions. This was nothing short of retaliation by HR.
Also, informed, I lost all Seniority, Life Insurance and Medical Insurance. Yet, they kept me on Medical Leave of Absence.
HR certainly notified UNUM Provident the minute she got off the phone with me.
I had never been harassed by UNUM while on STD, but the very next day after my position came to an end, they began harassing and informed me, they would never pay Long Term Disability.
Previously, about eight months before my husband was diagnosed with cancer, I had been severely ill and on medical leave myself.
I have been diagnosed with numerous diseases. Cervical Disc, Lumbar Disc and Valvular Heart Disease. Yet UNUM Rep states my Physicians did not indicate any disease process.
Also, I had seizures, elevated blood pressure and Micro Vascular changes in the Brainstem, evidence of strokes. I have Chronic Fatigue Syndrome, Ebstein Bar Virus and Degenerative disc.
I’ve provided UNUM Provident every piece of documentation they requested;however, it’s never been enough.
My Physicians and Local Hospital provided UNUM Major Medical Reports in depth, what test was made to determine each specific diagnoses. Exa.: MRI’s, Cat Scans, Nerve Conduction Test, Motor & Sensory Test, EKG’s, Stress Testing, other Heart Testing, Blood Work & various documents to prove various diseases.
I requested an appeal for Long Term Disability and again was turned down.
UNUM Provident willfully constructed statements from my qualified Physicians Reports, Claimant Statements and Hospital Reports to disqualify my Claim.
UNUM Rep. stated that I had no medical evidence to support my claim; therefore, he was unable to approve my benefits. His reason for this statement is frivolous, based on deceit, fraudulent, bad Faith and justifiable cause of action against their Insurance Company.
Anyone’s stress level would elevate if you had a Company who conspired with their Insurance Carrier by terminating your dying husband’s Life Insurance Policy.
Also an Employer who conspired to terminate you out of retaliation, not to mention the loss of my Life Insurance Policy and Medicals with no money coming into my house hold for seven months.
My Husband lost his battle with cancer a year ago January 11, 2004.
I was forced to use my 401K, to survive and keep from losing my home.
By Law, I’m rightfully due Long Term Disability from my Company and their corrupt, fraudulent Life Insurance Carrier. Their intent is to “let your State take care of you!” Therefore, both save their money, by disqualifying, qualified claimants, relieving them from their responsibility to the Claimant.
In my case, I was hired by a Contract Company supporting the US Government for (10) years, in Conversion and Repair of Shipbuilding for the US Navy at SupShip Pascagoula, Mississippi.
No one can say this Contract Company was not negligent when they knowingly provid-ed their employees with a corrupt, fraudulent Insurance Carrier “UNUM PROVIDENT.” I’m more than sure this is against Government, DOD Regulations.
Yearly, Benefit Packets pertaining to 2002 were filled out December of 2001, in an all Employee Mandatory Meeting with instructions provided by our Human Resource Person.
HR informed all, if we had no increases in our policies for the up-coming year not to worry, because all policies would automatically be rolled over to the next year since they were in the process of a company name change.
In January of 2002, my Husband was diagnosed with Terminal Cancer and I immediately notified Human Resource of his condition.
In December of 2002 Human Resource informed all employees, that UNUM Provident would no longer offer Spousal Life Insurance Policies.
I requested a Conversion Form from my Company.
In the mean time, I became ill and was placed out of work by my Physician and on medical leave. Most of the time, I was bed ridden. I drew Short Term Disability.
After STD was exhausted, UNUM’s failure to pay disability, placed me into a financial bind.
I was later notified from my Employer, I had no Life Insurance on my Husband because I failed to opt for it in December of 2001.
I called the previous Insurance Carrier and was informed by letter that my Company had notified them in January of 2002 (Same time I notified them of his illness) he was terminated due to non payment of premiums.
I infomed our Site Office, If my Company didn’t make things right, I would be forced to take legal actions in order to collect my husband’s Life Insurance money.
My Husband’s Life Insurance Premiums were were taken automatically from my Payroll deductions. They were deducted through December of 2001 which would prove January 2002 premium was fully paid. I have the supporting documenta-tions.
I called Human Resource, reminding her of telling us all our Policies would be carried over that year, she denied it!
I then informed her of calling numerous Employees who were witnesses in that same meeting and they verified that’s exactly what she told us.
HR informed Mississippi State EEOC, stating I failed to fill out an Enrollment Form in December of 2001 for 2002 benefits.
Sorry, I filled out the same Enrollment Form everyone else did.
If EEOC did their job, of representing me, all they had to do was to get a court order, request my Contract Company to provide them copies of 2001 Enroll-ment Forms filled out by all Employees in December 2001 for their review. (From our Site)
How would all Employees know to cross out(3) different blocks, on an Enrollment Form? The truth stands, we were instruc-ted to do so by Contract Company HR.
Yet, when I pulled this Enrollment document out a year later, what HR said didn’t pertain to us, had everything to do with our obtaining Insurance.
I notified the Vice President of the Company and he said he believed me and they would have to make it right. Right never came, but wrong sure did!
The day my Short Term Disability ended, my job did too. I was informed by Human Resource, when STD ends your position does too.
This had never been a previous practice. Other Employees had been out using Long Term Disability. They retained their positions. This was nothing short of retaliation by HR.
Also, informed, I lost all Seniority, Life Insurance and Medical Insurance. Yet, they kept me on Medical Leave of Absence.
HR certainly notified UNUM Provident the minute she got off the phone with me.
I had never been harassed by UNUM while on STD, but the very next day after my position came to an end, they began harassing and informed me, they would never pay Long Term Disability.
Previously, about eight months before my husband was diagnosed with cancer, I had been severely ill and on medical leave myself.
I have been diagnosed with numerous diseases. Cervical Disc, Lumbar Disc and Valvular Heart Disease. Yet UNUM Rep states my Physicians did not indicate any disease process.
Also, I had seizures, elevated blood pressure and Micro Vascular changes in the Brainstem, evidence of strokes. I have Chronic Fatigue Syndrome, Ebstein Bar Virus and Degenerative disc.
I’ve provided UNUM Provident every piece of documentation they requested;however, it’s never been enough.
My Physicians and Local Hospital provided UNUM Major Medical Reports in depth, what test was made to determine each specific diagnoses. Exa.: MRI’s, Cat Scans, Nerve Conduction Test, Motor & Sensory Test, EKG’s, Stress Testing, other Heart Testing, Blood Work & various documents to prove various diseases.
I requested an appeal for Long Term Disability and again was turned down.
UNUM Provident willfully constructed statements from my qualified Physicians Reports, Claimant Statements and Hospital Reports to disqualify my Claim.
UNUM Rep. stated that I had no medical evidence to support my claim; therefore, he was unable to approve my benefits. His reason for this statement is frivolous, based on deceit, fraudulent, bad Faith and justifiable cause of action against their Insurance Company.
Anyone’s stress level would elevate if you had a Company who conspired with their Insurance Carrier by terminating your dying husband’s Life Insurance Policy.
Also an Employer who conspired to terminate you out of retaliation, not to mention the loss of my Life Insurance Policy and Medicals with no money coming into my house hold for seven months.
My Husband lost his battle with cancer a year ago January 11, 2004.
I was forced to use my 401K, to survive and keep from losing my home.
By Law, I’m rightfully due Long Term Disability from my Company and their corrupt, fraudulent Life Insurance Carrier. Their intent is to “let your State take care of you!” Therefore, both save their money, by disqualifying, qualified claimants, relieving them from their responsibility to the Claimant.
The day I forward you this comment, I wasn’t sure I checked the blocks below or that it was actually e-mailed.
I accidently hit a key and it just went!
Nevertheless, I hope my article was published and you do have my permission to reprint this comment in any edition.
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hey i was only trying to take of my sockholders,and my year end bonus! its the american way.
i’m so concerned about myself i forgot to write in ” taking care of my sockholders etc.”
In my case, I was hired by a Contract Company supporting the US Government for (10) years, in Conversion and Repair of Shipbuilding for the US Navy at SupShip Pascagoula, Mississippi.
No one can say this Contract Company was not negligent when they knowingly provid-ed their employees with a corrupt, fraudulent Insurance Carrier “UNUM PROVIDENT.” I’m more than sure this is against Government, DOD Regulations.
Yearly, Benefit Packets pertaining to 2002 were filled out December of 2001, in an all Employee Mandatory Meeting with instructions provided by our Human Resource Person.
HR informed all, if we had no increases in our policies for the up-coming year not to worry, because all policies would automatically be rolled over to the next year since they were in the process of a company name change.
In January of 2002, my Husband was diagnosed with Terminal Cancer and I immediately notified Human Resource of his condition.
In December of 2002 Human Resource informed all employees, that UNUM Provident would no longer offer Spousal Life Insurance Policies.
I requested a Conversion Form from my Company.
In the mean time, I became ill and was placed out of work by my Physician and on medical leave. Most of the time, I was bed ridden. I drew Short Term Disability.
After STD was exhausted, UNUM’s failure to pay disability, placed me into a financial bind.
I was later notified from my Employer, I had no Life Insurance on my Husband because I failed to opt for it in December of 2001.
I called the previous Insurance Carrier and was informed by letter that my Company had notified them in January of 2002 (Same time I notified them of his illness) he was terminated due to non payment of premiums.
I infomed our Site Office, If my Company didn’t make things right, I would be forced to take legal actions in order to collect my husband’s Life Insurance money.
My Husband’s Life Insurance Premiums were were taken automatically from my Payroll deductions. They were deducted through December of 2001 which would prove January 2002 premium was fully paid. I have the supporting documenta-tions.
I called Human Resource, reminding her of telling us all our Policies would be carried over that year, she denied it!
I then informed her of calling numerous Employees who were witnesses in that same meeting and they verified that’s exactly what she told us.
HR informed Mississippi State EEOC, stating I failed to fill out an Enrollment Form in December of 2001 for 2002 benefits.
Sorry, I filled out the same Enrollment Form everyone else did.
If EEOC did their job, of representing me, all they had to do was to get a court order, request my Contract Company to provide them copies of 2001 Enroll-ment Forms filled out by all Employees in December 2001 for their review. (From our Site)
How would all Employees know to cross out(3) different blocks, on an Enrollment Form? The truth stands, we were instruc-ted to do so by Contract Company HR.
Yet, when I pulled this Enrollment document out a year later, what HR said didn’t pertain to us, had everything to do with our obtaining Insurance.
I notified the Vice President of the Company and he said he believed me and they would have to make it right. Right never came, but wrong sure did!
The day my Short Term Disability ended, my job did too. I was informed by Human Resource, when STD ends your position does too.
This had never been a previous practice. Other Employees had been out using Long Term Disability. They retained their positions. This was nothing short of retaliation by HR.
Also, informed, I lost all Seniority, Life Insurance and Medical Insurance. Yet, they kept me on Medical Leave of Absence.
HR certainly notified UNUM Provident the minute she got off the phone with me.
I had never been harassed by UNUM while on STD, but the very next day after my position came to an end, they began harassing and informed me, they would never pay Long Term Disability.
Previously, about eight months before my husband was diagnosed with cancer, I had been severely ill and on medical leave myself.
I have been diagnosed with numerous diseases. Cervical Disc, Lumbar Disc and Valvular Heart Disease. Yet UNUM Rep states my Physicians did not indicate any disease process.
Also, I had seizures, elevated blood pressure and Micro Vascular changes in the Brainstem, evidence of strokes. I have Chronic Fatigue Syndrome, Ebstein Bar Virus and Degenerative disc.
I’ve provided UNUM Provident every piece of documentation they requested;however, it’s never been enough.
My Physicians and Local Hospital provided UNUM Major Medical Reports in depth, what test was made to determine each specific diagnoses. Exa.: MRI’s, Cat Scans, Nerve Conduction Test, Motor & Sensory Test, EKG’s, Stress Testing, other Heart Testing, Blood Work & various documents to prove various diseases.
I requested an appeal for Long Term Disability and again was turned down.
UNUM Provident willfully constructed statements from my qualified Physicians Reports, Claimant Statements and Hospital Reports to disqualify my Claim.
UNUM Rep. stated that I had no medical evidence to support my claim; therefore, he was unable to approve my benefits. His reason for this statement is frivolous, based on deceit, fraudulent, bad Faith and justifiable cause of action against their Insurance Company.
Anyone’s stress level would elevate if you had a Company who conspired with their Insurance Carrier by terminating your dying husband’s Life Insurance Policy.
Also an Employer who conspired to terminate you out of retaliation, not to mention the loss of my Life Insurance Policy and Medicals with no money coming into my house hold for seven months.
My Husband lost his battle with cancer a year ago January 11, 2004.
I was forced to use my 401K, to survive and keep from losing my home.
By Law, I’m rightfully due Long Term Disability from my Company and their corrupt, fraudulent Life Insurance Carrier. Their intent is to “let your State take care of you!” Therefore, both save their money, by disqualifying, qualified claimants, relieving them from their responsibility to the Claimant.
In my case, I was hired by a Contract Company supporting the US Government for (10) years, in Conversion and Repair of Shipbuilding for the US Navy at SupShip Pascagoula, Mississippi.
No one can say this Contract Company was not negligent when they knowingly provid-ed their employees with a corrupt, fraudulent Insurance Carrier “UNUM PROVIDENT.” I’m more than sure this is against Government, DOD Regulations.
Yearly, Benefit Packets pertaining to 2002 were filled out December of 2001, in an all Employee Mandatory Meeting with instructions provided by our Human Resource Person.
HR informed all, if we had no increases in our policies for the up-coming year not to worry, because all policies would automatically be rolled over to the next year since they were in the process of a company name change.
In January of 2002, my Husband was diagnosed with Terminal Cancer and I immediately notified Human Resource of his condition.
In December of 2002 Human Resource informed all employees, that UNUM Provident would no longer offer Spousal Life Insurance Policies.
I requested a Conversion Form from my Company.
In the mean time, I became ill and was placed out of work by my Physician and on medical leave. Most of the time, I was bed ridden. I drew Short Term Disability.
After STD was exhausted, UNUM’s failure to pay disability, placed me into a financial bind.
I was later notified from my Employer, I had no Life Insurance on my Husband because I failed to opt for it in December of 2001.
I called the previous Insurance Carrier and was informed by letter that my Company had notified them in January of 2002 (Same time I notified them of his illness) he was terminated due to non payment of premiums.
I infomed our Site Office, If my Company didn’t make things right, I would be forced to take legal actions in order to collect my husband’s Life Insurance money.
My Husband’s Life Insurance Premiums were were taken automatically from my Payroll deductions. They were deducted through December of 2001 which would prove January 2002 premium was fully paid. I have the supporting documenta-tions.
I called Human Resource, reminding her of telling us all our Policies would be carried over that year, she denied it!
I then informed her of calling numerous Employees who were witnesses in that same meeting and they verified that’s exactly what she told us.
HR informed Mississippi State EEOC, stating I failed to fill out an Enrollment Form in December of 2001 for 2002 benefits.
Sorry, I filled out the same Enrollment Form everyone else did.
If EEOC did their job, of representing me, all they had to do was to get a court order, request my Contract Company to provide them copies of 2001 Enroll-ment Forms filled out by all Employees in December 2001 for their review. (From our Site)
How would all Employees know to cross out(3) different blocks, on an Enrollment Form? The truth stands, we were instruc-ted to do so by Contract Company HR.
Yet, when I pulled this Enrollment document out a year later, what HR said didn’t pertain to us, had everything to do with our obtaining Insurance.
I notified the Vice President of the Company and he said he believed me and they would have to make it right. Right never came, but wrong sure did!
The day my Short Term Disability ended, my job did too. I was informed by Human Resource, when STD ends your position does too.
This had never been a previous practice. Other Employees had been out using Long Term Disability. They retained their positions. This was nothing short of retaliation by HR.
Also, informed, I lost all Seniority, Life Insurance and Medical Insurance. Yet, they kept me on Medical Leave of Absence.
HR certainly notified UNUM Provident the minute she got off the phone with me.
I had never been harassed by UNUM while on STD, but the very next day after my position came to an end, they began harassing and informed me, they would never pay Long Term Disability.
Previously, about eight months before my husband was diagnosed with cancer, I had been severely ill and on medical leave myself.
I have been diagnosed with numerous diseases. Cervical Disc, Lumbar Disc and Valvular Heart Disease. Yet UNUM Rep states my Physicians did not indicate any disease process.
Also, I had seizures, elevated blood pressure and Micro Vascular changes in the Brainstem, evidence of strokes. I have Chronic Fatigue Syndrome, Ebstein Bar Virus and Degenerative disc.
I’ve provided UNUM Provident every piece of documentation they requested;however, it’s never been enough.
My Physicians and Local Hospital provided UNUM Major Medical Reports in depth, what test was made to determine each specific diagnoses. Exa.: MRI’s, Cat Scans, Nerve Conduction Test, Motor & Sensory Test, EKG’s, Stress Testing, other Heart Testing, Blood Work & various documents to prove various diseases.
I requested an appeal for Long Term Disability and again was turned down.
UNUM Provident willfully constructed statements from my qualified Physicians Reports, Claimant Statements and Hospital Reports to disqualify my Claim.
UNUM Rep. stated that I had no medical evidence to support my claim; therefore, he was unable to approve my benefits. His reason for this statement is frivolous, based on deceit, fraudulent, bad Faith and justifiable cause of action against their Insurance Company.
Anyone’s stress level would elevate if you had a Company who conspired with their Insurance Carrier by terminating your dying husband’s Life Insurance Policy.
Also an Employer who conspired to terminate you out of retaliation, not to mention the loss of my Life Insurance Policy and Medicals with no money coming into my house hold for seven months.
My Husband lost his battle with cancer a year ago January 11, 2004.
I was forced to use my 401K, to survive and keep from losing my home.
By Law, I’m rightfully due Long Term Disability from my Company and their corrupt, fraudulent Life Insurance Carrier. Their intent is to “let your State take care of you!” Therefore, both save their money, by disqualifying, qualified claimants, relieving them from their responsibility to the Claimant.
The day I forward you this comment, I wasn’t sure I checked the blocks below or that it was actually e-mailed.
I accidently hit a key and it just went!
Nevertheless, I hope my article was published and you do have my permission to reprint this comment in any edition.
The problem still cotinues today…obviously they have not learned their lesson!