Healthy people especially - Please read the following post
From firstname.lastname@example.orgSat Aug 8 16:19:01 1998
Date: Fri, 07 Aug 1998 11:05:34 -0400
Subject: Healthy people especially - Please read the following post
This problem directly affects ANYONE who either buys their own
disability insurance OR has it provided as a benefit of employment.
UNUM is leading the way in writing "disability" policies that limit
disability benefits for 2 years, not only for mental illnesses (which as
we seen is illegal under the ADA anyway), but also for other chronic,
incurable illnesses! UNUM does not and probably CAN NOT justify these
exclusions actuarially because they are making RECORD PROFITS.
Now your insurance agent or employer will say something like, well, we
are providing insurance for catastrophic illnesses like strokes and
heart attacks. WAKE UP. For people suffering from Chronic Fatigue
Syndrome, Chronic intractible back pain, unpredictable dizziness, many
mental illnesses, lupus, multiple sclerosis, arthritis, even heart
disease and strokes, it is the WEAKNESS, FATIGUE, or PAIN that is the
most DISABLING PART OF THE CONDITION. Not to mention the fact that if
you are in pain all the time or so weak you can't regularly stand for
more than a short time, that IS CATASTROPHIC.
Do you really think you are going to be miraculously "cured" in two
years when your DI benefits terminate and even if you were "cured" you
would most likely not have a job to return to?
IT'S A SHAM POLICY. The term is constructive fraud, fraudulent
inducement. UNUM is selling policies of insurance that they have no
intention of honoring. They have unconscionable and legally
unenforceable clauses. The fact that these policies are being approved
for sale by the very Departments of Insurance that should know these
things should tell you something. We are being HAD. (Yes, I know, most
of you already know it, but some haven't quite got it yet).
Heads up guys. They are already selling these policies in all but 4
states. Meanwhile the mental illness limitation is being found to be
illegal. How can they sell policies with clauses that are more than
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Uncivilization and its Discontents
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at: judydoc AT the-spa DOT com
at: bhammel AT graham DOT main DOT nc DOT us
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Created: August 08, 1997
Last Updated: May 28, 2000