ANOTHER UNUM claimant tells his story
Stephen T. Russell wrote:
your case sounds identical to mine with one exception. my carrier is
UNUM the largest in the world.
My name is Stephen Russell and I live in Arizona. I have a similar
situation with respect to the malingering, fraud, not wanting to work
anymore, surveillance, supeoneas, harassment, intimidation, talking to
my peers, friends and golfing buddies, etc. etc.
etc.......................... I had a car accident and was making high
6 figures annually and had two disability buy out policies(own
Occupation) to purchase my stock from my partner(NON ERISA CASE) along
with a personal Paul Revere policy(own occupation) that pays me for life
if I am either disabled or suffer a residual loss of wages after I get
better. They are all own occupation policies. Any way I injured my lower
back and filed claims with all three carriers approximately 4 to six
months later. After the initial accident thinking I would get better I
kept working part time while doing doctor ordered therapy. Well Paul
Revere has been paying me since day one as my income level immediately
dropped to approximately 20 percent of what I was making. The Unum
policy had a one year wait and the other policy (Royal acabbees) was a
two year wait. I sold my stock to my partner after nine months as I was
worse then ever and did not want my disability to effect the company and
employees. It was not until after three IMEs and 1 year and four months
later that UNUM and Royal Macabees denied my claim. Of course all three
carriers were working together sharing everything and anything they had
on me.
BY the way as all this is going on I had settled with the Insurance
carrier that covered the vehicle that hit me (accident not my fault)for
policy limits and now was in a battle with my own carrier State Farm for
the under insured motorist claim which I was eventually won and was
awarded close to seven figures. By the way I am still faking my claim. I
evidently had major back surgury in may 1996 and neck surgery in May
1997 for total cost of about $185,000.00 give or take a thousand. But
remember I am still faking this claim. You have to understand this by
now. Anyway the surgical report verified all my complaints from the
first day that I was seen in the Emergency room at a hospital. But if
you talk to UNUM I am still faking. By the way around August 1996 two
years and five months after the car accident I was put on full SS
benefits from the Government from the date of the accident and am still
collecting as I am still disabled according to the SS.(and my doctors)
But rembember I am still faking.
Yeah I am like you. I have spent thousands on legal fees, have just
recently won the right to obtain all lawsuits filed against UNUM since
1994 to the present by the AZ Supreme Court. (boy UNUM does not want
this) and was even ordered by the Judge in State Superior Court to
have a videotape deposition of the CEO of UNUM (they fought for two
years not to have his depo taken and then we surprised them with the
video.
Any way you will be probably be reading about me some day as the one
that broke UNUM'S back. I will never sign gag orders and cannot wait
for the Trial to start to hear the verdict and see there faces.
(everyone pray for me and for us) Of course I know that whatever the
verdict is it will get appealed but who cares. I dont need there money
like most people. They have screwed me like they have countless
thousands of others and I want their blood.
I also have a friend that is up against provident also. He may lose
everything as he is running out of money and they are wearing him down.
to be continued::::::::::::::::::::::::::
[printed with permission]
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Date: Wed, 2 Sep 1998 03:59:00 -0400
Subject: UNUM defies Arizona Supreme Court
UNUM has defied the order form the Arizona Supreme Court. UNUM is now in
contempt of the Arizona Supreme Courts decision to produce the
documentation regarding the 1,000 plus lawsuits for disability claims denials.
The next step, Steve Russell's lawyers now have to go to court to request
sanctions and penalties against UNUM.
Judydoc
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Created: July 17, 1998
Last Updated: May 28, 2000