Had to go to the doctor to have my annual re-assessment of disability signed.
He’s convinced that some questions on the form are ambiguously worded, and I
agree. I was denied benefits for the first period of disability because the
doctor signing the form interpreted “date current restrictions began” to
mean the day he signed the form (because my condition had changed since I first
went off work), which UNUM chose to interpret that the doctor felt I had not
been disabled prior to the current date. Which was not what he meant.
Therefore, this doctor suggested that I clarify in the cover letter that his
response that he did not tell me to stop working means that I was already
not working when he saw me the first time, therefore, there was no need for him
to tell me to stop working, because I already had. He wanted to make sure
that his response was not interpreted to mean that he didn’t think I should
have stopped working, because he agrees I can’t work, just that he was not the
doctor who told me to stop.
So, you may want to circulate this suggestion to your local support group
members who have changed doctors since going off work, to ensure that UNUM
doesn’t use that answer to terminate benefits.
Karen M. Campbell
Sacramento, Calif.
Founder, CFSFacts – dispelling the myths and providing the facts
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