Migliaccio & Rathod LLP is investigating whether holders of certain Unum group long-term care insurance policies were improperly required to continue paying premiums during periods when their coverage provided for a premium waiver.
Some Unum group long-term care insurance plans, including coverage offered through employers and public-sector benefits programs, provide that premiums will be waived while an insured person receives qualifying covered benefits. Policyholders may maintain this coverage for many years after leaving an employer, making continued premium payments during a qualifying waiver period potentially costly.
Migliaccio & Rathod is investigating whether Unum continued collecting premiums after policyholders qualified for a waiver or began applying premium waivers later than required under the applicable group insurance certificates.
Policyholders May Have Experienced:
- Continuing to receive premium bills while receiving covered long-term care benefits;
- Having premiums deducted automatically during a qualifying waiver period;
- Being charged premiums after satisfying the applicable waiver requirements;
- Having the premium waiver begin later than the date required by the group policy;
- Paying premiums that should have been waived under their coverage; or
- Difficulty obtaining refunds or explanations for continued premium deductions.
Potential Claims May Include:
- Failure to honor group long-term care premium waiver provisions;
- Improper collection of insurance premiums;
- Incorrect calculation of waiver eligibility dates;
- Breach of applicable insurance or plan terms; or
- Other remedies available under governing state or federal law.
Signs You May Be Affected:
- You obtained Unum long-term care insurance through an employer or group benefits program;
- Your policy or certificate includes a waiver of premium provision;
- You received qualifying covered long-term care benefits;
- You satisfied the applicable requirements for a premium waiver;
- Unum continued billing or collecting premiums during a qualifying waiver period; or
- You have the group insurance certificate, benefit records, and premium payment statements.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.