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Forced Reversal of 45% of LTD Denials Means Something is Wrong
Dan Buckle via The Group Guy 
[Opinion] May 13, 2008
Excerpt: In an announcement May 5, 2008 The Tennessee Department of Commerce and Insurance released a report documenting the results of a multi-state settlement concerning disability claim practices by Unum and its subsidiaries since 2004 and the results are fascinating; 45.1% of group LTD claim decisions were reversed resulting in an additional $558.6M of additional benefits either paid or reserved for future benefit payment.... Keep in mind the majority of these contracts were likely to be ERISA plans.
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