The Dirty Secret about UNUM’s Disability Questionnaires
UNUM disability applicants will be asked to complete a number of questionnaires including an activity of daily living form. Do you think that UNUM is interested in your well being and that of your family by asking these questions. Absolutely not, long term disability carriers, including UNUM will deny disability benefits if you are capable of “sedentary” work. The US department of Labor defines sedentary work as the “ability to exert up to 10 pounds of force occasionally, spending most of the time on walking and standing on an occasional basis.” Long term disability carriers like UNUM will use activity of daily living...
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