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 forms and your medical records to show that you are physically capable of engaging in sedentary employment.
So, for example, if you can exert up to 10 pounds of force occasionally, spending most of the time on walking and standing on an occasional basis, UNUM will measure these activities of daily living against the definition of sedentary employment.
So, in reality, the questions in regard to your daily activity have little to do with whether you meet the terms of disability found in your policy, those questions are solely about showing that you are physically capable of engaging in sedentary employment so your disability benefits can be denied or terminated.
UNUM long term disability denied Nancy Cavey has written the go to book Robbed for Your Peace of Mind .