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April 25, 2015 10:26 AM ET


Company Overview of Unum Life Insurance Company Of America

Company Overview

Unum Life Insurance Company of America offers group income protection, life, long term care, and special risk insurance services. The company was formerly known as Commercial Life Insurance Company. Unum Life Insurance is based in Portland, Maine. Unum Life Insurance Company of America operates as a subsidiary of Unum Group.

2211 Congress Street

Portland, ME 04122-0003

United States

Founded in 1848





Key Executives for Unum Life Insurance Company Of America

Unum Life Insurance Company Of America does not have any Key Executives recorded.

Unum Life Insurance Company Of America Key Developments

Unum Life Insurance Wins Class-Action Suit over Retained Asset Accounts

The three-judge panel of the First Circuit U.S. Court of Appeals has unanimously ruled that plaintiffs in a class-action suit against Unum Life Insurance Co. of America failed to prove the insurer breached fiduciary duties under the federal Employee Retirement Income Security Act. The lawsuit was filed in October 2010 alleging that the company breached fiduciary duties it owed to certain beneficiaries under certain group life insurance policies when it established interest-bearing retained asset accounts to pay life insurance proceeds instead of mailing checks.

The U.S. Supreme Court Declines to Review Decision of the Fifth U.S. Circuit Court of Appeals

The U.S. Supreme Court declined to review a decision of the Fifth U.S. Circuit Court of Appeals holding a disability insurer did not act arbitrarily and capriciously when it considered emails provided by a plan participant's former acquaintance in making its decision to terminate the participant's benefits. The insured plan participant claimed lower back, leg and foot pain prevented her from working as an attorney. Unum Life Insurance Co. of America awarded the insured long-term disability benefits. Years later, a former companion of the insured provided Unum with emails indicating that while claiming to be disabled, the insured engaged in activities, such as traveling abroad, that were inconsistent with her asserted disability. Based in part on those emails, Unum denied the insured's claims and sought more than $1 million in reimbursements for benefits paid. The insured sued Unum, alleging it wrongfully terminated her benefits. Unum filed a counterclaim seeking to recover the more than $1 million in benefits it alleged the insured fraudulently obtained. Although the district court concluded substantial evidence supported Unum's denial of benefits, it held the denial was procedurally unreasonable and, therefore, an abuse of discretion because Unum did not fulfill its duty to "consider the source" of the emails. Unum appealed. The Fifth Circuit reversed the district court's judgment. In evaluating whether a plan administrator wrongfully denied benefits under ERISA, the Fifth Circuit indicated it never imposed a duty to investigate the source of evidence. Instead, the burden is on the claimant to discredit evidence relied on by the plan administrator. Thus, Unum did not have an affirmative duty either to investigate the accuracy of the emails or to investigate and further consider their source. Furthermore, the district court gave improper weight to Unum's structural conflict, which it should have considered as one factor among many when reviewing the case.

Sixth U.S. Circuit Court of Appeals Affirms Long-Term Disability Benefit Award Against Unum Life Insurance Company of America

The Sixth U.S. Circuit Court of Appeals affirmed, in relevant part, a district court's affirmation of a long-term disability benefit (LTD) award to an ERISA-regulated plan participant, subject to offsets for Social Security Disability Insurance (SSDI) and workers' compensation awards. The offsets were proper given the administrator's determination that the participant's disability resulted from the same conditions for which the SSDI and workers' compensation awards were made. Tamara Ciaramitaro worked for Greektown Casino L.L.C. as a floor person charged with filling slot machines with coins and making minor repairs to those machines. On Oct. 26, 2001, Ciaramitaro fainted while at work and sustained a closed-head injury. She later developed lumbar problems and, in 2003, she was diagnosed with brain injuries stemming from the fainting episode. In 2003, Ciaramitaro sought LTD benefits under an ERISA-regulated employee benefits plan administered by Unum Life Insurance Co. of America. Unum denied the claim. Ciaramitaro's subsequent action against Unum challenging the denial was dismissed. In 2006, Ciaramitaro was awarded workers' compensation benefits for her lumbar problems; in January 2007, she was awarded SSDI benefits for her brain injuries. Ciaramitaro again sued Unum alleging wrongful denial of benefits. A district court remanded the claim back to Unum for a redetermination. Unum concluded that Ciaramitaro was entitled to benefits, to be offset by her workers' compensation and SSDI awards. The district court affirmed the benefits award subject to an offset for Ciaramitaro's SSDI and workers' compensation benefits.

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