Required Changes In UnumProvident DI Practices In California
? Discretionary authority: The company can no longer use “discretionary clauses” that appear to give it unlimited discretion to interpret policy language.
? Mental and nervous conditions: The company cannot apply a 24-month limit on benefits for mental and nervous conditions to a claimant who has mental health problems but also continues to suffer from serious physical health problems.
? Self-reported conditions: The company must stop using “self-reported condition” provisions for conditions such as pain and weakness to limit benefits payments.