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UNUM’S Chief Doctor Exposes Their Criminal Scheme of Claim Denial >>>

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The real reason 
 UNUM denies all CFS 
 claims is simple. It’s a 
 growing American 
 Epidemic, so they’re 
 saving money. 
 Read the seminal  
 book: Chronic Fatigue 
 Syndrome: The Hidden 
 Epidemic  >>>
Oh No!
I Bought
UNUM!

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He Bought UNUM

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UNUM INSURANCE
Gaslighting the disabled since 1848.

DATELINE EXPOSED UNUM - OCT 13! COVERED THEIR CROOKED “DESK REVIEWS,” THEFT, AND MANDATORY CUTOFFS. READ THE TRANSCRIPT >>>

Instead of giving him peace of mind,
UNUM made him lose his mind.

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What This Page is About

Catch up on events by  reading our NEWSLETTER ARCHIVES or the ORIGINAL LAWSUIT.

Hot Links! - Two Feist Depos as mentioned on Dateline, in PDF format. CBS “Sixty Minutes” Expose of UNUM is still coming.

My name is Dr. Judy Morris. I was an Emergency Room Physician disabled by an immunological condition known as Chronic Fatigue Syndrome. With my doctor's approval I submitted applications for disability benefits from UNUM Insurance Company of Portland, Maine, with whom I had purchased an individual policy and been provided a group policy through my employer.

UNUM set about denying my claims for disability benefits by having me followed by Private Investigators for over 2 1/2 weeks, including one night when someone tried to run me off the road.  I subsequently saw the PI reports and they were falsified regarding that incident and some other incidents that occurred while PI's were following me.

UNUM had doctors from Portland call my doctors on the telephone and tell them I was "difficult and litigious" and imply that I was malingering or a fraud.  When my doctors wouldn't agree with these characterizations, UNUM's "doctors" wrote up reports of these conversations claiming my doctors said negative and untrue things about me.  UNUM then used these fraudulent reports as rationale to deny my claims.

I have appealed through UNUM's sham appeals process, after getting two second opinions from Chronic Fatigue Syndrome experts. I have appealed and complained in writing over and over to the Massachusetts Department of Insurance, the Massachusetts Insurance Fraud Bureau, the Massachusetts Attorney General's office and some members of the State Legislature, as well as on a Federal level to the Department of Labor, the Department of Justice, the Federal Trade Commission, the FBI, US Attorneys, the media, and many others.

I have tried using attorneys three times and been disappointed. Finally I read the law books myself.  I'm currently in contact with over 100 UNUM claimants and several dozen attorneys who have lawsuits against UNUM.  Two claimants I knew of committed suicide most certainly because of the oppression of being involved in a lawsuit against this company in addition to deal with their disabling conditions.  One other woman I know of attempted suicide due to UNUM's actions.  Private Investigators have harassed and intimidated claimants all over the country. In one instance they rammed their car into one woman's car.  Many claimants have gone bankrupt. Some claimants are homeless or have experienced periods of homelessness. None of these people have recovered from their medical conditions just because UNUM says they have.

On October 30, 1998, I filed Pro Se, a lawsuit in Springfield, Massachusetts, Federal Court, a lawsuit against UNUM Insurance as well as my former employer, the Massachusetts Attorney General, Department of Insurance, Insurance Fraud Bureau, a State legislator, and 2 insurance agents accusing them of Racketeering, Extortion, Mail and Wire Fraud, and multiple counts of Attempted Murder and Murder.

I am documenting my attempts to get this lawsuit into a court of law and in front a jury, on this website.

Judy Morris, MD

Now, to understand the sequence of events, you can Read the Case file of UNUM’s massive cheats as they unfolded,  or Read the Lawsuit as filed against UNUM for Racketeering, Extortion, and Murder.  You can also Download the Zip file of the suit since this is a very large page.


Our “Smoking Gun” icon indicates the presence of hard evidence of UNUM Provident’s criminal wrongdoing.

Click here to read NBC Dateline’s Expose of UNUM’s Crimes ... Coming Soon . . . Why Insurers Can Commit the Same Terrible Crimes Over and Over Using Vacatur, Judicial “Speakers” Bribes, Gag Orders, and Corrupt DOIs . . .  Also Coming . . . The McSharry Deposition - UNUM’s Top Doctor Fingers Their Premeditated Cheats  . . .


To UNUM
,
I know you read these pages. At least I hope you do. You can harass me, surveil me, threaten me and defame me all you want. What you will be unable to do is discredit me. Why? Because I have a valid claim, iron clad wording in my contract, reputable research, the laws of Massachusetts and the United States (at least as they are written on the books), and common sense on my side. From Mark McCormick's Book - The Terrible Truth About Lawyers:

"Insofar as the don't-give-an inch mentality is EVER appropriate, it is appropriate only in situations where negotiations are out-and-out hostile. "And those situations, in turn, are very few. To my mind, they occur ONLY when one party's rights have clearly been violated before negotiations have begun. "If someone seizes hostages, then wants to talk, that's a hostile negotiation. "If one party to a contract UNCONSCIONABLY RENEGES, THEN want to discuss the matter, that's a hostile negotiation."

UNUM, by your actions and corporate policy towards CFS/FM and Chronic Pain patients, among others, have created just such a situation.

The progress of this case will be documented, step by step, word by word when necessary, so that it will stand in full clarity.

Judy Morris, M.D.

(Now, you can READ MY STORY from the beginning, catch up on recent events in our NEWSLETTER ARCHIVES, or go BACK TO THE MAIN MENU.)

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