Paul Revere Disability Insurance

This article focuses on the disability insurance policy offered by Paul Revere Life Insurance Company, encompassing its policies, characteristics, advantages, and alternatives.

This includes tailor-made coverage options to suit individual requirements and financial plans.

Additionally, the article aims to address common queries related to Paul Revere Life Insurance Company and its policies.

Paul Revere Disability Insurance

Paul Revere Disability Insurance

Paul Revere sold disability policies to high-earning business owners, doctors, lawyers, and dentists.

These policies promised that if these individuals were unable to perform their occupational duties, they would receive a certain amount of money every month.

It was one of the companies that sold these policies.

Paul Revere and UNUM  disability insurance companies

  • If you hold a Paul Revere policy, you likely stuck with your insurer for a while.
  • Paul Revere ceased issuing policies in the early 2000s.
  • The policies Paul Revere provided in the 1990s were popular for offering high monthly benefits on favorable terms based on occupation.
  • UNUM, the insurance company, currently handles Paul Revere claims and benefits distribution.

Paul Revere Short-Term vs. Long-Term disability benefits

  • If an injury or illness prevents you from working, you may file for short-term disability.
  • If you are granted short-term disability benefits, they may expire after two years.
  • If you are still disabled and cannot work, you must file for long-term disability (LTD) benefits.
  • Insurance firms such as Paul Revere and UNUM are hesitant to pay out LTD benefits, so you need to make a strong case to prove your disability.

Features of Paul Revere/UNUM disability insurance

  1. Coverage options: UNUM offers both short-term and long-term disability insurance, giving individuals the flexibility to choose the coverage that best suits their needs.
  2. Income replacement: UNUM disability insurance provides income replacement to help individuals maintain their standard of living while they are unable to work due to a covered disability.
  3. Rehabilitation and return-to-work support: UNUM disability insurance offers rehabilitation and return-to-work support services to help individuals get back to work as soon as possible.
  4. Survivor benefits: In the event of the insured person’s death, UNUM disability insurance provides survivor benefits to help support their loved ones financially.
  5. Additional benefits: UNUM disability insurance offers a range of additional benefits, such as cost-of-living adjustments and mental health support services, to help individuals and their families during a difficult time.

Why UNUM is notorious for terminating or denying benefits

UNUM has a track record of handling claims unfairly.

  • In 2004, a multi-state investigation took place.
  • The investigation looked into UNUM’s management of disability insurance policies.
  • The investigation uncovered that UNUM was rejecting claims.
  • UNUM was not conducting a fair and proper review of the claims.

Why benefits can be terminated or denied

  1. Failure to meet the definition of disability.
  2. Insufficient medical evidence.
  3. Failure to comply with treatment.
  4. Exceeding the maximum benefit period.
  5. Recovery or improvement Fraud or misrepresentation.

How to prevent denial of insurance disability benefits

Preventing disability benefits denial can be a complicated process, but here are some steps you can take to increase your chances of success:

  • Understand the eligibility requirements: Before you apply for disability benefits, make sure you understand the eligibility requirements for the program. You can find information about these requirements on the Social Security Administration (SSA) website.
  • Gather all necessary documentation: The SSA requires a lot of documentation to support your disability claim. Be sure to gather all medical records, treatment notes, and other evidence that supports your claim. This includes any documents that show how your disability affects your ability to work.
  • Get a doctor’s opinion: Having a doctor’s opinion that supports your claim can be very helpful in getting approved for disability benefits. Ask your doctor to provide a detailed report about your condition and how it affects your ability to work.
  • Be honest and thorough: When filling out your application, be sure to answer all questions honestly and thoroughly. Don’t leave out any details about your condition or how it affects your ability to work. If the SSA discovers that you were not truthful on your application, your claim could be denied.
  • Consider working with an attorney: If you are having difficulty getting approved for disability benefits, you may want to consider working with an attorney who specializes in disability law. An attorney can help you understand your rights and can assist you with the application process.

Top five disability insurance firms in USA

  1. Guardian Life Insurance
  2. Mass Mutual of Omaha
  3. Northwestern Mutual
  4. Principal Financial Group


The article discusses the disability insurance policy offered by Paul Revere Life Insurance Company, which is now handled by UNUM.

It outlines the features of the policy, including income replacement, rehabilitation and return-to-work support, and survivor benefits.

However, UNUM has a track record of denying claims unfairly, and the article provides tips to prevent denial of disability benefits, such as understanding eligibility requirements, gathering necessary documentation, getting a doctor’s opinion, being honest and thorough, and considering working with an attorney.

The article also mentions the top five disability insurance firms in the USA, including Guardian Life Insurance, Mass Mutual of Omaha, Northwestern Mutual, and Principal Financial Group.

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