Do you have a neurobiological disorder like depression, bipolar, SZ, or OCD and have a limit on your long term disability insurance policy? If so, you may be eligible to be part of a class action suit designed to get long term disability (LTD) providers to stop capping the amount (or length of time) they pay for people who go on disability because of an NBD Cindy Lieferman has started a class action suit against UNUM Life Insurance Company of America and First UNUM Life Insurance Co. of America. It may be expanded to other companies. Those two companies provide LTD insurance to individuals and groups (employers). The policies they issue provide LTD until you are 65 for people who have to stop working because of a"physical" disability. But if you stop working because of an NBD, they will only reimburse for24 months of disability. That is discrimination. Your LTD policy may do the same and you may not even know it, so please check.

What can you do:

1. If you have an NBD and have been denied LTD Benefits (or fear being denied benefits) by UNUM or any LTD provider, contact Cindy Lieferman (address below)

2. Ask your employer for a copy of your LTD policy and see if it offers people with NBD less coverage than people with other disorders. If so, send a copy of your LTD policy to Cindy no matter what company the policy is from.

3. Publish this article in your newsletters and post on other BBSs, Web sites, newsgroups, mailing lists, etc. Give to other organizations.

4. Send Cindy any info you have on how or why Long Term Disability Insurance Policies discriminate against people with NBD. If you have case histories, send those as well. Any info you have on this subject is appreciated.


Contact: Cindy Lieferman, 14755 Preston Road, #214, Dallas, TX 75240. Ph: 972 490 9101; Fax 972 490 1650 (thanks to joe lovelace, Pres TXAMI for this)