u/No-Ease-6286

Location: Tennessee

Hi,

I have a question. I am currently on LTD with UNUM. They have tried to make me sign the authorization form to give them access to all of my medical records. I wrote them a formal statement saying that I am not giving them broad access to my medical records (which I am entiteld to) and that I will continue to submit what is required for them to continue to process my claim. They have said that is fine (though they keep asking for the form).

However, here is where I am confused. They are still requesting my medical records from each of my doctors that I had listed on my form (and my doctors are submitting my notes to them). I have looked back at every form I have submitted to UNUM and do not see anywhere where I have signed anything that says that I give them permission to request my medical records in any form they have sent me.

Did I accidentally miss something or accidentally gave them access when I made an account with UNUM or is it implied in the original form somewhere that asked for my list of doctors and therefore gave them access without stating it specifically on a form? Nowhere can I find (other than the authorization form I refuse to sign) anything anywhere that states I've given them permission to do this on any form I have signed.

I've not reached out to UNUM because I don't want there to be any red flags and I am not sure if I misunderstood something here, but I've uploaded everything they've asked for and they send formal letters to me asking me for the same documents they are reaching out to my providers for, which makes no sense.

So is there an issue on their end that they don't realize that I didn't sign a form and they aren't allowed to be doing this or is there something I missed where they are entitled to do that and the broad authorization form was for other doctors or medical records? It seems like they can request whatever they want right now, which defeats the whole purpose of me not signing the form.

Any insight would be appreciated! Thank you!

Hi,

I have a question. I am currently on LTD with UNUM. They have tried to make me sign the authorization form to give them access to all of my medical records. I wrote them a formal statement saying that I am not giving them broad access to my medical records (which I am entiteld to) and that I will continue to submit what is required for them to continue to process my claim. They have said that is fine (though they keep asking for the form).

However, here is where I am confused. They are still requesting my medical records from each of my doctors that I had listed on my form (and my doctors are submitting my notes to them). I have looked back at every form I have submitted to UNUM and do not see anywhere where I have signed anything that says that I give them permission to request my medical records in any form they have sent me.

Did I accidentally miss something or accidentally gave them access when I made an account with UNUM or is it implied in the original form somewhere that asked for my list of doctors and therefore gave them access without stating it specifically on a form? Nowhere can I find (other than the authorization form I refuse to sign) anything anywhere that states I've given them permission to do this on any form I have signed.

I've not reached out to UNUM because I don't want there to be any red flags and I am not sure if I misunderstood something here, but I've uploaded everything they've asked for and they send formal letters to me asking me for the same documents they are reaching out to my providers for, which makes no sense.

So is there an issue on their end that they don't realize that I didn't sign a form and they aren't allowed to be doing this or is there something I missed where they are entitled to do that and the broad authorization form was for other doctors or medical records? It seems like they can request whatever they want right now, which defeats the whole purpose of me not signing the form.

Hi All,

Has anyone used the pure lut brand (or any brand really at this point) of luteolin and found benefit? If so, how long did it take to notice benefits and what did it help with? Just starting this as I can't take high enough doses of MCAS meds. Thank you!