This is an excerpt taken from Wikipedia
UNUM GROUP, UNUM US, UNUM UK, COLONIAL LIFE - HEALTH INSURANCE PAYMENT PROTECTION PLANS
Controversy
Unum garnered media attention in 2002 after attorneys who had sued the company went to national television outlets claiming the company had quotas for closing claims. The company countered the accusations by noting that "only 2% of the policyholders who filed a claim with the company ... were found not to be disabled" and that court judgments in the prior year were in the company's favor 75% of the time, although this amount is by case, not by total monetary obligation, which can be misleading. In December 2004, the company and several states entered into a regulatory settlement agreement. Unum has also been branded an "outlaw company" by the former California Insurance Commissioner.
In April 2007, the LA Times published a major article updating problems with the multistate review. Advising the United Kingdom government on claims since 1994, Unum is also involved with the UK's current, much criticised Welfare Reform Bill.
The BBC have recently investigated UNUM's claims handling systems which affected thousands of Americans - investigation entitled "'Rogue' firm advising in UK". Link available below.
http://search.bbc.co.uk/cgi-bin/search/results.pl?scope=all&edition=d&tab=av&recipe=all&q=welfare+rogue&x=0&y=0
]]>