Unum

A federal court in Michigan granted judgment to Unum Life Insurance Company of America, holding that its denial of Susan Usztics’s short-term disability benefits for fibromyalgia was not arbitrary and capricious, given the absence of objective evidence documenting any change in her functional capacity. Case at a Glance Insurer Win Case Susan Usztics v. Unum …

The Court determined that Unum came to a reasonable decision after a principled decision-making process. Although the Court may have reached a different conclusion independently, Unum did not abuse its discretion in denying Allen’s claim for long-term disability benefits.