What are the general terms of the settlement agreements?
-Unumprovident and its disability insurance subsidiaries are offering to reassess any individual or group long-term disability claim that was denied or closed since January 1, 2000, except for specific categories of closures such as settlement, death or payment of maximum benefits. In addition, Unumprovident is offering to examine, upon request, claims that were similarly denied or closed during the time period January 1, 1997 through December 31, 1999. -restructuring the claim handling procedures to ensure that all future claims are reviewed in a fair and objective manner, including an agreement to: +select medical examiners based solely on merit, and ensure that those examiners review all relevant records before reaching a determination; +require personnel making impairment determinations to certify that their determinations were based upon a review of all the relevant evidence; +prohibit company personnel from trying to influence the outcome of disability claim appeals; and +grant s
