AMERICAN UNITED LIFE
AMERICAN UNITED LIFE INSURANCE – ONEAMERICA®
American United Life Insurance does not administer its own group claims. Instead, it subcontracts that work to Disability Reinsurance Management Services, Inc. (Disability RMS), a Maine claims administrator. Disability RMS has written claim standards. It will share with you the claim standards directly relevant to your claim. If you have a claim that is potentially subject to limited benefits, such as a claim with a mental illness limitation or if you have concurrent disabilities, ask for the relevant claim standards.
Questionable Evaluation of Claimant Medical Records
One “independent” doctor whom Disability RMS routinely uses to evaluate claimants medical records does not appear to have an active medical practice or to routinely see patients. This doctor, a psychiatrist and neurologist also works for many other insurance companies, providing reports based on records reviews. Disability RMS frequently relies upon his opinions to terminate or deny benefits. One apparently common practice of Disability RMS uses with regard to claimants with co-morbid conditions is to terminate benefits on the grounds that physical conditions are not disabling and there is a limited benefit period for disabilities caused by mental illnesses. As you should know by now, ERISA requires an internal or administrative appeal if your benefits are terminated or denied. Disability RMS also commonly allows a voluntary appeal.