Opinion ID: 7011521
Heading Depth: 2
Heading Rank: 3

Heading: The Correspondence

Text: By letter dated February 3, 1995, Unum wrote to Mogck to remind him of the policy definition of disability applicable after two years. Unum advised Mogck that “based on information we have, we find that you will not be disabled from any occupation and you will therefore not be eligible for benefits beyond June 25,1995.” By letter dated June 1, 1995, _ Unum informed Mogck that “we are unable to extend benefits past June 25, 1995.” The letter reviewed the policy definitions of disability, cited the doctors’ reports in its possession, and stated,”[y]ou no longer meet the above definition of disability, we must deny any further liability on your claim.” The letter then informed Mogck that “[i]f you have new additional information to support your request for disability benefits, please send it to my attention at the above address,” and “[i]f you do not agree with our decision, you may have it reviewed. Should you desire a review, you must send a written request, within 60 days of your receipt of this notice” [to a given address]. By letter dated July 8, 1995, Mogck requested “a review of the decision to deny me further benefits at this time,” requested copies of his medical records in Unum’s file, and stated that he would send additional medical records. By letter dated August 3, 1995, Mogck enclosed additional medical records. By letter dated September 29, 1995, Unum informed Mogck that it had reviewed the medical information recently provided and • concluded that, “[w]hile it does support the fact that you have various medical conditions, none of those conditions support medical restrictions that would impair your ability to perform any gainful occupation.” The letter stated that Unum’s prior decision to terminate benefits as of June 25; 1995, would be upheld.