A central part of United Policyholders' mission is to educate and
unite insureds with current information on insurance issues. Consistent
with that mission, United Policyholders serves as a clearinghouse for
documents relating to disability insurance policies. UP launched this
service after being swamped with requests for information by disabled
policyholders and their advocates. ISP documents are available to policyholders, policyholder advocates and employees of governmental agencies only.
These documents are relevant to the majority of disability
policyholders in the United States because most people who buy
disability insurance are insured by one company comprised of former
merged competitors UNUM, Provident Accident and Life, and Paul Revere.
The documents indicate a business strategy to boost profits by unfairly
denying disability claims. Many thousands of disabled insureds
throughout the United States appear to have been the victims of this
How to Order Documents
The documents currently available through UP's Info Sharing
Project include claims manuals, policy forms, transcripts, evidence, whistleblower and other
deposition testimony and jury instructions from coverage and bad faith litigation. If you are a policyholder, a
policyholder advocate or an employee of a government agency and would
like to obtain copies of these or other materials:
STEP 1: Send an e-mail requesting ordering information to Machelle Jaarsma at email@example.com.
STEP 2: Submit your order to Ms. Jaarsma via e-mail and she will calculate the amount owing.
STEP 3: For fastest delivery, pay via the secure online payment.
For regular Fed Ex delivery, send a check payable to
381 Bush Street, 8th Floor
San Francisco, CA. 94104