How Unum Got Lit Up by the Court in an ERISA Disability Denial: A Breakdown of Mundrati v. Unum
In the latest slapdown of insurance shenanigans, the Western District of Pennsylvania dropped a detailed, point-by-point takedown of Unum’s denial of long-term disability (LTD) benefits in Mundrati v. Unum Life Ins. Co. of Am., 2025 U.S. Dist. LEXIS 53449 Let’s dig into why Unum lost — and lost hard. Background: Dr. Pooja Mundrati and a 3-Year Medical Odyssey Dr. Pooja Mundrati, a highly specialized interventional spine physiatrist, suffered serious injuries from a 2018 car accident. Her symptoms ranged from persistent migraines and fatigue to cervical spinal stenosis requiring surgery. For years, she pushed through part-time work with documented restrictions from [...]