We may require you to be examined by a physician, other medical practitioner and/or vocational expert of our choice. Unum will pay for this examination. We can require an examination as often as it is reasonable to do so. We may also require you to meet with and be interviewed by an authorized Unum Representative. Unum will deny your claim, or stop sending you payments, if you fail to comply with our requests. TO WHOM WILL UNUM MAKE PAYMENTS? Unum will make payments to you. WHAT HAPPENS IF UNUM OVERPAYS YOUR CLAIM? Unum has the right to recover any overpayments due to: - fraud; - any error Unum makes in processing a claim, however, we must request reimbursement within 18 months of the date of overpayment; - disability earnings; or - deductible sources of income. You must reimburse us in full. We will determine the method by which the repayment is to be made which may include reducing or withholding future payments including the minimum monthly payment. Unum will not recover more money than the amount we paid you. Any unpaid premium due for your coverage under this policy may be recovered by us by offsetting against amounts otherwise payable to you under this policy, or by other legally permitted means.
LTD-CLM-2 (1/1/2025)
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