A confidential independent report by Mo Stewart 




This detailed evidence report is offered to members of the House of Lords as a contribution to the delayed debate on Welfare Reform, now planned for September 13th, and was prepared at the personal invitation of noble members from the House.   

As a retired Healthcare Professional I have invested in excess of 12 months of my time, health permitting, to investigate the relationship between the American insurance corporate giant UNUM Insurance, the Department for Work & Pensions (DWP) and Atos Healthcare (AH). AH is the private contractor engaged by the DWP to conduct the medical assessments of the chronically sick and long-term disabled population of the UK, who are in receipt of disability benefits, yet this company is not regulated by the Care Quality Commission and so the public have no protection.  The parent company, Atos Origin – another foreign corporate giant – have been awarded several significant government contracts, including the very lucrative IT contract for the 2012 Olympic Games, that the government ensured was awarded as part of “fair and open competition.” 


It is cause for enormous concern that, when engaged as UK government advisers on welfare reform, in 1994, Unum Insurance were known as Unum Provident Insurance.  This corporate insurance giant dominates the income protection (disability) insurance market, worldwide, with 25 million clients in the US alone.  Unum Provident Insurance have a diabolical reputation, with strong evidence of atrocious tactics, and a resistance to funding the income protection insurance once a client made a claim following the onset of chronic ill health or permanent disability. (A*)  

By 2005, following copious numbers of successful legal cases throughout the USA, the California Department of Insurance Commissioner, John Garamendi, stated that “Unum Provident is an outlaw company. It is a company that has operated in an illegal fashion for years…”  By 2007, the American Association for Justice identified Unum Provident as “..the second worst insurance company in the US.”(5)  Therefore, given this company’s proven record of sustained misconduct, one must surely enquire why they were ever permitted to be involved with the welfare of British citizens on a statutory basis.   


Following the statement by the American Association for Justice in 2007 Unum Provident Insurance once again changed its name and is now known as Unum Insurance. Unum Insurance deny culpability for the past history of the company and, mysteriously, the majority of the evidence of past wrongdoing by Unum Provident Insurance has disappeared from the public domain, including the transcript of a BBC News report, from 2007, happily rescued from obscurity by researchers who predicted that the UK was at risk of adopting a copy of the American healthcare system, funded by insurance.  With the latest press release from Unum Insurance, announcing that they are about to flood the UK market with mass marketing for income protection insurance, it looks like this is about to become a reality. 


EXTRACT FROM BBC REPORT: UNUM PROVIDENT – BBC News 10pm  6th November 2007: 


Mark Daly, presenter:  But, there are still dozens of bad faith cases and allegations outstanding against the company on both sides of the Atlantic.  Despite all of this Unum had senior executives sitting on key government working groups last year, and has provided detailed memorandum on transforming the benefits system. (The government also awarded grants worth £300,000 to Unum’s research centre in Cardiff.  See page 4.  MS) 


Mark Daly, presenter:  The BBC has discovered internal documents revealing that Unum believes it is driving Government policy.  The Department for Work and Pensions refused to comment on Unum’s past. 




The government’s devotion to its main priority, which is a dramatic reduction of the welfare budget, has meant that the concerns of respected frontline charities such as Citizens Advice(1), Macmillan(2), Scope(3), and the Disability Alliance(4) are all seemingly ignored.  These welfare organisations, and many others, have collectively expressed serious concerns regarding growing evidence that the disability assessment system, using the Work Capability Assessment (WCA), is flawed and totally unworkable – but the government doesn’t appear to be listening.  On this basis there is a legal challenge now being undertaken by the Disability Alliance, which may lead to a Judicial Review of the government’s welfare reforms. 


Government concern expressed for the welfare of the chronically sick and disabled people of this nation can only be considered to be totally insincere when employing the services of Atos Healthcare (AH) to assess them.  Indeed, the assessment of the long term sick and disabled population by a private contractor with no formal accountability structure, using computer  


      (A*) New York Attorney General Spitzer’s ruling: 


         (1) Citizens Advice: 


         (4) Disability Alliance: www.disabilityalliance.org/dbcpress3.htm  


software instead of a detailed physical examination, has been identified as unnecessarily traumatic.(1-4,7)  This dangerously flawed medical assessment system uses a computer questionnaire, based on a points system, as recommended by government advisers Unum (Provident). Why does a UK government use a discredited US corporate insurance giant as advisers if not to adopt their system? 


Successful government propaganda has the able bodied general public convinced that the majority of people in receipt of Incapacity Benefit(IB) or Disability Living Allowance(DLA) are mainly ‘scroungers.’ This is despite the fact that all evidence supports the fact that, out of the entire DLA budget, less than 0.5% were bogus applications with 1.5% admin error.(1,4)  So why do the other 98% need to suffer other than because the chronically sick and disabled population make very easy targets?  Since when is the opinion of medical experts, namely consultants and specialists in the relevant fields of the claimants’ disability, unacceptable as a level of a patient’s ability to work other than when the DWP need to reduce costs?  This is a very dangerous and medically unacceptable precedent, imported from America, that has administrators without relevant qualifications and an unaccountable medical assessment system deciding the fate of often desperately ill and chronically disabled people.  Many people in receipt of DLA do work as the award of DLA is unrelated to employment, but they work because they are well enough to engage in employment, and not when forced to look for employment by DWP medical tyranny because Job Seekers Allowance is much cheaper to fund than disability benefits. 


The DWP’s resistance to employing qualified medical administrators has meant that basic grade administrators, known as “Decision Makers”, who have confirmed that they lack the ability to interpret medical evidence,(7) have betrayed the sick and disabled people the WCA was meant to protect. The actual disability assessment, as reported by the AH contracted healthcare professional (HCP), is simply one extremely limited opinion derived from a dubious computer evaluation programme, as confirmed in the WCA review by Professor Harrington.(7) The main responsibility of the DWP Decision Makers, as identified in the government contract with Atos Origin Healthcare Services, is to correlate all presented medical evidence including the detailed reports of GPs and consultants, who know the claimant and have actually treated them.  Given that the opinions of these medical specialists are accepted in every court in the land, it seems more than reasonable to consider their clinical judgement when deciding if anyone is fit to return to work or to retain disability benefits.   


However, the Harrington Review (7) confirmed that Decision Makers routinely failed in their responsibility and exclusively accepted the opinion of the contracted HCP from Atos Healthcare, who enjoy “total immunity from all medical regulation” according to the General Medical Council (GMC) and the Care Quality Commission.(6)  Because of this, large numbers of chronically sick and genuinely disabled people are being forced to appeal the often alarming decisions of under qualified junior civil servants.(1-4)  Welfare agencies now advise that nothing has improved since the Harrington review, hence the challenge by the Disability Alliance.  


This deeply flawed medical assessment process was identified for a long time by His Honour Judge Robert Martin as President of the Appeal Tribunals. For over a decade Judge Martin’s consecutive annual reports constantly identified serious problems with the AH medical assessments (8). Indeed, Judge Martin was insistent that “..the same problems and errors are repeated year after year, with no sign that anyone takes any notice of feedbacks from Tribunals” as confirmed in evidence to the Work and Pensions Select Committee.(9) The evidence confirmed that almost half of the Appeal Tribunals find in favour of the applicant (9) with 70% of claims being upheld for claimants who have representation at the Appeal Tribunal.(10) However, the stress and distress of the need to wait for several months to attend an appeal, in order to retain financial support to which these claimants are morally entitled, is totally ignored. If these were civil cases, generous compensation would be offered as an acknowledgement of the unnecessary distress and suffering caused to the many victims. However, all successful applicants can expect is a reluctant reinstatement of their disability payments, and a back dated award to when they were forced to accept Jobseekers Allowance instead of Incapacity Benefit or, more recently, the new Employment Support Allowance.(ESA) DWP letters to their many victims remain unnecessarily hostile and the enforced disability debt is an ever growing problem. These victims of this AH assessment system loose their disability funding instantly, when they fail to obtain the necessary points at assessment. Yet their DLA payments are already committed to fund their Motability car or to identify the need for essential home care as provided by local authorities.  This is brutal, and these consequences appear to be dimissed by the government. 


With plans to rapidly transfer Incapacity Benefit to the new ESA and DLA being renamed and reallocated to the Personal Independence Payment (PIP), all reference to incapacity or disability is being systematically removed.   How can a chronically sick and/or disabled person, who will never again be fit enough for paid employment, be allocated a benefit named Employment Support Allowance when employment is not a realistic possibility?  How does this support anyone with a permanent serious illness or profound disability?  What happened to welfare?  The Minister for Welfare Reform happened to  


       (1)  Citizens Advice: 


         (4)  Disability Alliance: www.disabilityalliance.org/dbcpress3.htm 

         (6)  Care Quality Commission: http://www.cqc.org.uk/aboutcqc.cfm  

         (7)  The Harrington WCA Review: www.dwp.gov.uk/docs/wca-review-2010.pdf 

         (8)  HH Judge Robert Martin: President of Appeal Tribunals, Report 2007-08  

         (9)  Decision making and appeals in the benefit system.  Second Report of Session 2009-10 

                – the House of Commons Work and Pensions Select committee: 

       (10)  Citizens Advice Scotland: Unfit for purpose:  

welfare… and it is cause for  serious concern that the input of this one unelected official can threaten the welfare provision for millions with care, concern and compassion replaced with a price tag (11).    


The Minister made his intentions clear in a press interview (11) in 2008 when he claimed that: “… somebody will see a gap in the market and make their fortune” and the article went on to claim that the Minister’s idea was to eventually put the private sector in charge of the long-term unemployed.  “There will be bonuses for hard cases, and no special treatment of disabled people or lone parents with children at school.”(11) As Minister for Welfare Reform, Lord Freud’s past history in finance demonstrates a dangerous lack of any comprehension that a serious illness or chronic disability can indeed be permanent, hence past awards of DLA offered to recipients who, by definition and especially by diagnosis, are profoundly disabled or very ill. These conditions can be exacerbated by exhaustion that often accompanies chronic ill health and serious disability.  American style medical tyranny can’t make them well, and can’t make these genuine claimants fit for work, but constant threats of losing their financial support can and does cause unnecessary distress. 


Now, the most vulnerable people in our society, already faced with a limited quality of life, are being terrorised by the DWP with the threat of an annual review of their DLA financial support, despite their confirmed and permanent illness and/or physical limitations.  Any annual assessment is therefore, by definition, a total waste of limited resources for the vast majority of these people.  The sudden removal of DLA may remove a Motability car, or funding for taxis, and may remove the County Council funded home carers as County Councils will not provide carers unless the client is in receipt of DLA for care at the highest level. Any AH assessment is simply one day in the life of the disabled claimant, and cannot be presumed to identify their permanent state of health.  Government claims that AH assessments are to establish ability, and not to emphasise disability, whilst demonstrating a dangerous lack of concern for identified consequences is offensive to many. 


Urgent decisions need to be made to enable justice to be seen to be done.  




The DWP should employ qualified Medical Administrators, as real Decision Makers, who will comprehend when a given diagnosis means that the patient is far too ill or profoundly disabled to ever consider paid employment.  They would even comprehend that the majority of chronic disability and ill health are, by their definition, variable conditions, and therefore it is  absurd to expect such people to be fit enough to look for paid employment, only to become too ill to work within a short period of time.  Not only would Medical Administrators be able to remove the totally unnecessary distress faced by the innocent victims of this assessment process, but it would also save a great deal of money by greatly reducing the numbers of people going to these AH assessments and, hence, reduce the numbers of Appeal Tribunals.  Any increases in salary costs will be negated by the very significant savings from the reduced costs of tribunals and appeals, as well as the reduced requirement for continued reassessment in many cases.  It would also remove the distress now faced by this vulnerable community.  


The DWP can then either cancel this fatally flawed disability assessment contract with AH, or introduce a generous compensation scheme. There are now many thousands of genuine chronically sick and/or seriously disabled victims of this DWP funded medical tyranny, masquerading as medical assessments, as conducted by Atos Healthcare following guidance by Unum Insurance, formerly known as the totally discredited American corporate giant Unum Provident Insurance.  


It is no coincidence that Unum Insurance are about to launch a massive UK media campaign to promote their Income Protection Insurance as, clearly, it has been planned since 1994 as the UK takes another step forward towards the American style health service, funded by insurance. (12) 


Costs can’t be the only concern in any civilized society.  Care, concern and compassion must be returned to the UK to arrest  tyranny, using foreign companies, against those least able to find social justice.  5000 disabled people and carers didn’t march in London for no reason, and it’s time someone listened to them. 


More detailed information may be found in a book by Ray Bourhis, namely Insult to Injury: Insurance, Fraud and the Big Business of Bad Faith, published in 2005, and in the published papers at the Yale School of Law: The Unum Provident Scandal. (13)                                                                                                             



Mo Stewart                                                                                                                                     Contact: Mozzas01@gmail.com                                                                                                                                                                                                                                                                                                           

Disabled female veteran – WRAF 

Retired healthcare professional                                                                                                                           5th September 2011 


       (11)  Welfare is a mess, says adviser David Freud: 

                The Daily Telegraph – 2nd February 2008.  David Freud interview with Rachel Sylvester and Alice Thomson  


  1. http://www.ifaonline.co.uk/cover/news/2083156/unum-unveils-consumer-campaign 

  2. http://digitalcommons.law.yale.edu/cgi/viewcontent.cgi?article=1483&context=fss_papers&sei-redir=1#search=%22Yale%20Law%20School%3A%20Unum%20Provident%20Scandal%22 


  1. DAVID A SHAW says:

    The whole disgusting truth in one clear article. Unum and Atos and the Dwp, all working hand in hand with the government to save money while lining their own pockets in a major way and making thousands suffer in the process. You cannot be any clearer than that.

  2. kelpimare says:

    Excellent documentation.
    Now why couldn’t ANY political party have done this? As left of centre-left Labour I am, it sickens me that they, too, subscribed to the falsehood of mass fraud by Incapacity Benefit/Disability Living Allowance claimants.
    Labour, to their eternal shame, took the first steps, which would ease the vile process that now exists, courtesy of Tory….sorry, ConDemns coalition dictatorship.

  3. jeffery davies says:

    but when will it end its just so unbeleavible that they who sit the great house allow it to happen jeff3

  4. Joanna Terry says:

    Why are we being allowed to live in such fear, why has the Labour Party refused to address this travesty and come out with a firm promise that these robber barons will be made to lose everything?The money then going towards the disabled to recompense us for this stress. How has it come to this in this day and age that we are threatened with our very lives? Does anyone know if we can bring them to court in a civil action, including this dispicable disability denying government?

    1. jed goodright says:

      the labour party fully support what is happening
      Moribund is on record as saying it is important that disabled people go to work and feel good about themselves

  5. Annette Dickinson says:

    I to am disgusted at Labour, even more so than the Tory led coalition? you sort of expect it from them, but being betrayed by your own is unforgivable? this is back door genocide? at lest the Nazi’s were honest about what they were doing? to me looking after the most vulnerable in society is (or should be) a top priority, more important than forking out billions on wars or airport runways? note the MP’s are still giving themselves massive expenses? and they still haven’t taken any steps toward plugging tax loop holes and seeing to it that the filthy rich pay their fair wack? no it seems they’d rather neglect and rob the disabled, putting them through the Hell of an ATOS assessment on the way? this country has regressed so much in two and a half years, and the current Labour leadership must be leaving some of their late and great predecessors spinning in their graves?

    1. Gillian Broughton says:

      Denied Medical Help , Denied welfare assistance , Lied by HSE , Ombudsman failed to respond to my Complaint . Toxicology report findings of 2,4 D Diclorophenols in mine and sons system ( This chemical once used in part making of Agent Orange ) Being used by local Farmer on a Public Footpath .; No Compensation for Injuries Sustained , Deny , Lie and Die Attitude from the DWP, ATOS, HSE , GPs and Goverment . Chemical Injuries is the cause of My CFS/ME which is denied by Medical Proffesions in UK as a Mental Illness !!!

  6. M Thomson Fibromite (@Fibromitesunite) says:

    January/February time when the Welfare Reform Bill was in the news as it went through parliament there were quite a few UNUM advertisements for Income Protection policies.

    They were quite happy to feed of folks fears then so the more worried those who are uninformed become the more they hope will turn to them to “protect” their income – no wonder that they must be rubbing their hands!

  7. TiddK says:

    Good article, but your research into the “Why” didn’t go back far enough I believe. The name that should resonate through the nightmare of welfare “reform” is that of one Mansel Aylward, one time senior official of the DWP and later paid adviser to UNUM. His “Psycho-Social Model” of illness and disability (widely discredited throughout the Health Service) is what kick started the whole inglorious affair. Though it is equally true to say that what was a misguided and spurious academic model was gleefully seized upon by the Civil Service and politicians, who saw it as a way to prune the welfare budget of millions£ and billions£ at a stroke.
    His subsequent paymasters at UNUM put his model into practice, and then ATOS Healthscare who are still at it.

    1. Mo Stewart says:

      Just seen this. Yep, my next research is into Aylward but this is the other way round – he copied from Unum who have been using the bogus BPS model of disability assessment long before Aylward got on the same bogus track.

      Check out the detailed response to Aylward by academic Gill Thorburn – widely available online – as Gill’s piece is significant.

  8. Sally Harris says:

    I have had ME and Fibromyalgia for 2 decades and it was many years before i got any DLA, so I support this petition.

  9. Humanity2012 says:

    I Knew that the Tories were going to be a Diabolical Disaster of a Regime and tried
    to Warn People but the Do Not Ever Think Lot took No Notice George Orwell’s
    1984 Ignorance is Strength

    We Need Real Opposition to Welfare Ruination ( Mass Public Protest on a Daily Basis ) and Wrecking together with Getting the Con Dems Out of Office otherwise Things will get Worse so a Revolutionary Change can be Made in British History Present and Future by
    Things Getting Better ie Constitutional Protection of the Welfare Benefits of
    the Poor and Vulnerable , Abolition of All Unnecessary Bureaucracy and Work Capability Assessments and to Ensure that NEVER Again the ” Conservatives ” or the Liberal
    Democrats will be the Government of the United Kingdom following the Diabolical
    Policies they have Pursued with Regards to Welfare Provision since the Day of Tragedy
    May 11th 2010 whilst BILLIONS of Pounds have been and are Wasted upon the War in
    Afghanistan Nuclear Weapons and the EU Shambles

  10. Humanity2012 says:

    Illustration of the Cost of UK Maintaining Nuclean Weapons was in the Region of
    £12.6 Billion Pounds at 1996 Prices and cost £280 Million Pounds a Year to Maintain

    The Replacement is Estimated at least £5 Billion Pounds for Missiles Alone
    and around £20 to 30 Billion Pounds for Missiles Submarines and Research Facilities

    We Need Money For Welfare Not upon the Mayhem and Murder of Nuclear Warfare

  11. kasbah says:

    Well done Mo- I hope they sit up and take notice of your excellent report. As a fibromyalgic osteoarthritis sufferer I now face two appeals- one for DLA and one for ESA- both based on one seriously flawed ESA ATOS WCA. I will do whatever I can in my parlous state to oust this bunch of morality dodgers and money suckers. Our anger is real and it is coming for them!

  12. Yvonne Harvell says:

    what a well put together report.

    My question is who in parliament is on our side who do we vote for next time? I see no one willing to speak up for us in our government now when its needed.

  13. Mo Stewart says:

    Hi – things are moving on albeit very slowly. The new Minister for Employment is Mark Hoban, whose still refusing to permit a review/reform of the WCA so there will be no improvement.
    Regional/local press and media much more interested than the nationals so perhaps you could not only print off my report and send to MPs, but also to local and regional media- radio & TV. Not until and unless somewhere in the press/media expose the DWP relationship with Unum will this nightmare start to crumble.
    Once the British people are warned that this is a pre-curser to the introduction of the US system – funded by insurance – will there be a public reaction.

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