Florida lawsuit filed against UNUM Life Insurance Company by disabled woman for failure to pay disability benefits and to clarify plan’s benefits

A lawsuit was recently filed at the Tampa Florida District Court against UNUM Life Insurance Corporation by Ms Larriane Braun through her disability attorney. The lawsuit alleged an action under the Employee Retirement Income Security Act (ERISA) and that UNUM was in breach of an employee benefits contract between UNUM and the plaintiff Ms Braun.

The Nature of the Complaint

According to the lawsuit, Ms Braun contended that she was covered under an employee welfare benefit plan which was sponsored by her employer. The plan administered by UNUM and which was funded by insurance policies had provided for long term disability benefits as well as life insurance benefits.

It was argued by the plaintiff that despite repeated requests, UNUM failed to provide the plaintiff with a copy of the insurance policy in order that the plaintiff may discover what her benefits under the insurance policy were.

In making the final decision to deny Ms. Braun her claim for disability benefits under the disability insurance plan, the plaintiff alleged that UNUM created an inherent conflict of interest between its duties to the plaintiff as an ERISA fiduciary and its obligation to the shareholders of UNUM as a for profit corporation.

It was also alleged that the actions of UNUM was not consistent with other similar cases to that of the plaintiff and that UNUM acted arbitrarily and capriciously as UNUM failed to conduct a “full and fair review” of the plaintiff’s claim for disability benefits as provided for under the provisions of ERISA.

In the plaintiff’s lawsuit, Ms Braun said that she was and is “disabled” as defined under the long term disability insurance policy which was funded and administered by UNUM. She contended that she was also subjected to an unreasonable claim process while trying to make a claim for her disability benefits with UNUM.

Claims for Relief

In the claim for relief, Ms Braun seeks the intervention of the District Court:

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Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Unum. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Unum.

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Our lawyers help individuals that have either purchased a Unum long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Unum:

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Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

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Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

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Michael G., DDS, MS

On approaching age sixty-five, there was some question regarding continued benefits for disability resulting from accident as opposed to sickness. My insurers required extensive personal documentation as well as attending physician assessments to justify my claim for benefits beyond age sixty-five, i.e. lifetime benefits. It was then that I sought assistance from a firm specializing in Private Disability Insurance Law.

My search lead me to Dell & Schaefer where I’ve had the pleasure of working with Attorneys Steven and Gregory Dell. Their representation of my interests have resulted in a very smooth and efficient relationship with my insurers.

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