How To Apply for Short or Long Term Disability Benefits with Unum and Tips for Claim Approval

It literally pays to know what you’re up against when applying for a long-term or short-term disability insurance benefits with Unum. Many Unum policy holders come to us wishing they had known our lawyers tips to get their disability benefits approved before they applied, and got denied their disability income benefits. Here is what you need to know to get approved for Unum short term or long term disability insurance benefits.

Strong Medical Support From Treating Doctors is Essential for Unum Disability Approval

A Unum disability insurance claim will not be approved without doctor support. This requires extensive documentation in your medical records clearly identifying and stating your restrictions, limitations, ongoing issues and the specific reasons you are unable to perform the duties of your job. This information also needs to be included in all medical forms Unum requires your treating physicians to complete.

Beware of the Generic Unum Claim Forms and Have Your Doctor Complete a Custom Doctor Form

Doctors aren’t necessarily documenting their charts with the insurance company in mind. That is why it is important to have a conversation with your doctors and let them know how crucial their participation is to your claim. UNUM’s attending physician form will likely be very generic with very little room for important details. Our disability attorneys will create a customized attending physician form that includes questions specific to the “definition of disability” as related to your ability to work.

You Must be Prepared for the Initial Phone call with Unum and all other Communications

Once you have filed a long-term or short-term disability claim, UNUM will contact you by phone for an initial interview, which will be recorded. It’s essential to avoid giving too much information, and only answer the questions asked of you, and always be honest. Dell & Schaefer’s disability attorney will prepare you for this interview and even be on the call with you.

Unum Disability Policies Contain Language That Can Limit the Period of Time Unum Will Pay

Understanding  your Unum policy limitations will allow you to make your initial claim with those considerations top of mind. For example, the vast majority of UNUM policies have a 24-month limitation on mental nervous conditions and self-reported musculoskeletal conditions. Starting your claim properly could mean proving and providing documentation to support all your disabilities to avoid the 24-month limitation.

Questions About Hiring Us

Do you help Unum claimants nationwide?

We represent Unum clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Unum disability insurance policy?

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.

How do you help Unum claimants?

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:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

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.

What are your fees?

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.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Marc G.

They kept me on top of my progress throughout the process.

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