• Is Unum a Good Insurance Company?

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell & Schaefer receive comes from policyholders with UNUM long term disability policies. These claimants want to know, “Is UNUM a “good” insurance company?” But what is this question really asking? Learn more about what claimants may be able to expect when filing a disability benefits claim with UNUM.

Is UNUM a good company?

What claimants really want to know is how UNUM compares to other long term disability insurance providers when it comes to denying claims and seeming to set forth roadblocks along the way. Can claimants expect to be treated fairly in their interactions with UNUM? The answer, generally, is yes. Although UNUM (like many other disability insurance carriers) denies a lot of long term disability claims, it is one of the biggest disability insurance carriers in the world, offering both individual and ERISA disability insurance policies, and has little to gain by treating disability insurance claimants poorly.

The person assigned to handle your UNUM disability claim is significant

Once a disability insurance claim is filed, an initial reviewer will begin working the case – usually starting with a telephone call to the disability insurance claimant. The reviewer is likely to ask many of the same questions covered in the disability insurance application itself, often checking for minor inconsistencies that can form the basis for a later denial of the disability insurance claim.

Unum disability insurance claim

UNUM is trained with a “return to work” methodology

UNUM has a vested interest in getting its long term disability insurance claimants back to work as quickly as possible. Some tables and charts indicate when an individual can be expected to be back to work after a disabling illness or injury (from an aortic valve replacement to cancer treatment), and once this period has expired, UNUM claims representatives are going to be reviewing the disability insurance claimant’s insurance file with a fine-toothed comb.

UNUM is conducting roundtable reviews of disability claims at the application and appeal levels

UNUM is a little different from other long term disability carriers in that it engages in a roundtable review process. During this review, a claims representative, a nurse, a doctor, and a vocational expert will sit around a table (or, in the age of COVID, on a video call) and discuss the merits of a specific disability insurance claim. This process doesn’t always provide the same type of quality control as a multi-tiered disability insurance review process where each decisionmaker must independently review the data and conclusions reached by the other decisionmakers instead of essentially negotiating a single path forward at a group meeting.

The UNUM claim representative assigned to your claim is a front person who usually has no decisionmaking power

Though UNUM disability benefits denial letters are usually signed by a claims representative, this person has no real decision-making power within the organization and is essentially just the messenger. This can make it frustrating to appeal disability insurance benefits denials, since the person you’re communicating with can’t take any action on a claim without clearing it with their superiors. Having a disability insurance attorney help you through the process can often improve your odds of success while freeing up your time to concentrate on more important things.

Whether you’re thinking of filing for disability insurance benefits, have a long term disability insurance claim pending and are receiving communications from UNUM, recently received a disability denial letter, or are ready to file a lawsuit, the attorneys at Dell & Schaefer can help. Set up your FREE consultation today to learn more about your legal options.

Questions About Hiring Us

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.

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