• Is Unum Denying More Disability Benefit Claims Than Usual?
  • Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13)
  • Unum Disability Denial & Appeal Tips
  • Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)
  • What relationship does UNUM have with hired doctors in disability insurance claims?
  • UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  • 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study
  • Tips About a Unum Medical Examination in a Disability Benefit Claim


The old Provident Life and Accident Disability Insurance policies are sometimes referred to as the “golden ticket” due to fact that insurance companies no longer sell similar disability policies.

The old Provident disability policies contained pro-claimant language such as an “own occupation” disability definition and “lifetime benefits” if the insured is disabled by injury or sickness prior to age 65. It is becoming very rare to read a policy that offers a lifetime disability benefit.

Additionally, Provident would sell disability policies that would pay in excess of $50,000 a month. Now, most companies have limited the maximum monthly benefit to $17,500 and a maximum benefit period to age 65.

Our disability lawyers have represented numerous doctors, lawyers, dentist and other business professionals at all stages of a claim for disability benefits.

What Happened to Provident Insurance Company?

Provident merged with Unum to form Unum Provident in 1999. In 2007 the name of the company was changed to Unum for marketing purposes.

During the 1980’s and 1990’s, Provident sold more individual disability insurance policies than any other long-term disability company in the world.

Provident earned a bad reputation as a result of bad faith investigations that took place due to their intentional and wrongful denial of disability claims.

Provident and Unum were eventually forced to re-evaluate all claims that were denied between 1997 and 2004. Provident and Unum were fined $15 million dollars and paid out more than $675 million in additional benefits to policy holders.

In 2004, Unum entered in an agreement with 48 states regarding their wrongful claims handling of long-term disability claims. Click here to read the Unum Multistate Regulatory Settlement Agreement. Any Provident disability claim is really a claim against Unum.

Attorneys Dell & Schaefer Take Provident To Trial And Win

It is important to hire a disability law firm that has the ability and experience necessary to hold Provident’s feet to the fire and make them pay for wrongful denials.

Our law firm has filed lawsuits against Provident throughout the country. For example, we represented a general surgeon that Provident claimed was not disabled due to a back condition. Following a one week jury trial in federal court, the jury determined that Provident was wrong and that our client was disabled. Provident wrongfully denied our client’s claim due to their inability to understand his substantial and material duties as a general surgeon. To gain further insight into the manner in which Provident evaluated our client’s claim, we recommend you watch the Video deposition clip we have included on this page.

To learn more about Provident and how our law firm can assist you, please visit our page discussing Unum disability insurance claims.

Cases & Claim Tips (11)

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Questions About Hiring Us

Do you handle ERISA Provident appeals?

If your disability income claim has been denied by Provident and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Provident. Our law firm has handled thousands of ERISA appeals against Provident and we will prepare a very strong appeal on your behalf.

Do you help with Provident applications?

The application for disability benefits with Provident is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Provident. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Provident. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Provident.

Do you file Provident lawsuits?

If Provident has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Provident. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Provident. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Provident.

Can you help with a Provident disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Provident and we know the unreasonable denial tactics used by Provident to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Provident.

Do you manage Provident monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Provident disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Provident. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Provident. Provident only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Provident lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Provident. Our disability lawyers have established relationships with the people at Provident that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Provident. Our goal is to get you the highest buyout possible.

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   *****

Tracy W.

I contacted the law firm of Dell & Schaefer just to check and see if there was a possibility to settle my claim with UNUM and get a lump sum buyout. BEST decision I have ever made! Cesar called me within 24 hours of me sending a email and he discussed my claim in detail with me. Let me tell you, he not only discussed my claim detail but discussed my future plans and diagnosis, he wanted to make sure the settlement was the right option for my case. We decided to move forward with an offer to Unum for the buyout and within three weeks we had an offer. The offer that Cesar negotiated was not only fair but much more than I expected. And the best thing of all, I no longer have to deal with those monthly phone calls and interviews and having someone harass my doctors.

I do not want to forget Mr. Gavidia’s assistant, Anneli Decardenas. She kept me up to date on every aspect of the case, no I did not have to call to get information, Anneli kept me informed. If I did send in a request for information I received a prompt response. Best law firm I have ever had the pleasure to have represent me. Last but not least, I did crunch the numbers and accessed my long term payments against the settlement offer, I can tell you my outcome was very fair.

***** 5 stars based on 202 reviews

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