Unum approves dentist for residual/partial long-term disability benefits

Our client, a 48 year old dentist, began to experience difficulty performing the substantial and material duties of his occupation as a result of anxiety and neck pain. Our client contacted our firm in order to assist him with his application for long-term disability benefits. At the time we were contacted, our client was having difficulty performing his duties as a dentist on a full time basis and was unsure of his rights under his long-term disability policy.

We advised the client that he may be able to cut back his work significantly and collect either the full or partial amount of his monthly long-term disability benefit. We also advised the client that he may have the option to hire another doctor to treat the patients and he could collect his long-term disability benefit while managing the practice.

In order to evaluate our client’s eligibility for either total disability or residual/partial disability we advised the client that we would need to complete the following actions in order to reasonably determine the likelihood of being approved for long-term disability:

After completing our analysis of the above information and several phone conferences with our client, his treating physicians, and accountant, we were able to advise our client that he had a strong claim for residual/partial disability. We assisted our client with the completion of his application for disability benefits and within a few months our client was approved. We continue to represent our client on a ongoing basis with his submission of monthly claim forms, monthly profit and loss statements, and attending physician statements.

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FAQ

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.

Reviews   *****

James C. (California)

Wonderful in every way. Great communication with me and with the carrier. Walked me through a very difficult time in my life. Received full benefits under the disability contract thanks to Cesar and his firm.

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