Unum Disability Lawyer Representation for Your LTD Insurance Claim
Unum Disability Attorneys Work Behind the Scenes
Our disability insurance lawyers have helped thousands of Unum disability claimants to recover millions of dollars in Unum long term disability benefits and our goal is to do anything we can to get your disability benefits paid. You may not know it, but Unum has their own Unum disability lawyer available and involved with almost every Unum disability benefit claim. You should have a long-term disability lawyer on your side throughout every stage of your claim for Unum disability benefits.
The founding partners of our law firm started representing disability insurance claimants in the 1980’s and there is no other law firm that has as much experience, skill or resources required to take on Unum. We have more than ten long term disability lawyers that are ready to discuss and assist you with your Unum disability claim.
What is Unum’s Disability Claim Handling History?
Unum is the world’s largest disability insurance company and they have had many years in which they publicly reported approximately one billion dollars of “profit”. Unum has a very shady history. In years past they have been investigated for fraud and unreasonable claim handling by almost every state. Following investigations by the Departments of Insurance from numerous states, the Unum long term disability lawyers could no longer hide the wrongful conduct. Unum finally agreed to a multi-state settlement requiring Unum and the Unum long term disability lawyers to re-evaluate thousands of Unum disability benefit denials. Unum was ordered to pay millions in legal penalties for insurance claims handling violations and was also sued thousands of times for bad-faith long term disability denials. Unum has also been ordered by several courts to pay punitive damages.
Despite Unum’s past punishments and penalties, Unum, with the assistance of their UNUM ERISA Lawyers continue to wrongfully deny long term disability benefits daily. You should never assume your Unum disability benefits will continue for as long as you need them, but there are many things that our lawyers can do to either help you prevent a Unum disability denial or get a Unum benefit denial reversed.
How Can Dell Disability Lawyers Help With My Unum Disability Claim?
Dell Disability Lawyers is the largest disability insurance law firm in the country and one of the few law firms that focuses their entire practice on disability insurance claims. Our lawyers and staff are passionate about making sure our clients do not get taken advantage of by Unum. We are available immediately for a free phone or email consultation with one our disability lawyers. We want to review your Unum disability policy and/or Unum denial letter (if applicable) so that we can tell you immediately if we can help. Whether you are applying for Unum disability benefits, on-claim, appealing a Unum denial or suing Unum for a disability denial, our lawyers can help.
Our Lawyers Handle Unum Disability Denials Requiring an Appeal or Lawsuit
Almost every Unum disability benefit denial requires an Appeal to be filed with Unum before a lawsuit can be filed. This requirement is in your Unum disability policy and required by a federal law called ERISA. Some people refer to the filing of a Unum appeal as a UNUM ERISA Appeal. Unum has Unum ERISA disability lawyers that advise Unum appeal rep employees on how to review a Unum appeal. Our disability lawyers have submitted thousands of Unum disability benefits appeals and we have a track record of winning more than 75% of our Unum disability appeals. The ERISA laws governing these UNUM disability denial appeals were designed to protect insurance companies. In order to have the best chance of being successful with a Unum disability appeal you must have a strong knowledge of ERISA and submit a very strategic and strong appeal.
In our video below we discuss our experience in handling Unum disability appeals and provide helpful tips for drafting a Unum appeal. We strongly encourage you to contact our disability lawyers for a free review of your claim denial prior to submitting a Unum disability appeal.
If your Unum appeal results in Unum upholding the denial of your Unum disability benefits, then your only remaining option is to file a lawsuit against Unum. In our video below we discuss what to expect in a Unum lawsuit and our experience. Unum will assign a Unum long term disability attorney to your Unum disability denial.
In some situations, our disability lawyers have been able to negotiate with the Unum disability benefit lawyer assigned to your case and reach a resolution without the need to go through a long drawn-out lawsuit. During an initial free phone consultation, we can discuss the quickest and best resolution for your Unum long term disability denial.
Our Lawyers Help You Apply For Unum Benefits And Stay On Claim With Unum
We offer a unique legal service in which we help you with applying for Unum disability benefits and then we continue to manage your Unum disability claim once you are approved. Most law firms are only interested in handling Unum disability denials, but we believe that Unum denials can be avoided if a claim is prepared correctly from the inception. The application for Unum disability benefits is the foundation of your claim and one mistake will likely result in claim denial.
In our video below we discuss how our lawyers help Unum claimants to apply for Unum disability benefits. Once we are involved with the handling of your Unum application, we will guide you through every step of the process and you will never have any contact with Unum. The goal is for you to focus on your medical treatment and our lawyers will focus on getting your Unum disability benefits paid.
Approval of your Unum disability claim is only step one, as Unum is going to evaluate your eligibility for long term disability benefits on a monthly basis. We offer a monthly claim handling service in which our long-term disability lawyers manage your disability claim and advise you on a routine basis as to what must be done in order to prevent your Unum claim from being denied. We make sure that your disability benefit check is paid on time each month and we assist you with the completion of all required Unum claim forms. Our lawyers will work closely with you and your treating doctors to obtain the best possible medical support.
We always tell Unum claimants that you can never let your guard down with Unum and assume that your Unum disability benefits will be paid for as long as you need them. If Unum and the Unum LTD disability lawyers see an opportunity to deny your claim then they will seize the opportunity without any remorse. In our video below we discuss how we can help manage your Unum disability benefit claim.
What is Dell Disability Lawyer’s Experience with Unum Disability Claims?
No law firm has either handled or reviewed as many Unum long term disability benefit claims as we have. We want you to learn as much as possible as about Unum and the process of dealing with them as you seek to secure payment of your Unum long term disability benefits.
Examples of Resolved Dell Disability Lawyer Cases Against Unum
Below are some videos of Unum cases that our long-term disability lawyers have handled. We have hundreds of examples of Unum disability cases we can share with you.
Resolved Case Example 1: Financial Advisor with Fibromyalgia & Depression Wins Unum Long Term Disability Benefit Appeal
Fibromyalgia and Depression are two medical conditions that are often linked with each other. In this case we were able to assist a Financial Advisor that was wrongfully denied long term disability benefits by Unum. In this video, disability attorney Rachel Alters and Gregory Dell discuss the reasons that Unum relied upon to deny benefits and the strategies that we took in order to get the Unum disability denial reversed. We also discuss how Unum reviews fibromyalgia claims and provide some tips to help disability claimants suffering with fibromyalgia.
Resolved Case Example 2: Legal Secretary with Depression Wins Unum Short and Long Term Disability Benefit Appeal
Disability insurance attorney Stephen Jessup discusses a long-term disability appeal victory on behalf of a Legal Secretary that was wrongfully denied long term disability benefits by Unum insurance company. Our client was disabled due to depression. Stephen discusses why Unum denied disability benefits and the steps he took to get the long-term disability benefits reinstated.
Resolved Case Example 3: Paralegal with Back & Neck Disorder Wins Unum Disability Appeal
Long term disability insurance lawyers Gregory Dell and Cesar Gavidia explain the actions taken to get a Unum disability denial reversed. We discuss the Unum’s reasons for the denial and our strategy to win the Appeal. We also provide tips that can help you with your Unum long term disability benefit appeal.
Resolved Case Example 4: Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Disability insurance attorney Alex Palamara discusses a long term disability appeal victory on behalf of a billing manager that was wrongfully denied long term disability benefits by Unum. Our client was disabled due to chronic back pain. Alex discusses why Unum denied disability benefits and the steps he took to get the long term disability benefits reinstated.
Reviews From Our Clients With Unum Long Term Disability Claims
It’s a priority to achieve the goal of getting your Unum long term disability benefits, but it is equally our goal to do it with a high level of service that earns five-star reviews from our clients.
Glenn P. DMD: Once again my wife Sandy and I cannot thank you enough. If you want to use me as a reference, please feel free. I have been amazed at how confident you have been going up against Unum. I was so worried and anxious after researching their track record. If there is anything I can do to help with potential clients have them call me. If I have any of my fellow dentists that need disability representation, I will send them your way. It has been great working with you and Vanessa.
Sandra D.: My Attorney in NC referred me to your group. Steve has been great! We correspond via e-mail and he answers my questions so quickly. I’m a night owl so I send my emails late at night and by the time I get up he has already emailed me back. He has been so understanding of this hardship and moving as quickly as this stuff allows. His knowledge base has been great and he can break it down to my understanding. Happy Unum is having to pay something and he has got the job done.
Barbara W.: I researched a lot of disability attorneys on-line for an “insurance buy-out” with Unum. I ultimately decided to go with Alex’s firm, I am glad I did, as he was very professional yet down to earth. I literally felt at ease during the entire course of my business with him as well as his staff members. He did everything he said he’d do for me in a quick and timely manner. His fees were within range with other firms based on my research, he always returned my calls and kept me posted from beginning to end. I settled in a few weeks. I don’t think anybody wants to get an attorney to deal with an insurance company, but if you find yourself in this situation as I did, then Dell Disability Lawyers is the way to go! I’m glad I had the opportunity to work with his firm.
Unum Disability Benefit Tips to Protect Your Benefits
Everyday our long-term disability lawyers speak to disability claimants across the country that have either been denied Unum disability benefit or want help to prevent a Unum disability denial. In order to educate and help all Unum disability claimants we regularly produce and share videos in which we provide helpful tips about all different aspects of a Unum disability claim.
Thousands of disability claimants have subscribed to our disability attorney Youtube channel and they watch our new videos on a weekly basis. Below are some of our Unum disability benefit tip videos:
How Does UNUM Define Disability?
Attorneys Gregory Dell and Stephen Jessup discuss how UNUM defines disability. In this discussion the disability insurance attorneys cover these topics: “Normal Daily Activities”, UNUM’s definition of “Own Occupation” & what “Any Gainful Occupation” means.
Can Unum Use their Own Hired Doctors to Deny Disability Insurance Benefits?
Disability insurance attorneys Gregory Dell and Cesar Gavidia discuss how and when Unum performs medical reviews of a disability claim, whether those reviews are truly independent, and what you should know when filing a claim, appealing a denied claim, or pursuing a lawsuit against Unum.
Can You Sue UNUM?
Disability insurance attorneys Gregory Dell and Stephen Jessup answer the question: Can You Sue UNUM? Learn what to expect in a group policy lawsuit with UNUM and advantages of suing UNUM with a group policy.
Is Unum a Good Insurance Company?
Attorneys Gregory Dell, Cesar Gavidia, and Stephen Jessup discuss their experience with UNUM’s management of disability income claims. Topics covered include UNUM’s round table reviews of disability claims, UNUM’s “Return To Work” methodology, and the role of your claim rep.
How Do Unum Claimants Review Unum?
As a gigantic company with billions of dollars, Unum may think that they get away with anything and no one knows about. While our lawyers are battling against Unum on a daily basis both in and out of the courtroom, we wanted to create the largest online environment where Unum claimants could review Unum and share their experience. Thousands of claimants visit our website every year to read reviews about Unum and learn as much as they can about Unum. We invite you to read some of the Unum reviews and encourage you to provide a review about your experience with Unum. Below are some reviews from Unum claimants:
Unum terminated my benefits with no warning
K. Potter: I was told I was covered with Unum through my employer (continuum). I got an email today for my termination, no prior talks of infractions with attendance, no warnings, no written warning, straight to termination. I live in Idaho. I have a very well documented medical history of back problems including a herniated disc that is affecting me as we speak and was what prompted me to ask about coverage for things of this nature.
Unum keeps prolonging the process to approve my LTD benefits
Lamecia: I have been waiting for UNUM to make a decision on my long term claim for almost two months. They constantly keep prolonging the process and approve my long term benefits. Instead of requesting my medical records all at one time, they come up with something every week of what they’re needing. I was told a decision would be made within 4-6 weeks. It’s past that time frame I have not received an approval decision. I was recently diagnosed with Spinal Stenosis and cannot perform my regular job duties. I sit for long periods and physical strain on my body will aggrevate the condition per my doctor. I am without any type of income because of this issue. I really need help. I don’t know what to do nor do I understand the process and turn around period for long term disability to be approved.
Everyone gets paid but the one person who needs it most
Douglas J.S.: I recently received a denial from UNUM after receiving 3 payments, who are these people. They told me from the beginning there was no problem with my benefits and then all of a sudden its gone. This is ruining our life the one thing we purchased the insurance to avoid. I had 15 years in my company, 5 years! to go and I loved my job why would I throw that away. They know if they ruin you financially you can’t afford a Lawyer. Everyone gets paid but the one person who needs it most, what a crock.
Unum Disability Questions Answered By Our Lawyers
As part of our continuous effort to share information with Unum disability claimants, we give Unum claimants the opportunity to ask our lawyers general questions and we share the answers so that everyone can benefit. You can search through hundreds of questions that our lawyers have answered, but below are some of the most popular Unum disability questions.
Honey Maria: I have Unum disability insurance and they are asking me to speak with them on the phone before I even submit my application. Do I need to speak with them?
Attorney Steven Dell: If you have not submitted your application as of yet, then it depends if your disability policy requires you to speak with them. If you tell them you have a lawyer assisting you then they will not speak to you unless your lawyer is on the phone. It is usually not a good idea to speak with them as you could say something on a recorded call that could jeopardize your claim. I know that Unum always tries to do a recorded call with an applicant within days of receiving a request for a long term disability application. You should be prepared prior to speaking with Unum and know the implications of everything you say. I am happy to review your disability policy and provide a free phone consultation.
Patrick: Can Unum deny me on the basis of a preexisting condition?
Attorney Stephen Jessup: Patrick, unfortunately, yes. Unlike health insurance, disability insurance policies do contain pre-existing condition limitations. From the dates you have provided it would appear that you fall within the typical pre-existing timelines contained in long term disability insurance policies.
Sayeeda R.: I have received a letter about a filled interview from UNUM. Can I deny it and ask them to send the questions in writing as I have physical difficulty talking for long period of time due to my shortness of breath and facial structure and neuralgia.
Attorney Rachel Alters: Sayeeda, some disability policies require that you participate in a field interview as part of the proof of loss requirement. However, you do not have to have it conducted at your home and may hire an attorney to prepare you and represent you through the field interview. Please contact our office to discuss your options.
Chris: Is it a good idea to get a lump sum from Unum? I am disabled due to a Motor Vehicle Accident. I get disability from the Social security. Also I get a UNUM long term disability check each month. UNUM has asked me have I got my pension check yet. The company I use to work for just offered me it. To either take a lump sum, payment each month, or put it in a IRA. Just wondering what to do so they will not take it all from me. Can they take it all from me? I would like to get the lump sum, but don’t know if that’s a good idea.
Attorney Stephen Jessup: Chris, depending on the policy language if you exercise a lump sum on the pension it would likely be deemed an offset under your policy and they would reduce your benefit by that as well.
What are Examples of Unum Disability Lawsuits?
Unum has been around for more than 50 years and there have been thousands of Unum long term disability lawsuits filed against Unum. Unum long-term disability lawyers defend Unum denials at all costs. Our law firm has battled against Unum in state and federal courts across the United States. In order to stay on top of the Unum lawsuits won and lost across the country, we have built a database of Unum lawsuit stories. These lawsuit stories are not necessarily cases we have handled and are provided to educate claimants about how courts nationwide evaluate and decide Unum disability benefits denial lawsuits. We have listed below some Unum lawsuit stories and you can search our website to review hundreds of Unum lawsuit stories and videos.
Dell Disability Lawyers resolve lawsuit against Unum on behalf of ophthalmologist suffering from bi-lateral carpal tunnel syndrome
Our client had retained the services of three different attorneys prior to retaining Dell Disability Lawyers. A lawsuit was pending at the time that Dell Disability Lawyers was retained. Once retained, Dell Disability Lawyers immediately amended the Complaint in order to submit additional allegations which our client’s prior attorney failed to plead. Within approximately two months of being retained, the case was resolved. Read more about this lawsuit against Unum on behalf of our client, an ophthalmologist.
A general surgeon and his legal team at Dell Disability Lawyers win disability insurance jury trial against Unum
This verdict demonstrates that Unum continues to ignore the 2004 agreement it entered into with 48 states, in which its practices for denying claims without reasonable justification were called into question. Read about this lawsuit against Unum on behalf of our client, a surgeon.
General Surgeon wins Long Term Disability Insurance Trial Against Unum
Unum believed that they would win this case at trial because our client had been to the doctor for only 3 visits in a 5 year period to treat his back pain. Our client and his physician explained at trial that additional medical treatment was not necessary and our client testified that he would do daily home exercises.
While our client is no longer able to physically perform the material duties of a general surgeon, his disability policy permits to continue working as a medical doctor and collect his disability benefits. Our client’s trial team included Gregory Dell, Gregory Denes, and Cesar Gavidia.
Read how this general surgeon wins long term disability lawsuit against Unum.
What qualifies as a disability with Unum?
To be considered disabled by Unum, it is necessary for them to determine that you are unable to perform the duties of any occupation you are qualified for, due to the same sickness or injury. Regular care from a physician is also required. In addition, Unum requires that a disability must be expected to last at least 12 months or longer. If these criteria are met, Unum may provide coverage for short-term or long-term disability. However, they may still deny your claim if proper documentation is not provided.
How long will Unum pay long term disability?
The length of payments varies by policy. Certain disability policies provided and managed by UNUM include “lifetime” benefit provisions. These provisions necessitate that a claimant demonstrates their disability onset before the age of 55 (or occasionally 60) and that the disability persists until the age of 65. At this point, the claimant should be eligible for a disability benefit that is paid for the remainder of their life.
Can Unum deny short term disability?
Yes. Without proper documentation Unum may try to deny your claim even with short term disability.
If Unum denies your short term disability claim, it is important to understand why and what steps you can take to appeal their decision. You may be able to submit additional information or request a hearing to present your case.
Free Unum Disability Case Review
If you call our office during regular business hours of 9 AM EST to 9 PM EST you are going to either speak with one of our disability insurance lawyers or they will call you back immediately. We have more than ten disability lawyers and we try to answer everyone’s call immediately, but we are also engaged on working on cases for existing clients.
We always provide a free initial phone or email consultation, and we understand the importance of you speaking to a disability lawyer as soon as possible. Any request submitted on our website is responded to immediately by one of our lawyers and we can always schedule a phone consultation. We appreciate you considering our law firm and we look forward to speaking with you about your Unum disability claim.
