After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber
Our client, Mr. B, formerly worked as a Plumber for a fabrication and manufacturing company. In January 2016 a number of medical issues, including chronic low back pain, lumbar spine radiculopathy, bilateral facet hypertrophy, and sciatica, forced Mr. B to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. Both benefits were funded and administered by UNUM. Mr. B’s occupation as a Plumber was physically demanding and required high level of exertional functioning. Under his employer’s disability policy, he would be considered totally disabled if he was unable to perform the material and substantial duties of his “regular occupation” as a Plumber.
After paying Mr. B for the maximum benefit period under the STD policy, UNUM denied LTD benefits on the basis that he allegedly no longer met the policy definition of disability. Specifically, UNUM determined that not disabled as required by the policy when he stopped working on January 2016.” After receiving the denial, Mr. B contacted Dell Disability Lawyers and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in UNUM’s denial letter and in the physician consultant’s medical reviews, and agreed to prepare and submit Mr. B’s ERISA appeal with the assistance of his appeal team.
The appeal addressed all of UNUM’s short-comings and reasons for denial, with a special focus on the review conducted by UNUM’s in-house medical consultant and peer review physicians. One of the focal issues was UNUM’s determination that Mr. B’s was not under the regular care of a physician when he stopped working, which was not correct. Rather, it was established that Mr. B was working and covered under the group policy when he was injured at work and fact that he was not able to first see his physician for 6 days did not negate coverage.
Approximately 7 weeks later, and after reviewing the appeal and hundreds of pages of exhibits and medical records, UNUM overturned its decision to terminate the claim and reinstated Mr. B’s long-term disability benefits.
Read more on our Unum Disability Appeal page.
Resources to Help You Win Disability Benefits
Submit a Strong Unum Appeal Package
We work with you, your doctors, and other experts to submit a very strong Unum appeal.
Sue Unum
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Unum.
Get Your Unum Disability Application Approved
Prevent a Unum Disability Benefit Denial
Negotiate a Unum Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Unum is evil
Unum Closed My Case Today
Low payments
They closed my claim and I have been without income since they closed it
I feel like Unum is giving me the runaround!
Reply
Unum terminated my benefits with no warning
Reply
I've been trying to care care of my Unum benefits for over a year. They’ve been so rude
Reply
I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid
Reply
Q: Unum payments offset
Q: Should I sign a release of information form sent by Genex on behalf of Unum ?
Q: 63 year old RN
Q: Is UNUM obligated to pay my children SSI amount with COLA increase to me after they turn 18 or the original award amount?
Q: ER physician Unum mental health claim for 40 years
Q: Requesting a Copy of my LTD ERISA Policy from UNUM
Q: I am now concerned if I am not able to return to work after 6 months Unum will stop paying me.
Q: Can receiving a Unum group LTD benefit settlement lower my SSDI benefit?
Is UNUM a Good Insurance Company?
How Long Does UNUM Long Term Disability Last?
Can You Sue UNUM?
How Does UNUM Define Disability?
Beware of Traveling While on Disability with Unum
If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?
Unum Disability Benefit Denial Trends, A Legal Perspective
A New Bait and Switch Tactic by Unum Disability Insurance Company
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
Unum Approves LTD Benefits for Pharmacist with Eye Disorder
Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Unum Lifts Mental Health Limitation on Disability Claim
Unum Approves Long Term Disability Application to a Program Manager
After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse
Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team
Reviews from Our Clients






