Unum Approves Long Term Disability Application to a Program Manager
Our client, a high level Program Manager for a large international aeronautics company, was involved in an automobile accident that resulted in physical and emotional injuries, which impacted her ability to meet the demands of her job. Prior to hiring our office she filed her application for short term disability benefits under her employer’s disability insurance plan with Unum. From the onset of her short term disability claim she felt attacked, belittled and scrutinized by Unum on a constant basis. It was the rude behavior exhibited by her claims manager and her mistrust of Unum that lead her to Dell Disability Lawyers.
When she first contacted our office she spoke with Attorney Stephen Jessup and discussed her concerns with how Unum was behaving as it related to her short term disability claim. Despite the fact that Unum had issued benefit checks our client relayed to Attorney Jessup how every communication seemed adversarial and veiled with threats of a claim denial, and how her benefit checks were continually late. The stress caused by Unum was overwhelming and for our client it was hard enough for her to deal with the injuries she sustained from the accident, let alone this added stress from Unum. In order to ensure her claim was paid properly and to avoid having to deal with Unum directly, she hired our office to handle her claim on a monthly basis.
When Attorney Jessup first took over the monthly claim handling he realized that Unum did not have all of the applicable medical information with which to assess our client’s claim for disability benefits. To address these concerns Attorney Jessup obtained records from all of our client’s doctors in order to present as clear a picture of her restrictions and limitations. Additionally, Attorney Jessup reached out to our client’s main treatment providers to obtain medical condition specific questionnaires prepared by Attorney Jessup to further strengthen restrictions and limitations. Concerned about the transition to long term disability and the fact that Unum was ignoring our client’s physical medical problems Attorney Jessup sent her for a functional capacity examination in order to obtain objective evidence of our client’s functional restrictions and limitations as they would relate to her ability to perform in a workplace.
Armed with all of our client’s records and properly documented evidence of impairment Attorney Jessup was able to secure all of our client’s short term disability benefit through the end of her short term disability term.
Long Term Disability
Prior to the end of our client’s short term disability period Unum began its review of her entitlement to long term disability benefits. Historically, short term disability benefits are easier to secure than long term disability benefits, due in large part to the underwriting and funding of the respective disability policies. However, given Unum’s aggressive requests for information and constant threats of claim denials and deadlines to provide information throughout the period of short term disability it was clear that a fight was to be expected from Unum as they processed her claim for long term disability benefits.
Despite the information provided in support of the short term disability claim Unum’s long term disability department was focusing its attention on the mental health aspects of our client’s claim in an attempt to limit payment of benefits to a maximum of 24 months of benefits due to Mental Health conditions. Despite documented proof of physical restrictions and limitations by way of diagnostic tests and the FCE, after delaying as much as legally possible Unum advised Attorney Jessup that it was approving our client’s claim for long term disability benefits but in doing so determined that the only condition preventing her from working was her mental health condition.
Unum intends to limit our client’s claim to 24 month of benefits. This decision is all the more frustrating considering that under the terms of the policy our client is only entitled to 36 months of benefits! The claim determination goes to show the lengths Unum will go to in an attempt to avoid paying a claim.
For Attorney Jessup and our client, the first battle for long term disability benefits was won – our client was receiving benefits, but the fight is by no means over as Attorney Jessup continues to attack Unum’s position that her disability is only the result of a mental health condition.
Is Unum Fighting Your Claim?
Unum’s actions, as set forth above, are unfortunately very common. If you have a claim for disability benefits with Unum and are experiencing any of the above problems, or you have any questions about your claim please do not hesitate to contact our office and speak to one of our disability insurance attorneys.
Resources to Help You Win Disability Benefits
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Q: Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?
Q: My group long term disability insurance allows me to work part time up to 20% of my pre-disability earnings without affecting my benefit. If I take advantage of this, will Unum use this to deny my benefit?
Q: Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum.
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Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.