How Long Does UNUM Long Term Disability Last?
When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy is written a little differently. But while many disability insurance claimants may mainly be focused on the maximum benefit period – or the maximum amount of time the claimant can receive benefits under the policy, often age 65 – this benefit period may carry less weight than other policy provisions and shouldn’t be seen as any promise of “permanent” disability benefits. So how long does UNUM long term disability last?
Why Getting Approved for UNUM Disability Insurance Benefits Does Not Mean You Won’t Get Denied In The Future
UNUM disability claimants who first receive their approval letter may assume it will be smooth sailing from here on out. But just because a UNUM claim is initially approved doesn’t mean the claimant won’t later receive a UNUM denial letter once UNUM has decided they are or should be able to return to work. Claimants have the right to appeal a denial or even file a lawsuit to challenge it, but this can take time and delay the receipt of benefits. Whenever possible, claimants should partner with an experienced disability attorney to ensure they’re taking every step they can to stay “on claim.”
How Often Does UNUM Have The Right To Evaluate an LTD Claim?
Since UNUM pays disability benefits monthly, each month provides a separate period of disability – and separate opportunity for re-evaluation. This doesn’t necessarily mean that disability claimants can expect a request for follow-up information on such a regular basis, but it’s important to know that there’s no “safe harbor” for these benefits; generally, whenever a long term disability claim is being paid, it’s subject to review.
What Are Lifetime Provisions?
Some disability policies offered and administered by UNUM offer “lifetime” benefit provisions. These require a claimant to show that they were disabled before the age of 55 (or, sometimes, 60) and that they continue to be disabled through age 65, at which point the claimant should qualify for a lifetime disability benefit paid until their death.
The effect of a lifetime disability provision will largely depend on the other policy contents. If a disability claimant has purchased a rider allowing them to collect benefits for as long as they can’t work in their own occupation, not any occupation, the grounds on which to deny a claim may be narrowed. On the other hand, showing that a disability claimant is so disabled that they can’t perform any type of work, even entry-level work, can be a challenge.
The 3 Most Important Things To Do To Stay On Claim With UNUM Until Age 65
Claimants who are currently receiving disability benefits through a UNUM LTD policy and would like to keep these benefits should take three important steps.
- Maintain a relationship with your doctor and medical providers, keep up with your appointments, and ensure that your medical records accurately reflect what you’re experiencing.
- Ensure the claim documents you prepare are consistent with your medical history – don’t try to understate or over-embellish your disability, as any inconsistencies can be spotted and seized on as a reason to deny continued benefits.
- Understand your disability policy language.
An experienced LTD insurance attorney, like a member of the team of disability attorneys at Dell & Schaefer, can help with the last of these steps. Sifting through complicated insurance language and determining what applies (and doesn’t apply) to your claim can be all but impossible for someone without a background in disability insurance law or prior experience interpreting UNUM policy documents. If you’re not sure what your UNUM policy protects, restricts, or even addresses, reach out to Dell & Schaefer to set up a FREE consultation to discuss your UNUM disability claim.
Resources to Help You Win Disability Benefits
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.
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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.