Let's Get Your Application for Unum Disability Benefit Approved the First Time
You are likely looking for a disability insurance lawyer because you have heard about Unum’s reputation for denying applications for either short or long term disability insurance benefits. Our disability lawyers want to guide you through the entire application process and make sure your Unum disability claim is presented with the best possible chance to have disability benefits approved. Your claim is unique because of your medical condition and your occupation, but the process in which Unum will review your claim will always be the same.
What Are Common Claimant Mistakes When Applying for Unum Long Term Disability Benefits?
The application process is the foundation of any long-term disability benefit claim and it is critical not to make an error at this level. Mistakes at the application level will almost always result in a disability benefit denial. Our disability attorneys are familiar with every Unum disability policy and we have helped claimants in every occupation. The most common mistakes we see claimant’s make when applying for Unum disability benefits are the following:
- The date of disability selected by claimant is not correct;
- Claimant fails to properly describe their occupational duties;
- Claimant’s doctor fails to complete the Attending Physician Statement in a manner that sufficiently states restrictions and limitations;
- Claimant does not have either appropriate medical support or documentation and stops working prematurely;
- Claimant has a pre-existing medical condition which is precluded from coverage;
- Claimant failed to disclose something when policy was purchased and now the carrier want to rescind the policy due to late disclosure;
- Claimant does not want to provide information that Unum is entitled to receive and benefits are either denied or delayed;
- Claimant submits for an interview with Unum and answers questions resulting in a claim denial;
- Claimant submits an application for long term disability benefits at the wrong time.
How Do Our Disability Attorneys Help You Apply for Unum Disability Benefits?
Our lawyers will help you by handling every aspect of your application and claim for Unum disability benefits. Following your initial phone call with any of our disability lawyers, we will immediately review your Unum disability policy(s) and begin the process of developing a plan to present your claim in the strongest manner possible. We will become your voice and Unum will only communicate with our office. Unum will never be allowed to call you, visit you, or send you any communication without first getting permission from your lawyer. We will work with you and your doctors to establish medical support in your medical records and proper completion of the Attending Physician Statements required by Unum. Strong medical support is essential to claim approval. If we review your medical records and believe that your medical support is insufficient, then we will recommend the type of medical doctors that you will need to treat with and any diagnostic testing.
All claim forms will be completed with your lawyer. Any interviews with the insurance company will be done with your lawyer. Unum often requests extensive financial and occupational information of which we will review and determine the information that you need to provide. The amount of information that you will be required to provide will vary based on the type of disability policy you have and your pre-disability occupation. For example, a business owner or physician will be required to present a lot more occupational information than a claimant that worked for an employer as a W-2 salaried employee without any company ownership.
Our disability lawyers have helped Unum disability claimants working in almost every type of occupation. Whether you are considering applying for Unum disability benefits or have already applied, contact any of our disability insurance attorneys for a free review of your claim. Our goal is to make the application process as smooth as possible and get your Unum disability benefits paid in a prompt and efficient manner.
Our disability insurance lawyers have helped thousands of Unum disability claimants nationwide to recover disability benefits. Unum is a one-trick pony and they unfortunately are trained to look for any reason to deny or delay your application for benefits. In our videos we discuss the Unum application process and provide a lot of helpful information about Unum. We recommend that you contact us immediately for a free consultation and review of your Unum disability claim.
Can I Quit my Job While on Disability?
If your employment contract does not restrict your ability to terminate your job, you have the right to resign while on medical leave. If you did not sign a contract specifying a specific duration of employment, you are free to quit your job.
However, it is important to understand that resigning during a period of disability may impact your ability to receive benefits from Unum or other disability insurers. Quitting while on disability can mean forfeiting certain benefits, such as income protection or short-term and long-term disability coverage.
It is also important to consider that depending on the circumstances of your resignation, your employer may not agree to reinstate your coverage upon returning to work. Additionally, if you quit while on disability, Unum may deny your claim for benefits or reduce the amount of compensation that you are eligible to receive.
