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.
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.
Policy Holder Rating
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?
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
After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber
Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition
After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis
Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument
Massachusetts court overturns Unum's decision to terminate disability benefits after paying for nearly ten years
Reviews from Our Clients
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.