Unum Disability Denial For 24 Month Self Reported Pain Limitation Due to Migraines Upheld By Virginia Court
Disability Attorney Alexander Palamara discusses a recent ruling by a Virginia District Court in a lawsuit filed against Unum Life Insurance Company of America. (Note: Attorneys Dell & Schaefer did not represent the claimant in this Unum lawsuit.) The claimant filed a disability claim, and received benefits for her migraine headache condition.
Unfortunately, her disability insurance policy contained a 24-Month Self-Reported Symptom Limitation. In her lawsuit she argued that objective diagnostic testing in the form of a brain MRI revealed evidence of her migraine headache condition. However, the issue was not whether the claimant could prove she had the migraine headache condition, but whether she could prove that she had a migraine headache right now.
The Court determined her condition fell under the 24-Month Self-Reported Symptom Limitation and upheld Unum’s denial. If your disability claim has been denied by Unum, or any other disability insurance company, as a result of the 24-Month Self-Reported Symptom Limitation, please feel free to contact any of our disability attorneys for a free consultation to discuss your disability insurance claim.
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Unum Reviews
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Unum is evil
On 11/3/2021 I got shot by my boyfriend and my spinalcord got hit, paralyzing me from the neck down and accepting Unum benefits was the worst decision I ever made. I sued ... read more >
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Unum Closed My Case Today
Unum will keep you around, if they pay you 100 a month. But as soon as have to pay more than 2700 a month, they will drop you. We will be going to the attorneys office fir... read more >
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Low payments
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
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They closed my claim and I have been without income since they closed it
Went off work on 9/26/22 due to back issues. Applied for Short Term Disability. On Jan 2023 switched over to Long Term Disability and Unum had me to apply for Social Secur... read more >
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I feel like Unum is giving me the runaround!
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
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Unum terminated my benefits with no warning
I was told I was covered with Unum through my employer (continuum). I got an email today for my termination, no prior talks of infractions with attendance, no warnings, no... read more >
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I've been trying to care care of my Unum benefits for over a year. They’ve been so rude
I have been trying to take care of my Unum benefits for over a year. I’ve called and back in November I did appeal letter, they say they never received. I did everything... read more >
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I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid
My employer uses unum for short-term disability. I was hospitalized back on june 13 and discharged on june 25. I was admitted for double pneumonia and hypoxia, which I end... read more >
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Answered Questions by Our Lawyers
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Showing 8 of 105 Answered Questions
Q: What are my options?
A: It sounds like Unum is trying to assert a pre-existing condition limitation? To know better what your options ... Read More >
Q: Unum payments offset
A: You should only have an SSA offset for any period that overlaps with the UNUM payment. Please see the deductib... Read More >
Q: Should I sign a release of information form sent by Genex on behalf of Unum ?
A: You are only obligated to comply with request from UNUM and not third parties like Genex. If UNUM wants any in... Read More >
Q: 63 year old RN
A: Unfortunately Unum doesn't consider SSDI approval as proof that you are disabled. Yes, it is normal for Unum t... Read More >
Q: Is UNUM obligated to pay my children SSI amount with COLA increase to me after they turn 18 or the original award amount?
A: Once the SSDI benefits for your minor children stop then Unum should be responsible to continue paying you the... Read More >
Q: ER physician Unum mental health claim for 40 years
A: Physician, in all likelihood, there will never be a time that you will "no longer have to have on going care a... Read More >
Q: Requesting a Copy of my LTD ERISA Policy from UNUM
A: Whatever policy is in effect at the time of your disability is the one that applies. Read More >
Q: I am now concerned if I am not able to return to work after 6 months Unum will stop paying me.
A: Unum will review your medical records and likely focus on the progress of your surgery recovery. It is importa... Read More >
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Showing 8 of 374 Dell Disability Cases
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Unum unjustly terminated our client’s disability insurance claim after it had approved and accepted liability for six months. Unum unreasonably concluded, without any evidence of improvement, that the claimant had resumed the sustained work capacity to perform the material and substantial duties of her high level occupation as a Transportation Division Manage... Read More >
Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
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Unum Approves LTD Benefits for Pharmacist with Eye Disorder
Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations Pharmacy Manager at the University of Missouri who recently suffered an acute retinal detachment leading to multiple corrective surgeries which unfortunately failed. She is an accomplished medical professional and health system executive with not only a doctor of pha... Read More >
Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Despite suffering with chronic knee and back pain for 7 Years, Unum still needed to be convinced that their disability benefit denial was wrong.Prior to filing her claim for LTD benefits, our client had worked for 13 years as a Billing Manager for an Accounting Firm in New Hampshire. Unfortunately, for some time she suffered from lower back issues that mad... Read More >
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When our client first contacted our office and spoke with Attorney Stephen Jessup her claim for long term disability benefits had been approved by Unum under the 24 month mental health limitation contained in most Unum group disability policies. Despite our client’s attempts to prove to Unum that she was suffering from epileptic seizures, which were the true cause of her inability to work, Unum held fast to ... Read More >
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After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse
Our client, Ms. L, formerly worked as a Registered Nurse for a nursing home. In November 2014 a number of chronic physical conditions and pain forced Ms. L to stop working and submit her claim for disability benefits first under her employer’s short term disability (“STD”) Policy then continuing under her employer’s Long-Term Disability (“LTD”) Policy both benefits were administered and funded by C... Read More >
Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team
In 2016, Sarah, an Account Manager, began suffering severe abdominal pain accompanied by bloody diarrhea. The frequency and condition was so severe that she was diagnosed with anemia from the blood loss and profound fatigue from the nutrient loss. By the end of 2016 Sarah was no longer capable of effectively performing the material and substantial duties of her own occupation as an account manager and was forc... Read More >
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