On-Going Claim Handling Gives Claimants Fire Power Against Unum
Peace of mind and protection against claim denial is the reason our disability lawyers manage Unum disability claims on behalf of individuals nationwide. Valid claim approval does not mean that Unum will pay benefits for the period of time you need them. The Unum claim rep assigned to your long term disability claim is required to review your claim every month and determine your eligibility before a benefit check is issued.
The Benefits Of Having Our Law Firm Handle Your Unum Claim Are Multiple:
- Unum can no longer contact you for any reason as all communications both oral and written must come to our office;
- We complete every claimant statement with you;
- We work with you and your doctor to complete each Attending Physician Statement;
- We prepare you for visits with your doctors so that your doctor will properly document your medical records in accordance with Unum requirements;
- We make sure every monthly benefit check is received timely and paid correctly;
- We alleviate the anxiety commonly caused by receiving letters from Unum and unprepared phone calls;
- A Unum group rep or third party investigator cannot come to your home unannounced;
- We limit the scope of any medical exam requested by Unum and make sure you don’t get examined by a doctor known for claim denials;
- We consult you on things you can do that will not jeopardize your benefits;
- We give you piece of mind knowing that you have a lawyer that knows every detail of your claim and is ready to take immediate action if your claim is wrongfully denied.
Does Unum Think There Is A Problem Because You Have A Lawyer?
Our disability insurance lawyers have helped thousands of Unum disability claimants nationwide to recover disability benefits. Unum is a one-trick pony and, unfortunately, is trained to look for any reason to deny or delay your application for benefits. In our videos above we 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 Sue Unum for Denying my Disability Claim?
You may have the option to file an Unum disability insurance lawsuit if your long-term disability claim has been denied after completing the appeals process.
The first step is to determine whether your individual policy allows for litigation. If it does, you may have the legal right to file an Unum disability insurance lawsuit against the company. It is important to note that filing a lawsuit is not always a viable option and should only be considered after other appeals processes have been exhausted.
Can I Appeal a Denied Disability Claim with Unum?
When appealing a denied Unum claim, enlisting help from an experienced disability attorney can make all the difference. Our experienced disability lawyers understand every step of the process and can guide you through making sure all paperwork and appeals are done properly – taking some of the stress off of yourself while also helping you receive due justice.
Unum has a comprehensive appeals process, with multiple levels of appeal, depending on the type of disability insurance policy you have. For all Unum policies, the first step should be to contact customer service and ask to speak with a representative about filing an appeal. From here, you will need to collect evidence to support your claim and file an appeal letter to Unum explaining why you feel your denial was unjustified.
When Can A Unum Disability Lawsuit Be Filed?
A Unum disability lawsuit can be filed in certain circumstances depending on your individual case and the laws that apply. For disability claims given to an employee as a benefit, the claim is almost always governed by ERISA. This means you have to submit an appeal to Unum before a lawsuit can be filed against them. Typically, this lawsuit will need to be filed within 3 years of your date of disability or the date of the final denial decision from Unum. However, if Unum fails to provide a timely decision on your appeal you may file suit without waiting for their appeal decision.
It is important to note that different state laws can affect when you are able to file a lawsuit for your Unum disability claim, so it is best to consult with an experienced lawyer before moving forward with legal action. The law related to Statutes of Limitations is complex and changing, and an experienced attorney will be able to guide you through the process and ensure that all applicable timelines are being met. Having someone knowledgeable working on your behalf may have a significant impact on the outcome of your case.
How can I Determine if Unum is my Insurance Provider?
The best way to determine if you have a disability insurance policy with Unum is to look at any paperwork that was provided when you purchased the policy. Most likely, there will be a section detailing who wrote the policy and who its underwriter is. An example of language included in many policies might read “this policy issued by Unum Life Insurance Co. of America” or something similar. Additionally, it’s possible that another company handled the sale and distribution of the policy but Unum may still be the underwriter; Provident Life and accident insurance companies as well as The Paul Revere Life Insurance Company and Colonial Life & Accident Insurance Company all fall into this category.
If you cannot find the necessary paperwork, you should contact Unum directly. You can call their toll-free customer service line at 1-800-4UNUM (1-800-486-8626). When you call, have your policy number available if possible as this will help the representative quickly locate your policy and answer any questions that you may have. If you do not have your policy number, the representative should still be able to help you find out if Unum is your insurance company.
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?
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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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.