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. Claim approval does not mean that Unum will pay benefits for as long as you want 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:

  1. Unum can no longer contact you for any reason as all communications both oral and written must come to our office;
  2. We complete every claimant statement with you;
  3. We work with you and your doctor to complete each Attending Physician Statement;
  4. We prepare you for visits with your doctors so that your doctor will properly document your medical records in accordance with Unum requirements;
  5. We make sure every monthly benefit check is received timely and paid correctly;
  6. We alleviate the anxiety commonly caused by receiving letters from Unum and unprepared phone calls;
  7. A Unum rep or third party investigator cannot come to your home unannounced;
  8. 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;
  9. We consult you on things you can do that will not jeopardize your benefits;
  10. 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 they unfortunately are 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.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Unum Appeal Package

We work with you, your doctors, and other experts to submit a very strong Unum appeal.

Learn more

Sue Unum

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Unum.

Learn more

Protect Your Benefits
Get Your Unum Disability Application Approved
We help claimants throughout the entire application process.

Learn more

Prevent a Unum Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

Learn more

Negotiate a Unum Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

Learn more

Unum Reviews
(58)

Policy Holder Rating

1.6 out of 5
Read 58 reviews
0%would recommend
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56%
1
41%
Timely Payments
1.8out of 5
Handling Claim
2.1out of 5
Customer Service
2.1out of 5
Dependable
2.1out of 5
Value
1.9out of 5
Showing 8 of 58 Reviews
Unum

I feel like Unum is giving me the runaround!

Reviewed by Rachelle H. on May 11th 2022   Verified Policyholder
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Reply
Sent on May 11th 2022 by Attorney Stephen Jessup

Rachelle, the law provides certain timelines and deadlines with which to provide information or decisions. Please feel free to contact our office to discuss your situat... read more >

Unum

Unum terminated my benefits with no warning

Reviewed by K. Potter on September 9th 2020   Verified Policyholder
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 >
Reply
Sent on September 9th 2020 by Attorney Stephen Jessup

K. Potter, termination as in your employment was terminated or a disability claim was terminated? If your employment was terminated and you had not filed a claim for di... read more >

Unum

I've been trying to care care of my Unum benefits for over a year. They’ve been so rude

Reviewed by Tracey W. on August 30th 2020   Verified Policyholder
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 >
Reply
Sent on August 30th 2020 by Attorney Gregory Dell

Tracey, I am sorry to hear of your issues with Unum. We would love to learn more about your claim to see if we can get Unum to pay or if we can sue them with you. Pleas... read more >

Unum

I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid

Reviewed by Natalie on June 29th 2020   Verified Policyholder
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 >
Reply
Sent on June 29th 2020 by Attorney Rachel Alters

Natalie, hopefully your claim will be approved. If they deny the STD claim then you will need to appeal the determination.

Unum

Unum thought I was fine to work. I wasn't

Reviewed by Elizabeth L. on May 21st 2020   Verified Policyholder
48 yoa dentist POTs Dx aug 22. Attempted to return to work initially but got sick. Was going to go back 2 days/wk in September but could not. Then did go back part time as... read more >
Reply
Sent on May 21st 2020 by Attorney Stephen Jessup

Elizabeth, please contact our office to discuss the denial of your claim and your rights to pursue legal action against Unum.

Unum

Unum has made me feel like a criminal

Reviewed by Kevin on February 6th 2020   Verified Policyholder
Hi, I am currently receiving LTD from UNUM. I used to work as a Radiologist Tech at Vanderbilt Medical Center in Nashville, TN. for about 10 years. Than I started having g... read more >
Reply
Sent on February 6th 2020 by Attorney Gregory Dell

Kevin, I am sorry to hear all that you are going through and the stress this is causing you. The policy governing your claim likely does allow Unum to conduct an in-per... read more >

Unum

Unum keeps prolonging the process to approve my LTD benefits

Reviewed by Lamecia on May 28th 2019   Verified Policyholder
I have been waiting for UNUM to make a decision on my long term claim for almost two months. They constantly keep prolonging the process and approve my long term benefits.... read more >
Reply
Sent on May 28th 2019 by Attorney Rachel Alters

Lameica, you can email me at rachel@diattorney.com and we can set up a time to discuss your situation with Unum.

Unum

I only needed Unum once and to no aviail. I got denied

Reviewed by Monique G. on July 12th 2018   Verified Policyholder
I have had Unum for some years now. I only needed them once and to no avail. I was diagnosed with a goiter and on my second biopsy they found atypical cells so I scheduled... read more >
Reply
Sent on July 12th 2018 by Attorney Gregory Dell

Monique, I am sorry to hear that your claim was denied. Please contact us and speak with one of our attorneys. We will offer a free consultation and will gladly review ... read more >

Answered Questions by Our Lawyers
(81)
Showing 8 of 81 Answered Questions

Q: What can I do if Unum didn't pay for my injury?

Answered on July 20th 2022 by Attorney Rachel Alters
A: Erma, you can file an appeal with the carrier if you believe you have coverage. Ask for a copy of the policy. Read More >

Q: Can Unum threaten for fire me at the end of FMLA's 12 week time period? Can Unum deny my benefits if my company does not offer the work Unum think sI'm eligible to do?

Answered on October 28th 2020 by Attorney Stephen Jessup
A: Kurt, I would recommend you contact your Union representative to see if you have additional protection outside... Read More >

Q: I have Unum disability insurance and they are asking me to speak with them on the phone before I even submit my application. Do I need to speak with them?

Answered on October 26th 2020 by Attorney Steven Dell
A: If you have not submitted your application as of yet, then it depends if your disability policy requires you t... Read More >

Q: Do you work on a percentage, hourly, or lump sum basis? How much does hiring an attorney cost?

Answered on August 27th 2020 by Attorney Stephen Jessup
A: Dr. Fred, we offer contingency fees (which can include lump sums based on the nature of the representation) an... Read More >

Q: Is it possible to file for LTF for mental heatlh (burn out) reasons?

Answered on July 7th 2020 by Attorney Stephen Jessup
A: MF, if you are treating with a medical provider (physical or behavioral health) who is willing to support that... Read More >

Q: Can I take action to start getting regular payments from Unum?

Answered on February 5th 2010 by Attorney Rachel Alters
A: Clifford, if they have all the information then yes. Please contact our office to discuss your situation. Read More >

Q: What does Unum mean by "treatment provider"?

Answered on June 7th 2019 by Attorney Rachel Alters
A: Evan, they are referring to the doctors that are treating you for your disabling condition. Read More >

Q: Why is Unum requesting updates to my SSDI file? Will they use it against me? Also, do I have to meet with them in person?

Answered on May 30th 2019 by Attorney Alex Palamara
A: Beth, I am sorry to hear of the trouble that Unum is giving you. Regarding Unum’s recent requests, the polic... Read More >
Helpful Videos
(730)
Showing 12 of 730 Videos
Disability Benefit Tips
(324)
Showing 8 of 324 Benefit Tips

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell & Schaefer receive comes from policyholder... Read More >

How Long Does UNUM Long Term Disability Last?

When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy... Read More >

Can You Sue UNUM?

If UNUM denies your long term disability insurance claim, can you sue? Generally, the answe... Read More >

How Does UNUM Define Disability?

UNUM Group - the Tennessee-based Fortune 500 insurance company that includes UNUM US, UNUM U... Read More >

Beware of Traveling While on Disability with Unum

In the past several months our office has been hired by two separate clients who had individual disability policies purchased privately throug... Read More >

If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?

Disability insurance Attorneys Gregory Dell and Stephen Jessup discuss the numerous issues that a long term disability claimant should expect ... Read More >

Unum Disability Benefit Denial Trends, A Legal Perspective

In this video we discuss the recent trends they have observed with regard to Unum Insurance C... Read More >

A New Bait and Switch Tactic by Unum Disability Insurance Company

Unum reached a new low today which displays absolute disregard for the rights of a UNUM insured. Our law firm advised Unum in a January 16, 20... Read More >
Dell Disability Cases
(349)
Showing 8 of 349 Dell Disability Cases

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... 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 convi... Read More >

Unum Lifts Mental Health Limitation on Disability Claim

When our client first contacted our office and spoke with Attorney Stephen Jessup her claim for long term disability benefits had been approve... Read More >

Unum Approves Long Term Disability Application to a Program Manager

Our client, a high level Program Manager for a large international aeronautics company, was involved in an automobile accident that resulted i... Read More >

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... 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 s... Read More >

After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber

Our client, Mr. B, formerly worked as a Plumber for a fabrication and manufacturing company. In January 2016 a number of medical issues, inclu... Read More >

Disability Attorney Alexander Palamara Proves to Unum that Its Decision to Deny Benefits Was Wrong for Claimant Suffering from Heart Conditions

Before contacting our firm, our client had been out on disability since March of 2005. Prior to 2005, our client worked for Pinelawn Cemetery ... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition

BackgroundIn Bayer v. Unum Life Insurance Company of America, C.A. No. 18-9702 (E.D. LA 2020), Plaintiff began working as a seni... Read More >

After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis

In Stephanie Dorris v. Unum Life Insurance Company of America (Unum), Plaintiff was President of Beans Plus, Inc... Read More >

Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument

The case of Stephanie Dorris v. Unum Life Insurance Company of America (Unum) is an example of how an inexperien... Read More >

Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?

In the case of Paul Luu v. First Unum Life Insurance Company of America (Unum), Plaintiff had been employed by MUFG Union Bank ... Read More >

Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence?

In Ralph Dewsnup v. Unum Life Insurance Company of America (Unum), Plaintiff was a trial attorney with the law firm of&nbs... Read More >

Can Unum Deny My LTD Benefits After Paying For 15 Years?

In the case of Michael J. Christoff v. Unum Life Insurance Company of America (Unum), plaintiff was a partner in the firm ... Read More >

Court Rules Proper Standard of Review is Abuse of Discretion

In Christoff v. Unum Life Insurance Company of America, Plaintiff Christoff suffered from severe fibromyalgia. He was insured under a group em... Read More >

Massachusetts court overturns Unum's decision to terminate disability benefits after paying for nearly ten years

In a recent case out of Massachusetts, a federal district court addressed several often contested issues in the area of ERISA including how in... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.