Question

Can I still fight UNUM for denying my STD and LTD?

Asked on August 4th 2015 by Priscilla
I have a question, as I didn’t know that there was a lawsuit against the Insurance Co. My situation is really confusing but to try and break it down, leaving a lot of trips to the Hosp, being admitted 2 times, each for 2 weeks for pain control. I had 2 Neck surgery’s, I dealt with severe Nerve pain and through my employer, I was offered a option to purchase long term insurance and the Company paid the STD. I was in upper Mgmt, for a large Co. The end of 09, I was taken off work due to severe Neck Spasms, Nerve pain and I couldn’t turn my head. The Dr, wanted me to take a 5 1/2 wk PT program to help to learn to live and deal with my neck pain. While I was off for the first 3 Months, I had a really hard being paid, they would pay me and then I would get a Denial notice and my Doctor would again fill out the papers and they would pay some and then stop. This went on for a month or so. While I was going through PT, my Doctor had me do a neck and the throastic area, at the same time the flu was going around and I wasn’t feeling good as I thought it was flu, my primary decided to have a X-Ray of my chest and they found a mass in my lungs. The pain clinic Dr, who I have had for over 10 yrs, said that the PT is too stop until they find out and clear up the mass in my lungs. I immediately recieved a letter from Unium again, stating that I wasn’t off for my lungs and therefore they were not going to pay me. I am typically a person who can handle a call like this but when your sick, can’t move, it makes it extremely hard. There is a lot more but the end result was that I applied for SSDI, for my neck and after hiring a Attorney, was approved. I should of been approved for all of my short term as well as Long Term pymts and I was simply in too much pain to fight them as I ended up having 2 major back surgeries and I actually watched the commerical and want to know if I can actually still fight them? I couldn’t believe they did nothing but harass me the entire time that I was in so much pain. Can someone help me?

Answer

Answered on August 5th 2015 by Attorney Stephen Jessup

Priscilla, how long ago was your claim denied by Unum? Did you go through the administrative appeal process? Please feel free to contact our office to discuss how we may be able to assist you.