Question
Can I still get compensation from Unum if my claim is not a disability claim?
I started all of a sudden one day with terrible neck pain after I turned my head to the left when driving. Since then I have had nerve blocks in my neck, put on seizure meds for the nerve pain and continued massage therapy. I even lost my vision because of this neurological issue. I filed a claim with Unum under my accident policy. I had an MRI of my neck that showed mild degenerative disk disease in my neck but all of my doctors have stated this was an incidental finding and my pain is from muscles pinching nerves not from a pre-existing condition. My doctors have also put that in writing. Unum denies my claim even though several doctors have written letters. I appealed it and they just denied my appeal. I know this is not a disability claim but Unum should have to compensate me. Can you help me?
Answer
Lori, If your policy only pays benefits due to an accident, your condition, or the facts and circumstances surrounding it may not constitute an “accident” under the policy. That being said, we would be more than happy to review the information. Please feel free to contact our office.
