Unum Disability Help

Question

What should I do if Unum wants to cut my mental health benefits after 2 years?

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

Asked on January 19th 2015 by Teresa Henson

I have been on Long term disability through UNUM for almost two years. They are saying my disability will be cut off in March 2015 because it is mental health. I currently live with a relative because I cannot care for myself. What can I do? I am unable to work due to my disability (PTSD) and severe depression. I have worked for 38 years in the medical field, 32 as a Respiratory Therapist. When I was put on leave it was directed to me from my two supervisors to go to the Dr. The doctor I went to see was the hospitals workman’s comp Dr. He wrote stress due to work, yet I was not placed on workman’s compensation. The physician and his wife who was his office manager were of little help. I had to have a ride to go get my state disability check every time it was due because the Dr.s wife would not take care of the paperwork properly. Now I’m worried and panicked because my LTD will run out soon. What can I do?

Answer

Answered on January 20th 2015 by Attorney Stephen Jessup

Teresa, I am sorry to hear of your situation. Unfortunately, Unum’s 24 month limitation for mental health claims is legal and enforceable. The only option you may have for continued disability benefits is through Social Security (if you aren’t already receiving it and are eligible).

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Reviewed by Unum is horrible on July 15th 2025 Verified Policyholder | October 2025 date of disability

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Reviewed by Michael B on July 12th 2025 Verified Policyholder | July 2023 date of disability

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Reviewed by Shandra on January 30th 2025 Verified Policyholder | November 2021 date of disability

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Reviewed by Scott C. on July 5th 2024 Verified Policyholder | March 2023 date of disability

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...

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Q: If I'm getting paid from Unum insurance already and in the near future I want to try and get some sort of settlement, can I go about that and does your firm do that sort of thing?

Answered on November 24th 2025 by Attorney Gregory Dell

A: Hello. We negotiate Unum long term disability benefits regularly. In order to be eligible you must be on claim...

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A: Your marriage should have no impact on your disability income benefits.

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A: Nea, did you file a Short-Term or Long-Term claim with Unum? When did you file it? From your question it seems...

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Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

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If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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What should I do if Unum wants to cut my mental health benefits after 2 years?

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