Unum Disability Help

Denial Options

Protect Your Benefits

Reviews (64)

Questions (113)

Videos (968)

Your Disability Company Unum Insurer Reviews

Unum

Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me

Item: Unum
Rating: 2
Author: Betina B.

Reviewed by Betina B. on February 8th 2016 Verified Policyholder

Due to a lung disease I am not able to work at a chemical plant that I worked for for 18 years, I am on long term disability from (unum). It started in july 2015, it is now february 2016, they sent me a letter that states that they want all information on my checking account so that they can monitor it to see if I am getting extra income. I am having to file for social security which I have been denied, it is in the hearing stage. They claim if I don’t sign the paperwork they will make a deduction of what they think I will get in social security the also with paperwork want me to sign that I will not seek any legalities now or in future against them. I have not signed the paperwork, it seems to me it teeters on illegal side.

Reply

Sent on February 8th 2016 by Attorney Stephen Jessup

Betina, I have never seen where Unum demands access to view a checking account to look for sources of other income. Though you do need to provide proof of your SSDI claim being active (at hearing stage as you state).

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options

Unum Disability Denial

Let’s discuss your case your Unum disability denial.

Unum Disability Denial

Submit a Strong Unum Appeal Package

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

Unum Disability Appeal

Sue Unum

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

Unum Disability Lawsuit

Protect Your Benefits

Get Your Unum Disability Application Approved

We help claimants throughout the entire application process.

Apply for Unum Disability Benefits

Prevent a Unum Disability Benefit Denial

We manage every aspect of your disability claim following claim approval.

Monthly Handling of Your Unum Claim

Negotiate a Unum Lump-Sum Settlement

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

Unum Long Term Disability Buyout

Unum Reviews

(64)

Policy Holder Rating

Write a Review

1.5 out of 5

Read 64 reviews

Write a Review

51%

46%

Timely Payments

1.8out of 5

Handling Claim

2.0out of 5

Customer Service

2.0out of 5

Dependable

2.0out of 5

Value

1.8out of 5

Showing 4 of 64 Reviews

Unum

Unum does not act as a fiduciary

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

I received paycheck from 2 sources at work. I was approved for LTD by Metlife within 40 days, no questions asked. I was approved by NWM which was my private own occupation...

Unum

UNUM denied my LTD claim after 6 months although my health continues to decline

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

An attorney is needed to monitor an open, ongoing claim. I naively thought payments would continue. Review of medical records by a disability attorney before submission to...

Unum

Unum is evil

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

On 11/3/2021 I got shot by my boyfriend and my spinalcord got hit, paralyzing me from the neck down and accepting Unum benefits was the worst decision I ever made. I sued ...

Unum

Unum Closed My Case Today

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...

Write a Review See All Reviews

Answered Questions by Our Lawyers

(113)

Showing 4 of 113 Answered Questions

Q: Should I apply for Social Security Disability benefits even though I was just approved for LTD by Unum?

Answered on October 16th 2026 by Attorney Gregory Dell

A: I generally recommend that my clients wait until they have been out of work for at least six months before app...

Q: Should I be concerned? "Please note that your claim is being transferred at this time."

Answered on October 7th 2026 by Attorney Alex Palamara

A: Darren, there is truly no way to know. Often times, we do see a denial on a decent percentage of cases once th...

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...

Q: If I get married, will my Unum disability be affected?

Answered on October 30th 2025 by Attorney Gregory Dell

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

Ask Our Lawyers a Question See All Answered Questions

Helpful Videos

(968)

Showing 12 of 968 Videos

See All Videos

Disability Benefit Tips

(333)

Showing 4 of 333 Benefit Tips

Is UNUM a Good Insurance Company?

Is UNUM the right choice for disability insurance? Uncover insights from policyholders, and learn about their reputation for handling claims and benefits.

How Long Does UNUM Long Term Disability Last?

How long does UNUM long-term disability last? Get insights on payment timelines, eligibility criteria, and how to make the most of your claim.

Can You Sue UNUM?

Can You Sue UNUM? In this video and article learn what to expect in a group policy lawsuit with UNUM and advantages of suing UNUM with a group policy.

How Does UNUM Define Disability?

Learn how UNUM defines disability, their long-term disability requirements, and what qualifies for benefits to better understand your eligibility.

See All Benefit Tips

Our Resolved Claims

(423)

Showing 4 of 423 Resolved Claims

Amazon Executive with CTE Wins Unum Long Term Disability Appeal

Learn how our attorneys helped a Senior Manager with Traumatic Encephalopathy Syndrome win a Unum LTD insurance appeal & get a free legal review of your case.

Costco Supervisor Paid 7 Years of UNUM Disability Benefits Wins LTD Appeal

Learn how our attorneys helped a Front-End Supervisor with Multiple Sclerosis win a Unum LTD insurance appeal & get a free legal review of your case.

M&T Bank Project Manager in Remission Wins UNUM Disability Appeal

Learn how our attorneys helped a Product Manager with Gastroesophageal Adenocarcinoma win a Unum LTD insurance Appeal & get a free legal review of your case.

CRNA with long covid Denied By UNUM after 5 years wins disability appeal

Learn how our attorneys helped a nurse anesthetist with post-COVID neurocognitive disorder win a Unum LTD appeal & get a free legal review of your case.

See All Our Resolved Claims

Disability Lawsuit Stories

(766)

Showing 4 of 766 Lawsuit Stories

Unum Denied Disability Benefits to Lawyer After Paying for 18 Years

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

Unum denies benefits to a lawyer after paying for 18 years and the appellate court reverses Unum’s wrongful disability denial.

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

U.S. District Court in Louisiana granted judgment in favor of Plaintiff based on Unum’s failure to conduct a full, fair and thorough investigation of Plaintiff’s alleged pre-existing medical condition.

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

Federal Court rules Plaintiff failed to sustain her burden to prove she was entitled to LTD benefits and upholds Unum disability claim denial.

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

Attorney fails to present evidence to support the conclusory argument that Plaintiff is disabled from performing duties of any occupation for which she is fit.

See All Lawsuit Stories

Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

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.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

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!

View All Reviews (503)

Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me

Reply

Resources to Help You Win Disability Benefits

Unum Disability Denial

Submit a Strong Unum Appeal Package

Sue Unum

Get Your Unum Disability Application Approved

Prevent a Unum Disability Benefit Denial

Negotiate a Unum Lump-Sum Settlement

Policy Holder Rating

Reviews from Our Clients

Request a Free Consultation

5 Ways We Help Get Your Benefits Paid

Questions About Hiring Us