Submit a Strong Unum Appeal Package

Let’s discuss how you can win your Unum Disability Appeal. Unum disability denials are usually unreasonable and with preparation of a strong appeal package you can get your benefits paid. There is only one chance to submit a Unum appeal and it must be drafted strategically in order to win your disability benefits. Our disability insurance lawyers have reviewed thousands of Unum short and long term disability denials on behalf of claimants nationwide and we are available now to provide you with a free phone consultation with one of our attorneys. We have seen every type of Unum disability denial and we know exactly what is required in order to give you the best chance to win your Unum disability benefit appeal.

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Unum Appeal? 

We want you to become educated about the Unum appeal process and learn how our law firm can help give you the best chance to win your Unum disability appeal. In our Unum Disability Appeal Tips video, Attorneys Gregory Dell and Cesar Gavidia discuss the following: 

  • Why is it important for you to submit a strong appeal package to Unum?
  • What is your first step to appealing a Unum denial?
  • What evidence did Unum rely upon to deny your disability claim?
  • Why are custom attending physician statements essential?
  • Should you submit additional medical evidence for your Unum appeal? 
  • Does Unum require objective medical evidence to approve benefits? 
  • Can Unum rely exclusively only on the medical opinions of their hired doctors? 
  • How does Unum determine the duties of a job?
  • How can we help prepare a strong appeal package to Unum?

Unum Appeal Success Stories

Our client was a regional director for a Louisiana state college. Due to chronic neck pain which resulted in surgery, she was forced to stop working. Several months after neck surgery, Unum denied her LTD benefits and determined she could return to work. Long term disability attorney Cesar Gavidia discusses the basis for Unum’s denial and how he was able to get the claim reversed. In this case, despite winning the appeal, Unum determined that they would only pay until a certain date as she was not seeing doctors enough. We are now faced with submitting another appeal and presenting additional medical evidence in order to make sure her Unum disability benefits will continue to be paid. We discuss in this video how our client can get additional medical support when she cannot afford to see the doctor.

Disability insurance attorney Alex Palamara discusses a long term disability appeal victory on behalf of a billing manager that was wrongfully denied long term disability benefits by Unum. Our client was disabled due to chronic back pain. Alex discusses why Unum denied disability benefits and the steps he took to get the long term disability benefits reinstated.

How Can You Win Your Unum Disability Appeal?

With strategy, collaboration and execution you can get your Unum disability claim approved. Every Unum disability benefit denial is unique because everyone has different medical conditions that prevent them from working, the definition of disability is different in most Unum disability policies, and lastly your prior work experience and education will have a big impact on the ability to perform any job. Our law firm’s history of winning disability appeals comes from working very closely and strategically with you, your treating doctors, and vocational consultants. We take a custom approach to how we handle every appeal and we look forward to discussing your Unum disability denial with you. As you begin the process to get your Unum disability denial reversed you should watch our video below.

Most Unum disability benefit denials are based on Unum’s determination that you do not have sufficient medical limitations which prevent you from working in a specific occupation or any occupation. While Unum may first notify you of a disability denial via telephone, the basis for Unum’s denial is required to be included in their denial letter and the documents supporting the disability denial must be contained in the claim file. In your Unum denial letter, Unum gives you the right to request a complete copy of your claim file and that is the first step we take.

Why is Unum Required To Send You All Information Used To Deny Your Disability Claim?

ERISA regulations require Unum to prepare and send your claim file within 30 days of a written request. We draft a very specific request for the claim file so that Unum cannot hide any documents or information that we think can help to win your appeal. The claim file is supposed to include all information relied upon to deny your disability benefits, which would include medical records, financial records, internal emails, memos and notes, your disability plan documents, video surveillance and any medical reviews and vocational reviews conducted by Unum. 

The Unum claim files provided are often intentionally disorganized and require legal experience in order to know what information in the claim file is relevant to preparing a strong a Appeal. Your claim file may contain thousands of pages of evidence, and once we receive your file, we immediately organize and analyze all information so that we can prepare a plan of attack that puts You in the best position to have Your short term or long term disability benefits reinstated.


There is only one chance to submit a Unum appeal and it must be drafted strategically.


How Does A Plan of Attack Help You Win a Unum Disability Appeal?

After our lawyers complete a full review of your Unum claim file and review all of your up to date medical records, we formulate a plan of attack that we believe must be followed in preparation of your Unum appeal. Every plan is focused on determining what additional medical documentation and support we can obtain to prove your disability. You only have 180 days from your date of benefit denial to submit an appeal so it’s important to act quickly in order to submit a timely appeal package. 180 days may seem like a lot of time, but you really want to have as much time as possible so that you can obtain as much additional medical and occupational support as possible. It’s not easy to get in quickly for doctor appointments and it takes time for doctors to complete documentation on your behalf. 

We Help You Prove That Unum’s Doctors Are Wrong

Unum will commonly deny a long term disability claim on the basis that you have insufficient medical documentation and/or support from your doctor. Unum will usually rely upon their own employed doctors or nurses to deny your disability claim. Regardless of what your doctors may have concluded, Unum will almost always favor the opinions of their own doctors over yours. The way to overcome this inherent bias is to present strong medical evidence in support of disability that no reasonable person could disagree with. 

As a practical matter, doctors don’t like dealing with insurance companies, and while they want to help you they get frustrated. Your doctors document your medical records for the purposes of treating you and not for an insurance company review. As a result, most doctors do not document all of your limitations and complaints for purposes of a disability claim. Through our experience in helping thousands of disability claimants we educate your doctors about your disability insurance policy language and work with your doctors to document your medical conditions appropriately.


Obtaining strong written support from all of your treating doctors is usually the most challenging aspect of preparing a Unum Disability Appeal.


Custom Attending Physician Statements Are Essential

Our job during the appeal process is to work with you and your treating doctors to obtain medical evidence that rebuts Unum’s doctors (or hired doctors) written opinions. The attending physician statements created by Unum and previously completed by your treating doctors are generic and intentionally designed by Unum to offer limited support for your claim.

In every appeal we handle, we draft custom attending physician statements for completion by your doctors. Our physician statements are specific to your Unum Long Term disability policy definition of disability and your specific medical condition(s). With every type of medical condition we know the exact information Unum and their doctors are seeking as evidence of disability. If you have more than one condition that may impact your ability to work, and are treating with more than one physician we will reach out to all relevant treating doctors.

In addition to a custom physician statement we may suggest additional diagnostic testing or medical consultations with different medical specialists if we believe it will help bolster your claim. In some appeals, we will have you undergo a Functional Capacity Exam (FCE) or an Independent Medical Exam (IME). The results of an FCE are shared with your treating doctors as they can provide strong support for your functional limitations. We may also submit medical literature from leading medical publications which support your symptoms, limitations and potential risks associated with your condition.

Unum Appeal Success Story

An example of how we can prepare a strong appeal can be found in a case wherein Unum denied the claim of a Senior Project Manager who suffered from Cognitive Limitations. Attorneys Gregory Dell and Cesar Gavidia discuss how helping the client with the appeal resulted in Unum reversing the denial of disability benefits.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Unum disability denials, Unum will argue that if you can sit in a chair for 6 hours a day then you should be able to work. This unfair practice is obviously a ridiculous conclusion , but you must submit occupational evidence that any job requires more than just the ability to sit for a period of time. Unum’s denial letters will usually misrepresent your job duties or list other jobs they think you can perform for 40 hours a week. Depending upon the applicable definition of “disability” at the time you become disabled, it is critical to review how Unum has determined the duties of a job they say you can perform.

The occupational evidence that must be presented in your appeal will depend upon whether your definition of “disability” is either the inability to perform your “Own occupation” or the inability to perform “Any Gainful Occupation”. Own Occupation and Any Gainful Occupation are defined terms in your Unum disability policy. In most Unum disability policies the definition of disability is Own Occupation for the first 24 months and then it switches to the more difficult definition of Any Gainful Occupation. Most Unum disability denials happen either at the inception of a disability claim or when the definition of disability changes at the 24 month mark.

How Does Unum Determine The Duties of an Occupation?

Unum will rely on their own vocational consultant to determine how either your job is performed in the national economy or how any other job is performed in the national economy. This means that Unum ignores the way you actually performed your job for your employer and randomly determines how your job is performed nationally. Unum will also come up with their own opinions about how any job is performed regardless of who the employer may be.
To rebut Unum’s unreasonable occupational assessments, we regularly work with vocational experts in order to clearly define the duties of a specific job and the physical requirements to perform a specific job for 40 hours a week. A vocational expert will prepare a detailed report which reviews the duties of all jobs suggested by Unum, review your medical records, review your restrictions and limitations, and explain why you are unable to perform the job duties suggested by Unum. If necessary, the vocational expert may also perform a labor market analysis discussing the availability and salaries of specific jobs.

In many denial letters, Unum will come up with jobs that are not available in your area and that make these job suggestions unreasonable. As additional occupational evidence we may also submit employer statements from your co-workers, your job description, a personal statement from you about a typical day at the job, industry reports, and samples of work products produced in your job.

We provide a lot of detail in our Appeals to explain why you cannot perform the specific job duties of either your job or any job. Depending upon your definition of disability when you are denied, we also present evidence in our Appeals that can get you approved for benefits if your definition of disability will change at the 24 month mark. We don’t want you to win an Own Occupation appeal only to be denied again because you don’t qualify under the Any Occupation definition of disability.

Another Unum Appeal Success Story

In our video below Attorneys Gregory Dell and Stephen Jessup discuss an appeal of a Respiratory Therapist who was denied disability benefits by Unum. Our client suffered from Fibromyalgia. On the basis of their own medical review, Unum determined disability benefits were not supported. After submitting a strong appeal package on behalf of our client, Unum reversed the denial and awarded benefits.

How Courts Review Unum Disability Appeals

This paragraph may contain some technical legal information and we will try to make it as simple as possible. 95% of Unum appeals are governed by a law called ERISA and you must understand ERISA laws in order to prepare and write a strategic appeal. There is only one chance to submit a Unum appeal and it must be drafted in a manner so as not to tell Unum everything they did wrong. Most people, including lawyers that don’t focus their legal practice on Unum appeals, will submit appeals where they basically give Unum a roadmap on how to review the appeal by telling Unum everything they did wrong on the initial review. They will include lots of case law and detailed criticism of everything Unum did wrong. This is not the proper way to submit an appeal and really does nothing more than guide Unum as to how to conduct a “reasonable review” of your initial claim denial.

What Does A Reasonable Review Mean Under ERISA For A Unum Appeal?

The “reasonable review” language is key because if your appeal is denied by Unum and an ERISA lawsuit is filed, a judge must review the denial and apply an unfair legal standard called “abuse of discretion”. The abuse of discretion standard requires a judge first to determine if you are disabled. If the Judge concludes you are disabled, then the Judge can only reverse the benefit denial if he or she thinks the review conducted by Unum was unreasonable. So a Judge can find that you are disabled, but Unum’s unfavorable review of your claim was reasonable. In this scenario your denial will be upheld as the Judge must defer to the reasonable review conducted by the insurance company.


No matter how big or scary Unum may seem, we have recovered disability insurance benefits for our Unum clients in more than 95% of the Unum disability cases our law firm has accepted.


Why Drafting A Strategic Unum Disability Appeal Is Crucial 

Because of the abuse of discretion standard that applies to any Unum disability policy that contains a “discretionary clause”, we always draft a strategic appeal that focuses on your medical restrictions/limitations and how you are disabled in accordance with your disability policy’s definition of disability, rather than simply saying what Unum did was wrong. By telling them what they did wrong, it actually helps Unum create a record for litigation that could be perceived as more reasonable. There are a few states where the discretionary clause is illegal and the judge’s decision on the claim will be final regardless of the reasonableness of Unum’s appeal review.

Regardless of the standard of review that will apply to your Unum disability appeal denial, our lawyers have a very specific style of organizing, preparing and drafting Unum disability appeals letters which have helped thousands of disability claimants nationwide to receive their disability insurance benefits.

Let’s Discuss Your Unum Disability Denial

When we review your claim we will give you an immediate and honest opinion about your chances of recovering disability insurance benefits from Unum. Don’t let Unum or anyone else convince you to handle your appeal without legal help as you are about to go to battle against a company that generates billions of dollars a year in revenue. To help you learn as much as possible about Unum and the ERISA Appeal process we encourage you to review all of the helpful information listed below. We welcome you to contact any of our disability insurance attorneys for an immediate free phone consultation.

Is it Better to Appeal or Reapply for Disability?

Based on statistical data, it is more likely for your claim to be approved if you go through the disability appeals process rather than applying again. Nationally, around one third of disability applications are approved after the initial review.

When you appeal, you provide additional evidence to support your claim. This increases the chances of a favorable decision because it gives the review team more information to consider. Also, if there were errors or omissions on your initial application, an appeal gives you the opportunity to correct them and submit more information for consideration.

Reapplying for disability can be an option if you’re rejected during the appeals process. However, this should be a last resort as it involves starting the entire application process from the beginning. The goal should always be to get an approval on your initial application or appeal rather than having to reapply for disability.

How do I appeal my Unum disability claim?

Your appeal needs to include all legal and medical evidence necessary to support overturning the denial. It is recommended to include as much supporting information as possible to strengthen your claim. When you work with the team at Dell Disability Lawyers, we will write the strongest appeal possible for you.

When appealing a Unum disability claim, you must provide thorough and compelling evidence to support overturning the denial. This could include:

Your medical records – Medical records are critical in an appeal because they provide valuable insight into your physical or mental health conditions prior to filing for benefits. You should make sure to include detailed and comprehensive records that show your doctor’s assessment of your condition .

Objective evidence – This could include any test results or imaging studies that show the severity of your condition.

Treating physician statements – Your doctor can provide a statement to support your claim and explain how you are disabled under your policy’s definition of disability.

Vocational assessment – A vocational expert can provide useful information about your current work status and the impact of your disability on your ability to perform job duties.

Personal statement – You should include a personal statement about how the disability has affected your life and any other information that could strengthen the appeal.

You should also make sure to address any errors or omissions in the initial review when submitting your appeal.

Resources to Help You Win Disability Benefits

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

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

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

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Unum Reviews
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Policy Holder Rating

1.6 out of 5
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Showing 8 of 60 Reviews
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Unum

They closed my claim and I have been without income since they closed it

Reviewed by Mary C. on November 8th 2023   Verified Policyholder
Went off work on 9/26/22 due to back issues. Applied for Short Term Disability. On Jan 2023 switched over to Long Term Disability and Unum had me to apply for Social Secur... read more >
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 >

Answered Questions by Our Lawyers
(97)
Showing 8 of 97 Answered Questions

Q: Can receiving a Unum group LTD benefit settlement lower my SSDI benefit?

Answered on March 29th 2024 by Attorney Gregory Dell
A: Jeff,The acceptance of a Unum Lump Sum Buyout offer should not reduce your ssdi benefit. You should contact ... Read More >

Q: Do we have any legal action against Unum?

Answered on January 15th 2024 by Attorney Alex Palamara
A: I am sorry to hear of Unum’s actions here and how they have treated your claim, especially in their long del... Read More >

Q: Is it normal for “UNUM” to ask for a police report?

Answered on January 15th 2024 by Attorney Alex Palamara
A: Derrick, a simple answer to your question is Yes, if there was some sort of MVA accident which caused or contr... Read More >

Q: Unum stopped my COLA benefits at age 65

Answered on December 19th 2023 by Attorney Rachel Alters
A: Unum policies usually only pay COLA increases until you turn 65 even if the policy pays longer. Read More >

Q: Survivor's benefits

Answered on December 15th 2023 by Attorney Gregory Dell
A: Cindy: A few things come to mind. Your disability policy will have a section called deductible sources of inco... Read More >

Q: FMLA and my LTD claim

Answered on December 6th 2023 by Attorney Gregory Dell
A: Unum doesn’t consider FMLA as they only care if you meet the terms of your disability policy with Unum. Read More >

Q: Is the recipient responsible for overpayment when they had nothing to do with the reporting?

Answered on November 30th 2023 by Attorney Gregory Dell
A: Jeanne:The beneficiary, which would be you, is responsible for a legitimate overpayment regardless of who ... Read More >

Q: Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?

Answered on October 24th 2023 by Attorney Gregory Dell
A: Great question. The answer varies on the type of claim you have. On average Unum reviews medical eligibility e... Read More >
Helpful Videos
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Showing 12 of 896 Videos
Disability Benefit Tips
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Showing 8 of 331 Benefit Tips

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell Disability Lawyers receive comes from policyholders with UNUM long term disability policies. These claimants want to know, “Is UNUM a "good" insurance company?” But what is this question really asking? Learn more about what claimants may be able to expect when filing a&nbs... Read More >

How Long Does UNUM Long Term Disability Last?

When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy is written a little differently. But while many disability insurance  claimants may mainly be focused on the maximum benefit period - or the maximum amount of time the claimant can receive benefits under the policy, often age 65 - this benefit period may carry less... Read More >

Can You Sue UNUM?

If UNUM denies your long term disability insurance claim, can you sue? Generally, the answer is yes - but with some qualifications. Learn more about what a claimant may expect from the administrative procedures and appeal process they'll need to pursue after UNUM has denied their disability insurance claim.What to expect in a Group Policy... Read More >

How Does UNUM Define Disability?

UNUM Group - the Tennessee-based Fortune 500 insurance company that includes UNUM US, UNUM UK, and Colonial Life - defines disability in its own unique way. This means that the most commonly-accepted interpretations of "disabled" or "disability" may not quite gel with what UNUM considers disabled. What should long term disability insurance claimants know ab... 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 through insurance agents; that had received benefits for an extended period of time; and that were denied by Unum, in part, on the basis that their ability to travel was indicative of the ability to work. The first client, a doctor had coverage with Paul Revere Life Insurance ... 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 when filing an ERISA disability lawsuit against UNUM. This video provides some basic information about the lawsuit process. Our lawyers have helped thousands of claimants nationwide to obtain long term disability benefits.... 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 Company's denial of long term disability benefits. We offer some tips that can either help you to avoid a claim denial or possibly improve your chances to stay on claim. Contact any of our disability insurance lawyers for a free consultation to discuss your disability cla... 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, 2016 letter that we would be sending a videographer to record the Orthopedic Compulsory (Independent!) Medical Examination requested by UNUM. On January 18, 2016 Unum sent us a letter stating that they scheduled a videographer and that UNUM would pay for the videographer. ... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s disability insurance claim after it had approved and accepted liability for six months. Unum unreasonably concluded, without any evidence of improvement, that the claimant had resumed the sustained work capacity to perform the material and substantial duties of her high level occupation as a Transportation Division Manage... Read More >

Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again

Client was Regional Director for the State of Louisiana. She was diagnosed with cervical radiculopathy, spondylosis, lumbar spondylosis and bilateral carpal tunnel syndrome. In 2020 she underwent an anterior cervical discectomy and fusion. Unfortunately the surgery did very little to resolve her neck pain, radiculopathy and discomfort.She was a Regional Di... Read More >

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations Pharmacy Manager at the University of Missouri who recently suffered an acute retinal detachment leading to multiple corrective surgeries which unfortunately failed. She is an accomplished medical professional and health system executive with not only a doctor of pha... 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 convinced that their disability benefit denial was wrong.Prior to filing her claim for LTD benefits, our client had worked for 13 years as a Billing Manager for an Accounting Firm in New Hampshire. Unfortunately, for some time she suffered from lower back issues that mad... 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 approved by Unum under the 24 month mental health limitation contained in most Unum group disability policies. Despite our client’s attempts to prove to Unum that she was suffering from epileptic seizures, which were the true cause of her inability to work, Unum held fast to ... 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 in physical and emotional injuries, which impacted her ability to meet the demands of her job. Prior to hiring our office she filed her application for short term disability benefits under her employer’s disability insurance plan with Unum. From the onset of her short t... 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 forced Ms. L to stop working and submit her claim for disability benefits first under her employer’s short term disability (“STD”) Policy then continuing under her employer’s Long-Term Disability (“LTD”) Policy both benefits were administered and funded by C... 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 severe that she was diagnosed with anemia from the blood loss and profound fatigue from the nutrient loss. By the end of 2016 Sarah was no longer capable of effectively performing the material and substantial duties of her own occupation as an account manager and was forc... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

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

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This case supports all claimants that are disabled and claim that they cannot return to work as the requirements of their job will aggravate their symptoms and make them unable to work.Mark was a personal injury litigation attorney, when he began struggling with symptoms of... Read More >

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 senior property manager for Sealy Operating III, Inc., in September 2014. According to Sealy’s written job description, Plaintiff’s job duties included maintaining properties in good order and condition by contracting and scheduling necessary repairs and maintenance, con... 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. when about 20 years ago she became unable to perform the duties of her own occupation due to her suffering from endometriosis. She was covered under her employer's long term disability insurance benefit plan through Unum.Under the terms of the policy... 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 inexperienced lawyer may make the difference in a Plaintiff obtaining or losing long term disability (LTD) benefits. Plaintiff, a former corporation president, was covered under her employer's LTD insurance plan through Unum.Under the terms of the policy, LTD benefits wou... 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 (Union) for approximately 25 years when, on February 12, 2015, he was given a negative performance review and put on notice that he could be terminated.Plaintiff stated that on that date, "it all came together... mentally and physically, he could not do it anymore. H... 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 Dewsnup King & Olsen when he underwent quadruple bypass heart surgery after suffering a heart attack on March 18, 2015. As far as his heart was concerned, the surgery was a success. But he was left with constant pain across his chest near the area of his incis... 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 of Spencer Stuart. He was a high-level executive, generating one to two million dollars a year in revenue, "developing a network of contacts, constant availability to clients, and extensive travel." In November 2001, Plaintiff became disabled due to severe fibromyalgia a... 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 employee benefit plan provided by his employer and the insurance company was Unum. He began receiving long-term disability (LTD) benefits from Unum in November 2001. More than 15 years later, on November 22, 2016, Unum determined he was no longer disabled and terminated hi... Read More >

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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 insurance 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 disability insurance 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 disability insurance 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 attorneys 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 insurance attorneys 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 disability insurance 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 disability insurance 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 attorneys 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 attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance 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 offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers 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 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys 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 insurance 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, or video conferencing sessions. 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 insurance 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.

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