Sue Unum

You may feel as if the Appeal review conducted by Unum was a sham and you never had a chance to have your Unum disability denial reversed. Your feeling of being called a liar by Unum and questioning if it is even worth filing a Unum disability lawsuit is exactly Unum’s plan. The sad truth is that the law governing long term disability insurance claims favors disability insurance companies and therefore a high percentage of Unum disability appeal denials are upheld. Unum hopes that you will just go away and that they can strong arm you to return to work out of financial necessity. The good news is that with a strong legal strategy your Unum disability benefit lawsuit can result in a recovery of your disability benefits.

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What Should You Expect In A Unum Disability Lawsuit?

Through our experience of having helped thousands of Unum disability insurance claimants nationwide, we would like the opportunity to help you win your Unum disability benefit lawsuit. In order to help you understand what to expect in a Unum disability lawsuit, Attorneys Gregory Dell and Alex Palamara have prepared the Unum disability lawsuit video below. We encourage you to contact any of our disability insurance lawyers for a free immediate review of your Unum disability claim denial.

When Can A Unum Disability Lawsuit Be Filed?

The answer to this question depends on whether you have a claim that is governed by The Employee Retirement Income Security Act, also known as (ERISA). If you have a Unum disability claim that was provided to you as an employee benefit, then your claim is almost always governed by ERISA. An ERISA disability lawsuit cannot be filed against Unum until you have received a denial of the appeal you submitted to Unum.

An ERISA lawsuit usually must be filed within either 3 years of your date of disability or the date of the final disability denial decision. If Unum fails to make a timely decision on your appeal, you can file suit without having to wait for Unum’s appeal decision. The law governing time periods to file lawsuits is known as the Statute of Limitations and it is an area of law that is regularly changing and not consistent from state to state. In a Non-ERISA disability benefit claim denial an appeal is usually not required by Unum and most lawsuits can be filed 90 days after proof of loss is due but no later than 3 years after the date of denial. In our video below, disability attorneys Stephen Jessup and Gregory Dell answer the question of whether you can sue Unum:

The period of time in which a lawsuit must be filed can be a complicated analysis determined by a combination of the policy language and the law of the state in which the person was denied. The best thing to do in many cases to avoid a statutory problem is to file a lawsuit as soon as reasonably possible.


Our Clients Have Recovered UNUM Disability Benefits in 99% of our Unum Disability Lawsuits


As much as we love to beat up Unum for their wrongful disability claim denials, we know how to set our egos aside. Our goal for every client is to try to resolve their Unum claim in the most expedient and efficient manner possible. Upon review of your disability denial letter from Unum we can immediately let you know if you have a claim that we think we can help you with. We look forward to speaking with you to discuss your options against Unum.

What Are the Most Challenging Issues in a Unum Disability Lawsuit?

The most challenging aspect of any disability lawsuit is the fact that your Unum disability benefit denial is likely governed by ERISA, a pro-insurance company federal law that governs almost all employer-provided disability policies. ERISA was designed so that insurance companies could offer affordable benefits to employees and in return have limited lawsuit expenses if a disability claim is denied. If your disability policy was not provided by your employer, then you will not have to worry about the ERISA lawsuit limitations. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the reasons why ERISA makes disability lawsuits against a company like Unum challenging.

Five Reasons ERISA Disability Laws Favor Unum 

  1. No jury trials are permitted;
  2. No punitive damages;
  3. Very limited discovery;
  4. The Judge usually must apply a standard of review that defers to the insurance company’s conclusion that you are not disabled;
  5. The Judge can remand the case back to Unum for any additional chance to review the claim and deny it again;

How Much Does Our Firm Charge to Handle a Unum Disability Lawsuit?

The proper preparation of a lawsuit against Unum takes a lot of legal time and our law firm is selective in the type and quantity of cases we accept. Providing the highest level of legal work and personal attention to your claim is a fundamental mode of operation for every lawyer in our firm. We are not high volume social security lawyers that are trying to handle disability insurance claims against Unum.

We have been handling claims against Unum for over 30 years. We only handle Unum disability lawsuits on a contingency fee basis. This means that we charge you a percentage of the disability benefits that we recover on your behalf. If we are not successful at recovering any disability benefits for you, then you do not owe us any attorney fees or cost for the work that we have done on your behalf.

More than 90% of the disability lawsuits that we have handled against Unum have resolved in a one-time lump sum settlement. We encourage you to review some of our Unum resolved case summaries to learn more about our experience. Most of our Unum disability lawsuit settlements have confidentiality provisions which limit our ability to discuss specific details about the cases.

A Unum Disability Lawsuit Story

In our video below, disability insurance attorneys Gregory Dell & Rachel Alters discuss how a Washington Court ordered Unum Life to award disability benefits to the Plaintiff, finding he was unable to work in his own occupation as a Web Content Specialist. The lawsuit revolves around how Unum wrongfully relied only on paper reviews to deny long term disability benefits, as opposed to relying on the claimant’s doctors to approve disability benefits.

Collecting Unum Disability Benefits Is A Reality

Through our 30+ years of experience suing Unum and our daily work on behalf of Unum disability claimants nationwide, we have seen and we are constantly aware of every claims handling technique used by Unum. We are one of the few law firms in the entire country that has the experience of going through a jury trial and receiving a favorable verdict against Unum. As a result of our years of battling Unum we have established a strong reputation and a unique litigation technique that allows us to cut through the traditional 18 to 24 month delay in resolving a Unum disability lawsuit.

We encourage you to contact any of our disability insurance lawyers to discuss some strategies for a possible resolution of your Unum disability denial. It is incredible and sad how many people we see give up the fight following a Unum claim denial as they don’t want to deal with Unum. Our lawyers make the lawsuit process as simple as possible for claimants by requiring almost no time or effort by the claimant to pursue a Unum lawsuit. Any of our disability lawyers are available for an immediate free phone consultation to discuss your Unum claim denial.

What are the Top 10 Reasons for Unum Disability Denials?

  1. Unum denied the claim based on objective medical evidence rather than medical records
  2. Unum’s in-house doctor denied the disability claim
  3. With no exam a third party medical company denied a Unum claim
  4. With functional limitations Unum denied a disability claim because claimant has the ability to perform sedentary occupation
  5. After a compulsory medical exam a doctor hired by Unum denied the disability claim
  6. Unum denied the claim based on a vocational consultant evaluation of employability in another occupation
  7. Unum ignored claimant’s treating doctor’s opinion of limited work restrictions and denied claim
  8. Based on video surveillance Unum denied disability claim
  9. My definition of disability changed from own occupation to any occupation and Unum denied my disability claim
  10. Unum based your denial on a mental disability and not a physical disability and therefore limited your benefits to 24 months

How Do You Fight Unum?

According to ERISA regulations, it is necessary to submit an administrative appeal to challenge UNUM’s denial before proceeding with a lawsuit. The appeal should include all relevant legal and medical documentation to support the request for overturning the denial. Our experienced legal team will ensure you have the strongest appeal possible.

If the administrative appeal is unsuccessful, you can file a lawsuit against UNUM. ERISA allows for lawsuits to challenge the denial of long-term disability benefits. The goal of the lawsuit will be to collect unpaid benefits, as well as penalties and attorney’s fees if applicable.

Resources to Help You Win Disability Benefits

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Submit a Strong Unum Appeal Package

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

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Sue Unum

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

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Protect Your Benefits
Get Your Unum Disability Application Approved
We help claimants throughout the entire application process.

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Prevent a Unum Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Unum Lump-Sum Settlement

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

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Unum Reviews
(60)

Policy Holder Rating

1.6 out of 5
Read 60 reviews
0%would recommend
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55%
1
43%
Timely Payments
1.8out of 5
Handling Claim
2.1out of 5
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Dependable
2.1out of 5
Value
1.9out of 5
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
(98)
Showing 8 of 98 Answered Questions

Q: Does Unum stop paying when you retire and or if you qualify for Social Security Disability?

Answered on April 16th 2024 by Attorney Gregory Dell
A: In most group Unum disability disability policies a retirement benefit that is funded by an employer and ssdi ... Read More >

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 >
Helpful Videos
(888)
Showing 12 of 888 Videos
Disability Benefit Tips
(331)
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 policyho... Read More >

How Long Does UNUM Long Term Disability Last?

When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy... Read More >

Can You Sue UNUM?

If UNUM denies your long term disability insurance claim, can you sue? Generally, t... Read More >

How Does UNUM Define Disability?

UNUM Group - the Tennessee-based Fortune 500 insurance company that includes UNUM US, UN... 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 throug... 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 th... 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 C... 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, 20... 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 long term disability claim after it had approved and... 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 rad... Read More >

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... 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 convi... 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 approve... 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 i... 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... 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 s... 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 ca... 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 seni... 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... 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 inexperien... 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 ... 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&nbs... 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 ... 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 em... Read More >

Reviews from Our Clients

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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 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 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 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 lawyers 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 lawyers 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 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 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 lawyers 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 lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our 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 welcome you to contact any of our attorneys 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 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers 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 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, GoToMeeting sessions, or Skype. 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 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.