Unum issues disability insurance benefits to currency trader suffering from depression and chronic fatigue

Our client, a financial currency trader, purchased a long term disability policy from Unum more than 10 years before she was forced to file a claim. Our client was a successful currency trader with a history of depression and bouts of severe fatigue, who, due to her conditions stopped working in January of 2008. For over 18 months she was unable to get out of bed most days, let alone remember or consider the disability insurance policy she had purchased many years before.

In August of 2009, with the assistance of her family, she filed a claim for long term disability income benefits under her Unum policy based on her depression and chronic fatigue. Unum immediately informed her of the notice of claim and proof of loss provisions in her policy, which establish the deadlines for the filing of information. Additionally, they began to request numerous documents of her, many of which were no longer available, as her former employer was no longer in business.

Overwhelmed by the situation and facing financial hardships they contacted Dell and Schaefer at the end of November 2009, to take over the handling of the claim.

Faced with the challenge of the unavailability of information crucial to establishing her claim for benefits, attorneys Gregory M. Dell and Stephen F. Jessup began gathering medical records, as well as documents they knew from experience would assist in establishing and re-creating information as to her pre-disability job duties. In January of 2010, attorneys Dell and Jessup responded in full to Unum’s request for information, and provided argument as to her entitlement to benefits despite the unintentional late filing of the claim. In March of 2010, Unum agreed to issue benefit checks for total disability retroactive to August of 2009. Attorneys Dell and Jessup continue to provide information to Unum and make argument for our client’s entitlement to benefits retroactive to the date she ceased working.

Notice of Claim and Proof of Loss Provisions establish extremely important timelines for the filing of a claim for benefits. Failure to adhere to these provisions could potentially jeopardize an entire claim.

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FAQ

Do you help Unum claimants nationwide?

We represent Unum clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Unum disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Unum. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Unum.

How do you help Unum claimants?

Our lawyers help individuals that have either purchased a Unum long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Unum:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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 telephone, e-mail, fax, GoToMeeting.com 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 800-682-8331 or by email. Lawyer 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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