• Unum Denies LTD Benefits to Pharmacist on Narcotics and Oklahoma Court ReversesUnum Denies LTD Benefits to Pharmacist on Narcotics and Oklahoma Court Reverses

Unum Tells a Pharmacist On Narcotics That She Is Not Disabled and Denies Benefits

This case is just another example of a Unum claim rep reviewing restriction and limitations provided by their own in-house doctors, with complete disregard for the opinions of a claimant’s treating doctor. An Oklahoma Judge opined that Unum ignored the restrictions and limitations provided by the claimant’s treating doctors. The claimant, a pharmacist was unable to work due to suffering a broken tail bone. Her pain was so
sever that she was required to take narcotics. The claimant and her doctors advised UNUM that the combination of her pain and the side effects from her medication made it difficult for her to safely perform her job.

Unum hired a doctor to review the medical records and the hired doctor concluded that the claimant has no restrictions. This is typical Unum botch job, but I don’t understand how any human being could think it’s reasonable for a pharmacist that is taking Narcotics to fill prescriptions. Oklahoma, where this claim took place, has a law prohibiting pharmacist from taking narcotics while working. Unum ignored this information. Following the denial of an ERISA appeal a lawsuit was filed in Oklahoma federal court. This claim was not handled by our law firm. Fortunately the Oklahoma federal Judge reversed Unum’s unreasonable long term disability denial and awarded benefits to the claimant. If you are having trouble with a long term disability claim, please contact any of our disability insurance attorneys for a free immediate phone consultation. We are passionate about helping individuals that have been denied Unum disability insurance benefits and we have resolved more than 1,000 disability denial lawsuits against Unum. Learn more about our Unum disability lawsuits experience.

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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.

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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.

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Tracy W.

I contacted the law firm of Dell & Schaefer just to check and see if there was a possibility to settle my claim with UNUM and get a lump sum buyout. BEST decision I have ever made! Cesar called me within 24 hours of me sending a email and he discussed my claim in detail with me. Let me tell you, he not only discussed my claim detail but discussed my future plans and diagnosis, he wanted to make sure the settlement was the right option for my case. We decided to move forward with an offer to Unum for the buyout and within three weeks we had an offer. The offer that Cesar negotiated was not only fair but much more than I expected. And the best thing of all, I no longer have to deal with those monthly phone calls and interviews and having someone harass my doctors.

I do not want to forget Mr. Gavidia’s assistant, Anneli Decardenas. She kept me up to date on every aspect of the case, no I did not have to call to get information, Anneli kept me informed. If I did send in a request for information I received a prompt response. Best law firm I have ever had the pleasure to have represent me. Last but not least, I did crunch the numbers and accessed my long term payments against the settlement offer, I can tell you my outcome was very fair.

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