Let's Get Your Application for Unum Disability Benefit Approved the First Time

The application process is the foundation of any long-term disability benefit claim and it is critical to not make an error at this level. Mistakes at the application level will almost always result in a disability benefit denial. Our disability attorneys are familiar with every Unum disability policy and we have helped claimants in every occupation. The most common mistakes we see claimant's make when applying for Unum disability benefits are the following:

1. The date of disability selected by claimant is not correct;
2. Claimant fails to properly describe their occupational duties;
3. Claimant's doctor fails to complete the Attending Physician Statement in a manner that sufficiently states restrictions and limitations;
4. Claimant does not have either appropriate medical support or documentation and stops working prematurely;
5. Claimant has a pre-existing medical condition which is precluded from coverage;
6. Claimant failed to disclose something when policy was purchased and now the carrier want to rescind the policy due to late disclosure;
7. Claimant does not want to provide information that Unum is entitled to receive and benefits are either denied or delayed;
8. Claimant submits for an interview with Unum and answers questions resulting in a claim denial;
9. Claimant submits an application for long term disability benefits at the wrong time.

Our lawyers will help you by handling every aspect of your application and claim for Unum disability benefits. Following your initial phone call with any of our disability lawyers, we will immediately review your Unum disability policy(s) and begin the process of developing a plan to present your claim in the strongest manner possible. We will become your voice and Unum will only communicate with our office. Unum will never be allowed to call you, visit you, or send you any communication without first getting permission from your lawyer. We will work with you and your doctors to establish medical support in your medical records and proper completion of the Attending Physician Statements required by Unum. Strong medical support is essential to claim approval. If we review your medical records and believe that your medical support is insufficient, then we will recommend the type of medical doctors that you will need to treat with and any diagnostic testing.

All claim forms will be completed with your lawyer. Any interviews with the insurance company will be done with your lawyer. Unum often requests extensive financial and occupational information of which we will review and determine the information that you need to provide. The amount of information that you will be required to provide will vary based on the type of disability policy you have and your pre-disability occupation. For example, a business owner or physician will be required to present a lot more occupational information than a claimant that worked for an employer as a W-2 salaried employee without any company ownership.

Our disability lawyers have helped Unum disability claimants working in almost every type of occupation. Whether you are considering applying for Unum disability benefits or have already applied, contact any of our disability insurance attorneys for a free review of your claim. Our goal is to make the application process as smooth as possible and get your Unum disability benefits paid in a prompt and efficient manner.