• Lawyer Tips for UNUM Disability Insurance Benefits Claim Approval
  • Applying For Disability Insurance Benefits
  • Doctors Applying For Disability
  • Doctor Support is Key to Approval
  • Dentist Applying for Disability
  • Business Overhead Disability Policies
  • Doctor Support Is Key To Approval
  • Why are the duties of my pre-disability occupation important when seeking LTD benefits?
  • Presenting Your Occupation Is Important
  • Why are the duties of my pre-disability occupation important when seeking LTD benefits?
  • Disability Company Interview
  • Disability IME Video
  • How to Prepare and Tips for Attending A Disability Insurance Medical Exam (IME)

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

You are likely looking for a disability insurance lawyer because you have heard about Unum's reputation for denying applications for either short or long term disability benefits. Our disability lawyers want to guide you through the entire application process and make sure your Unum disability claim is presented with the best possible chance to have disability benefits approved. Your claim is unique because of your medical condition and your occupation, but the process in which Unum will review your claim will always be the same.

What Are Common Claimant Mistakes When Applying for Unum Disability Benefits?

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.

How Do Our Disability Attorneys Help You Apply for Unum Disability Benefits?

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.

Top 5 Causes of Disability Insurance Claims: 1. Neuromuscular Muskuloskeletal or Soft Tissue Disorder
Top 5 Causes of Disability Insurance Claims: 2. Mental Issues (Depression, Anxiety, PTSD, Bipolar)
Top 5 Causes of Disability Insurance Claims: 3. Nervous System Disorders (MS, Parkinson's)
Top 5 Causes of Disability Insurance Claims: 4. Cancer
Top 5 Causes of Disability Insurance Claims: 5. Cardia Diseases

Our disability insurance lawyers have helped thousands of Unum disability claimants nationwide to recover disability benefits. Unum is a one-trick pony and they unfortunately are trained to look for any reason to deny or delay your application for benefits. In our videos below we discuss the Unum application process and provide a lot of helpful information about Unum. We recommend that you contact us immediately for a free consultation and review of your Unum disability claim.

Questions About Hiring Us

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.

Dell & Schaefer Client Reviews   *****

Greg S. (Arizona)

After practicing dentistry for 34 years, I was forced to stop working due to a long history of cervical degenerative disc disease and associated complications that impair my ability to practice my profession. When I learned that this was a permanent condition and I would likely never be able to practice again, I contacted Dell & Schaefer to assist me with filing my private disability insurance claim. I wanted the expertise and guidance of an experienced disability attorney from the beginning so that I would not be faced later on with having to undo problems I might unknowingly create on my own.

I was most fortunate to be represented by Mr. Steven Dell, who patiently answered each one of my questions and carefully steered me through every step of the disability claim process. He thoroughly got to know me, the history of my condition, and as my legal professional intermediary with the insurance company, guided me in compiling everything we needed for him to submit the claim for me. When Mr. Dell called to give me the good news that my claim had been successfully awarded and that he would continue to “be there” for me going forward, it was clearly confirmed to me that the key to this successful outcome was my decision, early on, to contact Dell & Schaefer.

***** 5 stars based on 202 reviews

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Request a free legal consultation: Call 800-682-8331 or Email Us