• What To Expect In a Unum Disability Lawsuit After a LTD Denial?
  • Can You Sue Unum?
  • Expectations For A Unum Disability Lawsuit
  • ERISA Disability Lawsuit: What You Must Know
  • Expectations For A Unum Disability Lawsuit
  • What Are The Remedies In An ERISA Long Term Disability Benefit Lawsuit?
  • Beware of Hired Gun Doctors
  • Senate Testimony Identifying ERISA Abuses
  • Time To File an ERISA Disability Lawsuit?

Unum Disability Lawsuit

We are passionate about helping individuals that have been denied Unum short or long term disability benefits. Our disability insurance lawyers have helped thousands of Unum disability claimants across the country and we have resolved more than 1,000 disability denial lawsuits against Unum. Our lawyers have filed lawsuits against Unum in state and federal courts in every state. While Unum is a company that has reported annual profits of just under one billion dollars, we love being the go to law firm that never backs down to them and has helped more than 95% of clients to recover disability income benefits.

Why Does ERISA Law Make Unum Lawsuits Challenging For Disability Claimants?

ERISA is an unfair law that governs all disability insurance policies that are provided as an employee benefit. More than 90% of Unum disability insurance policies sold are governed by ERISA. Unlike a non-ERISA governed policy, ERISA policy holders do not start on a level playing field. ERISA is unfair for the following five reasons:

  1. Does not allow a jury trial,
  2. No punitive damages,
  3. Very limited discovery,
  4. The Judge usually must apply a standard of review that defers to insurance company’s conclusion if a reasonable review was conducted,
  5. The Judge can remand the case back to Unum for any additional chance to review the claim and deny it again

In the videos above we discuss why ERISA is an unfair law for disability insurance claimants.

Unum denied the claim based on objective medical evidence
Unum's in-house doctor denied the disability claim
With no exam a third party medical company denied a Unum claim
With functional limitations Unum denied a disability claim because claimant has the ability to perform sedentary occupation
After a compulsory medical exam a doctor hired by Unum denied the disability claim
Unum denied claim based on a vocational consultant evaluation of employable with other occupation
Unum ignored claimants treating doctor's opinion of limited work restrictions and denied claim
Based on video surveillance Unum denied disability claim
My definition of disability changed from own occupation to any occupation and Unum denied my disability claim
Unum based your denial on a mental disability and not a physical disability

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.

Our clients have recovered more than $200 Million in Unum Disability Benefits.

When Can a Unum Disability Lawsuit be Filed?

The answer to this question depends on whether you have an ERISA governed disability policy or private insurance policy that is not governed by ERISA. If you have a Unum disability that was provided to you as an employee benefit, then your claim is almost always governed by ERISA. An ERISA disability lawsuit can not be filed against Unum until you have completed your ERISA appeal. An ERISA appeal usually must be filed within either three years of your date of disability or the date of the final disability denial 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 latter than 3 years after the date of denial.

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.

As much as we love to beat up Unum for their wrongful disability claim denials, we know how to set our egos aside and 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.

Through our 30+ years of experience suing Unum and our daily work on behalf of Unum disability claimants nationwide, we have seen and our 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 that give up the fight following a 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.


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   *****

Russel H. (Texas)

My experience is as such. I suffer from a variety of mental health issues the biggest being severe PTSD. When I had lost all hope the Good Lord guided me to Attorneys Dell & Schaefer. My assigned lawyer, Stephen Jessup, was the most understanding and compassionate human being I had come across since my breakdown. He not only guided me legally, but his kind words and understanding helped me spiritually as well. His co-worker, Sonia, was a heaven-send as well. Her kind words and prompt responses were amazing. Both Stephen and Sonia will never understand how blessed I am that they came in to my life at my darkest hour. Their work ethic and rigorous efforts towards my case gave me not only a win but it gave me justice and at the end of the day that’s all I wanted. I went in to this case with legal counsel and I left this with great friends. I was always informed, spoken to with the utmost respect and sincere compassion.

Stephen and Sonia, y’all are my silver lining in humanity. I’m a better person today having met you both even if only by phone and email.

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