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.
Our clients have recovered more than $200 Million in Unum Disability Benefits.
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:
In the videos above we discuss why ERISA is an unfair law for disability insurance claimants.
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.
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.
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.
Integrity and honesty is an important attribute to me. My Dell & Schaefer (D&S) attorneys meet and share these attributes. D&S have an entire staff dedicated to serving their clients. They’re all very approachable and friendly while keeping the client’s best interests at the forefront. You can contact or call them at the drop of a hat and they’ll assist you. You’re not treated like a number; you’re a respected individual and friend. They care. That’s how they make me feel. They often ask how I’m doing; how I’m feeling (I’m in a lot of pain). Most of all, under their protective umbrella, you don’t have to deal with the insurance company. D&S does all that. They keep things straight. It’s comforting. I would not hesitate to recommend them first and foremost for any disability legal needs.
I’m a retired Army Soldier. I’ve been disabled for about four and a half years. I was working for a company (post-military retirement) when I became disabled after an unsuccessful service connected C-spinal surgery that caused me serious complications. My disability is permanent. I had disability insurance with the company that I worked for as an added benefit. After I went down, and once I met the 6 month period for long term disability, the Hartford insurance company began paying monthly disability payments; however, they were always requesting additional information. It was always repetitive information, non-stop, i.e., asking for the same information I had provided only a few months prior.
They wanted repetitive doctors’ statements. I saw many doctors in my state in an attempt to fix or reverse what was damaged during my surgery in an attempt to return to work. My doctors all said the same thing. My medical condition was permanent. They all said I would not improve or get any better through more surgery or physical therapy. In fact, it might have gotten worse if I tried more surgery. There was nothing the neurosurgeons could do for me other than pain management, and continued PT for pain management to improve my quality of life. My disability insurance company continued to hound me for additional information despite what the doctors had already provided to them. It was ridiculous and it was obvious that the insurance company was trying to find anything to negate the policy.
About 18 months ago the Hartford insurance company requested an “in-home” interview with me. Despite the fact that my medical documentation was excellent and well documented regarding my disability, I had grown tired of dealing with this company on my own. It had become stressful to the point that my health was suffering even more. I had no idea how to handle this powerful company at the pending interview and I felt I needed legal representation to get them off my back protect my rights during the interview. That’s when I decided to enlist the help of Gregory Dell. I found him on the internet, watched several of his You-tube videos, and I was convinced that he was the legal representation I needed to guide me and protect me from this insurance company and my right to disability benefits.
From the moment I contacted Gregory Dell and his attorney associate Alex Palamara, the lead attorney who handles my case, I was treated with respect and dignity. With little notice, both of these attorney’s guided me through a successful interview with the insurance company. They were present (via telecom) during the entire interview, which took about two hours. They had told me to be myself and to be totally honest with the investigator during the interview. That I was, but when I was offering too much information to the investigator, they would tell me when to stop. They’re experts in disability legal matters. I’m not and I listened carefully to their advice and direction. I’m glad I did.
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