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.
I was confronted with the daunting task of fighting an uphill appeal battle with MetLife, after being disabled since 2004. Metlife decided to discontinue my payments and the ERISA rules were not in my favor.
After researching to find a competent law firm, I decided to engage Dell & Schaefer; the pressure of trying to personally deal with insurance company was relieved. The attorney, Alex Palamara, was very professional and insured I was kept updated every step of the process. In the end, the case was settled out of court and I am satisfied.
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