• UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  • Long Term Disability Buyout or Settlement

Unum Disability Lump-Sum Buyout

On a weekly basis our law firm handles Unum lump sum disability buyouts and settlements. Over the past twenty years, our disability lawyers have negotiated over 1,000 Unum lump sum settlements and we know how to get you the highest value possible for your buyout. We offer a free immediate review of your claim to determine if a Unum buyout makes sense for you.

How Do We Help Claimants Get A Unum Lump Sum Settlement?

There are a couple of different ways in which we've been involved in helping people receive a lump sum buyout from UNUM. In most cases, we approach our contacts at UNUM to discuss whether or not UNUM is interested in engaging in a buyout. Our lawyers have specific contacts at Unum that only handle the buyout of a Unum long term disability policy. In some rare situations, UNUM will reach out to a disability claimant and offer them some sort of buyout. Never accept a Unum settlement offer without speaking with a lawyer first. There is a possibility that your offer is either too low or calculated incorrectly. There are numerous factors involved in the calculation of a Unum buyout offer, such as mortality rating (life expectancy), interest rates, your current age, the language in your policy(s), your medical conditions, and the actuarial guidelines used by Unum. Our clients get the benefit of the working relationship we have established with Unum in order to get reasonable buyout offers.

Should You Accept a Unum Disability Buyout Offer?

While a large sum of money at one time paid by Unum may seem good at first glance, it may not be in your best interest. Lump sum buyouts can be good, but they are not great for every single person. It just depends what your interests are and what your intent is in terms of what you want to do with the money. When we get contacted to handle a lump sum buyout, we discuss the strengths and weaknesses of your disability claim and what your options would be if not on disability with Unum. We get into difficult discussions about, your life expectancy or your mortality, which are very difficult issues to talk over, because most of these disability policies don't have survivorship benefits or don't pay a death benefit beyond maybe two or three months of payments.

The other issue is, what would you do with the money in terms of getting a lump sum versus continuing to get a stream of payments over time, if you think you're going to continue to get paid? A lot of people like to have a buyout, because they like the certainty of not having to depend on Unum to make a payment every month. Is Unum going to keep paying? Will Unum delay payment down the road? Other people like the financial security of having the money right away and being able to invest the money on their own. Some people have an immediate need for cash, and can't afford to keep waiting every month for their check to arrive.

More importantly, is that if you retain our firm to work on your behalf on a lump sum buyout with UNUM or any other company, we're going to do whatever it takes to get you the most amount of money possible. We're going to be able to advise if you are getting top-dollar value offers for your disability policy. And that's what we've done for hundreds of people with UNUM disability policies all over the country.

We always offer a free consultation. We welcome you to contact us at your convenience to discuss your claim. We will need to see a copy of your disability policy. That's very important, so that we can talk about the pros and cons of your policy, and let you know if we think a lump sum buyout is in your best interest. We look forward to the opportunity to speak with you, and thank you again for considering our law firm.

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   *****

Ken A.


5.0 stars


Most likely… if you are reading this now… you are searching for ‘The Right Disability Attorney’! Realizing that no professional, including Greg Dell, can make everyone happy, the attorneys at Dell attempt to. They are still representing my best interests and have literally collected every dime I am entitled to under policy. Insurance companies know that Greg Dell’s firm is large enough to have assets sufficient to fight if necessary. They won’t ‘roll over’ because they don’t have the money to stay in the ring. Your insurance company, I assure you, know who ‘Greg Dell’ is. After they receive that 1st letter from Mr. Dell, putting them on notice that they are no longer to contact you, (that ALL correspondence goes through him)… I assure you their ‘method of operation’ changes gears. Please listen to me.

It has been my experience that once you call your insurance carrier and tell them you are even ‘thinking about’ filing a claim – their ‘helping hands’ attitude changes immediately. You are no longer an asset… you have now become a ‘liability’. Your insurance carrier knows that they will never make another dime from you. From now on you will only cost them money… perhaps for the rest of your life. It’s just business folks… we try to mitigate liabilities. If they can find a way to stall, question and deny… most likely they will.

Understand that insurance companies make money three ways:

1. Collecting premiums.

2. Investing revenues.

3. Denying claims.

They have already collected your premiums and will now determine if they can justify denying your claim… they simply will.


If you are a professional and find yourself in the unfortunate position of filing a disability claim – I admonish you to not try this on your own!


Your decision is whether to hire a “disability claims consultant” or an “attorney” which specializes in professional disability claims. You’d be wise to decide upon the later. The reason being an attorney has “power” and “authority” and actually “represents you”. He/she has authority (power of attorney) to actually communicate with your insurance company and do “Whatever It Takes”. A disability claims consultant does exactly that… they “consult” with “you” (not the insurance company) and make recommendations… they tell you what to say and do.

Mr. Dell notified my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim. 5 years later I have received every single payment, in full and on time!

If you have not decided yet… please listen to me. You are about to step on the field of battle with Goliath. You must never forget that these insurance people are good… very good. They know what they are doing. All day long claims adjusters look for ways to deny claims. They know all the tricks. Unless you are King David… you are going to need much more than a rock.

In conclusion consider this… right now you are not looking for a friend. You need someone who knows what they are doing… and does it exceptionally well. Do yourself a favor and call Greg… call him right now. I assure you… you’ll sleep much better tonight!

***** 5 stars based on 202 reviews

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