Prevail Against Unum Denied Claim Practices
Was Your Unum Claim Denied for Long Term Disability?
If Unum is wearing you down by dragging out the claims process, don’t give up. Delay tactics are just one of Unum’s strategies to ultimately deny you of your disability benefits.
Unum uses tactics to deny claims. We use the law to get to the truth.
For many claimants, Unum’s claim denial tactics are the beginning of the end of their hopes to receive their rightful benefits. But Unum’s denial does not mean you cannot win. You can still fight to enforce payment of the disability benefits that you deserve.
Not only can you fight back; with representation from a highly skilled Unum disability claim lawyer, you can win.
Unum will make the whole process as daunting as possible.
Some examples of Unum’s denied claim practices include:
- Disregard for Medical Statements: In many cases, it appears that your doctor’s statements, which specifically state that you can no longer work, make no difference. Unum’s medical examiner may interpret your medical records to their benefit, resulting in a denial or only partial payment of the disability benefits you are entitled to.
- Exploitation of Mental and Nervous Limitations: It is a medical fact that physical disabilities–from heart disease to fibromyalgia–can lead to depression, anxiety and other psychological impairments. Many Unum LTD policies have a two-year limitation on coverage of mental or nervous conditions. A very real scenario in a Unum denied claim is to manipulate a claim for a physical condition into a claim for a psychological impairment. By dragging out the claims process through numerous delay tactics, Unum will find ways to sideline the primary diagnosis so they only have to pay a limited claim for a mental or nervous disability.
- Stifled Communications: Unum can make it very hard to get through their chain of command to reach a supervisor. They plan for the time when you have exhausted all available administrative remedies, and in order to obtain your rightfully owed disability benefits, you are forced to file a lawsuit against Unum. At which point, if you haven’t already, you simply give up.
- Repeated Requests for More Information: Unum may repeatedly (and unnecessarily) require you to provide supporting evidence of your disability. They may demand that you be evaluated by their doctor, which may also be uncalled for. At first these may appear to be reasonable requests, but the fact is often these requests are well-planned tactics to delay the process as well as “find” evidence that they can use against you.
When you need help fighting a Unum denied claim, turn to an experienced disability attorney.
At first, you do not realize you are being victimized by Unum. It’s part of their plan. What they also don’t want you to realize is that you have the right to fight back, with as much power and as many resources as they have.
Our disability insurance attorneys will join you in this fight. We have years of experience fighting and overturning claim denials with this insurance company.
If you have questions about your Unum denied claim, contact Marc Whitehead & Associates for a free, highly informative consultation.
Our commitment is to relieve you of the pressure of dealing with Unum and get the maximum amount of disability benefits you deserve.