Are Unum Disability Complaints Grounds for Legal Action?
Attorney Representation in Unum Disability Complaints
Unum’s handling of disability claims has been the focus of countless lawsuits. Among other disciplinary actions, Unum was the subject of an investigation by the Department of Labor that led to a court order fining Unum for $15 million for inappropriately denying claims. The company was then directed to reevaluate over 200,000 claims they had previously denied.
Still, disability complaints continue to pour in. At Marc Whitehead & Associates, we see a steady flow of troubling questions about Unum denied claims from policyholders in desperate need of long term disability benefits.
If you have been a victim of Unum’s denial of benefits, we welcome and encourage your call. You must never give up when Unum denies your disability claim, but to win the fight you need a seasoned disability claim lawyer with many years of experience on your side.
Unum Complaints Include Various Policies
Complaints against Unum involve both group and individual disability policies. Due to mergers and buy-outs, Unum is the parent company of several other insurance providers, including Provident Life, Paul Revere, Colonial Life and First Unum Life. This means that old policies and claims under these providers are all governed and administered by Unum.
No matter which company your policy is under, a common theme of complaints against Unum is that legitimate claims do not get a fair and objective review.
What is Unum doing to cause such dissatisfaction?
Topping the list of complaints against Unum is their practice of rejecting or ignoring the claimant’s treating physician’s medical reports and recommendations. In addition, they may
- Claim your impairment does not meet their definition of being disabled;
- Allege your condition was pre-existing;
- Say your chronic fatigue, fibromyalgia or lupus has no substantiated medical proof;
- Send time-sensitive paperwork to you at the last minute, leaving you with no time to complete and return complex forms;
- Delay their decision for months or years;
- Approve and pay a claim for a while, only to later notify the claimant that their claim is being closed because Unum no longer thinks they are disabled. Genuinely disabled claimants are told that they are now considered able to return to their previous job, or to some other job.
Powerful insurance companies such as Unum are willing to sustain exposure to lawsuits. Every claim they successfully deny means profit for them. It is a risk they continue to take. How can you fight back when the odds are stacked against you?
Contact Us with Your Unum Disability Complaints
If you have complaints against Unum due to a wrongly denied insurance claim, you are not alone. And it is important that you do not fight Unum alone.
To win the benefits you deserve, there are essential steps in winning a Unum disability appeal. Marc Whitehead and Associates focus their practice on the fight against disability insurance providers who deny rightful claims for benefits. Our national disability claims law firm can help you fight your Unum disability denial with powerful and dedicated support.
Know Your Legal Rights! Ask a lawyer at Marc Whitehead & Associates about your Unum disability claim – help is a phone call away.