Your physician and other healthcare providers all agree – your illness or injury has left you unable to perform any work. Even the Social Security Administration, with their strict standards for awarding benefits, has decided that you are unable to perform any work and have okayed you for SSDI benefits.
So why did Unum deny your claim for disability benefits?
As national insurance benefits attorneys, Marc Whitehead & Associates hear this question all the time.
What is Unum?
Unum is the largest disability insurance provider in the country, collecting billions of dollars’ worth of premiums from millions of employees each year. “Unum” refers to Unum Group, formerly known as UnumProvident Corporation (UP), and First Unum Life Insurance Company (First Unum).
Through buyouts and mergers, Unum has become a Forbes 400 corporation consisting of a vast network of subsidiary insurance carriers. These subsidiaries sell different insurance products in different locations. Unum subsidiaries include:
- First Unum Life Insurance Company
- Provident Life & Accident Insurance Company
- Paul Revere Life Insurance Company
- Unum Life Insurance Company of America
- Colonial Life & Accident Insurance Company
Each subsidiary company above has its own history of unfair claim denials and bad faith practices. You may not know it, but that policy you bought from Provident or Paul Revere policy is now governed and administered by Unum.
Unum Claim Denial Practices
Unum is also a fiduciary — under ERISA laws they are required to act in your best interest when evaluating and administering your disability claim.
If you’re involved in a Unum claim dispute, unfortunately you’ve become an unwitting player in Unum’s game of denying claims through unfair practices and bad faith. They utilize a whole host of delay tactics to drag out the claims process as long as possible. Our advice: don’t let them discourage you.
If Unum has denied your claim and you don’t understand or agree with their decision, our best advice is to schedule a consultation with a law firm whose expertise is insurance claim denials. Many law firms specialize in representing policyholders in their disputes with an insurance company. You need to select one that has successfully fought and won legal actions against this insurance provider. With experienced and dedicated legal representation, you can obtain the benefits you deserve.
Call Unum Disability Attorney Marc Whitehead
The last thing Unum wants you to do is contact an experienced disability claim lawyer like Marc Whitehead & Associates. Contact us today to schedule a free consultation with one of our Unum disability attorneys to get frank, professional legal advice regarding the best way to pursue your disability claim. We can tell you:
- What your legal rights are
- If you are eligible for a settlement
- What’s involved in pursuing a bad faith insurance claim lawsuit
Allow us to evaluate your Unum claim and give you an objective, expert legal opinion of the strength of your case and what you need to do next.