Unum and other insurance company employ many strategies designed to ultimately deny policyholders of their disability benefits. One of their favorites is to drag out the claims process as long as possible in an attempt to discourage and distract a policyholder into making a mistake or just giving up.
Don’t Give Up!
Marc Whitehead & Associates are here to tell you: if Unum is trying to wear you down by dragging out the claims process, don’t give up!
Unum is one of the world’s largest insurance company. They provide group and individual disability benefit insurance to hundreds of thousands of workers in both the U.S. and UK. They’ve also paid millions of dollars in fines for wrongfully denying Unum policyholders their disability benefits.
Marc Whitehead & Associates are nationally recognized Unum disability claim attorneys. We’ve been protecting the rights of workers who are unable to work due to illness or injury since 1992. Being denied disability benefits doesn’t necessarily mean you aren’t qualified to receive those benefits.
With our dedicated representation, we can help you appeal an unfair denial of benefits verdict and obtain the benefits you need and deserve, even if it means taking Unum to court.
Tricks Unum Will Use To Deny Your Claim
Unum will make the whole process as daunting as possible. Here’s a few of the tricks Unum will try to use to deny your claim:
- Disregarding Your Doctor’s Medical Statements: In many cases, it appears that your doctor’s statements, which specifically state that you can no longer work, are irrelevant in making their decision. In others, Unum’s medical examiner will often try to interpret your medical records for the company’s benefit, resulting in a denial or only partial payment of the disability benefits you are entitled to.
- Your Physical Disability is Actually a Psychological Disability: It is a medical fact that physical disabilities–from heart disease to fibromyalgia–can also cause depression, anxiety and other psychological impairments. Many Unum Long Term Disability policies have a two-year limitation on coverage of mental or nervous conditions. We’ve encountered many cases in which Unum will try to transform a claim for a physical condition into a claim for a psychological impairment. By dragging out the claims process with this and other delaying 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.
- Don’t Call Us, We’ll Call You: In many instances, Unum makes it as difficult as possible to navigate their chain of command in order to speak with a supervisor. Unfortunately, many policyholders become discouraged with Unum’s stonewalling and give up on their claim — even though they need and deserve the benefits promised to them by the insurance company.
- Never Enough Information: Unum will often repeatedly (and unnecessarily) require you to provide additional supporting evidence of your disability. They may make a demand that you be evaluated by their doctor, which is probably uncalled for. At first these seem to 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.
Do You Need Help Appealing a Unum Denied Claim?
Unum is going to try to play you. It’s part of their plan. They’re hoping you won’t know that you have the right to fight back, that you won’t have the know-how or resources to challenge their decision.
That’s why you need to have Marc Whitehead & Associates on your side. Our expertise and knowledge will level the playing field. We know the rules of the game and will force the insurance company to play fair — or else. We have an impressive track record for successfully fighting and overturning claim denials made by Unum and other insurance companies.
If you have questions about how to appeal your Unum denied claim, contact Marc Whitehead & Associates to schedule a free initial consultation with one of our Unum disability denial attorneys. Don’t delay — there are strict deadlines for filing an appeal. The more evidence we are able to collect, the better your chances of getting the full disability benefits you are owed.