National Unum Disability Attorney – No Matter Where You Live, We Can Help
Was your disability claim denied by the insurance giant Unum? If so, you are one of thousands who are in similar situations as Unum continues its practice of delaying and denying legitimate insurance benefits in order to protect their profits.
What Can You Do When Unum Denies Your Claim?
You can appeal this decision by Unum, and we can help you do this. We will also evaluate Unum’s behavior to determine if they have acted in bad faith regarding your policy. If they have, we will pursue a bad faith claim against them in court.
To find out whether you have a valid claim against Unum, contact Marc Whitehead & Associates. We are a leading national disability law firm that specializes in disability insurance denials. We know the tactics Unum resorts to, and we know how to apply the law on your behalf.
Your Unum Disability Attorney Must Have a Deep Knowledge of ERISA
Many employers offer disability plans for their full-time employees. These plans are governed by a strict and complex federal law known as the Employee Retirement Income Security Act (ERISA).
Unum is the provider for thousands of these disability plans. They are notorious for denying valid claims that fall under ERISA, because they have little to lose and profits to gain.
If your Unum disability claim is under an employer-sponsored plan, it’s important to know that in a lawsuit, the proceedings lean heavily in favor of the insurance company. This is because ERISA puts a much higher burden on you, the claimant. Did you know that your administrative appeal to Unum is the last opportunity you have to submit evidence? If your appeal to Unum is denied and you file a lawsuit, the court will not consider any new evidence of your disability. This is why it is critical to the success of your case that you enlist the assistance of an attorney who knows how to build a case for your disability.
Unum knows the pressure you face. Their claims representatives are taught how to prepare a case for denial to make it appear admissible. Marc Whitehead is a skilled Unum disability attorney with a successful history of helping people challenge Unum claims denial and obtain their rightful benefits under their employer’s group plan.
Bad Faith Actions Against Unum for Denials of Individual Policies
Long term disability policies which are purchased privately by individuals are contracts. As such, they carry the protection of state insurance laws. If your claim for private disability benefits was denied, Unum disability attorney Marc Whitehead will help you fight the denial in order to provide you the disability compensation as stated in your contract.
Unlike group disability policies, you are allowed more flexibility when litigating individual disability policy issues. In addition, if Unum acted in bad faith, you may be eligible to recover general damages (such as financial hardship and emotional stress), punitive damages and attorney fees.
Call Unum Disability Attorney Marc Whitehead for Help Today
If you have been victimized by Unum, you don’t have to fight this battle alone. Disability insurance is a complex area of law that requires skilled legal counsel.
We will be honored to evaluate your situation, and discuss with you how we can help you collect the benefits Unum owes you.
Your call to us is free and you are never under any obligation to hire us. Most of our cases are handled on contingency fee – meaning we aren’t paid until you are.