Are Unum Disability Complaints Grounds for Legal Action?
Insurance giant Unum is infamous for denying disability payments to claimants. They rank just below Allstate as the leading denier of disability claims. Their handling of disability claims has been the subject of countless lawsuits. After an investigation by the Department of Labor, a court fined Unum $15 million for inappropriately denying claims. Unum was then directed by the court to reevaluate over 200,000 claims it had previously denied.
You’d think Unum would have learned a lesson, but no; at the law offices of Marc Whitehead & Associates we’re still hearing from Unum policyholders who describe how the company unfairly denied their claims for disability benefits. The complaints against Unum denial of benefits include both group and individual disability policies.
Attorney Representation in Unum Disability Denials
If you have been a victim of Unum’s denial of benefits, we encourage you to contact the Unum disability attorneys at Marc Whitehead & Associates. Our seasoned disability claim lawyers possess many years of experience battling with Unum and other insurers to obtain the disability benefits our clients have been unfairly denied. Don’t give up your chance to collect the badly needed benefits you deserve until you’ve spoken with Marc Whitehead & Associates.
Unum Complaints Include Various Policies
Due to mergers and buy-outs, Unum is the parent company of several other insurance providers, including Provident Life, First Unum Life, Colonial Life and Paul Revere. This means that old policies and claims under these providers are now governed and administered by Unum. No matter which company you purchased your policy from, a common theme of complaints against Unum and its family of companies is that legitimate claims rarely get a fair or objective review.
What Are The Causes Of Consumers’ Dissatisfaction With Unum?
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 favor of the findings of company sponsored IMEs. Other problems customers have experienced after filing a disability claim with Unum include:
- Their impairment does not meet Unum’s definition of being disabled;
- Unum alleges their condition was pre-existing;
- Being told there is no substantiated medical proof of their illness in cases involving chronic fatigue, fibromyalgia, lupus and similar medical conditions.
- They’ve received time-sensitive paperwork at the last minute, leaving them with no time to complete and return complex forms by the deadline;
- Dragging out their decisions for months or even years;
- Having Unum approve and pay a claim for a short period, only to later notify them that their claim is being closed because Unum no longer thinks they are disabled. Genuinely disabled claimants are often 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 more profit for them, so it’s is a risk they continue to take. How can you fight back when the odds are stacked against you?
Contact Us for Help With Your Disability Denial
It’s a fact that having an experienced disability claim denial attorney on your side vastly improves your chances of getting your benefits on appeal. We’ve dedicated our practice to holding the disability insurance providers who deny rightful claims for benefits responsible for their actions. The odds might seem overwhelming, but always keep in mind that Marc Whitehead & Associates are here to protect your rights and fight for the benefits you need and deserve — even if it means filing a lawsuit in state or federal court. The insurance companies’ delay and diversion tactics don’t deter us — we know how to play the game to win.
Professional legal help is just a phone call or email away — contact the law offices of Marc Whitehead & Associates to discuss your disability claim. In most cases, we work on a contingency basis, meaning there are no upfront costs should we decide to represent you — our fees come from the settlement we are able to recover for your Unum disability claim.