Unum, one of the world’s largest providers of group and individual disability benefits insurance policies, has a reputation for delaying and denying their customers’ claim when they become unable to work due to illness or injury. Over the past years, they’ve paid millions in fines and settlements for the tactics and tricks they use to unfairly deny the legitimate disability claims of their customers.
We want you to be aware of how Unum actually views their customers and what to expect when you make a claim for disability benefits.
What is known in the insurance industry as “Claims Management” is actually a system of cost-containment measures used by profit-based businesses. As a billion-dollar corporation, Unum takes center stage in this practice.
Unum is in business to make money and the more claims they deny, the more money they make. They consider your claim as a “negative” in their business plan. While this may be good for Unum, it’s not so good if you’ve become unable to work and must rely your Unum disability benefits to pay your medical and living expenses.
The last thing you need to deal with in addition to your health issues are delays by Unum in approving your benefits.
You Can Take Action After Unum’s Denial of Your Disability Claim.
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that governs most insurance and retirement plans in the United States. ERISA gives claim holders the right to appeal after a decision to pay benefits has been denied, including filing lawsuit in state and federal court.
For a free legal consultation, call 800-562-9830
If you feel your Unum claim denial was unjust, the first step you need to take is schedule a consultation with an experienced Unum disability claim attorney. Marc Whitehead & Associates have been representing clients who have been unfairly denied disability benefits since 1992. We’ve helped thousands of clients who find themselves being taken advantage of by Unum and other insurance companies. We’ll carefully review and evaluate the facts in your case, answer any questions you might have, and provide professional advice on how best to proceed after Unum’s denial of your claim.
If we decide to accept your case, you can rest assured that we won’t give up until we’ve exhausted all your options. However, there are strict deadlines in which to file an appeal, so you need to reach out to us without delay. The longer we have to prepare your appeal, the more evidence we can assemble to support your Unum disability claim.
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What about the costs? If you’re unable to work, you’re probably at a loss for how to pay for your medical bills, rent, food, school, etc. – you think the services of a high profile, nationally recognized disability benefits attorney like Marc Whitehead & Associates are the last thing you can afford. Don’t worry – in many cases we can handle your appeal on a contingency basis – which means there are no up-front costs when you can least afford it and we only collect a fee from a percentage of the benefits we obtain.
Contact Marc Whitehead & Associates to learn more about how we can help you appeal Unum’s denial of your disability claim. Download a copy of our free E-book for more information!
Call or text 800-562-9830 or complete a Free Case Evaluation form
