If your long term disability claim with Unum has been denied, delayed, or unfairly reduced, a Unum Long Term Disability lawyer can help.
Unum is a large insurance company with its own team of lawyers and claims specialists, which can make the process challenging for individuals trying to secure their benefits without legal representation.
At Marc Whitehead & Associates, we have over 120 years of combined experience protecting our clients’ rights. Our skilled insurance company disability lawyers understand Unum’s strategies, the legal deadlines, and the medical evidence needed to support your case.
With professional guidance, you have a stronger chance of getting the financial support you need. Call today for a free consultation.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Legal Help for Unum Claims Denial
Unum is one of the largest insurance companies in the world, providing group short-term and long term disability benefits, life insurance, and supplemental health insurance to employees. They’ve written over 17 million disability policies alone.
The company makes billions of dollars in profit each year. In a lot of cases, they sell these policies, make a lot of money off the premiums, and then often refuse to pay benefits when the policyholder files a claim.
For a free legal consultationwith an unum disability claim lawyer serving Nationwide, call (800) 562-9830
Why Choose Our Unum Long Term Disability Claim Lawyers?
Choosing the right lawyer can make all the difference in your Unum long term disability claim. Our firm was founded in 1992 and has over 32 years of experience helping people secure the benefits they deserve.
Disability law is all we do, and our team has built a national reputation for handling complicated claims and appeals. In fact, we literally wrote the book on disability insurance claims, making our firm a trusted resource in this field.
Founding attorney Marc Whitehead is double board-certified in disability law and litigation. With more than 1,500 five-star reviews, our clients’ success and satisfaction speak for themselves. You can trust our ERISA claim lawyers to always look out for your best interests.
Nationwide Unum Disability Claim Lawyer Near Me (800) 562-9830
Unum Claim Denial Tactics
Unum has built a bad reputation for how it handles long term disability claims. Many people were left without the financial support they needed during some of the hardest times in their lives. Instead of focusing on the well-being of its policyholders, Unum is often accused of putting profits first.
Some of the tactics and strategies employed in the Unum claim denials game include:
- Using unqualified witnesses or alleged experts to supply biased opinions favorable to Unum’s position
- Inappropriately investigating claims
- Attempting to discredit claims through the use of surveillance, investigators, and other means
- Requiring the claimant to submit to repeated independent medical exams
- Making partial payments on a total disability claim and other low-balling tactics
- Implying that the disability is a pre-existing condition
- Deliberately misinterpreting medical records
- Deliberately misinterpreting the terms of the policy
- Making unauthorized changes to policies after a claim is filed, without the consent or knowledge of the policyholder
Our Unum Long-Term Disability lawyers are familiar with the specific tactics used by the insurance company to devalue and dismiss claims. Over the years, we have developed and honed a wide range of strategies to combat Unum claim denial tactics and get our clients the disability benefits they paid for.
How to File an Unum Disability Appeal
If your Unum disability benefits claim has been denied, turn to our experienced Long-Term Disability insurance claims attorneys immediately. Your policy is governed by the Employee Retirement Income Security Act of 1974, also known as ERISA.
ERISA protects the rights of policyholders by requiring insurers like Unum to:
- Provide participants with important information about their plan’s features and funding.
- Describe the fiduciary responsibilities for those who manage and control plan assets.
- Implement a grievance and appeals process after denying a claim. This includes filing a lawsuit in federal court.
Under ERISA, Unum and other insurance companies have to provide customers with a means to appeal a denial of benefits; however, ERISA doesn’t say this process has to be easy.
Our Unum long term disability lawyers understand the nuances of the appeals process and what it takes to overturn a decision to deny benefits.
If litigation becomes necessary, Marc Whitehead & Associates has an impressive track record when it comes to winning lawsuits on behalf of people with denied claims from Unum and other insurance providers. You can trust our LTD lawyers to protect your rights.
Unum Long Term Disability Denial FAQs
Our experienced Unum Long Term Disability denial attorneys answer some of the most frequently asked questions by our clients. If you need more detailed information or have questions of your own, call us today and talk to our legal team.
Why Would Unum Deny a Claim?
Unum may deny a long term disability claim for several reasons, some valid and others more questionable. Common reasons include:
- Lack of sufficient medical evidence
- Missing documentation
- Claims that the medical condition does not meet the policy’s definition of disability
In some cases, Unum may rely on its own doctors or consultants who review files without ever examining the claimant, leading to unfair denials. The company may also argue that you can still perform some type of work, even if you can no longer do your own job.
Why Is Unum so Difficult?
Unum is often considered difficult because it is a large insurance company focused on protecting its profits. The company has a long history of denying, delaying, or terminating legitimate disability claims, sometimes using technicalities or narrow interpretations of policy language to justify its decisions.
Unum also employs its own medical experts and claims reviewers, who may downplay or question the severity of your condition without ever meeting you in person. This can make the process frustrating and overwhelming for policyholders who are already dealing with serious health problems.
Is It Hard to Get Approved for Unum Long Term Disability?
Yes, it can be hard to get approved for Unum long term disability benefits. Unum is known for closely examining claims and often looks for reasons to deny or delay payments.
The company may argue that your medical records do not prove your condition is severe enough, or that you can still work in some capacity. They may also require detailed documentation and strict compliance with deadlines, which can be overwhelming for someone dealing with health challenges.
Work With Experienced Unum Long Term Disability Attorneys
Working with our experienced Unum long term disability attorneys can make a big difference in your case. We understand how Unum handles claims and know the strategies the company often uses to deny or delay benefits.
With our knowledge of disability law, we can gather the right medical evidence, meet critical deadlines, and protect your rights. Contact Marc Whitehead & Associates to discuss your Unum claims denial and how to move forward.