The experienced disability attorneys at Marc Whitehead & Associates represent clients with Unum LTD denial claims at both the appeal and litigation stages. Unum is one of the nation’s largest long term disability insurance carriers, providing group and individual disability insurance plans to millions of workers. They are infamous for delaying and denying claims for disability benefits. Marc Whitehead & Associates have represented many clients who have had their claims denied by Unum. Marc Whitehead & Associates recently represented a 59 year old woman living in Atlanta, Georgia, who was forced to file an appeal when Unum denied her claim for long …

The Disability Benefits Attorneys at Marc Whitehead & Associates have helped thousands of disabled workers all across the U.S. get the disability benefits they deserve when they are unable to work due to an illness or injury. Most employee long term disability plans are governed by the Employee Retirement Income Security Act of 1974, or ERISA. ERISA was passed to protect short and long term disability benefits as well as retirement savings from mismanagement and abuse. It provides policyholders with the right to appeal a denial of benefits, including filing a lawsuit in federal court if they feel their claim as …

Your physician and other healthcare providers all agree - your illness or injury has left you unable to perform any work. Even the Social Security Administration, with their strict standards for awarding benefits, has decided that you are unable to perform any work and have okayed you for SSDI benefits. So why did Unum deny your claim for disability benefits? As national insurance benefits attorneys, Marc Whitehead & Associates hear this question all the time. What is Unum? Unum is the largest disability insurance provider in the country, collecting billions of dollars’ worth of premiums from millions of employees each year. “Unum” refers to …

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 in both the U.S. and UK. They've written over 17 million disability policies alone. The company makes billions of dollars in profit each year. How do they do it? In a lot of cases, they sell these policies, make a lot of money off the premiums, then refuse to pay benefits when the policyholder files a claim. According to the American Association for Justice, Unum ranks as the 2nd worst …

Class action suits are an effective way for ordinary people with similar legal complaints against a single company to pool their resources and take on a giant corporation. Instead of representing a single client, a disability insurance lawyer may represent hundreds of clients. Take the insurance company Unum, for instance. They're one of the largest providers of employee group disability benefits policies in the United States.  They have a bad reputation for unfairly delaying and denying disability benefits to policyholders who become too ill or injured to work. Their underhanded tactics have resulted in numerous lawsuits and class actions filed against …

Unum rakes in billions of dollars each year selling group and individual disability insurance plans to employees and individuals in the U.S. and UK. Like a lot of insurance companies, Unum is quick to take your money, but not so quick when it comes to paying you disability benefits if you find yourself unable to work due to an illness or injury. Unum is one of the leaders in denying disability benefits claims. Their tactics aren't always ethical, and the company has been ordered by the courts to pay out millions in fines and settlements. $40 Million Settlement In 2008, a …

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 …

Are subtle traps written into your Unum disability policy language? It's no accident that Unum disability policy language is written to be ambiguous and confusing. This is yet another example of the insurance company's strategies to deny or delay the payment of a claimant's rightful benefits. If Unum has wrongly denied your claim, we can help you. At Marc Whitehead & Associates, our attorneys have more than 20 years of experience with disability insurance companies. We deal extensively with Unum and we are prepared to help you secure the maximum benefits you deserve. Unum Disability Contracts are a Strategy for Long Term Disability …

 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 …

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 …

Are you a Unum policyholder who is experiencing problems getting your claim for disability benefits approved? The Unum Disability Denial attorneys at Marc Whitehead & Associates are here to help. People purchase group and/or individual long term disability insurance to provide a source of income in the event that they are unable to work as a result of a serious illness or injury. Insurance companies sell group and/or individual long term disability insurance to make money. If you have a legitimate disability claim, you should be able to receive the benefits you've been paying. Unfortunately, denial is often the result of an insurance …

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 …

Unum is one of the largest insurance companies in the world, a leader in providing group and individual disability insurance policies. They insure millions of workers in the U.S. Unum doesn't like to pay for disability benefits and will take extreme — and, sometimes, not so legal — measures to delay and deny a claim. Disability insurance companies such as Unum, Cigna, Aetna and Prudential often write their policies so as to take full advantage of rules and regulations to make it difficult for a disabled person to get receive benefits or to keep them for the entire length of the term …

Unum disability attorneys Marc Whitehead & Associates sometimes have to file suit in federal court on behalf of Unum insurance holders who were unfairly denied their benefits. Millions of workers in the U.S. have bought individual and group disability policies from Unum, one of the largest insurance companies in the world. The plans promise great benefits. However, when one of these workers becomes unable to work due to illness or injury they often encounter difficulties in obtaining these benefits. Big insurance companies like Unum, Cigna, Aetna, Prudential and others often write their policies so to take full advantage of rules and …