Marc Whitehead & Associates, Unum long-term disability lawyers can help get your benefits. Unum, a Fortune 500 company, is one of the largest providers of employer-sponsored long-term disability insurance plans in the country. They have a large staff of claims processors whose job is to protect the company’s financial bottom line. Unfortunately, this can result in many valid long-term disability claims being unfairly denied. The good news is that a claim denial is not the end of the process. You have the right to an appeal, and the law offices of Marc Whitehead & Associates can help you fight back for the full amount of benefits that you are rightly owed. Speak with an experienced long-term disability attorney about the best way to pursue an Unum disability benefits claim.
How to Appeal an Unum Long-Term Disability Claim Denial
Like other disability insurance companies, Unum will typically state one or more reasons for denying an initial claim for long-term disability benefits under an employer-sponsored or individual policy. A claimant who appeals a denial must respond in detail to each of those reasons with supporting documentation and explanations. For example:
- If Unum states that the disability is not medically justified, a doctor’s note with a general diagnosis that you are unable to work may not be enough to reverse a denial. The medical records should include test results, diagnostic scans, and other objective evidence showing how an injury or illness prevents you from performing your regular job tasks.
- If Unum tells you that your claim is incomplete or inaccurate, you must not only re-submit the claim but also review all supporting documents and materials to verify that you have not missed anything, however seemingly unimportant the omitted material might be.
- If Unum responds that your disability arises from a pre-existing medical condition that is not covered under a disability policy, you should respond with thorough medical records showing that your disability began after the policy became effective.
Our Unum long-term disability lawyers are expertise in responding to disability denials will be your best resource to submit a complete and proper appeal.
The Vocational Assessment Aspect of a Disability Claim
Your Unum long-term disability claim will be reviewed to determine not only your ability to perform the duties of your specific job but also from the perspective of whether you can perform the duties of any occupation. Unum will likely refer to its own internal data to show the type of work you could do notwithstanding a partial disability. You or your long-term disability claims lawyer can respond to Unum’s assessment with more
complete and accurate data from reliable sources, including the U.S. Department of Labor and other public and private agencies that track employment and job tasks.
The extent of the information that you will need to provide will be a function of how a disability is defined in the Unum long term disability policy under which you are submitting a claim. Call an experienced Unum disability claims lawyer if you do not understand that definition.
You Might Have Additional Options if Your Appeal is Denied
Even if your initial appeal is denied, you might be able to file a second appeal. If Unum acted in bad faith, you may be able to file a complaint with insurance regulatory authorities in your state, or, in limited circumstances, you might have reason to sue Unum to recover the benefits you deserve. The deadlines for taking these and other actions, however, are relatively short. To avoid missing those deadlines, retain a disability claims denial lawyer as soon as you can after you receive notice of a claim rejection of appeal denial.
Speak With a Unum Long-term Disability Lawyer at Marc Whitehead & Associates
Unum claims denial? The law offices of Marc Whitehead & Associates represent disabled individuals whose benefits claims to a private insurer have been wrongfully or incorrectly denied.
If Unum has denied your long-term disability benefits claim, please do not hesitate to call us at your earliest opportunity. Any delay in filing your appeal will further impair your claim. Our clients receive the full benefit of our knowledge and experience in pursuing disability claims with Unum’s representatives. We will thoroughly examine your denied claim, review your options, and give you all the information you need to decide how best to move forward.