Unum Long-Term Disability Denial
Unum has been known to wrongfully deny long-term disability (LTD) benefits for policyholders across the country, leaving them empty-handed and wondering how they’ll pay for their expenses. If your LTD claim was wrongfully denied, a top disability may be able to fight your Unum disability denial and get you the benefits you’re owed.
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Fight Unfair Denials with an Unum Disability Lawsuit
Founded in 1848, Unum is one of the oldest and largest providers of disability insurance in America. Unfortunately, it is not uncommon for individuals with long-term disability insurance policies issued by Unum to find that the insurer has unjustly denied their claims.
An Unum long-term disability denial may be considered insurance bad faith, which means the insurer failed to uphold its duty to act fairly with a policyholder in order to protect profits.
Not only is insurance bad faith illegal, but it can also have devastating consequences on those who were denied benefits. After an Unum disability denial, a policyholder may lose their home, savings, and more.
However, an Unum disability denial is not the final word on a claim. In many cases, policyholders have options and can fight back to get the benefits they deserve.
What Our Unum Lawyers Can Do for You
Insurance companies often make the process of securing long-term disability benefits unnecessarily difficult to discourage you from pursuing a claim — but you don’t have to face these challenges alone.
When you work with our Unum lawyers, we’ll handle every step of the appeals and legal process on your behalf, so you can focus on your health and loved ones.
Our team has the experience and resources to figure out why your claim was rejected and gather evidence to challenge the denial.
Submit a Strong Appeal
Next, our Unum attorneys will help you gather any necessary evidence to build a strong appeal that responds to each aspect of your insurer’s rejection.
Evidence for your appeal may include:
- Additional or updated medical records detailing the severity of your condition
- Opinions from experts who can confirm your diagnosis and its impact on your ability to work
- Records from your employer that document how your condition affects your job performance
- Statements from your coworkers or loved ones showing how your disability impacts you daily
If Unum continues to deny your claim and rejects the appeal, our team is prepared to file a lawsuit against the insurance company to seek out the money you’re owed.
File an Unum Disability Lawsuit
If you’ve exhausted all of your opportunities to appeal an Unum long-term disability denial, you may still be able to get the benefits you’re entitled to through a lawsuit.
Sometimes, a lawyer can file an Unum disability insurance lawsuit and try to get your claim denial reversed. They can also negotiate with Unum for a settlement so you have quicker access to much-needed compensation.
Your legal team will be ready to fight for you in court if a settlement can’t be reached.
In 2022, a New York federal court ruled in favor of an accountant with a progressive spine condition who sued Unum after her claim for long-term disability benefits was denied. Ultimately, she received 45 months of retroactive benefits and future benefits for as long as she meets the conditions of her plan.
Secure the Denied Benefits for You
Whether through an appeal or a lawsuit, our goal remains the same: to recover the Unum benefits you were wrongfully denied. Compensation can help you pay for medical bills, lost wages, and more.
Unum appeal lawyers in our network have secured over $133 Million for clients facing unfair disability denials.
Past Unum Settlement Amounts
- $975,000 for a physician whose Unum appeal was denied
- $325,000 for a Unum claim denial in Illinois
- $110,000 to a woman whose Unum disability claim was denied
- $325,000 for a Michigan client whose Unum LTD claim for depression was denied
Get Help From an Unum Disability Lawyer
If you’re facing an Unum long-term disability denial, don’t give up hope. You may still have options available to you to secure the benefits you deserve.
We can connect you with top disability appeal lawyers who have secured over $133 million on behalf of those who were unjustly denied benefits.
Our legal partners:
- Can handle cases in all 50 states
- Have 40+ years of experience
- Never charge any upfront fees
- Understand Unum’s claim denial tactics
Get a free case review right now to see if we can connect you with a top Unum lawyer to fight your claim denial.
Unum Disability Denial FAQs
How much does Unum pay for long-term disability?
The amount Unum pays for long-term disability claims depends on the terms and coverage of the individual policy. Benefit payments can be up to 60% of the insured’s pre-disability income.
How long does it take Unum to process a claim?
Under the Employee Retirement Income Security Act of 1947 (ERISA), Unum has 45 days to review and respond to your initial claim.
- However, the company may request a 30-day extension to review your claim if they ask you to send additional information.
- Between multiple requests for more information and additional extensions, the entire process could continue for up to 6 months.
In some cases, insurance companies like Unum may purposefully delay claims, as you can’t appeal without an official denial letter.
If you believe Unum is using delay tactics with your claim, consider contacting an attorney as soon as possible.
What are the lawsuits against Unum long-term care insurance?
Lawsuits against Unum long-term disability insurance involve disputes over denied or delayed benefit payments.
In these claims, some policyholders state that Unum did not fulfill its obligations or acted in bad faith when handling their long-term insurance claims.
Written by: Long Term Denial Team