Unum is one of the largest and most profitable insurance companies in America, but to ensure its continued fiscal stability, Unum routinely denies the rightful claims of its policyholders, and has been the focus of numerous national investigations.
Insurance companies operate to achieve one goal: create wealth for their executives and investors. This wealth is often generated at the expense of policyholders through unfair claim denials. Unum’s denial of long term disability benefits is a clear avenue to increase profits and improve their bottom line.
Disability Insurance Denial and Bad Faith
Insurance companies hold a legal duty to their policyholders to act in good faith and fair dealing. If your insurance company has failed to uphold this responsibility, you are able to sue on a bad faith claim. Unfair disability insurance claim denial is an example of a way in which Unum has failed to uphold its duty as an insurer and has resulted in countless bad faith lawsuits throughout the nation.
If you have been denied your long term disability benefits, Unum may have claimed the following:
- You failed to disclose a pre-existing health condition
- Your medical examinations were insufficient or inadequate
- There were problems with your paperwork or documentation
- The claim you filed was for a condition that is not a “covered” disability
- Our findings indicate that your procedure was elective, not medically necessary
While CEO’s watch their pay increase, the customers they are responsible to insure watch their insurance rates and their long term disability claim denials climb as well. Facing these insurance denials could be devastating to your financial stability and could even result in the immediate loss of your regular income, loss or foreclosure of your home, loss of your savings and denial of your health care.
Disability Insurance Denial and your Legal Options
Every state has laws banning bad faith insurance practices; however, large insurance companies like Unum have ample legal resources at their disposal to eradicate your complaints. An experienced attorney that specializes in long term disability denial will assist you in your fight to reclaim the benefits and compensation you are entitled to.
If Unum has denied your rightful long term disability benefits, you have a right to take action. You need an attorney that is familiar with the litigation of long term disability claim denials, and with over 30 years of experience in this field, Sokolove Law is ready to assist you in your fight to recover your rightful benefits.
Call Sokolove Law now at (877) 822-8214 to speak with an experienced case manager and find out if we are able to help you regain your Unum disability insurance benefits. Or, fill out the form on this page to request a free no-obligation legal consultation.