Unum is one of the largest and most profitable insurance companies in America, but to ensure its continued success, Unum has been accused of routinely denying the rightful long-term disability (LTD) claims of its policyholders and has been the focus of numerous national investigations. If Unum denied your LTD claim, Sokolove Law may be able to help.
Unum Long-Term Disability Insurance Denial and Bad Faith
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, a practice known as insurance bad faith.
Insurance companies hold a legal duty to their policyholders to act in good faith and fair dealing. If you file a legitimate claim, it should be approved. If your insurance company denies a legitimate claim, they may be acting in bad faith. If this has happened to you, you should contact a law firm right away to discuss your situation.
Unfair disability insurance claim denial is one way Unum may fail to uphold its duty as an insurer, which has already resulted in countless bad faith lawsuits across the country.
Facing a long-term disability insurance denial could be devastating to a person’s financial stability and could even result in the immediate loss of regular income, loss or foreclosure of a home, loss of savings, and more — but you do have options to fight back against Unum’s decision if you believe you’ve been wrongfully denied benefits.
What Can I Do If Unum Denied My Long-Term Disability Claim?
Every state has laws banning bad faith insurance practices. However, large insurance companies like Unum have resources at their disposal that can make filing an appeal difficult. If your Unum claim was denied, you should know that you have options.
Depending on your case and your Unum long-term disability policy, you may be able to work with long-term disability denial attorneys to:
- File an appeal of your denied Unum long-term disability claim
- Request a second appeal if your Unum long-term disability appeal was also denied
- Submit an Unum complaint with your state’s Insurance Department to lay the groundwork for legal action
- Take your case to court in some cases
Learn More About Your Options
If you believe your long-term disability claim was wrongfully denied, an experienced long-term disability denial attorney can help you understand your legal options.
How to Appeal Unum Denied Disability Claims
Appealing denied Unum long-term disability claims can be difficult to do on your own, especially when you know insurance companies like Unum are looking for any reason to deny your appeal.
When you work with Sokolove Law, our long-term disability denial lawyers can assess your situation and help you understand your legal options. We may be able to help with your appeal and fight on your behalf to reclaim any disability benefits you may be owed.
What Happens After You Appeal a Denied Unum Claim
After you appeal your denied Unum claim, weeks may go by before you hear anything. You may need to check in with the insurer to make sure your appeal letter was received and to ask how the appeal is progressing.
If your appeal is denied, you should consider working with a long-term disability denial attorney who may be able to request a second appeal and help strengthen your claim. If your appeal is denied for a second time, it’s important to remember that you may still have options.
After you’ve gone through the appeals process, your legal team may be able to file a lawsuit against Unum to overturn the denial of your claim.
How to File a Lawsuit Against Unum for LTD Denial
Depending on the specifics of your Unum long-term disability policy, you’ll likely have to go through the appeals process before you can take further action against Unum over a denied LTD claim.
Insurance companies usually have legal teams who are prepared to spare no expense fighting your case. By working with Sokolove Law, you may be able to enlist experienced legal help who can fight back on your behalf — at no out-of-pocket cost to you.
Get Help Fighting Denied Unum Claims for Long-Term Disability
If your Unum long-term disability claim has been denied, you may have options to fight back and pursue your LTD benefits — and Sokolove Law may be able to help.
Over the last 40+ years, our long-term disability appeal attorneys have recovered over $115 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.
Denied Unum Long-Term Disability Claims FAQs
Does Unum deny long-term disability claims?
Like many long-term disability insurance providers, Unum has been the subject of many national investigations looking into their routine practices of denying rightful LTD claims. If your Unum long-term disability claim was denied, our disability denial attorneys may be able to help you appeal their decision. Contact us today to learn more.
Why did Unum deny my long-term disability claim?
If your long-term disability benefits were denied, Unum may have claimed that:
- 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
- Their findings indicate a procedure was elective, not medically necessary
Can I appeal Unum denied disability claims?
Yes, if your Unum long-term disability claim is denied, you can file an appeal, but keep in mind that companies like Unum may look for any reason to not pay your disability benefits. Any mistake on an appeal could end up costing you in the long run — but an experienced disability denial law firm like Sokolove Law may be able to handle the paperwork and appeals process on your behalf. Contact us to learn more about your options.
How do I appeal Unum’s decision?
If you believe your long-term disability claim was wrongfully denied, your Unum long-term disability policy may allow you to file an appeal to challenge their decision and potentially receive your Unum long-term disability benefits.
Experienced long-term disability lawyers working with Sokolove Law may be able to handle the LTD appeals process on your behalf. They are familiar with this process and can help ensure that paperwork is completed properly and on time. See if we can help with your case today.
Can I sue Unum over long-term disability denial?
Potentially, yes. If your Unum long-term disability claim has been denied and you’ve gone through the appeals process already, you may be eligible to file an Unum long-term disability benefits lawsuit — and Sokolove Law may be able to help. Get a free case review today to learn more.