Unum is one of the largest and most profitable insurance companies in America. However, Unum has a history of wrongfully denying claims and has been the culprit in several nationwide investigations regarding unfair practices.
If Unum denied your long-term disability (LTD) claim, call (800) 995-1212 or get a free legal case review today. We’ll fight hard to get you everything you’re entitled to.
Unum & Denied Disability Claims
Insurance companies operate to achieve one goal: create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials. Unum long-term disability insurance denials provide a clear path to increased profits and an improved bottom line.
Insurance companies hold a legal duty to their policyholders to act in good faith and fair dealing. If Unum denies a legitimate claim, they may be acting in bad faith.
Unfair disability insurance claim denial is one way Unum may fail to uphold its duty as an insurer, which has already resulted in countless lawsuits across the country.
Unum not paying claims 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 their decision.
Don’t Take No for an Answer
We’ve recovered over $121 Million for clients with denied disability claims. Let us get you the money you deserve.
What Can I Do If Unum Denied My 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, please know: You do have legal rights and may still have options to secure the compensation you need.
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 Unum disability appeal over your denied 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
- File an Unum lawsuit on your behalf
- Negotiate an Unum settlement if possible
- Take your case to court in some cases
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.
Our attorneys may be able to handle your appeal and fight to reclaim any disability benefits you may be owed — at no out-of-pocket cost to you. We only get paid if we’re able to successfully recover compensation in your case.
What Happens After You Appeal an Unum Disability Denial
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 an Unum disability 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 an Unum insurance lawsuit to overturn the denial of your claim.
How to File a Lawsuit Against Unum Insurance for LTD Denial
Depending on the specifics of your long-term disability policy, you’ll likely have to go through the appeals process before you can file an Unum disability insurance lawsuit 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 can even the playing field and put pressure on your insurance provider to pay you what you’re owed, whether it’s your benefits or Unum lawsuit settlements.
If you have a case, our attorneys can handle the appeals process and file an Unum lawsuit if necessary — at no out-of-pocket cost to you or your family.
Don't Give Up on Your Benefits
We've helped thousands of clients across the country challenge their insurer's decision and secure the benefits they deserve.
Get Help From Experienced Unum Disability Lawyers
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 $121 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.
FAQs on Unum Denied Disability Claims & Lawsuits
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
- Your medical condition does not qualify as a “covered” disability
- Your 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 experienced Unum disability lawyers with Sokolove Law may be able to handle the paperwork and appeals process on your behalf.
How do I appeal an Unum claim denial?
If Unum denied your claim, it is in your best interest to consult a long-term disability denial attorney for help challenging their decision and potentially recovering your benefits.
With experienced legal help on your side, you can focus on your health and recovery, while we focus on the appeals process. Learn more about your legal options today during a free case review.
Can I sue Unum over 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 disability insurance lawsuit.
How much does an Unum lawyer cost?
At Sokolove Law, our Unum LTD attorneys work on a contingency-fee basis, which means there are no upfront or out-of-pocket fees. We only get paid if your case results in compensation.