Unum & Denied Disability Claims
Insurance companies have one goal: create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials. Long-term disability (LTD) insurance denials provide a clear path to increased profits and an improved bottom line.
Insurance companies have 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 meet 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 income, savings, a home, and more.
There are options to fight back against a denied disability claim. We may be able to help you appeal the denial and secure any benefits you may be owed.
What Can I Do If Unum Denied My 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 a successful 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 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 LTD claim
- Request a second appeal if your initial appeal was denied
- Submit an Unum complaint with your state’s Insurance Department
- File an Unum disability lawsuit
- Negotiate an Unum settlement if possible
- Take your case to court in some cases
Call (800) 995-1212 or fill out our contact form today to learn more about your legal options and see if we can help with your case.
“Sokolove Law is the real deal. They've got the know-how, the passion, and the drive to fight for you every step of the way. Their dedication and hard work were unmatched.”
– Massachusetts Mechanic with a Denied Unum Claim
How to Appeal an Unum Claim Denial
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.
Don't Give Up on Your Benefits
We've helped clients across the country challenge their insurer's decision and secure the benefits they deserve.
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 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 an Unum Lawsuit 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. Call (800) 995-1212 now to get started.
“When I got sick and couldn't work anymore, my insurance company denied my long-term disability claim. I felt lost and betrayed. But then I found Sokolove Law. They listened and cared about my story. Now, I have the help I need to move forward.”
– California Woman with a Denied Unum Claim
Deadlines for Filing a Lawsuit Against Unum
Laws known as statutes of limitations restrict the amount of time you have to take legal action against insurance companies.
Once the deadline passes, you won’t have the opportunity to file an Unum disability denial lawsuit ever again.
This makes it incredibly important to contact Sokolove Law as soon as possible after your disability insurance claim is denied by Unum.
Our experienced Unum disability lawyers can help you understand the deadlines in your state and take action before these deadlines pass.
”Our attorneys handle claims in all 50 states and are well-versed in handling cases against large insurance companies.”
– Ricky LeBlanc, Managing Attorney at Sokolove Law
Our Unum Disability Lawyers Can Help Nationwide
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 45+ years, our long-term disability appeal attorneys have recovered over $131 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.
Call (800) 995-1212 or get a free case evaluation today to see if our Unum lawyers can help you.
Unum Denied Disability Claims FAQs
Does Unum deny long-term disability claims?
Unfortunately, yes. 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 was my Unum disability denied?
If your long-term disability benefits were denied, Unum may have claimed:
- 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
Unum claim denial tactics often include alleging a policyholder’s injury doesn’t prevent them from performing all workplace duties.
Even if you met all of the Unum long-term disability requirements, it’s possible they still denied your claim — but you do have legal rights and options.
Call Sokolove Law now at (800) 995-1212 to learn more with a free case review.
Can I appeal Unum denied disability claims?
Yes. If your Unum long-term disability claim is denied, you can file an appeal, but insurance 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 contact 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 if Unum denied my claim?
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 lawsuit.
An attorney can help you determine if this is possible. Find out if you’re eligible to file an Unum lawsuit now by calling (800) 995-1212 or filling out our contact form.
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.
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.
Is there an Unum long-term care class action lawsuit?
There is no Unum long-term care class action lawsuit at this time. However, there is a proposed Unum class action lawsuit regarding a data breach in 2021.
That said, you may be able to file an Unum lawsuit individually if the company unfairly denied your LTD benefits. Call (800) 995-1212 now to see if you qualify.
Is Unum hard to deal with?
Unfortunately, many policyholders with Unum have found the company difficult to deal with.
In addition to denying a high percentage of LTD claims, customers have also reported that Unum often:
- Delays claims needlessly
- Makes unnecessary requests for information
- Further complicates the claims process
If Unum denied your claim, call Sokolove Law now at (800) 995-1212 for help fighting back.
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.
How long does Unum long-term disability last?
The duration of Unum long-term disability benefits depends on how long your medical condition prevents you from working. However, benefits may be paid until retirement age.
If Unum wrongfully denied or terminated your long-term disability benefits, get a free case review now to learn about your legal options.
