Massachusetts Unum Disability Lawyer

If your Unum long-term disability claim was denied, you may still have options. Our Massachusetts Unum disability lawyers have over 45 years of experience helping families secure the benefits they're entitled to. Find out if we can file an Unum appeal or lawsuit on your behalf.

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Last Updated: August 14, 2025

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Why You Need an Unum Attorney in Massachusetts

The majority of long-term disability claims are initially denied, even if they’re valid. For decades, Unum in particular has faced criticism for denying claims and leaving policyholders without the support they need.

As one of the largest disability insurance providers in the country, the company is worth billions of dollars — and they have a powerful legal team on their side. However, we may be able to help level the playing field.

Our Unum attorneys in Massachusetts can:

Communicate with the insurance company on your behalf
Improve your chances of securing compensation for medical bills and daily living expenses while you’re unable to work
Help you understand your policy and why your claim was denied
Strengthen your case with additional evidence
Take care of the legal legwork for you, so you can focus on your health

Insurance companies like Unum actively look for reasons to deny claims and protect their bottom line. Even a small mistake on your application or appeal form could cost you your benefits.

Having an experienced Massachusetts Unum lawyer on your side matters. Let us help you take the first step toward justice.

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Choosing a Massachusetts Unum Disability Attorney

To choose the best Massachusetts Unum disability attorney for your case, it’s important to find someone who has a history of securing results in situations similar to yours.

Look for an Unum disability attorney in MA who has:

Decades of Success: We’ve been helping clients who were denied benefits seek compensation for over 45 years.
Millions in Recovered Benefits: Our long-term disability attorneys have secured more than $141 Million for clients who were wrongfully denied their disability benefits.
Resources to Fight: Our firm has access to expert witnesses, medical professionals, and other key resources needed to take on powerful companies like Unum.
Reviews from Clients: We’ve received hundreds of 5-star reviews from clients who have turned to us for help.
No Upfront Costs: You pay us nothing unless our Massachusetts Unum disability attorneys secure compensation on your behalf.

“Sokolove Law understood what I was going through and treated me like family. They knew the ins and outs of disability law, and they were ready to fight for my rights.”
– Mechanic with a Denied Massachusetts Unum Claim

At Sokolove Law, we strive to make the legal process as stress-free as possible for our clients, so they can stay focused on their health and getting the care they need.

Don't Take No for an Answer

We’ve recovered over $141 Million for clients with denied disability claims. Let us get you the money you deserve.

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Why Massachusetts Unum Disability Claims Get Denied

There are many reasons why Unum may deny a long-term disability claim. Understanding their reasoning is an important first step in appealing the decision.

Massachusetts Unum disability claims may be denied due to:

Disputes over the severity of your condition or the extent of your limitations
Lack of sufficient medical evidence to prove your diagnosis
Missed deadlines, incomplete forms, or other application errors
Not meeting Unum’s definition of a disability
Social media posts or other evidence that your insurer claims contradicts your disability

Even when a claim is legitimate, insurance companies may still deny your benefits to protect their profits.

At Sokolove Law, our Unum attorneys can help you understand why your claim was denied and build a strong appeal to fight back.

How to File an Unum Appeal in MA

Receiving a denial letter from Unum is not the end of the road. You have the right to appeal their decision and potentially recover the disability benefits you’re owed.

To file your Unum appeal in MA, our attorneys can:

Review the insurer’s LTD denial letter in detail
Gather additional evidence to prove your disability, like medical records, witness testimony, and expert opinions
Submit a compelling appeal letter to Unum that clearly explains why you meet the definition of disability under your policy
Request a second appeal if Unum issues a denial
Take legal action against Unum if the company still refuses to pay

We can file a long-term disability denial lawsuit on your behalf and negotiate a settlement with your insurer. If a settlement is unable to be reached, we’re prepared to take Unum to court and seek compensation from a trial verdict.

“We can help navigate the complex appeal process and work to minimize any disruptions to your life while maximizing the amount of potential disability pay in your case.”
– Ricky LeBlanc, Managing Attorney

Sokolove Law: Get Help Filing a Massachusetts Unum Lawsuit

Sokolove Law was founded in Massachusetts over 45 years ago. Since then, we’ve helped thousands of families secure the compensation they deserve after an injury or illness.

If your long-term disability benefits have been wrongfully denied, our team is here to help you file an appeal or a Massachusetts Unum lawsuit.

Find out why so many families put their trust in Sokolove Law:

No upfront costs or hourly fees to work with our team
Decades of experience taking on powerful insurance companies
Over $141 Million secured for clients who were wrongfully denied benefits

Call (800) 995-1212 now or fill out our contact form to get started with a free case review. You don’t have to face Unum alone — we’re here to help.

Unum Massachusetts Lawyer FAQs

What medical conditions qualify as a disability with Unum?

Unum claims to provide long-term disability benefits for a wide range of physical and mental health conditions. However, it’s not always easy to get approved for benefits.

Medical conditions that may qualify for Unum benefits include:

Autoimmune conditions like lupus or Crohn’s disease
Cancer
Chronic fatigue syndrome
Diabetes
Epilepsy
Fibromyalgia
Heart disease
Mental health issues like depression, anxiety, or bipolar disorder
Multiple sclerosis (MS)
Musculoskeletal disorders like back injuries, herniated discs, carpal tunnel syndrome, or arthritis
Stroke

Even if your diagnosis is on this list, Unum may still deny your claim — especially if the insurer believes you can still perform some type of work.

Our Massachusetts Unum disability lawyers are here to help you fight back. Get started now with a free case review.

How do you fight Unum?

To fight back against a denied claim from Unum, you can work with an experienced Unum lawyer in MA who understands how this insurance company operates.

At Sokolove Law, our attorneys can build a strong appeal on your behalf by gathering key evidence, securing expert opinions, and handling all communication with Unum. If needed, we’re also prepared to take your case to court.

How much does it cost to work with a Massachusetts Unum disability lawyer?

At Sokolove Law, there are no upfront costs or hourly fees to work with our Massachusetts Unum lawyers. We operate on a contingency-fee basis, which means you pay nothing unless we secure compensation for you.

Call (800) 995-1212 now to find out if our team may be able to help you pursue the benefits you deserve.

What is the Unum controversy?

Unum has been accused of wrongfully denying valid disability claims. Over the years, the state of Massachusetts has been involved in investigations that have determined Unum:

Failed to evaluate conditions as a whole and their impact on a claimant’s ability to work
Placed an unfair burden on claimants to prove they were disabled
Relied too heavily on in-house medical staff to support claim denials, rather than independent experts
Unfairly interpreted reports from the treating physicians of policyholders

The company was ordered to reassess thousands of denied claims. Despite this, Unum continues to face new lawsuits over how they evaluate long-term disability claims today.

Why is Unum so difficult?

Unum is one of the largest and most profitable disability insurance providers in the country. Like many insurance companies, they often try to protect their bottom line by limiting payouts — even when policyholders have a legitimate need for benefits.

Unum may demand excessive paperwork, deny claims for minor technicalities, or argue that you’re still able to work in some capacity, despite your diagnosis.

All of this can make the process of seeking benefits incredibly frustrating, especially for people who are already struggling.

What makes Unum deny?

Unum may deny disability claims for a number of reasons, including paperwork errors, a lack of medical records, or disputes over whether your condition qualifies as a disability.

The company has even been known to hire private investigators to surveil policyholders, hoping to capture photos or videos that suggest you’re not as disabled as you claim.

If you believe your claim was wrongfully denied, Sokolove Law is here to help. Contact our Massachusetts Unum lawyers now.

Are there lawsuits against Unum?

Unum has faced multiple lawsuits for wrongfully denying valid claims and leaving policyholders without the financial support they deserve.

In Mosley v. Unum, a Massachusetts woman was disabled by a tick-borne illness, but Unum cut her benefits short by classifying her condition as psychological. She requested an independent medical exam to prove her disability was physical, but Unum denied it. The court found Unum’s denial was likely intended to block evidence supporting her claim.

By working with a long-term disability denial lawyer, you can get help holding Unum accountable for acting in bad faith and putting their profits ahead of policyholders.

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1330 Boylston St
Suite #400,
Chestnut Hill, MA 02467
44 School Street,
Suite 400
Boston, MA 02108

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Call Us 24/7: (800) 995-1212

Local Massachusetts Areas We Serve

While Sokolove Law helps people throughout the country, we provide our services to people across the entire state of Massachusetts as well.

Sokolove Law serves locations across Massachusetts, including:

Boston
Brockton
Brookline
Cambridge
Chicopee
Fall River
Framingham
Haverhill
Lawrence
Lowell
Lynn
Malden
Medford
New Bedford
Newton
Peabody
Plymouth
Quincy
Revere
Salem
Somerville
Springfield
Taunton
Taunton
Waltham
Weymouth
Worcester
And more

Massachusetts Zip Codes We Serve

As a national law firm, Sokolove Law can help clients and their families wherever they may be in the U.S., including across the state of Massachusetts.

Some of the zip codes we serve in Massachusetts include:

01040
01085
01201
01420
01453
01545
01604
01701
01702
01752
01760
01801
01810
01821
01826
01841
01844
01852
01876
01902
01915
01960
01970
02038
02124
02125
02127
02128
02130
02131
02135
02136
02138
02139
02148
02149
02150
02151
02155
02169
02184
02301
02302
02360
02368
02472
02703
02720
02740
02780

Call (800) 995-1212 now for a free legal consultation.

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Ricky A. LeBlanc

Managing Attorney, Sokolove Law

Legal Editor
Fact-Checked

Ricky A. LeBlanc is the Managing Attorney at Sokolove Law. As Managing Attorney, Ricky is responsible for all communications with prospective clients and, along with his team of paralegals and case managers, review all potential cases.

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Mass.gov. “November 18, 2004: Multi-State, Federal Settlement Addresses Concerns Regarding Unum-Provident Claims Handling.” Retrieved from: https://www.mass.gov/info-details/november-18-2004-multi-state-federal-settlement-addresses-concerns-regarding-unum-provident-claims-handling.
Social Security Administration. “Annual Statistical Report on the Social Security Disability Insurance Program, 2020.” Retrieved from: https://www.ssa.gov/policy/docs/statcomps/di_asr/2020/sect04.html.
Unum. “Disability Insurance.” Retrieved from: https://www.unum.com/employees/benefits/disability-insurance.