Do You Have a UNUM Lawsuit?

UNUM, a significant player in the U.S. insurance market, offers services such as disability coverage, investment options, and dental and vision insurance.

Founded by Hugo Wesendonck in 1860, the company employs over 9,500 staff members and 2,700 agents working across more than 70 offices nationwide. However, like many large insurance firms, UNUM has faced controversy for prioritizing business interests over the needs of policyholders. Our UNUM lawsuit attorneys are here to provide you with the knowledge and strategies needed to effectively manage the complexities of UNUM lawsuit cases.

Understanding UNUM’s Disability Insurance Policies

UNUM offers a variety of insurance products, including long-term disability insurance. However, successfully filing a claim can be challenging, often requiring claimants to navigate significant obstacles. UNUM has previously employed strategies to avoid benefit payouts, such as canceling entire coverage categories to reduce the costs of ongoing treatments. These actions not only blocked compensation for multiple policyholders but also prompted the passage of “Ian’s Law,” which strengthens protections for individuals with severe medical conditions.

Common Grounds for UNUM Denials

When filing a long-term disability claim with UNUM, it’s essential to meet the specific definition of disability outlined in your policy. Failure to do so may result in a denial, which UNUM will explain in detail via mail. The company evaluates claims through various means, including strict policy requirements and intrusive investigative methods such as video surveillance.

Common reasons for claim denial include:

• Insufficient evidence of disability: Claimants must provide extensive proof of their condition, which may require more than just medical records and diagnoses.
• Biased assessments by UNUM doctors: UNUM can use its own physicians for evaluations, whose conclusions may sometimes be skewed to favor the company’s interests.
• Missed deadlines: Meeting deadlines is critical to avoid claim denial or losing eligibility for benefits.
• Discrepancies in disability claims: UNUM may use surveillance to uncover inconsistencies between a claimant’s reported condition and their behavior, justifying denial.
• Shifting from “own occupation” to “any occupation” policies: Proving disability across all job types becomes harder for claimants after the “own occupation” period ends.

Navigating the UNUM Long-Term Disability Process

Beginning the process of securing long-term disability benefits from UNUM requires thorough preparation. Claimants should anticipate rigorous scrutiny, as UNUM often employs various tactics to find legal grounds for denial. It is critical to provide comprehensive medical evidence that not only confirms the presence of the disability but also demonstrates how it affects the claimant’s ability to perform work-related tasks.

UNUM may delay the process by requesting duplicate documents or claiming non-receipt of records. To counteract these tactics, claimants should maintain well-organized documentation and present a clear, honest depiction of how their condition impacts their daily life and work capabilities.

For more information on UNUM and its services, visit UNUM’s official website.

Commencing a Lawsuit Against UNUM

If your long-term disability claim with UNUM is denied, it’s important to stay persistent. The first step is to carefully review the denial letter to identify the specific reasons for rejection. This will help you gather the necessary evidence to build a stronger case. You can pursue this on your own or seek assistance from a long-term disability attorney experienced in UNUM lawsuits. These legal professionals can help bolster your claim and potentially avoid further denials.

While navigating a lawsuit against UNUM can be challenging, employing the right strategy and resources can significantly improve your chances of securing the benefits you are entitled to. Although the process may be difficult, persistence and proper legal guidance can lead to a favorable resolution.

Contact Us About Your UNUM Lawsuit

Seeking expert legal counsel is one of your most valuable assets during this critical time. We encourage you to connect with DarrasLaw, a dedicated advocate committed to protecting your unum lawsuit rights and ensuring you receive the benefits you are owed. Contact DarrasLaw today to take the first step toward justice and secure your future.