unum long term disability denial

Get Your FREE Consultation!

Stop Unum from denying your long-term disability claim. Get the help you need to appeal Unum's decisions and secure the benefits you deserve. Contact our experienced team today for a free consultation.

The path to claiming a long term disability insurance can be filled with obstacles. More so, if you have to deal with an insurance company like Unum. Unum, one of the leading providers of disability insurance in the U.S, has a stained history of denying deserving claimants their benefits. If you’ve experienced a Unum long term disability denial, rest assured that you’re not alone.

Understanding Unum

Unum, formerly known as Unum Provident, has a reputation for denying disability claims at a high rate. According to a CBS News report, a former Unum employee testified that the company systematically denied claims to meet cost-saving goals. As a result, many deserving claimants facing debilitating conditions were unjustly left without their due benefits. It’s important to know that Unum’s denial doesn’t have to be the end of your claim journey. If you’ve received a denial, don’t be daunted; there are steps you can take.

Legal Help: A Crucial Ally

Hiring an Appropriate Legal Counsel

The first step when dealing with a Unum long-term disability denial is to hire an appropriate lawyer. An experienced attorney understands the complex maze of laws and regulations surrounding disability claims. They will ensure that your appeal is handled correctly, thus increasing your chances of a favourable outcome.

It’s crucial to find a wrongful, personal injury or motorcycle accident lawyer well-versed in dealing with insurance companies like Unum. Having an experienced lawyer on your side can make a massive difference in the outcome of your claim.

Navigating Through the Appeal Process

An appeal is not simply re-submitting the claim with the same details. It is a comprehensive process involving collecting substantial medical evidence, submitting relevant documentation, and constructing a solid legal argument. A good lawyer will guide you through this process skillfully, offering advice at every step. They’ll know when to push back on insurance companies who routinely employ disability surveillance tactics to discredit your claim.

Steps to Take in a Unum Long Term Disability Denial

Understanding the Denial Letter

Read the denial letter from Unum carefully. It will include the reason for the denial and the details of the appeal process. Usually, policyholders have 180 days from receiving the denial letter to file an appeal.

Gather Strong Medical Evidence

Your appeal should be supported by irrefutable medical evidence. This includes test results, doctor notes, hospitalization records, etc. A reliable lawyer can assist you in gathering the necessary documentation and presenting it in the most persuasive manner.

Keep a Personal Journal

Your personal experiences and symptoms need to be part of the evidence. Maintain a journal detailing your symptoms and how it impacts your daily life. This will provide first-hand evidence of how your disability disrupts your ability to work, thus strengthiening your claim.

Wrapping Up

Having to deal with a Unum long term disability denial can be overwhelming. But don’t lose hope or feel defeated. Understanding your rights and taking well-informed steps can tip the scales in your favor.

Having an experienced attorney on your side can be beneficial in navigating through this intricate process. If your claim has been denied, it’s crucial to take prompt action. Remember, each disability case varies; hence an individualized approach will be the most productive to secure your deserved benefits.

$ 0 K
After turning onto a highway, the plaintiff was hit by a cement truck speeding.
$ 0 K
A person on a motorcycle was hit by a government vehicle in the accident.
$ 0 M
Our client was hit by a careless driver while she was in the crosswalk, causing her to lose consciousness.


At Legal Referral, we connect you with a diverse team of lawyers ready to fight on your behalf when life unexpectedly changes due to another’s negligence. Our objective is to empower our clients to regain control, find a renewed sense of security, and attain the justice they are due. We understand that life-altering injuries can add more burdens and stress on both victims and their families. Consequently, ensuring justice by holding the responsible parties accountable is absolutely imperative in our purview.

We provide unwavering legal assistance through our proficient justiciary crew and a national network of attorneys. Our commitment is to provide our clients with comprehensive and robust support, striving for optimal compensation in spite of any adversities. We prioritize our clients’ rights, campaigning for justice, irrespective of their circumstances.

We support you.

The lawyers in Legal Referral's Network are available to help you.

Life can suddenly take unexpected turns, often leading to unforeseen injuries or accidents. Accountability in these scenarios is paramount, particularly when the mishap is a consequence of another person’s neglect or irresponsibility. Our society safeguards the rights of each individual and obliges those who cause harm to be accountable for their actions, ensuring a just and safe community.

Bank on us to confidently navigate your accident claim. Steeped in years of experience, our team has a proven track record of fighting for auto accident victims. We’ve consistently negotiated favorable outcomes with insurance firms, including cases involving unum long term disabilities, denials. Our mandate at Legal Referral Firms is to tenaciously advocate for your rightful compensation to guarantee a swift and thorough recovery.

The Importance of an Attorney After a Car Accident

Attempting to secure an insurance settlement after an accident can be quite daunting, especially when faced with insurance companies determined to provide as little compensation as possible. Their knowledge of the claims process could potentially be used to sidestep providing fair and justifiable payouts for your damages, banking on your lack of experience in navigating insurance claims. This becomes more precarious when you are grappling with the harrowing threat of Unum long term disability denial. The stakes are high and relying solely on your understanding might be treacherous. You don’t have to wage this battle on your own as Legal Referral is here to support and guide you.

At Legal Referral, we believe in a steadfast and thorough approach to securing the compensation you rightfully deserve. We painstakingly delve into the details of your damages, aid you through the intricate scope of insurance laws, and fight tooth and nail to ensure you have the monetary restitution needed to overcome the setback of the accident. We acknowledge the emotional toll accidents can have on an individual and strive to alleviate your distress by providing reliable information and professional assistance.

Experienced and Understanding

Our firms will handle the insurance company on your behalf.

In a blink of an eye, a vehicle collision can wreak havoc on your world. With intense injuries on the line, the consequences are substantial. Perhaps, you’re pondering over how to garner reparation for your healthcare bills, income loss, and damages linked to the misfortune. Situations such as these can become increasingly complex when faced with unum long term disability denial, for example, adding another layer of stress to an already difficult situation.

usman malik xlxeGeh1DY4 unsplash

No Charge Unless We Succeed.

We’re accessible to talk with you every day, around the clock.

Reach out to us anytime, 24/7.

Feel free to contact us anytime, day or night, seven days a week.

Seasoned Legal Professionals

Our Firms have won millions for our clients and have a great record.


The aftermath of an automotive accident often provokes unease or panic, making clear thinking a challenge. Yet keeping composure is essential for attending to immediate, safety-first priorities. Do not move the vehicle unless it’s causing a traffic obstruction. Prior to leaving your car, make certain the environment is safe and promptly alert the authorities. The incident scene can be documented using your phone, so consider taking photos if practical. Any eyewitnesses should be identified and their contact details recorded. If you are injured, accept medical attention from the emergency responders on scene. You can read more about what to do after unforeseen accidents here.

Accidents happen. In fact, their prevalence is such that laws exist to mandate certain actions in their aftermath. Imagine, for instance, the scenario where an accident causes property damage or injuries that add up to $500 and above. The law requires that such an incident be brought to the attention of the police.

Establishing culpability in an auto collision often pertains to determining who caused the mishap. Law enforcement officers frequently make this determination by indicating the responsible party in the official police report. For instance, if a rear-end collision takes place, the other driver is usually held accountable. However, it’s important to realize that the initial assessment by law enforcement doesn’t necessarily represent the final verdict, as further investigation may result in a different finding.

When it comes to auto accidents, liability often falls on the driver who is proven to be at fault. It is expected that this individual, or their insurance provider, will bear the financial burden of the medical expenses for other involved parties. Furthermore, if you sustain injuries from the accident, you have the legal right to pursue additional compensation. This could include lost wages because of time spent away from work and other intangible damages such as pain and suffering. However, it’s crucial to note that the level of coverage provided by your insurance company can differ significantly. This depends on the level of fault, the nature of coverage, and your provider’s specific practices.

If you ever find yourself in the midst of a car accident, immediately filing a police report is a crucial first step that should never be overlooked. Doing so on the scene, if possible, provides valuable official documentation of the circumstances surrounding the accident. This can considerably strengthen your position should you later decide to seek compensation. The report typically includes drivers’ contact information, insurance details, and a thorough outline of the incident itself.

The timeline of a vehicular accident lawsuit fluctuates, with its particular characteristics dictating its length. A meticulous investigation precedes any potential resolution brokered by your lawyer. If a satisfactory settlement isn’t agreed upon, the issue may then proceed to court. Each step holds profound importance, and the guidance of a seasoned lawyer, such as an Olathe personal injury lawyer, becomes crucial to help you navigate this maze and ensure you receive the rightful compensation for your future.

If you have been involved in a car accident where you had sustained some severe injuries, you have a span of five years to file a personal injury or property damage claim. This five-year term is known as the statute of limitations. To understand your rights and the best approach to your situation, it’s vital to promptly consult with a seasoned car accident attorney. Reliable accident lawyers from Olathe Personal Injury Lawyer can guide you through the intricate legal maze of unforeseen accidents. Ensuring that you are not left in a quagmire, they help you navigate the aftermath of the incident with utmost confidence.