Why did Unum deny my long-term disability claim?

Video Summary

Unum is a major provider of long-term disability policies in the country, often offered by employers as group plans.
Unum is known for frequently denying claims, even legitimate ones, leaving claimants unsure of how to proceed.
Claimants have rights under ERISA (Employee Retirement Income Security Act) to file an appeal if their long-term disability claim is denied.
An experienced attorney can assist with the appeal process, providing strong support and evidence to increase the chances of success.
If the appeal is still unsuccessful, the next step is to file a lawsuit in federal court to challenge the denial.

Contact Our Long-Term Disability Attorneys Today

Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.