Unum Claims Lawyer On Denied Disability Claims

An experienced, knowledgeable Unum disability claims lawyer may be able to help you if you were denied long-term disability benefits. Unum is the largest disability insurance company in America, and it is also known for its history of questionable claims handling practices. In fact, Unum has been investigated numerous times for denying rightful claims made by its policyholders. Insurance companies are profit driven and operate with their executives and investors in mind rather than the well-being of their policyholders. This means that if you are denied unfairly, you may want to appeal that decision.

Filing A Complaint Against The Company Regarding Unum Denied Disability Claims

Many life and disability insurance claim consultants feel that filing a complaint with your state insurance department against the company is not worth the time or energy. The state insurance department frequently declines to investigate ERISA matters which are governed by federal law; even in non-ERISA matters, the insurance departments may not investigate the complaint, instead sending a letter that states the insurer’s stance and that disavows any wrongdoing. A more effective solution could be for the insured to take up the matter with the state insurance department and ask for a review of Unum’s claims practices. While they might not pay attention to an individual complaint, they will look more carefully if many people complain about the same thing, which could eventually help hold the company accountable.

Disability Insurance Denial And Bad Faith

All insurance companies are legally obligated to act in good faith and fair dealing with their policyholders. If your insurance company does not act in good faith, you may be able to file a bad faith claim against it. The unfair pattern of insurance claim denials that Unum has exhibited in the past demonstrates a lack of accountability to its policyholders throughout the country.

Disability Insurance Denial Options

Once your Unum long-term disability claim has been denied, it is important to remember that you still have options. Each state has some form of bad faith laws that ban insurance companies from dealing unfairly with policyholders. Unum has a nationwide collection of lawyers with significant resources to defend complaints filed against it, so having an experienced attorney on your side is the best way to ensure that your appeal is given the attention it deserves.

A lawyer may be able to assist you as you file an appeal and pursue the benefits to which you are entitled. If you believe that your long-term disability benefits have been wrongfully denied, you can take action by contacting an attorney that is experienced in dealing with Unum disability claims denials. Unum may have a reputation for unjustly rejecting claims, but there is still legal recourse for policyholders to obtain the coverage they deserve. It is important to remember that there is generally a limited window of time in which to file a claim or challenge a claim denial. Make sure you know what your policy requires.

Holding Unum And Other Carriers Accountable

Insured claimants can also contact their employer’s human resources department to explain the unfair tactics used by Unum. The employee should be prepared to back their story with specific examples of how poorly he or she was treated. A loss of market share would seriously impact Unum and possibly lead to updating the procedures used for claim reviews. In some cases, employers are already canceling policies with Unum and opting to go with other insurers instead. Your employer might be able to offer alternatives to policies through Unum. Most companies sit up and pay close attention when their bottom line is affected. Change can happen at the grassroots level when employers understand that Unum is not serving the needs of the insured and not providing effective coverage. They might reconsider how to handle claims more fairly instead of dismissing an insured’s request with so little consideration.

Contact A New York/New Jersey Unum Claims Lawyers

Contact Uscher, Quiat, Uscher & Russo, P.C. in New Jersey, today at (201) 342-7100 for assistance from a Unum disability claims lawyer you can trust.