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UNUM Long Term Disability Lawyers You Can Trust

Attorneys Helping Clients File UNUM Claims for LTD Benefits
UNUM is one of the country’s largest insurance companies, and is listed in the Fortune 500 list. Apart from their success, UNUM has also gained a reputation for denying a large percentage of long term disability claims, or making it extremely difficult for injured or disabled individuals to complete the claims process.

If you carry UNUM long term disability coverage and are unable to work due to injury or disability, it is in your best interest to hire an attorney with knowledge of UNUM’s claims department; while it is possible to file your initial benefits claim alone, the proper legal guidance can dramatically improve your chances of successfully recovering benefits.

At the law firm of Burke, Harvey & Frankowski, LLC, our UNUM long term disability attorneys leverage more than 50 years of combined experience and a firsthand knowledge of the UNUM claims process to offer support to individuals pursuing LTD benefits. Our work representing countless clients with UNUM claims allows us to offer insightful advice throughout the process of filing your claim.

A Proven Approach to UNUM Claims
When handling a claim through UNUM, it is important to take several steps to improve your chances of obtaining benefits, including:

Provide every detail: UNUM often bases its denials on a lack of information; our staff will help you gather and organize every scrap of information related to your condition and your claim. Working closely with your doctor and an accountant, we will compile your medical records, doctors’ opinions and financial statements.
Complete the claim paperwork clearly and completely: UNUM is notorious for having claim documentation that is vague and difficult to understand. We will walk you through every question in the claims form and offer advice on the proper method of providing the required information.
Be prepared to be denied: UNUM has a habit of denying a large percentage of initial claims, even when the claim clearly demonstrates qualification for benefits. Fortunately, a denial notice from UNUM does not signal the end of your pursuit of benefits; you have the right to file a number of internal appeals with the UNUM claims department, and the option to pursue an official review by a federal judge through an ERISA lawsuit.
Don’t Leave Your LTD Claim in the Hands of UNUM Representatives
When attempting to file a long term disability benefits claim under a UNUM coverage plan, it may be helpful to have the guidance of an experienced UNUM denied claims attorney. Our staff has successfully represented countless clients throughout the UNUM claims process, helping them recover the benefits they deserved under their coverage plans.

Blog Posts Disability Claims

UNUM Denied Claims Lawyers; Serving Nationwide

Long Term Disability Attorneys Appealing UNUM Denied Claims
In addition to being ranked in the Fortune 500, UNUM is also one of the country’s largest providers of long term disability coverage. Unfortunately, UNUM has also gained a notorious reputation for denying qualified claims for long term disability benefits. If you have received notification of a denied claim from UNUM, hire an attorney immediately; you’ve become involved in an uphill battle against an insurance juggernaut, the outcome of which may impact your very livelihood.

At the law office of Burke, Harvey & Frankowski, LLC, we’ve successfully helped countless clients appeal denied claims presented to UNUM. This work, in addition to more than 50 years of combined experience, has given our long term disability attorneys a unique insight into the inner workings of the UNUM claims department. This insight allows us to offer the detailed guidance you need to understand your rights and your options for appealing the decision of denial.

We Will Never Back Down from UNUM
UNUM is a high powered company that employs thousands of individuals, including a fair number of lawyers and claims representatives. Taking them on may seem like David fighting Goliath, but we believe our knowledge and experience handling UNUM claims evens the playing field.

Working closely with you, we will help you address all of your unique UNUM denial issues, including:

Determining the cause of your denial: By law, UNUM must inform you of your claim denial in writing. This correspondence must include the reason for your denial, the specific policy or guideline used to deny your claim and your options for appealing the decision. We will help you examine your denial letter to determine the true cause of UNUM’s decision to deny your benefits.
Addressing the reasons for denial: In many cases, UNUM will deny a claim on the basis that information or documentation is missing from your paperwork. In other situations, they may deny your claim because your condition is not clearly detailed. Whatever the reasons for your denial, we will help you address the weaknesses in your case, and will assist in gathering additional information or documentation to better demonstrate your qualification for benefits.
Filing your appeal: When you are denied, you have the right to file a number of internal appeals directly to UNUM’s claims department. We will help you draft your appeal in a manner that offers you the best chances of obtaining benefits.
Holding UNUM accountable: Unfortunately, UNUM has been known to continually deny appeals, despite clearly defined qualification. If you are refused benefits during the internal appeals process, you have the option to file an ERISA lawsuit, which leads to a review of your case by a federal judge. We will help you file your suit, and insure that every detail of your condition and qualification for benefits is clearly included in your paperwork.