Blog Posts Disability Claims

Business Owner Disability Claims

National LTD Claims Lawyers Assisting Business Owners
Skilled Disability Attorneys for the Injured & Disabled
As a business owner, you are probably very familiar with the task of purchasing your own insurance coverage and dealing with claims. Unfortunately, when you have been injured or are unable to run your business due to a disability, it can be very difficult to file a claim under your long term disability insurance. Fortunately, you do not have to face your battle for benefits alone.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how vital long term disability benefits can be to your family and your business while you are unable to work. With more than 50 years of combined experience, we have the knowledge needed to help you understand the benefits you are entitled to and your options for pursuing them. Whether you need assistance filing an initial claim, or require guidance appealing a previously denied claim, our staff takes the time to carefully explain every step in your proceedings.

Contact a Disability Attorney for Support in Your Quest for LTD Benefits
Since no two LTD claims are exactly the same, our business owner disability attorneys will take the time to understand your needs before offering tailored advice on your case. By personalizing our representation directly to your needs, we put you in a position that offers the best chance for successfully recovering the benefits you are entitled to under your LTD plan.

Throughout our service to you, we will offer detailed advice on each step in your process, including:

Understanding your coverage
Gathering all medical records, doctors’ reports and financial statements
Completing the initial claim documentation
Filing the claim in a manner that maximizes your chance of success
Unfortunately, even the best prepared claims often are denied by the insurance company. If your claim is denied, it is important to understand that your pursuit of benefits is far from over; you have the right to file internal appeals with the insurance company as well as the right to file an ERISA lawsuit to prompt a review of your case by a federal judge.

Our staff will help you address the reasoning behind your initial denial, and will assist in the completion of all necessary appeals documentation. In short, we will not rest until we have exhausted every option available to you during your pursuit of the benefits you are entitled to under your LTD coverage.

Contact our office online or call 888-880-9046 to schedule a free consultation to discuss your specific business owner long term disability concerns with one of our experienced LTD claims lawyers.

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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.

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UNUM Disability Lawyers with a Record of National Success

UNUM Claim Denial Attorneys Ready to Fight for You
If you are unable to work due to an injury or disability, the last thing you want to hear is that your insurance company has decided not to pay you the long term disability benefits you are entitled to. Unfortunately, individuals with UNUM long term disability coverage are often faced with that exact situation, leaving them scrambling to figure out how to pay their bills and support their families.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how frustrating it can be to be denied by UNUM; our UNUM disability insurance attorneys have worked with countless clients who have been turned away by UNUM claims representatives. The experience we have gained while helping past clients fight for UNUM benefits has given us invaluable insight into effective steps to take to improve your chances of prevailing against UNUM.

When attempting to obtain long term disability benefits under a policy offered by UNUM, you should:

Hire an experienced UNUM claims lawyer: While it is possible to file a claim for UNUM benefits without legal guidance, our assistance may prove to be the difference between an outright denial and approval. If you filed your claim alone and received notice that UNUM has denied your claim, do not proceed without an attorney.
When dealing with UNUM, knowledge is power: Filing a successful claim for UNUM benefits can be difficult; our knowledge of UNUM’s claims department and their requirements can be invaluable during your pursuit of benefits. We have a working knowledge of UNUM’s claims requirements, the reasons they often deny claims and the mistakes to avoid while filing your claim.
Do not allow yourself to be intimidated: UNUM has earned a reputation for intimidating their clients, or offering low ball benefits settlements just to make them go away. When your financial well-being is on the line, you cannot let yourself be intimidated by UNUM and its representatives. Our UNUM denied claims lawyers have stood up to the company time and time again, and have successfully recovered benefits for countless clients who were entitled to, and deserved them.
Explore every avenue: If you have been denied, you have the right to file a number of appeals directly with UNUM. Should these appeals fall on deaf ears, you have the right to file a lawsuit under the ERISA act, which prompts the review of your case by a federal judge. Our staff will help you understand all of your options, and will offer the guidance you need to explore every option available to you.