UNUM Disability Denial Lawyer
UNUM denies legitimate private disability claims every day, counting on claimants to walk away. Many people rely on private disability coverage to protect their income when a serious health condition keeps them from working. A denial from UNUM is not the end of your case; it is the beginning of the next fight. You can appeal the denial and fight to overturn it with the right legal strategy and an advocate in your corner who knows how UNUM operates.
At Raval Trial Law, our team works with people dealing with private disability insurance disputes, including claims denied by large insurers. We understand how insurers review claims, the documentation they rely on, and the right steps required to challenge a denial.
If you are facing a UNUM disability denial, reach out to our lawyers today at (713) 324-8118 for a confidential consultation.
Why Many Claimants Turn to Our Firm
Large insurance companies often handle claims through layers of adjusters, reviewers, and consultants. That process can leave claimants feeling like their situation is reduced to paperwork rather than a real person dealing with a serious medical condition. Our firm takes a different approach. Clients who contact our team at Raval Trial Law often do so because they want direct communication with their attorney and a clear understanding of what is happening with their claim.
Here is what sets our approach apart:
- Direct access to an attorney: You will speak with your lawyer directly, not a long chain of assistants.
- Clear explanations: Disability insurance policies can be dense and difficult to read, so we focus on explaining issues in plain language.
- Preparation for trial from the start: We immediately gear up for the possibility of going to trial, fully prepared to pursue a case to its final resolution.
- Collaborative partnership: Our firm engages each client in a collaborative partnership to ensure you understand what is happening in your claim and how decisions are made.
- Proven results: Our firm has secured favorable outcomes for clients across disability pre-suit appeals and insurance litigation cases.
Many clients come to us after dealing with larger firms where calls go unreturned and updates never come. If that sounds familiar, we want to make sure you feel heard and informed at every step.
Why UNUM May Deny a Disability Claim
A denial rarely happens without explanation. Most denial letters include several reasons that the insurance company believes benefits should not be paid. Some of these reasons involve technical policy language, while others involve disagreements about medical evidence or work limitations. Common reasons UNUM denies private disability claims include:
- Insufficient medical documentation: The insurer may claim the records provided do not fully support the level of impairment reported.
- Disputes about work limitations: The company may argue that medical evidence does not show the claimant is unable to perform job duties.
- Policy definition disagreements: Many disability policies change the definition of disability after a certain period, which can lead to disputes about whether benefits should continue.
- Surveillance or social media reviews: Investigators may analyze public activity to argue that someone is more active than medical records suggest.
- Insurance Medical Examination findings: The insurer may rely on an Insurance Medical Examination (IME) requested during the claim review process.
Even when a denial letter sounds definitive, it does not always mean the claim is over. Many disability denials are based on incomplete information, selective interpretation of records, or disagreements between physicians.
What Happens After a Disability Claim Is Denied
Once your UNUM disability claim is denied, your next steps should involve a detailed review of the policy and the evidence used in the decision. Insurance companies rely heavily on written records, so building a complete file is often key to addressing the denial. Here are the steps to follow:
- Reviewing the denial letter carefully: The letter usually outlines the insurer’s reasoning and identifies what evidence they claim is missing.
- Evaluating the policy language: Disability policies contain detailed definitions and exclusions that must be examined closely.
- Gathering medical documentation: Updated reports from treating physicians can help clarify symptoms, diagnoses, and functional limitations.
- Analyzing insurer evidence: This may include surveillance reports, medical reviews, or conclusions from an IME.
Our focus is to understand the insurer’s reasoning as the first step toward determining how to respond. Later, we can advise you on what to do based on the reasons given for denial.
Frequently Asked Questions About UNUM Disability Denials
How Long Do I Have to Appeal a UNUM Denial?
For employer-provided disability policies, you usually have 180 days from the date of the denial letter to submit an appeal. Deadlines for individual policies vary based on the specific policy language. Missing this deadline can create serious problems because insurance companies often refuse to consider new evidence once the appeal window closes.
Can UNUM Use an IME to Deny My Disability Claim?
Yes. UNUM routinely orders IMEs as part of the claims review process, and the results are frequently used to justify a denial or termination of benefits. An IME is conducted by a physician selected and paid for by the insurance company, not your treating doctor, which means the evaluation may not fully reflect your actual condition or medical history.
How do I Get My Medical Records to UNUM?
Medical records are sent to UNUM through your healthcare providers after you sign a written authorization allowing the release of your information. It is helpful to confirm exactly which records the insurer requested so nothing important is overlooked. Keep copies of everything submitted to help you track what information the insurer has reviewed during the disability claim process.
Talk With Our Disability Denial Lawyers Before Moving Forward
A denial from UNUM can create uncertainty about both your health and your financial future. If your private disability claim has been denied, speak with a firm that focuses on these disputes to help you understand the issues involved.
Our team at Raval Trial Law has successfully helped others facing disability insurance disputes and believes in providing clear guidance to protect your rights. Call (713) 324-8118 to speak with our team and learn how to approach your UNUM disability denial case.
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