UNUM Long Term Disability Cases

UNUM Long-Term Disability Claims: How Raval Trial Law Can Help

If you’ve filed a long-term disability (LTD) claim with UNUM and faced delays, denials, or wrongful terminations of benefits, you are not alone. UNUM is one of the largest disability insurance providers in the United States, but it has a long history of disputes involving unfair claims practices. At Raval Trial Law, we understand the complexities of LTD claims and are dedicated to fighting for your right to the benefits you deserve.

Common Issues with UNUM Long-Term Disability Claims

Policyholders often encounter various obstacles when dealing with UNUM, including:

Unjustified Denials: UNUM frequently denies valid claims without sufficient reason, often citing a lack of medical evidence or deeming the claimant capable of working despite medical documentation to the contrary.
Delayed Payments: Many claimants experience long delays in the processing and approving of their benefits, causing financial strain.
Surveillance and Biased Medical Reviews: UNUM has been known to use surveillance tactics and employ biased medical consultants to justify denying or terminating benefits.
Policy Misinterpretation: The company often interprets policy terms in ways that favor their bottom line rather than their policyholders.
Unfair Termination of Benefits: Even after initially approving a claim, UNUM may later revoke benefits without substantial evidence of improvement in the claimant’s condition.

Your Legal Rights Against UNUM

Insurance companies are required to act in good faith when handling claims. If UNUM has wrongfully denied your claim, delayed your payments, or unfairly terminated your benefits, you have legal options. Courts have repeatedly ruled against UNUM in bad faith insurance practices, and policyholders can challenge wrongful claim denials.

At Raval Trial Law, we specialize in holding UNUM accountable for unfair LTD claim practices. Our experienced attorneys understand insurance law and the tactics that companies use to deny rightful benefits.

How Raval Trial Law Can Help

Our legal team has extensive experience in handling LTD disputes with major insurers like UNUM. We offer:

Thorough Case Evaluations: We will assess the specifics of your case to determine the best legal strategy.
Assistance with Appeals: If your claim was denied, we will gather the necessary medical and occupational evidence to build a strong appeal.
Litigation Against UNUM: If necessary, we are prepared to take legal action against UNUM for wrongful claim denials.
Negotiations for Fair Settlements: We work to secure the full benefits you are entitled to under your policy.

The Importance of Legal Representation

Given Unum’s history of wrongfully denying long-term disability claims, it’s crucial for policyholders to be aware of their rights and the potential challenges they may face when filing a claim. Understanding how to deal with common problems in long-term disability claims can be invaluable in navigating the process successfully.

For many claimants, a lawyer experienced in handling long-term disability claims can significantly improve their chances of receiving the benefits they deserve. Legal professionals can help claimants understand their policy terms, gather necessary evidence, and effectively challenge claim denials.

At Raval Trial Law, we understand the complexities of long-term disability claims and the challenges posed by insurance companies like Unum. We have regularly handled cases against Unum and will continue to do so. We are dedicated to advocating for people who need help to secure the benefits they need and deserve. If you’re facing difficulties with a long-term disability claim, contact us to learn how we can assist you in navigating this challenging process and fighting for your rights.

If you are struggling with an LTD claim denial from UNUM, don’t navigate the process alone. The team at Raval Trial Law is here to fight for you. Contact us today at (713) 324-8118 for a free consultation and let us help you secure the benefits you deserve.