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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.
Policyholders often encounter various obstacles when dealing with UNUM Provident Long Term Disability, including:
Given UNUM’s aggressive tactics, it’s essential to build a strong case when filing a disability claim. Consider these steps:
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.
If UNUM has denied your claim, taking immediate action is crucial. Here’s what you need to do:
Our legal team has extensive experience in handling LTD disputes with major insurers like UNUM. We offer:
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 policy exclusions, gather necessary evidence, and effectively challenge claim denials.
UNUM provides monthly payments based on a percentage of your pre-disability earnings after you complete a waiting period (also called the elimination period). You must submit medical evidence proving that your condition prevents you from working. Some policies cover only your current job, while others require proof that you cannot perform any occupation. UNUM may conduct medical reviews, surveillance, and claim reassessments over time to determine if you still qualify for benefits.
You must prove you’re unable to perform your essential job functions due to a medically supported impairment. Some policies require proving you can’t work in any occupation.
Most UNUM LTD policies cover 50-70% of your pre-disability salary, subject to a monthly cap. The exact amount varies depending on your policy terms. Some high-income professionals may have additional coverage limits, and benefits could be reduced if you receive other income sources like Social Security Disability Insurance (SSDI) or workers’ compensation.
A lawyer can help if UNUM denies, delays, or terminates your claim unfairly. They ensure proper documentation, handle appeals, and, if needed, take legal action to secure your benefits.
The length of time UNUM will continue paying long term disability benefits varies based on your policy. Some plans cover disabilities for a few years. On the other hand, others extend coverage up to age 65 or until retirement age.
If your employer paid the premiums pre-tax, benefits are taxable. If you paid with after-tax dollars, they’re usually tax-free. Check your policy for tax details.
The duration of UNUM’s LTD benefits varies based on your specific policy terms. Generally, benefits continue as long as you meet the policy’s definition of disability, up to a maximum benefit period, often until age 65.
A rushed appeal increases the risk of denial because it may lack the necessary medical evidence, expert opinions, or vocational assessments. UNUM often looks for inconsistencies in claims, so it’s crucial to prepare a detailed and well-documented appeal. A strong appeal should address the reasons for denial, include comprehensive medical records and provide statements from treating physicians. A strategic and thorough appeal improves your chances of approval.
Yes. If UNUM continues to deny your claim despite strong evidence, you can file a lawsuit under ERISA or state insurance laws.
When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership. We understand the unique challenges associated with insurance disputes, and how to navigate them successfully and in a manner that accomplishes our clients’ objectives. Our practical, results-oriented mindset drives every facet of our legal representation. We are laser-focused on working towards the best possible solution for each client.
