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Unum Claims Denial

New Jersey Unum Claims lawyer

New Jersey Unum claims lawyer - Michael QuiatIf you want to pick out the biggest and baddest of the disability income insurance companies, then Unum should be at the top of your list. Unum is the largest disability income insurance carrier in the US, and they have a long history of denying disability claims. If you have a long term disability policy with Unum, then you should contact a New Jersey Unum claims lawyer immediately!

For all disability claims, an experienced and aggressive New Jersey Unum claims lawyer who WINS against UNUM is a MUST

The truth of this statement was recently demonstrated when Mike Quiat was able to convince Unum that the denial of disability income benefits to a client with severe loss of vision caused by optic nerve damage was not caused by “loss resulting from either or both eyes,” which was an exclusion in the client’s policy. For more details on this case, see Mike’s blog.

Unum has a well-deserved reputation for stonewalling disability claims to the bitter end. Frequently, the disability income claim denial tactics used by Unum and its affiliated companies are highly questionable, even though the company knows the consequences a long-term disability claims denial will have on the policy holder. In addition to being sick or injured at the time the claim is made, the claimant is earning nothing to support him or her and their family.

A major reason why Unum is able to get away with denying valid disability claims is because of what many disability carriers call the “wimp” factor. This means that Unum knows a substantial percentage of their potential claimants will be too timid to appeal their claims when they’re faced with a denial. Failing to press claims means lining Unum’s pocket with extra money.

Unum claims lawyers are not the only people to see these gross injustices. A Nevada Federal District Court judge also unleashed his fury onto Unum and its wholly owned subsidiary, the Paul Revere Life Insurance Company, when they failed to approve an obviously valid claim. In this disability claims insurance case, the court awarded a plaintiff more than $26 million in punitive damages against Unum and allowed another $36 million in punitive jury damages to stand against Paul Revere.

Merrick v. Paul Revere Life Insurance Company

After a thorough review of the evidence in the case, the Nevada Court found in the Merrick v. Paul Revere Life Insurance Company case that Unum had been engaged in highly reprehensible conduct in order to boost its own profits, had intentionally set its sights on the financially vulnerable, and was thereby endangering the health and welfare of the policyholder and his family. The judge further concluded that Unum had repeatedly engaged in the same type of conduct toward its policyholder and others when the policyholder was at a low point in his life.

In the 39-page blow-by-blow court discussion of the methods Unum used to avoid paying benefits due under its disability income policy, the Court concluded that Unum had concocted a corporate scheme in order to boost profits at the expense of its policyholders.

Deny, Deny, Deny

It can be a tough battle for a policyholder to protect himself or herself against a disability insurer once the insurer denies the disability claim. One of the only ways to handle such a campaign of deny, deny, deny is to retain a veteran disability claims attorney with years of experience in disputing with Unum. There is simply no substitute when fighting against insurance companies who say “no” to disability income claims. For these situations, Mike Quiat is the go-to attorney to get the job done right.

UQU&R has plenty of company experience when it comes to combating Unum tactics. Unum’s history of claims denials triggered the wrath of 49 States in 2004, alone. These 49 states retaliated by conducting a national insurance probe which ended with Unum paying a $15 million fine and agreeing to reconsider 215,000 denied Unum disability claims.

Questionable long-standing Unum practices cited by the States were low-balling settlement offers to Unum claimants, claiming that the disabling conditions were preexisting. They also supposedly lost important paperwork and reports submitted by claimants, in addition to having policyholders examined by less than impartial Unum-hired physicians.

Also, it should be known to anyone with an established long-term disability claim with Unum and its associate companies that the companies are now struggling for cash. To conserve money, they are buying out disability claims and negotiating settlements on terms that are beneficial to them, but not beneficial for claimants. A beneficiary of such a settlement needs to retain a New Jersey Unum claims lawyer who knows the insurer’s tricks to assist the claimant through the complicated details of a buyout. After all, these beneficiaries want to be certain that they are going to get a fair payout in return for giving up their claim. All disability income buyouts have a slew of different policies to be understood and negotiated before a claimant should say anything.

Contact Our New Jersey Unum Claims Lawyer

Mike Quiat is an attorney with plenty of buyout experience. He has had a variety of cases with Unum companies in which he successfully fought the denial of disability income benefits involving physical injuries, illnesses, depression, and other psychiatric disabilities, as well as fibromyalgia and a host of other disabling maladies due to the nature of the claimant’s occupation.

Unum, formerly known as UnumProvident Insurance, has several affiliated companies which also sell disability income polices. Among them are:

  • Unum Life Insurance Company of America
  • Paul Revere Life Insurance Company
  • First Unum Life Insurance Company
  • Provident Life and Accident Insurance Company
  • Provident Life and Casualty Insurance Company
  • Colonial Companies

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What Our Clients Say

  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

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  • TOP OF THE LIST OF ATTORNEYS Mr. Quiat responded to all of my phone calls and emails in a timely manner. Mr. He is very […]

    ~ Insurance Client

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  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

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  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

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  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

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  • WE NEVER HAD TO GO TO COURT Mr. Quiat took over the case, and, due to a combination of his meticulous attention to detail in […]

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  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew […]

    ~ Arbitration Client

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  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

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  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but […]

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  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

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  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

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  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

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  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

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  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

    ~ Arbitration Client

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  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

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    unum disability claims
unum claims New York ERISA Attorney

Professional Affiliations

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  • unum claims
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