A New Jersey Unum claims lawyer may be able to help you if you were denied long-term disability. Unum is one of the largest insurance companies in America, and it is also known for its frequent claims denial practices. In fact, Unum has been investigated numerous times for denying rightful claims made by its policyholders. Insurance companies are operating with their executives ad investors in mind rather than the well-being of their policyholders. This means that if you are denied unfairly, you may qualify to appeal that decision.
Disability Insurance Denial and Bad Faith
All insurance companies are legally obligated to act in good faith and fair dealing with their policyholders. If your insurance company does not act in good faith, you may be able to file a bad faith claim against it. The unfair pattern of insurance claim denial that Unum has exhibited demonstrates a lack of accountability to its policyholders throughout the country.
Common Reasons for Denial
Unum may claim that you failed to disclose a pre-existing health condition before signing up for your policy or that you had insufficient medical examinations to determine and support a condition. Your claim may also be rejected if there were issues with your documentation or Unum paperwork. In other cases, Unum may deny that your disability is a covered condition, even if it was previously determined to be one. Unum also considers some procedures elective even when they are ordered by a doctor. While the company CEOs become wealthier, Unum continues to deny the claims of those who have invested in their long-term disability insurance policies. Facing denial could mean paying out-of-pocket for extreme medical bills and result in financial distress.
Disability Insurance Denial Options
Once your Unum long-term disability claim has been denied, it is important to remember that you still have options. Each state has some form of bad faith laws that ban insurance companies from dealing unfairly with policyholders. Unum has a large legal team with significant resources to challenge complaints filed against it, so having an experienced attorney on your side is the best way to ensure that your appeal is given the attention it deserves. A lawyer may be able to assist you as you file an appeal and pursue the benefits to which you are entitled. If you believe that your long-term disability benefits have been denied through no fault of your own, you can take action by contacting an attorney that is experienced in dealing with disability claims denials. Unum may have a reputation for unjustly rejecting claims, but there is still legal recourse for policyholders to obtain the coverage they deserve. In some cases, you may be able to obtain compensation for your medical expenses, long-term care and legal costs associated to going to court against Unum. It is important to remember that there is generally a limited window of time in which to file a claim.
Contact a New Jersey Unum Claims Lawyer
Contact Uscher, Quiat, Uscher & Russo, P.C. today at (800) 797-5575 for assistance from a New Jersey Unum claims lawyer you can trust.