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Waiting on Unum Claims
1March 16

Waiting on Unum Claims

Unum denied disability claimsYou have Unum denied disability claims. Before the denial, you played the Unum waiting game. Watching your mail box and waiting for your disability benefits to arrive so you can pay bills and put food on the table. It seems like it took forever for the notice to arrive and when it did, you received the disappointing news of the Unum claim denial. The attorneys at Uscher, Quiat, Uscher & Russo, P.C. have heard the disappointment from many clients regarding Unum denied disability claims. Most folks want to know what happened and how to fix what seems broken. Staff at Uscher, Quiat, Uscher & Russo, P.C. can help. They firmly believe an aggressive and experienced attorney is necessary to win against a big company like Unum. Unum is an insurance company with a particular bad reputation for denying disability claims. All is not lost, however, when you have a lawyer on your side to rescue you from the paperwork involved in the appeals process. Here are a few common questions about Unum and their processes:

How will I be notified when my disability benefits end?

Unum’s policy requires claim handlers to call before benefits are denied and then to send a written notice. Since calling claimants is a delivery method uncomfortable to many representatives, most insurance handlers in general just mail out a written notice. As you can imagine most people will not receive the severance of benefits or denial news very well so many Unum claims handlers simply skip the calling in person step.

Have my benefits been denied if I do not receive my benefits check on the day I expected?

Do not panic if your Unum benefits check is late. In most cases, checks arrive late due to a holiday when offices close down and mail carriers are off work or because a claims representative took time off without approving benefits before leaving.

Will Unum deduct items such as a private pension from my long term disability benefit?

Claimants are encouraged to check their group Long Term Disability Plan under “other monthly income” to see if such deductions will occur. If the policy is unclear to a claimant, they should speak with their employer or an experienced attorney to gain better understanding.

Are disability offsets “bad”?

“Bad” is not an appropriate word to describe disability offsets. Claimants need to educate themselves about their policies beforehand and ask their employer or an attorney if they have questions. It’s important for claimants to review their Long Term Disability plan including the plan’s Summary Plan Description (SPD) and Certificate Booklet to discover any offsets that may be expected of them.

Contact a Unum Claim Denials Attorney

Unum knows most people who are denied their disability claim will do nothing to overturn the decision because the process is complicated and seems like an uphill battle. This is called the “wimp” factor in the insurance world. You do not have to fear or go at it alone. Contact an experienced Unum claim denials attorney at Uscher, Quiat, Uscher & Russo, P.C. by phone at 800-797-5575.

 

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