Unum is one of the largest disability insurance companies in the United States, providing both short-term and long-term disability coverage to millions of employees. While many policyholders receive the benefits they are entitled to, a significant number of people end up suing Unum after their disability claims are denied, delayed, or mishandled. If you are […]

If you’re considering challenging a denied disability claim from Unum, one of the most important things to understand is whether your case falls under ERISA (the Employee Retirement Income Security Act of 1974). ERISA governs most employer-provided disability insurance plans, including many Unum policies. But ERISA claims are not like ordinary lawsuits—they follow unique rules […]

If you’ve filed a disability claim with Unum and are wondering whether it’s covered by ERISA (the Employee Retirement Income Security Act of 1974), you’re asking an important question. Whether or not your claim falls under ERISA will impact your rights, the legal process, and your chances of successfully appealing a denial. Because Unum is […]

If you’ve filed a disability insurance claim with Unum and it was denied, delayed, or mishandled, you may be wondering whether you have legal grounds to take action. Unum is one of the largest disability insurers in the U.S., and while many claims are paid fairly, the company has a long history of disputes over […]

When discussing long-term disability insurance and bad faith claim practices, you may come across the term “Ian’s Law.” This law highlights the dangers of insurance companies arbitrarily canceling or limiting coverage—and it has a direct connection to how insurers like Unum have handled disability claims in the past. What Is Ian’s Law? “Ian’s Law” refers […]

When it comes to disability insurance, one of the most important distinctions you’ll encounter is the difference between “own occupation” and “any occupation” coverage. Understanding these terms can directly affect whether you qualify for benefits, how long your benefits last, and ultimately, your financial security if you’re unable to work due to illness or injury. […]

Unum is one of the largest providers of disability insurance in the United States, but it also has a reputation for aggressively scrutinizing claims. Many policyholders are shocked to learn that despite paying premiums for years, their claim is denied when they need benefits most. Understanding the common reasons Unum gives for denying claims can […]

Why Do People Sue Unum? Unpacking the Reasons Behind Long-Term Disability Lawsuits Every year, thousands of individuals unable to work due to medical conditions file for long-term disability benefits. For those insured by Unum, a leading disability insurance provider, this process can turn into a daunting struggle. Despite its prominence, Unum has faced criticism for […]

Receiving a final denial from Unum after appealing a disability insurance claim can be devastating, especially when you’re counting on those benefits to support yourself and your family. Unum, a leading disability insurer in the U.S., is known for its aggressive denial tactics, often leaving policyholders feeling helpless. But a denied appeal doesn’t have to […]