What Are Common Tactics Unum Uses to Deny or Delay Disability Benefits?
Unum is one of the largest disability insurance providers in the U.S., but their size comes with a long history of claim denials and delay tactics that can leave policyholders frustrated and financially vulnerable. From requesting excessive paperwork to using surveillance footage out of context, Unum often employs aggressive strategies to protect its bottom line.
In this post, we break down the most common denial and delay tactics Unum uses to deny or delay disability benefits, how these strategies affect claimants — and how you can protect yourself when facing one of the most challenging moments of your life.
Requesting Repetitive or Unnecessary Documentation
One of Unum’s go-to delay tactics is repeatedly asking for medical records, forms, and updates that you or your doctors have already provided. This paper chase not only slows down the review process, but it can also lead to missed deadlines or “incomplete” files — both of which Unum may use as grounds for denial.
Red flag to watch for: If Unum keeps asking for the same information or claims they never received documentation, it may be a stalling technique.
Selective Use of Medical Evidence
Even when medical evidence clearly supports your disability, Unum may selectively interpret it or focus only on parts of your record that support a denial. For example, if one note mentions a “good day” or mild improvement, they may ignore the broader picture of ongoing limitations or chronic pain.
This tactic is especially common when Unum employs in-house medical reviewers who never actually examine you but claim your condition isn’t severe enough to warrant benefits.
Sending You to Biased Independent Medical Examinations (IMEs)
Unum often requests that claimants attend Independent Medical Examinations, or IMEs, supposedly to gain a neutral assessment of their condition. However, these exams are rarely independent. The doctors are paid by the insurer and frequently generate reports that support denial of benefits.
Tip: Always document the IME and consider bringing a witness. A disability lawyer can prepare you for what to expect and challenge the results if they’re misleading or biased.
Conducting Video Surveillance and Online Monitoring
Unum is known to use surveillance tactics to catch claimants engaging in activities that supposedly contradict their disability claims. This may include hiring private investigators or reviewing your social media posts and photos. Unfortunately, even innocent actions—like attending a family gathering or walking your dog—can be misrepresented to support a denial.
If you’re filing a claim with Unum, assume you’re being watched, and be mindful of what you share publicly.
Using Vague Policy Language to Their Advantage
Unum policies often contain complex and vague language about what constitutes a “disability,” how long benefits last, or what medical evidence is considered “sufficient.” They may interpret terms like “own occupation” or “any gainful employment” narrowly to argue that you can still work, even if your condition prevents you from doing your actual job.
Legal support can help you interpret your policy correctly and challenge unreasonable interpretations.
Ignoring Treating Physician Opinions
Your treating physician knows your condition best, but Unum may downplay or outright reject their findings in favor of their own medical reviewers — many of whom have never seen or spoken to you. This undermines the credibility of your medical history and can lead to unjust denials.
Federal courts have frequently criticized this practice, especially when insurers fail to give proper weight to consistent, well-supported medical opinions from treating doctors.
Sudden Termination After Initial Approval
Another frustrating tactic is terminating benefits months or even years after approving the claim, often without significant new medical evidence. Unum may claim “medical improvement” based on outdated IMEs or surveillance footage, even when your doctors confirm your condition is unchanged or worsening.
Claimants in this position often feel blindsided, especially after building their lives around receiving benefits.
Offering Lowball Settlements to Close Claims
In some cases, Unum may offer a one-time lump sum settlement to close your claim early. While this might seem tempting, these offers are often far lower than the total value of your remaining benefits. Without legal guidance, you could leave thousands—or more—on the table.
Why Legal Experience Matters When Dealing With Unum
These tactics aren’t just frustrating — they’re strategic. Insurance companies like Unum are for-profit businesses that have a financial interest in denying or minimizing payouts. The good news is, you don’t have to fight them alone.
An experienced disability attorney who has handled Unum cases can:
- Review your policy and determine your rights
- Build a robust appeal with strong medical and legal evidence
- Push back against bad faith tactics and unreasonable delays
- Represent you in court if Unum refuses to pay what you’re owed
Unum’s delay-and-deny tactics are not just inconvenient — they can jeopardize your financial security and peace of mind at a time when you need support the most. If your long-term disability claim has been denied or delayed, you deserve a legal team that knows how to fight back and win.
How Darras Law Can Help
At Darras Law, we’ve spent decades standing up to Unum and other major disability insurers. Our team has recovered millions of dollars in wrongfully denied benefits for clients nationwide. We know how Unum operates, and we don’t back down. Whether you’re preparing an appeal, facing surveillance, or considering litigation, our Unum denial attorneys bring the experience, strategy, and relentless advocacy you need on your side.
We’ll review your claim at no cost, identify weaknesses in Unum’s denial, and develop a personalized legal approach aimed at getting you the benefits you rightfully deserve. From initial consultation through resolution, Darras Law will fight to protect your rights, your livelihood, and your future.