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 […]

Facing a Unum disability claim denial is frustrating and overwhelming, especially when you’re already dealing with health challenges and financial stress. You might be wondering: Can I appeal a Unum denial without a lawyer? The short answer is yes, you can—but it’s a risky path that could jeopardize your chances of success. Unum is a […]

Receiving a denial for your Unum disability insurance claim can feel like a punch to the gut, especially when you’re already navigating health challenges. Unum, one of the largest disability insurers in the U.S., is notorious for denying valid claims using complex policy language, selective evidence, and procedural hurdles. But a denial isn’t the final […]

Unum Appeal Process Explained Before diving into strategies, it’s crucial to understand the appeal process. If Unum denies your LTD claim, you have the right to appeal, typically within 180 days for ERISA-governed policies. This appeal is often your only chance to submit new evidence before pursuing legal action. A 2004 multi-state settlement forced Unum […]

When your Unum long-term disability (LTD) claim is denied, the appeals process becomes a critical step in securing the benefits you deserve. One of the most common questions policyholders ask is, “How long does a Unum appeal take to process?” Understanding the timeline and what influences it can help you prepare effectively and manage expectations. […]