If your disability benefits were denied, reduced, or unexpectedly terminated by The Standard Insurance Company, you may be wondering whether you have a valid case. Insurance disputes can be complex, but understanding the key warning signs of an unfair denial—and knowing what evidence matters—can help you take informed action. Common Signs You May Have a […]

The Standard is a nationally recognized insurance provider, offering life insurance, disability insurance, and retirement plans to millions of policyholders. While many clients have positive experiences, some encounter difficulties that lead them to pursue legal action. Understanding the primary reasons behind these disputes is crucial for policyholders and anyone considering a claim. Denial of Disability […]

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 […]