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. […]

Unum is a major provider of short- and long-term disability insurance in the United States. However, the company is also well-known for aggressively denying claims—sometimes even when the evidence of disability is strong. If you’ve received a denial letter from Unum, you may feel frustrated and unsure of what to do next. The good news […]

Unum is one of the largest providers of disability insurance in the country, offering both short-term and long-term coverage. However, it has also gained a reputation for frequently denying valid claims, often leaving claimants frustrated, confused, and financially strained. If your disability claim has been denied by Unum, you’re not alone. Thousands of policyholders face […]

Receiving a denial letter from Unum for your long-term disability claim can be both frustrating and overwhelming. Unfortunately, Unum is well-known for denying valid disability claims — often relying on vague language, selective medical interpretations, and procedural loopholes. But a denial is not the end of the road. You have the right to appeal, and […]

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. […]

By Frank Darras (May 6, 2024) For years, there have been plenty of reasons why fans, athletes and stakeholders have had special disdain for the National Collegiate Athletics Association and its draconian policies. Books have been written on how the NCAA has unfairly limited college players’ rights for nearly a century. However, since the U.S. […]

Frank Darras Cited in Law 360 Article: “…rarely do I see someone from a college or a university that’s in tune with how Draconian and difficult the application is,” Darras said. “Think about it: Is a college junior or senior ready to look at a 50-question,very pointed application asking about detailed health history since they […]

The Los Angeles Daily Journal published its list of the Top 30 Healthcare Lawyers in California and for the 3rd consecutive year, Frank N. Darras was named to the list. Mr. Darras is a fierce advocate for people battling insurance companies, specifically long term permanent and whole disability claims. People who’ve suffered some sort of […]