Category: Blog

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 […]

Objective evidence is based on unbiased, quantifiable, and independently confirmed factual evidence. Subjective evidence is based on opinion and self-reporting. When suffering a disability and looking to file a short or long-term disability claim, your insurance company may want to see more objective evidence than subjective information. People ask, is that the only way to […]

The Daily Journal released its list of the Top 35 Healthcare Attorneys in California for 2020 and Frank N. Darras, founder of DarrasLaw, was honored among them. Mr. Darras was highlighted for his tireless work representing policy holders with long term disability insurance claims throughout the country. His insight into the ongoing COVID-19 pandemic was […]

Google and the Internet are making it easier for healthcare consumers to access virtual medical options, which is crucial at a time when shelter in place orders are keeping hundreds of millions of people indoors. Searches and maps have been made available by Google which is also working to help doctors get up to speed […]

In fall 2019, a federal judge ruled that members of the United States Women’s National Soccer Team could sue their employer, the United States Soccer Federation, as a “class” of similarly situated individuals who have experienced gender discrimination in pay and working conditions. More recently, U.S. Soccer tried to justify the pay gap by claiming […]

The benefits packages of American workers frequently include group coverage for long-term disability. If a worker sustains a disabling injury or develops a sickness that renders them unable to perform the important duties of their occupation, or in some cases, any occupation by which they are trained, educated, or suited, taking into consideration their station […]