Category: Unum Appeals

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. […]