Category: Unum Appeals

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. […]