If you find yourself facing a denial from Unum for your long-term disability claim, understanding the UNUM Disability Appeal process becomes crucial in reclaiming your rightful benefits. Unum, one of America's largest insurance companies, has faced nationwide investigations into alleged unfair practices, particularly wrongful claim denial. In this article, we will guide you through the appeals process and provide valuable insights to help you effectively challenge the denial.

Understanding the Types of Disability

Before delving into the appeals process, it is essential to have a thorough understanding of Unum's disability coverage. Unum's policies cover a wide range of disabilities, broadly classified into two categories:

1. Physical Disability: This category includes conditions that impair a person's physical functionality, mobility, dexterity, or endurance. It encompasses various conditions, from spinal cord injuries and musculoskeletal disorders to respiratory and cardiovascular diseases.
2. Mental Health Disability: The second category includes conditions that affect a person's cognitive processes, emotions, behavior, and overall mood. It encompasses conditions such as depression, anxiety disorders, bipolar disorder, and post-traumatic stress disorder (PTSD).

Each disability type presents its unique challenges when initiating a claim or appeal.

Unum's Disability Insurance Policies

Unum offers long-term disability insurance policies through various group companies, including Paul Revere and Provident. These policies aim to provide financial support in the event of a disabling illness or injury that prevents you from working. However, many policyholders have experienced claim denials by Unum without sufficient grounds.

Reasons for Claim Denial

There can be various reasons for Unum to deny your disability claim. Some common reasons include insufficient medical evidence supporting your disability and restrictions, the opinion of medical or vocational experts hired by Unum stating that you are not truly disabled, or policy exclusions for your specific medical condition. It's crucial to remember that a denial letter from Unum may be incomplete, misleading, or outright wrong, and it should not be accepted at face value.

The Unum Disability Appeal Process

If your disability claim has been denied by Unum, you have the right to appeal this decision. The Unum Disability Appeal process involves several key steps:

1. File an Appeal: You have 180 days from the receipt of the denial letter to file an appeal with Unum. It is advisable to draft a detailed appeal in writing, preferably with the assistance of an experienced long-term disability attorney.
2. Review and Evaluation: Unum will review your appeal, and they have up to 45 days to make a decision. In some cases, they may request an additional 45-day extension.
3. Issuance of Decision: After reviewing your appeal, Unum will issue its decision regarding your claim.

Strengthening Your Unum Disability Appeal

To increase your chances of a successful Unum Disability Appeal, it is crucial to compile and present persuasive evidence. This evidence may include:

• Comprehensive Medical Records: Gather all relevant medical examinations, treatments, and notes from your doctor. It can also be beneficial to have your physician write a detailed letter outlining your condition and its impact on your ability to work.
• Personal Narratives: Craft a thorough description of your daily life, emphasizing the constraints and challenges you face due to your disability. This narrative can help illustrate the reality of your situation.
• Testimonials: Statements from friends, family members, and colleagues can provide additional perspectives on your condition and its effect on your life.
• Reports from Vocational Experts: These reports can offer an unbiased assessment of your capacity to work, taking into account your medical condition, educational background, skills, and labor market factors.

Choosing the Right UNUM Disability Appeal Attorney

Contesting a denial from Unum can be a daunting and stressful ordeal. However, with a thorough understanding of the appeals process and the right legal representation, you can navigate the Unum Disability Appeal process more effectively. Consult with an experienced long-term disability attorney who can guide you through the complexities and help you build a strong case.

Remember, you have the right to fight for your rightful benefits, and you don't have to face it alone.