We do not handle social security disability claims
Over $250 Million Recovered for Our Clients

Disability claims are denied for many different reasons, but Unum insurance has a reputation for wrongfully denying disability claims. Unum has been criticized on national news, been involved in class action lawsuits, and been sued by insurance commissioners in several states and by countless individual claimants. The company has paid out millions in fines, acknowledged wrongdoing, and agreed to restructure its claims process and review hundreds of thousands of denied claims. UNUM Disability Claim Denial attorney Justin Frankel have successfully fought back to get retroactive and current benefits for Unum disability policyholders when their claims have been denied. They are familiar with the tactics used by Unum to deny claims. Here’s what you need to know about Unum Disability Claims: If your claim is denied, you need an experienced disability lawyer who has gone toe-to-toe with Unum. The claims process is stacked against you and trying to go it alone is risky. Consider the difference it will make for you and your family if you are being paid your rightful disability benefits or not. If UNUM has asked you to provide more and more information, from personal financial statements to business records to medical records, your claim is being delayed. This is a tactic used to discourage claimants. Unum is counting on you giving up. If UNUM denies your claim despite receiving medical records clearly proving that you are not able to perform the tasks of your occupation, do not simply send another set of the same records. There are strict limits on how long you have to file an appeal. Call our office at 888-583-4959 to learn more. Here’s a note we received from a grateful client whose claim was denied by UNUM:Thank you so much for your advocacy for over two years to get me the retro and future benefits owed to me by Unum.You hung in there and spoke for me when I was too tired to fight them myself.This is life-changing for me – and will help to make my future financial safe.Thank you,S***** UNUM uses surveillance methods to gather information to deny claims and build its case against you. Adjusters work with private investigators who monitor your activities. It’s inexpensive to park a car and install a video camera to monitor your comings and goings. And if you’re active on social media, it’s even easier to know what you are doing, how you are feeling and who your friends are. Yes, it’s creepy – – but it’s also easy and inexpensive for the insurance company to do, especially if you’re providing the information voluntarily. Unum is the largest provider of disability insurance income in the world. Over the last twenty years, it has purchased many other insurance companies and as a result, its portfolio includes policies that are seen internally as liabilities. The best way to contain these “legacy” or “closed block” products is to deny benefits. Unum Group’s corporate profile says it all: “Its primary businesses are UNUM US, Colonial Life and Unum International, as well as a closed block of products that are still serviced, but not actively marketed.” We believe this sentence accurately reflects a company policy on denying “legacy” or “closed block” claims. In 2002, the investigative news show 60 Minutes managed to get several claims representatives from Unum’s Chattanooga, Tennessee office to speak on camera about the company’s practice of offering bonuses and incentives for claims representatives to deny disability benefits. This practice is part of a corporate culture, not the actions of a few rogue employees. The systemic policies were the reason for one of the class action lawsuits. There is no bad faith claim in disability insurance, so there is no penalty when a claim is wrongfully denied. Unlike a plaintiff’s case, where a court may award treble damages and set a price on pain and suffering, the only thing an insurance company has to worry about is the cost of staff to deny a claim or process an appeal. There’s no exposure for the company, but for claimants who are denied the benefits, everything is at risk– their home, savings, and lifestyle. Call our office today at 888-583-4959 and find out how we can help. This is one fight you don’t want to take on your own. With the Law Office of Justin Frankel, you don’t have to.

Justin C Frankel

Written By Justin Frankel

Attorney

Justin C. Frankel is committed to fighting for the rights of clients when their long term disability insurance claims have been denied, delayed or terminated.


Client Testimonials

Rating stars 5.0 Average on Martindale & AVVO
  • We know how important our work is to the people we represent, and we’re pleased to share this recent note from a client. Dear Justin and Christina, I wanted to take a moment to express my sincere g…
  • Our 60-year-old client worked for the world’s largest out-of-home advertising company as a Senior Buyer and outdoor furniture supplier, doing everything necessary to manage a contract for twenty ye…
  • Successful ERISA Appeal of Cigna Denial for High-Ranking Aviation Executive from Florida A 61-year old woman with a prestigious role at a leading aviation company never imagined she would stop work…
  • ERISA Case Headed to Trial in Federal Court – Barber v. Sun Life & Health A Federal Judge in Connecticut has scheduled a trial with live witnesses in an ERISA case, to be decided under the arbi…
  • F&N Resolves a Four Year Delay in UNUM Lump Sum Settlement Matter We were contacted by a 56 year-old man from Maryland who had been trying to negotiate a lump sum settlement of his private disa…
  • Our client, a successful New York dentist, was on claim for a number of years with Trustmark Insurance, due to severe orthopedic issues, which did not permit him to safely and effectively practice …
  • “OK, now that I have had a chance to calmly review the documents, I just wanted to thank you for all of your help. I am certain that if I would have tried to do this myself, I would not have had th…
  • The Law Office of Justin Frankel Navigates Complex Issues, From Claim Preparation to Lifetime Management, for Chiropractor A New York chiropractor in his mid-50s was concerned about complex issues …