Unum Denied Your Disability Claim?
Eric A. Shore – Specialized Unum Disability Attorney | Best Lawyers in America® | Fighting Unum’s Tactics for 30+ Years
⚠️ Critical Unum Appeal Deadline: 180 Days
Unum gives you only 180 days from your denial letter to file an appeal. Miss this deadline and you may lose your right to challenge their decision. Contact us immediately for a free consultation about your Unum claim.
Understanding Unum Long-Term Disability Claims
Unum is one of the largest disability insurers in America, handling thousands of long-term disability claims annually. Their claims review process involves multiple departments and specialists who evaluate medical evidence, vocational factors, and policy terms.
30+
Years of experience with Unum disability claims
Licensed in Pennsylvania and New Jersey, we handle Unum long-term disability cases throughout all 50 states. Our extensive experience includes understanding Unum’s claim review procedures and appeal processes.
Common Unum Claim Review Factors (And How We Address Them)
Medical Record Analysis
Unum reviews all medical evidence in your file. We help ensure your complete medical picture is presented, working with your treating physicians to provide comprehensive documentation.
Independent Medical Examinations
Unum may request examinations by their contracted physicians. We help you understand the process and ensure your medical history is accurately conveyed.
Surveillance Investigations
Unum may conduct activity investigations as part of their claim review. We help explain how daily activities relate to your specific occupational requirements.
Vocational Analysis
Unum evaluates your ability to perform your occupation or other work. We work with vocational experts to provide accurate job analyses and transferable skills assessments.
Job Duty Interpretation
Unum analyzes your specific occupational demands. We help obtain detailed job descriptions that accurately reflect your actual work responsibilities.
Physician Contact Reviews
Unum staff may contact your treating physicians for clarification. We work with your doctors to ensure clear communication about your limitations.
How We Handle Unum Appeals (The Right Way)
Day 1: Immediate Action
We request your complete Unum claim file immediately. Unum creates extensive files with internal reviews – we need every page to build your appeal.
Weeks 1-4: File Analysis
Our team dissects Unum’s denial letter and internal files, identifying every flaw in their reasoning and evidence they ignored or mischaracterized.
Weeks 2-8: Evidence Gathering
We work with your doctors to obtain detailed reports that directly refute Unum’s medical reviewers. We may arrange independent medical exams and vocational evaluations.
Weeks 6-12: Strategic Appeal
We draft a comprehensive appeal that systematically demolishes Unum’s denial reasons, presents powerful new evidence, and demands reinstatement of your benefits.
The Evidence Unum
Doesn’t Want You to Have
Beating Unum requires specific types of evidence they hope you won’t obtain:
Whistleblower Qui Tam
Unum & Social Security Disability:
Working Together
Required Social Security Applications
Unum typically requires claimants to apply for Social Security Disability Insurance (SSDI). We handle both your Unum claim and your Social Security application simultaneously.
Offset Benefits Strategy
When you win Social Security benefits, Unum reduces their payments (called an "offset"). We help coordinate both claims to maximize your total monthly benefits.
Attorney Fee Reimbursement
In many cases, we've successfully obtained reimbursement from Unum for Social Security attorney fees. This benefit isn't automatic - it requires proper legal advocacy.
Coordinated Medical Evidence
The same medical evidence supports both claims. We ensure your documentation meets the requirements for both Unum and Social Security Administration review.
Important: Having both a Unum claim and Social Security case requires careful coordination. The outcome of one can affect the other, and the medical evidence requirements may differ.
Unum & Social Security Disability:
We specialize in fighting all major disability insurers:
Our Experience with Unum Long-Term Disability Claims
- Extensive Unum Experience: 30+ years handling Unum disability claims and appeals
- Best Lawyers Recognition: Peer-voted recognition for excellence in disability law
- Dual Representation: Handle both Unum claims and related Social Security disability cases
- Attorney Fee Recovery: Successfully obtained Unum reimbursement for Social Security attorney fees
- Licensed in PA & NJ: Representing Unum claimants nationwide for long-term disability cases
- No Upfront Fees: Contingency fee representation – no attorney fees unless we recover benefits
- Comprehensive Understanding: Familiar with Unum’s policies, procedures, and appeal requirements
Get Help with Your Unum Disability Claim
If Unum has denied your long-term disability claim or you need help with the application process, contact our experienced disability attorneys for a free consultation.
Remember: Unum appeals must be filed within 180 days of your denial letter
Licensed in PA & NJ | Representing clients nationwide | No Win, No Fee
