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UNUM Disability Denials and How to Fight Back

At The Law Offices of Jonathan M. Feigenbaum, we specialize in providing comprehensive legal assistance in matters related to ERISA law and insurance companies, particularly UNUM. Our team of highly proficient attorneys is dedicated to helping individuals and beneficiaries navigate the complex landscape of ERISA regulations and insurance claims. In this article, we aim to shed light on the intricacies of UNUM insurance and ERISA law, empowering you with the knowledge you need to make informed decisions.


Introduction to UNUM Insurance Company:

UNUM is a prominent insurance provider that offers a wide range of insurance products, including disability insurance, life insurance, long-term care insurance, and more. They have served policyholders for many years and have gained a reputation in the industry.


What is ERISA Law?

The Employee Retirement Income Security Act (ERISA) is a federal law that establishes minimum standards for certain employee benefit plans, including health insurance, disability insurance, retirement plans, and others, to protect the interests of plan participants and beneficiaries. ERISA sets guidelines for plan administration, disclosure of plan information, and fiduciary responsibilities of those managing the plans.


The Intersection of UNUM Insurance and ERISA Law

When it comes to insurance claims related to long term disability, it is essential to understand the intersection between UNUM insurance policies and ERISA law. Many employer-sponsored disability plans are governed by ERISA regulations, and UNUM is often the insurer for these plans.


Filing a UNUM Disability Claim Under ERISA

If you are covered under an employer-sponsored disability plan provided by UNUM, and you become unable to work due to a disability, you have the right to file a claim for disability benefits. It is crucial to adhere to the specific procedures outlined in your plan’s summary plan description (SPD) to ensure a smooth claims process.

Here are the general steps involved in filing a UNUM disability claim under ERISA:


  1. Notify UNUM: Inform UNUM about your disability and the need to file a claim for benefits. You may need to provide medical evidence to support your claim.


  1. Gather Medical Documentation: Obtain comprehensive medical documentation from your healthcare providers, including medical records, test results, and any relevant treatment plans.


  1. Complete Necessary Forms**: UNUM will provide you with claim forms that you must fill out accurately. Ensure that all required information is provided to avoid delays in processing.


  1. Review Your Plan’s Terms: Familiarize yourself with the terms and conditions of your disability insurance policy. Pay attention to exclusions, waiting periods, and any other relevant details.


  1. Submit Your Claim: Send your completed claim forms and supporting documents to UNUM within the specified timeframe.


Understanding ERISA’s “Full and Fair Review” Process


ERISA mandates that insurance companies, including UNUM, must follow a “full and fair review” process when evaluating disability claims. This process ensures that claimants have the opportunity to appeal denials and present additional evidence to support their case.

If UNUM denies your disability claim, they must provide you with a written explanation detailing the reasons for the denial and the appropriate steps for filing an appeal. The appeal process can be complex, and having legal representation can be beneficial to strengthen your case.


The Importance of Legal Representation

Navigating the intricacies of ERISA law and dealing with insurance companies like UNUM can be challenging, especially when you are coping with a disability. Having experienced legal representation on your side can significantly improve your chances of a successful disability claim or appeal.

At The Law Offices of Jonathan M. Feigenbaum, we understand the complexities of UNUM insurance and ERISA law. Our team of dedicated attorneys is committed to providing you with the guidance and support you need throughout the disability claims process. If you require assistance with your UNUM disability claim or appeal, don’t hesitate to reach out to us for a consultation.


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