What Can I Do if Unum Group Denies My Incapacity Declare?

If Unum Group has denied your insurance coverage declare, Donahue & Horrow is able to battle for you. We’re a Los Angeles-based legislation agency that has received in opposition to Unum Group, a corporation that’s infamous for treating policyholders unfairly by denying their long-term incapacity insurance coverage, life insurance coverage, or long-term care claims

Denied Your UNUM insurance claim? Donahue & Horrow LLP can help

Our main focus has been and can at all times stay our shoppers. We perceive it may be daunting staring down such a big group, however we now have the expertise and monitor report of conserving insurance coverage giants like Unum Group sincere and convincing them to pay policyholders what’s rightfully theirs. 

Name us right this moment at 877-664-5407 for those who consider Unum Group has handled you unfairly or unethically by wrongfully denying your insurance coverage declare. 

Unum Group Techniques In Denial of Incapacity Insurance coverage Claims

When firms attain the scale of Unum Group, they typically lose sight of their clients and focus extra on conserving shareholders blissful and revenues and web revenue wholesome.

Unum Group and different giant insurance coverage organizations are infamous for following an identical playbook to disclaim or delay paying out incapacity and different insurance coverage advantages by:   

  • Issuing payouts which can be lower than what the policyholders had been entitled.
  • Utilizing Inadequate critiques of incapacity claims appeals.
  • Referring to biased physicians to assist bogus declare denials.
  • Ignoring the opinions of your main care doctor and specialists who assist your declare.
  • Arbitrary paying sure army beneficiaries and never paying out others. 

Unum Group and different insurance coverage firms typically attempt to “put on down” policyholders such as you within the hope that you’ll surrender fairly than battle on your advantages. If Unum Group has tried a number of of those ways on you, the corporate could also be making an attempt to fraudulently deny your insurance coverage declare by:

  • Making burdensome requests by requesting repeated documentation, duplicating the documentation you’ve already submitted.
  • Downplaying medical proof—together with goal and subjective information—to discredit your incapacity or your insurance coverage advantages entitlement.
  • Refusing to simply accept your physician’s opinion that you simply’re disabled and unable to return to work.
  • Requesting so-called “unbiased” medical critiques by unqualified physicians or people to evaluate your medical situation. 
  • Repeatedly delaying a call concerning your insurance coverage declare. 

Unum Group Received’t Wait to Deny Insurance coverage Claims. Don’t Wait to Struggle Again!

If Unum Group or one in all its subsidiaries has denied your insurance coverage declare, don’t wait to take motion. All insurance coverage claims have deadlines that have to be met for those who’re to have any hope of accumulating the insurance coverage advantages you’re owed. That is very true in case your declare is ruled by the Worker Retirement Earnings Safety Act (ERISA). Name us right this moment at (877) 664-5407. Our authorized crew will deal with you with the dignity you deserve whereas preventing relentlessly to safe the insurance coverage advantages which can be rightfully yours. 

Actual Examples of Unum Group Denying Claims

Unum Group has a protracted historical past of insurance coverage declare denial. The primary class-action lawsuit filed by policyholders in opposition to the corporate occurred in 2002, and in 2003, the group’s former CEO Harold Chandler was compelled to resign over the corporate’s claims insurance policies, which staff indicated had been carried out to assist the enterprise scale back prices. 

In 2005, California insurance coverage regulators fined Unum $8 million and demanded that the corporate change its state insurance policies to incorporate better client protections. The mandate additionally required Unum to reopen as many as 26,000 California incapacity instances for evaluate. California insurance coverage regulators additionally charged Unum with greater than 25 violations of state legislation.

Some notably damning quotes from the Los Angeles Instances and California Insurance coverage Commissioner John Garamendi learn like a textbook case for the way giant insurance coverage firms employe deny-and-delay ways in opposition to sincere policyholders like your self:

  • LA Instances: “…the corporate knowingly utilized the unsuitable authorized definition of incapacity in denying claims or ruling claimants had been ready to return to work, focused high-cost claims for denials to avoid wasting the agency cash, misused claimants’ medical information and even the opinions of in-house medical personnel to disclaim advantages and wrongly sought to file instances beneath a federal advantages legislation that severely limits claimants’ capability to efficiently sue their insurers.”
  • John Garamendi: “UnumProvident is an outlaw firm. It’s a firm that for years has operated in an unlawful vogue.” 

Unum Group’s controversial and unlawful enterprise practices didn’t finish in California. In 2008, Unum paid a $676 million settlement after an intensive examination of the corporate’s dealing with of incapacity claims by insurance coverage regulators throughout the nation.

About Unum Group – A Fortune 500 Group

Unum Group is a world insurance coverage supplier of incapacity and life insurance coverage merchandise, together with particular person incapacity insurance policies, group short-term incapacity insurance policies, group long-term incapacity insurance policies, long-term care insurance coverage insurance policies, and life insurance coverage insurance policies. The corporate’s portfolio additionally consists of life, accident/AD&D, long-term care, crucial sickness, dental, and imaginative and prescient insurance coverage merchandise.

Over time, the Unum Group has bought or merged with quite a few different insurance coverage firms, serving to the corporate’s annual revenues improve from $10.7 billion in 2015 to just about $12 billion in 2019. Consequently, Unum Group’s development has resulted in problems for insurance coverage claimants comparable to your self. When you beforehand bought insurance policies from Provident Insurance coverage Firm, UnumProvident Insurance coverage Firm, The Paul Revere Life Insurance coverage Firm, or Colonial Life & Accident Insurance coverage Firm, you might obtain denial letters from these entities, however actually, it was Unum that denied your declare. 

How We Can Assist

If Unum Group has denied your insurance coverage claims and also you need assistance reviewing Unum Group’s improper claims ways, Donahue & Horrow is right here for you. We’re primarily based in Los Angeles and routinely deal with instances all through California in opposition to insurance coverage giants comparable to Unum Group. Whether or not by telephone at 877-664-5407 or face-to-face, we’re prepared to debate your declare. 

In case you have questions name Donahue & Horrow right this moment. Insurance coverage insurance policies are written by attorneys, and our legislation agency can interpret the phrases of your coverage. We are going to assist decipher your Unum Group insurance coverage coverage, whether or not it’s a long-term incapacity insurance coverage coverage, short-term incapacity insurance coverage coverage, medical insurance coverage, life insurance coverage coverage, unintentional demise, and dismemberment coverage, or a long-term care insurance coverage coverage. Name right this moment for a free session: (877) 664-5407.

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