Formerly know as UnumProvident, UNUM is one on the largest providers of long term disability (LTD) insurance in the United States. They are based in Chattanooga, TN and trade on the New York Stock Exchange under the ticker symbol UNM. They are a Fortune 500 Company, have over 9000 employees, and reported revenues topping 10 billion in 2013.
How does the claimant stand a chance against such a large corporation? Answer: Exercise your rights under the law.
If denied, UNUM, or any ERISA based long term disability plan, is required to notify you in writing through a denial letter. Further, they MUST give you a reason for the denial. Some reasons given for denial of your benefits include: lack of medical documentation, lack of detail about your disability, or failure to meet certain LTD policy definitions.
If denied benefits after your initial application, should you accept the insurance company’s denial as the end of the road? NO!
You have rights which include appeals and the possibility of a lawsuit; but be sure to act quickly, your rights are time sensitive. Most importantly, don’t give up. That’s what the big insurance companies want you to do.
At Cody Allison & Associates, PLLC we fight denied long term disability claims everyday. It’s what we do. If you believe you have been wrongfully denied your ERISA, or non-ERISA, long-term disability benefits, give us a call for a free consultation. You can reach Cody Allison & Associates, PLLC at (615) 234-6000. We are based in Nashville, TN; however, we represent clients in many states (TN, KY, GA, AL, MS, AR, NC, SC, FL, MI, OH, MO, LA, VA, WV, just to name a few). We will be happy to talk to you no matter where you live. You can also e-mail our office at firstname.lastname@example.org. Put our experience to work for you. For more information go to www.LTDanswers.com.