Unum Life Insurance Company of America is headquartered in Maine, with claims offices in Chattanooga, Tennessee, and a mail drop in Columbia, South Carolina. Recently, Unum acquired several disability insurance companies, among them Paul Revere and Provident.

At Herbert M. Hill, P.A., we routinely deal with Unum both during the administrative review process and as a part of litigation practice. This experience gives us keen insight on dealing with them when our clients’ claims are denied through their company.

What To Do If Unum Denied My Claim For Long Term Disability?

We are well-acquainted with most of Unum’s claims representatives, and they, in turn, are familiar with our law firm. Unum has a reputation for prolonging the determination of claimants’ benefits and issuing baseless denials for Long Term Disability, impacting deserving individuals. These determinations affect claimants whom Unum has a contractual and fiduciary obligation to treat in good faith by properly paying Long Term Disability benefits.

ERISA and Fiduciary Responsibility What to do if Unum Denied my Claim for Long Term Disability?

ERISA (the Employee Retirement Income Security Act) is a federal statute that oversees multiple employment-related benefits, and often covers Long Term Disability cases. Within this statute, Unum is required to fulfill a fiduciary duty to claimants—a critical legal responsibility.

Our law firm has extensive knowledge of the tactics used by Unum’s claims representatives. For example, the claims form issued to claimants, designed to assess their level of functional loss, lacks the capacity for adequate responses that accurately measure diminished functionality. The form’s questions lack detail and offer limited space for comprehensive answers, providing openings for Unum’s representatives to deny Long Term Disability claims. At Herbert M. Hill, P.A., we can make sure these loopholes are filled so this does not happen to you.

Herbert M. Hill, P.A. Is The Long Term Disability Lawyer You Need

Our disability attorneys represent claimants entangled with Unum throughout all phases of Short Term and Long Term Disability claims, including application, denial appeals, and legal proceedings. We advocate for numerous claimants who find themselves unable or unwilling to manage the stress imposed by Unum throughout the claims process, irrespective of benefit status. If you have a disability benefits claim involving Unum, Paul Revere, or Provident, contact us today.  Our practice extends throughout the state, and we can handle claims in any state or federal court in Florida.