Unum Life Insurance Company is a company which causes a lot of people to call me about their claims handling practices, even when Unum Long Term Disability benefits are being paid.
Unum has an affiliation with the following companies which also issue Long Term Disability insurance policies:
- Paul Revere
- First UNUM
- UNUM Provident
The starting point is that your best interests are never protected by any insurance company regardless of what its advertising might try to lead you to believe. Keep in mind what Abraham Lincoln said about corporations. When Lincoln contemplated the aggregation of wealth by corporations, he was moved to say that he, “tremble[d] for the safety of my country.” This is an unfortunate truth for those relying upon Unum to pay their Long Term Disability benefits it agreed to pay.
When handling Unum Long Term Disability benefits and denials, we are able to stay ahead of the claims representatives because we are paperless and they are overwhelmed by their workload. We are able to commence responding immediately to all inquiries, thereby keeping the ball in Unum’s court. It is our belief that this results in favorable decisions because the claims representative know we are not going away. We will doggedly pursue your Long Term Disability insurance claim.
It is our experience that claims representatives try to do all their business on the phone but make it fairly impossible for the claimant to call back. There is either an impenetrable phone maze or the claims representative is never available and never returns calls. An important issue in these claims is the content of the Claims File which is done by the claims representative when communications are by phone. This is why we almost always conduct our business in writing so it is not subject to the biased interpretation of the claims representative.
Our disability attorneys represent claimants involving Unum at any stage of Short Term and Long Term Disability claims during application, appeals of denials and lawsuits. We represent many claimants who simply cannot or do not want to deal with the stress purposefully caused by the denial of Unum Long Term Disability benefits. If you have a disability benefits claim involving Unum, you can contact us either through our website at www.HerbertMHill.com or by calling our toll free number 844-454-5995 or 407-839-0005. Our practice extends throughout the state. We can handle claims in any state of federal court in Florida.