Unum LTD Insurance Claim Denials Attorney in Orlando- Herbert M. Hill

Has Unum denied your Long Term Disability claim? An experienced Unum LTD insurance claim denials attorney in Orlando can help you fight back and pursue the benefits you deserve.

If your Long Term Disability (LTD) claim with Unum has been denied, you may feel overwhelmed and uncertain about your next steps. These denials can happen even when you have strong medical documentation, leaving you without critical income support.

Working with an experienced Unum LTD insurance claim denials attorney in Orlando can make all the difference in appealing the decision and protecting your right to benefits.

Unum is one of the nation’s largest disability insurers, and many employees in Florida are covered under its policies. Unfortunately, denials are common and often stem from confusing policy terms, strict documentation requirements, or tactics aimed at limiting payouts.

At Herbert M. Hill, P.A., we represent Orlando residents and workers across Central Florida who have had their LTD claims denied by Unum. Our firm is dedicated to helping clients navigate the appeals process and secure the benefits they are entitled to receive.

Understanding Your Unum Long Term Disability Policy

Unum LTD policies contain detailed provisions that can directly impact your eligibility for benefits. Missing deadlines, misinterpreting language, or failing to provide required documentation are some of the most common reasons for denials.

Important provisions to review include:

Definition of Disability: Does Unum define disability as being unable to perform any occupation, or just your own?
Benefit Limitations: Many Unum policies cap benefits for mental health conditions or “self-reported” symptoms.
Medical Documentation Requirements: Unum often demands extensive and timely medical records, physician statements, and treatment updates.
Offsets for Other Benefits: LTD payments may be lowered if you also receive Social Security Disability, workers’ compensation, or other income sources.

A skilled Unum LTD denial lawyer can carefully review your policy to ensure you meet every requirement and avoid mistakes that could weaken your case.

Legal Support for Unum LTD Appeals in Orlando

Appealing a denial is more than simply resubmitting paperwork—it requires building a strong case that directly addresses Unum’s reasons for rejecting your claim. Because Unum has extensive legal and financial resources, claimants benefit greatly from representation by an experienced Unum insurance denial attorney.

At Herbert M. Hill, P.A., we focus exclusively on disability insurance and ERISA law. This narrow focus allows us to anticipate Unum’s tactics, understand the nuances of its policies, and prepare a detailed strategy for your appeal.

Whether you are preparing your initial claim or pursuing an appeal, our team is here to provide hands-on legal guidance every step of the way.

Steps to Take After a Unum LTD Denial

If Unum has denied your claim, you must act quickly. The appeal process has strict deadlines, and missing them could result in permanent disqualification from recovering benefits.

We assist clients by:

Analyzing Unum’s denial letter to identify the exact reasons for rejection
Collecting additional medical records and expert statements to strengthen your case
Working with vocational professionals to show how your condition impacts your ability to work
Preparing and filing a thorough appeal within Unum’s required timeframe

The faster you involve an attorney, the stronger your chances of success will be.

Why Unum LTD Claims Are Frequently Denied

Like other large insurers, Unum often relies on similar arguments to deny claims, including:

Claiming your condition does not meet the definition of disability
Challenging the start date of your disability or your employment status
Reducing benefits because of other income sources
Imposing restrictions on mental health or “subjective” conditions

Our Unum LTD denial lawyers know how to counter these tactics and build a strong case for a fair review.

Why Choose Herbert M. Hill, P.A.?

Choosing the right attorney is one of the most important decisions you can make after a Unum denial. At Herbert M. Hill, P.A., we focus our practice solely on disability insurance and ERISA claims, ensuring that we never represent insurance companies.

Clients turn to us because we provide:

Decades of experience with Unum LTD claims and appeals
Personalized representation tailored to each policy and medical situation
Clear communication throughout every stage of the process

We are committed to protecting your rights and pursuing the benefits you deserve.

Speak to a Unum LTD Insurance Claim Denials Attorney in Orlando Today

If Unum has denied your Long Term Disability claim, do not wait to seek legal help. At Herbert M. Hill, P.A., our legal team is ready to review your policy, explain your options, and fight for the benefits you have earned.