Steps to Take Immediately After a Unum Disability Claim Denial

When facing a denial of a disability claim from Unum, it's crucial to act swiftly and decisively. A denied claim can be a significant setback, but understanding the right steps to take immediately can increase your chances of a successful appeal. Here’s what you need to do after receiving a denial letter from Unum.

Review the Denial Letter Carefully

Start by thoroughly reviewing Unum's denial letter. This document contains critical information, including the reasons for your claim's denial and the deadlines for submitting a Unum disability appeal. Understanding these reasons is essential, as they guide the additional evidence you need to gather and present. Note any specific issues Unum has highlighted about your claim, such as insufficient evidence of a disability or discrepancies in your medical records.

Gather Supporting Documentation

The strength of your appeal largely depends on the robustness of your supporting documentation. Begin by collecting all relevant medical records that detail your disability and the limitations it imposes on your ability to work. This may include:

●     Medical tests and results.

●     Detailed statements from your treating physicians.

●     Records of treatments and responses.

●     Statements from coworkers or family members that can attest to how your condition affects your daily life.

Ask your healthcare providers for detailed letters that specifically address Unum’s reasons for the claim denial. These should clarify any medical information and emphasize the nature of your disability.

Consult with a Disability Lawyer

Navigating disability law can be complex, making it crucial to consult with a lawyer specializing in disability claims after a denial from Unum. A qualified attorney can guide you through the appeals process, ensuring compliance with legal deadlines and requirements. They can strategically challenge Unum's decision, preparing for a potential Unum lawsuit if necessary. Legal expertise is invaluable in effectively overturning denials and confronting large insurance companies.

Prepare for an Appeal

Preparing a Unum disability appeal involves more than just submitting documents. You need to construct a compelling case that addresses each of the reasons for denial stated by Unum. Organize your appeal packet methodically:

●     A clear and concise cover letter that outlines your case and lists the enclosed documents.

●     A chronological organization of your medical records and any new evidence.

●     A legal argument, preferably prepared by your disability attorney, that addresses the legal aspects of your claim and any errors in the initial processing.

Incorporating a strategic legal narrative can significantly influence the outcome of your appeal, potentially setting the stage for a successful overturn of the denial or even a Unum lawsuit if the appeal process fails to resolve the issue favorably. Ensure all aspects of your case are thoroughly documented and presented in a clear, organized manner for the best possible outcome.

Understand Your Rights Under ERISA

If your disability insurance is provided through your employer, it is likely governed by the Employee Retirement Income Security Act (ERISA). This federal law sets standards for most voluntarily established retirement and health plans in private industry, protecting individuals in these plans. Under ERISA, you have specific rights to appeal a denial and eventually take your case to federal court if necessary. Familiarize yourself with ERISA regulations to better understand the timeline and procedures that Unum must follow.

Maintain Your Medical Treatments and Documentation

Continuing to receive and document medical treatment for your condition is vital. This ongoing documentation can provide crucial evidence of the persistency and severity of your condition during the appeals process. Keep detailed notes of your medical appointments, treatments, and their impact on your daily life.

Manage Communication with Unum

All communications with Unum should be handled carefully. Document all interactions, including phone calls, emails, and letters. Keep copies of all documents you send and receive. When speaking with representatives, be clear but cautious—do not share more information than necessary, and always keep your communications professional and to the point.

Consider Alternative Financial Support

While your Unum disability appeal is pending, consider other financial support options. These might include applying for Social Security disability benefits, using savings, or exploring short-term disability if available. Such measures can provide a financial buffer during this challenging time.

Receiving a denial for a disability claim can be daunting, but these steps can significantly enhance your chances of a successful appeal. Remember, many denied claims are overturned on appeal, so stay proactive and informed throughout your journey.