Unum Long Term Disability Denial? Begin Your Appeal Today

Disability: Bilateral Knee Pain, Low Back Pain

Problem: Rudy was suffering from bilateral arthritis in his knees, along with excruciating lower back pain, forcing him to make the decision to leave work. Thinking he was covered, he submitted a claim to his Long Term Disability insurance carrier. The insurer agreed Rudy was unable to handle the machinery and heavy lifting that his job required. However, two years into the claim the insurer denied benefits.

Success – Denial Overturned: Unum had changed their definition of disability in Rudy’s policy, and suggested he could perform several clerical and office jobs, despite him having zero experience. After hiring Fields Law, our Unum disability claims lawyers contested the denial and requested reports and letters from our client’s physicians. This favorable evidence was used to write a detailed appeal citing statutory and legal authority. After review, Unum reinstated benefits.

Disability: Vestibular Dysfunction, Superior Oblique Palsy, Meniere’s Disease, Dizziness, Vertigo, Migraines

Problem: Stacy’s role as compliance manager required constant computer screentime, which resulted in debilitating migraines and vertigo. She was initially approved for Long Term Disability benefits, however Unum eventually terminated her benefits indicating no benefits were payable. Unum felt there were no physical examination or diagnostic test findings that indicate she would lack the capacity to perform her occupation as a Compliance Manager and that Meniere’s Disease generally does not prevent most patients from working.

Success – Benefits Reinstated: Upset at her sudden loss of income, she called Fields Law Firm for help. Our Unum disability claims attorney contacted Stacy’s doctors to compile reports of all of her symptoms and treatments. Unum hired their own independent doctor to review the case, and after a more thorough review, they overturned their prior decision and paid our client all of the back benefits she was entitled to.

Disability: Non-Union of Right Ulnar Shaft Fracture, CTS, Fractured Vertebrae, Cognitive Deficits, Mental Health Concerns

Problem: An Accounts Receivable Clerk from Nevada was involved in a serious car accident, suffering numerous injuries including a compound fracture of her right ulna and a traumatic brain injury. She underwent four failed surgeries on her right forearm, and eventually had a fifth surgery which just barely managed to stabilize her condition. She suffered from persistent pain and immobility in her right arm. She had also developed carpal tunnel syndrome, cognitive deficits, and a variety of mental health conditions after the accident and subsequent recovery. She applied for Long Term Disability benefits from her insurance carrier but was denied upon application. In their denial letter, Unum claimed that her conditions had improved to the point where she could return to work.

Success – Denial Overturned: Knowing she needed help, and having just given birth to a baby son, Adhiti sought our help. She contacted Fields Law, and we quickly began the Unum disability appeal process. We gathered extensive medical documentation of her recovery and functional capabilities, outlining the path of her recovery. In addition, we secured a functional capacity assessment from her physical therapist, a narrative report from her primary care physician, and a specialized vocational report from a third party expert. The Fields Law team ended up submitting hundreds of pages of exhibits with our already lengthy appeal proving our client’s disabled status. Unum was forced to review all of the documentation, and upon consideration, overturned their prior denial of our client’s benefits, including backpay benefits. Our client was able to focus on her recovery and care for her newborn son.