If you’ve had your long-term disability claim denied by Unum, you’re not alone. Many individuals face this frustrating reality, often feeling overwhelmed by the challenges of the appeals process. That’s why you need to hire an Unum denied long-term disability claims lawyer.
With the right legal help, you can strengthen your case and improve your chances of success. Our denied long-term disability claims lawyers at BenGlassLaw have recovered more than $100 million for past clients and want to help you, too.
How Our Lawyers Will Help With Your Unum Denied Claim
Facing the challenges of denied Unum claims requires skills and knowledge that many claimants and most lawyers may not possess. You might feel overwhelmed, but Unum denied long-term disability claims lawyers can guide you through the intricacies of the appeal process.
We understand the nuances of the long term disability insurance industry and know how to craft compelling arguments that resonate with decision-makers. Here’s why you should consider a lawyer at BenGlassLaw:
- Knowledge of legal precedents: We’re up-to-date with relevant case laws that influence outcomes.
- Experience in documentation: We can identify critical evidence that strengthens your case, ensuring nothing is overlooked.
- Negotiation skills: Our skilled lawyers can effectively negotiate with Unum and its lawyers to secure the benefits you rightfully deserve.
With BenGlassLaw, you can maximize your chances of a successful outcome. Get in touch with us today to get your free consultation.
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Common Reasons for Unum Claim Denials
Understanding your Unum policy is just the beginning; knowing why claims get denied is equally important. Many people face unexpected denials, leaving them frustrated and confused.
Here are three common reasons why Unum might deny your claim:
- Insufficient medical evidence: Without thorough documentation from your healthcare providers, your claim may be viewed as unsubstantiated.
- Pre-existing conditions: If your disability is linked to a condition you had before your coverage began, Unum may deny your claim, citing exclusions.
- Failure to follow treatment plans: Not adhering to prescribed treatments can lead Unum to question your commitment to recovery, impacting your claim’s validity.
Recognizing these pitfalls early on can help you face the challenging claims process more effectively.
The Appeals Process: What to Expect
If your Unum long-term disability claim has been denied, it’s vital to know that you have the right to appeal the decision.
The appeals process can be intimidating, but understanding what to expect will empower you. You’ll need to gather all relevant medical records, documentation, and evidence that supports your claim.
Craft a clear and concise appeal letter outlining why the denial was incorrect, addressing specific reasons given by Unum. Be prepared to provide additional information if requested. Timing is significant; make sure you submit your appeal within the designated timeframe. Stay organized and persistent throughout the process.
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Building a Strong Case for Your Appeal
When building a strong case for your appeal, it’s crucial to focus on the specific reasons your initial claim was denied.
Start by reviewing the denial letter carefully; identify any gaps in the evidence or misinterpretations of your condition. Gather additional information that directly addresses these shortcomings. You might consider compiling expert opinions or testimonials that support your claim.
Confirm your appeal is well-organized and clearly states how you meet the policy’s criteria. Emphasize any new medical evidence or changes in your condition since the initial claim.
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The Importance of Medical Documentation
While some may underestimate its significance, medical documentation plays a pivotal role in the success of your long-term disability claim or appeal. Accurate and thorough records can make or break your case. Here’s why you shouldn’t overlook this critical aspect:
- Credibility: Well-documented medical history strengthens your claim, showing that your condition is legitimate and ongoing.
- Consistency: Consistent records from healthcare providers demonstrate the impact of your disability on daily life, reinforcing your need for assistance.
- Proof of Treatment: Documentation verifies that you’ve sought appropriate care, underscoring your commitment to managing your condition.
Legal Strategies to Improve Your Chances of Success
To enhance your chances of a successful long-term disability claim, employing strategic legal approaches is essential. First, make sure all medical records are thorough and up-to-date; this builds a robust case.
Next, meticulously review your policy to understand coverage specifics and limitations. Gather supporting evidence from healthcare professionals to reinforce your claim. Craft a detailed narrative that connects your medical condition to your inability to work, emphasizing how it affects daily life.
Additionally, document all communications with Unum, maintaining a clear record of interactions. Finally, consider submitting your claim with a well-structured appeal if initially denied. This proactive approach not only strengthens your case but also demonstrates your commitment.
Contact Our Unum Denied Long-Term Disability Claims Attorneys Today
Steering a denied long-term disability claim with Unum can be intimidating, but you don’t have to face it alone. By partnering with an Unum denied long-term disability claims lawyer, you greatly improve your chances of success.
With the right legal guidance and thorough medical documentation, you can reclaim the financial support you deserve and focus on your recovery without added stress. Get a free consultation with BenGlassLaw, then visit our blog page for more information.
Call or text (703) 591-9829 or complete a Free Case Evaluation form