UNUM, headquartered in Chattanooga, Tennessee, is the United State's largest provider of employer sponspred group disability benefits "providing benefits for 42% of today's Fortune 500" businesses. Unfortunately, it is our experience as Florida UNUM Disability Denial lawyers that UNUM does not deliver what it promises to those businesses who purchase group disability insurance for its employees.
UNUM's website would have you believe that the "foucs is on recovery." Long term disabilty benefits from UNUM "can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bill." Unfortunately, as a Florida disability lawyer who represents many UNUM policy holders, my experience is that UNUM typically stops paying short term disability benefits just before the long term disabilty benefits are to start.
Long term disability coverage "provides benefits when you are unable to work for a longer period of time and may last untill you are able to work" according to UNUM. Many times UNUM will have the file reviewed by a nurse or "independent doctor" paid by UNUM who will say you can work despite what your doctor says about you inability to work. UNUM will deny long term disability claims for 3 primary reasons: (1) There is no "objective evidence of your diagnosis" despite testing or your doctor's findings on examination. (2) There is no "objective evidence of your disability" despite physical findings of disability and pain. (3) "No relationship between your medical condition and your inability to work" despite the fact that your employer has terminated you, you can't function at a sedenatry work level, or that you are getting Social Security Disability benefits.
If you are insured by UNUM and are thinking about applying for short or long term disability benefits or have been denied disability benefits by UNUM, contact UNUM disability denial lawyer, Nancy Cavey. Florida UNUM Disability Denial lawyer, Nancy Cavey, has written "Robbed of Your Peace of Mind", a must read about the policy terms you don't want to see in your UNUM disability policy and the mistakes you can make in your UNUM long term disability claim.
Order your no-obligation copy immediately. Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.