UNUM Provident Disability Claim Denials
When looking at the top 10 list of long term insurance companies who have harsh policy practices, you’ll find UNUM denials high on the list of bad-faith practices. UNUM’s tactic of denying claims to its policy holders has been the subject of government investigations, and many former employees of UNUM Provident have come forward in the media to confirm that these practices are company mandates. When you bought your policy you were probably told how easy the claims process would be, that you were in safe hands. Sadly for most, it’s far from easy to collect on their claims; when you’ve suffered an UNUM denial, you need an experienced UNUM insurance denial lawyer to get your claim back on track.
Understanding UNUM Claim Denial
When you’ve become disabled, the last thing you need to worry about is an UNUM denial letter. Major companies are counting on you to quit before you even start so they don’t have to pay out your rightful claim; don’t be fooled, you still have a chance after you’ve received a UNUM denial letter. You need to get a UNUM disability denial lawyer to make sure that they don’t strong-arm you when you have a real case for disability. Read on for more information about why you should consult with an UNUM insurance denial lawyer, how to handle a UNUM denial claim, and ultimately, if going the legal route is right for you.
Why You Need a UNUM Disability Denial Lawyer
You’d think after going to the doctor and not being able to work, you’d be able to get your disability claim settled. When you receive the UNUM denial letter in the mail, you may be confused. Why are disability claims so difficult? UNUM has large departments in its company that are dedicated to preventing “loss”, i.e. paying out claims; the last thing UNUM wants to deal with is a lawyer. The more money they can prevent from going to claim holders, the more money they have in profits that quarter so they count on people to just accept an UNUM denial letter and stop pursuing a claim. They’ll load you down with legalese and make you doubt that you ever had a claim at all, even if it’s not the truth. An UNUM disability denial lawyer will help you cut through the fine print and really understand what’s going on with your case.
We have extensive experience dealing with UNUM denials and we can help you determine if you have a real case. Just because you’ve been denied doesn’t mean that you don’t have a case, so you want to consult with a UNUM disability denial lawyer.
Why Does UNUM Deny Claims?
The insurance industry runs on hope; hope that you will never need to actually cash in on what you’ve been paying for. More disability claims denied equals more money UNUM keeps for profit. UNUM serves over 25 million people, so you can just imagine how those monthly premiums rack up. UNUM is notorious for denying claims regardless of their legitimacy; just because your claim has been denied doesn’t mean that you don’t have a real case for collecting on your policy. If your claim has been denied and you don’t understand or accept why it has been denied, you need to consider hiring a UNUM insurance denial lawyer. You paid your premiums for years, why should you stand by and lose out on a legitimate claim? They have red tape on their side, and that’s when it’s time to think about hiring a UNUM disability denial lawyer.
How a UNUM Insurance Denial Lawyer Can Help You
UNUM has been caught nationwide low balling claimants who are trying to collect on their claim; when you have a great UNUM insurance denial lawyer on your side you can prevent them from tricking you into taking less than you deserve. UNUM denial departments are dedicated to making sure they don’t have to pay what they owe. Don’t let this happen to you.
The first thing to consider with any UNUM denial on your claim is if you have a case. An experienced UNUM disability denial lawyer will help you first understand the nature of your claim denial. You need to know why you were denied so you can start building your case. The letters themselves can be mired in difficult language that is designed to make you quit trying.
When your case goes to court, there will be UNUM hired experts who are dedicated to making sure that the veracity of your claim is torn to shreds; we can help you with your UNUM denial case by getting real medical experts and UNUM disability insurance denial lawyers in the room who will explain the nature of your disability and why your claim is valid. When you have experts on your side, you have a much better chance at winning your UNUM denial claim than you would in arbitration where the cards are stacked against you.
After you understand the nature of your UNUM denial, you’ll be able to start building your case. Even if you win your claim and start collecting on your UNUM long term disability policy you’ll still have other things to consider, like buyouts of your claim by the insurance company. You don’t want to be lowballed on a lump sum, you want to make sure you know how much you’re going to need to live comfortably; with the right UNUM disability denial lawyer you will get what’s coming to you.
If you want someone on your side who has had several successful cases, contact the attorneys at Burke, Harvey & Frankowski, LLC. We can help you understand the nature of your UNUM claim denial, if you have a case and the best course of action to take for your situation.