UNUM Mental Health Disability Denial
Many policy holders have had their disability claims cut off after payment of two years based on a limitation for mental health claims. UNUM has been sued for its unfair practices against people with bipolar disorder disability. Just because you’ve received a UNUM denial letter in the mail doesn’t mean you don’t have legitimate claim. When you don’t understand why you’ve been denied or don’t accept the reasons stated in your mental health denial claim, you need to speak with a mental health disability lawyer. You have a right to dispute your mental health disability claim.
Who is UNUM?
UNUM is the largest provider of private and group disability insurance in the U.S. and the U.K., UNUM is the leading mental health disability denial company as well. When you’re suffering from mental health problems and need to take some time to recover, the last thing you should have to deal with is fighting an insurance company. Bipolar disability lawyers will be able to help you understand the nature of your denial and if you have a case. To understand why UNUM denies mental health disability and bipolar disorder disability claims, you need to first understand its bad-faith practices.
Understanding UNUM’s Bad Practices
In the last 20 years, UNUM has been fined and sued for bad insurance practices against policy holders. Since the very nature of bipolar disorder disability and mental health disability claims in general can be hard to prove, UNUM made a policy of dismissing these claims out of hand. You shouldn’t have to deal with excessive mental health disability denials; you deserve a fair hearing of your claim and an explanation as to why your claim was denied.
One of UNUM’s denial tactics is mental nervous limitation, or “self-reported conditions.” This means your claim can be dismissed immediately, or they can stop making payments to you within 2 years after you started receiving benefits. Bipolar disorder disability and mental health disability claims don’t always happen when you file your claim; you can be denied later. This is why you need a mental health disability lawyer to help you understand why your claim was denied and what you can do about it. UNUM has entire departments dedicated to making sure that you can’t collect on your claim. When you’re not sure about the why and how, the lawyers at Burke, Harvey & Frankowski, LLC can help you get to the bottom of your disability claim denial.
Mental Illness Disability
There are many cases where a nervous limitation can be a cause for dismissal. You’ll want to have a disability denial lawyer really look over your case to help you understand the grounds for denial; you also need to understand when you’re not getting a fair shake. When you’re suffering from bipolar disorder or another mental health disability, you need to know how the rules apply to you. In addition, UNUM may approve you for a mental disability while you have a physical disability that may still entitle you to benefits.
Anyone can come down with a mental nervous limitation. If you’re in an accident and the pain has led to depression, your claim isn’t any less valid. Don’t let the insurance company keep you down, let us help you understand your claim and if you have a case that you can take to court.
Mental illness disability claim denials are often just a way for insurance companies to discharge their responsibilities; you paid your premiums, you deserve a fair hearing. Never allow a mental health disability denial letter deter you from your claim. UNUM counts on the fact that most who receive a denial letter will not pursue action. Don’t let this happen to you.
We Can Help You with Your UNUM Mental Health Disability Claim
While it might be intuitive to deal directly with UNUM yourself, it’s not the best course of action. From the start of your mental disability claim or denial you’ll want an expert in policies to help you through it. There can be so many caveats and fine print in your long term disability insurance policy that you don’t understand what the terms are. When you hire a mental health disability lawyer, you’ll be able to understand all the terms of your policy are and how your denial was decided.
If you’re having a hard time getting your mental disability benefits or aren’t getting the amount that you think you should, you need an expert to make sure you’re not getting shortchanged. UNUM doesn’t like dealing with lawyers, so the fastest way to expedite justice is to contact the attorneys at Burke, Harvey & Frankowski, LLC. If you believe you’re being treated unfairly, give us a call. We can help you with your UNUM mental health disability claim today.