Unum / Provident / Paul Revere

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This video discusses Unum’s frequent practice of denying disability insurance claims based solely on “paper reviews,” where in-house or hired doctors review medical records without ever examining or speaking to the claimant. Long term disability attorneys Greg Dell and Alexander Palamara explain that while this practice is often legally permitted under ERISA, it is fundamentally unfair—especially for claims involving mental health or cognitive impairments, which cannot be reliably assessed without in-person evaluation. Unum rarely orders independent medical examinations (IMEs), likely to save costs and avoid confronting evidence that could support a claimant’s disability.Continue Reading Can Unum Deny Disability Insurance Benefits Without Examining the Claimant?

Attorneys Greg Dell and Stephen Jessup discuss Unum Disability Insurance, focusing on the company’s practices, claim denials, and the challenges policyholders face. Unum is the world’s largest group disability insurer and has a long history of regulatory issues and class-action lawsuits, but it has developed internal procedures that it consistently follows. Despite this, Unum handles an enormous volume of claims, which often leads to a lack of personal attention and a rigid approach to denials. Once a claim is denied, it is often difficult to overturn because of the company’s group review process, which can create a kind of “groupthink” where initial decisions are strongly reinforced. The discussion emphasizes that policyholders face a company focused on minimizing payouts, operating almost like an impersonal assembly line where claims are treated as numbers rather than individuals.Continue Reading Discussing the Unum Disability Insurance Reviews. Good or Bad?

Steven and Gregory Dell have helped thousands of claimants to get their disability insurance benefits approved. We discuss a successful Unum and Protective Life disability benefit approval for a dentist with a neck and back disorder. Contact us to learn how we can help with your long term disability claim.Continue Reading Dentist With Neck and Back Disorder Wins Unum and Protective Life Claim

Attorneys Rachel Alters and Gregory Dell discuss a case against Unum in which Unum approved benefits for a brain injury and then denied benefits shortly thereafter. This was a very sad denial. Our client contacted us after being denied Unum Ltd benefits.Continue Reading Unum Disability Appeal Victory for a Transportation Manager with a Brain Injury

This is a long term disability insurance claim where we helped a radiologist to apply and get approved for Unum long term disability benefits. This claim was challenging because our client had been treating for depression and anxiety for 5-6 years. What changed and how were we able to prove that if our client managed her illness for five years, then why now is she unable to do her job?Continue Reading Radiologist With Depression & Anxiety Approved for Long Term Disability By Unum

This is a great example of how Disability Insurance Attorney Rachel Alters helped a pharmacist with a detached retina to obtain LTD approval from Unum. Rachel Alters discusses how she helped a Pharmacist to continue working and collect residual disability benefits from Unum. Continue Reading Unum Approves Long Term Disability Benefits for Pharmacist with an Eye Disorder