Unum / Provident / Paul Revere

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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

A Senior Project Manager is a complex job that requires attention to detail and the ability to multitask. In this long term disability claim denial handled by attorneys Cesar Gavidia and Greg Dell, Unum ignored the cognitive limitations of our client.Continue Reading Senior Project Manager with Cognitive Limitations Wins Unum Long Term Disability Denial Appeal

Disability insurance attorney Alex Palamara discusses a long term disability appeal victory on behalf of a billing manager denied long term disability benefits by Unum. Our client was disabled due to chronic back pain. Alex discusses why Unum denied disability benefits and the steps he took to get the long term disability benefits reinstated.
Continue Reading Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal

In this video and article, Attorneys Gregory Dell and Stephen Jessup discuss how UNUM defines disability. UNUM‘s disability policy is very lengthy and every policy holder will have a better understanding of:

  • UNUM’s Definition of “Own Occupation”
  • How Can a Claimant Prove What Their “Own Occupation” Is?
  • What Is “Any Gainful Occupation”?

Continue Reading How Does UNUM Define Disability?

You’ve submitted a long term disability claim to UNUM and just received notice your request for benefits was approved – congratulations! But if, like many claimants, you assume this approval letter is the end of the story when it comes to your receipt of disability benefits, you may be mistaken. Below, the attorneys at Dell & Schaefer will explain more about UNUM’s claim re-evaluation process, lifetime disability clauses, and what claimants should do to preserve their right to receive long term disability benefits from UNUM.

GREG DELL: Hi. I’m Greg Dell with attorneys Dell & Schaefer. And today’s disability question is, how long does Unum long-term disability last? And Stephen, I think this is an excellent question because every policy is written differently, which you’re going to talk about in a minute. But also it really doesn’t matter in a sense how long the policy is because just because you get approved doesn’t mean you’re staying on it–

STEPHEN JESSUP: –that long.

GREG DELL: And talk about first why just getting approved doesn’t mean you’re going to get the maximum duration under the policy.
Continue Reading How Long Does UNUM Long Term Disability Benefits Last?


Disability Insurance Attorneys Dell & Schaefer has represented policy holders when the disability insurance company denies a claimant benefits who has been on claim for many years. Insurance companies often deny claims even when the policy holders claim file is absent any evidence that there’s been any improvement in their condition.

GREG DELL: Hi, I’m Greg Dell, here with attorney Victor Peña. And, Victor, you brought a case to my attention that just came out recently out of the Circuit Court of Appeals for the 1st Circuit, which covers cases out of Massachusetts. I’m always intrigued by the cases where the disability insurance company denies a claimant that had previously been on claim for nine years and the thought process to say, outside of some video or some doctor saying the claimant’s better, did they find the cure to this person’s disease or did they just get that much better after nine years at their back?Continue Reading After 9 Years, UNUM Denies a Policy Holder Benefits Despite No Evidence of Improvement

UNUM is a large insurance company that provides insurance for workers through their employers. However, when it comes to paying disability claims for long-term diseases such as fibromyalgia, the insurance giant consistently denies claims, especially for those who go on short-term disability and start working again. Two issues lead to disability insurance claim denial. If UNUM denied a claim you filed for long-term disability, contact a disability insurance attorney as soon as possible.

Denied Disability Claim

In the present case, a 59-year-old woman worked at an Air Force base for 33 years. Her job required her to lift, climb and carry. During the last 15-plus years of her tenure, she suffered from fibromyalgia. The woman went on short-term disability for fibromyalgia several years ago. Her doctors recommended that she go on long-term disability, but instead, she went back to work and worked through the pain of the disease because she loved her job. The woman had to force herself to get up every day to do a job she loved. She wasn’t ready to give up a job that she enjoyed.Continue Reading Why Does UNUM Deny Disability Claims for Long-Term Diseases?