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.
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