UNUM Provident

Disability lawyers Frankel & Newfield have represented many Unum claimants when their long term disability claims have been denied, terminated or delayed. If you are having a problem with your Unum disability claim, call Frankel & Newfield at 877-LTD-CLAIM (877-583-2526) to find out how we can help.

We have represented clients at all stages of claims with Unum for many years, and are familiar with the tactics of this company, which continue long after it was found to have engaged in unlawful practices in a national class action lawsuit (see below for details).

Some of the tactics we frequently see from UNUM on ERISA claims are

  • The aggressive utilization of surveillance and investigation seeking to uncover inconsistencies between a claimant's reported activity level and their functionality;
  • The utilization of in-house medical staff to support the denial or termination of a claim;
  • Aggressive efforts to determine claims to be due to sickness, instead of injury, to impact the maximum benefit period to pay a claim.

Frankel & Newfield represents clients with Unum disability claims at all stages of the process, including:

  • Pre-claim strategizing to help ensure seamless transition to claim;
  • Claim preparation and claim management;
  • Defending claimants from aggressive claim tactics (including requests for Functional Capacity Evaluation, Independent Medical Exam, Field Visit)
  • Appealing ERISA denied or terminated claims;
  • Litigating claims following Exhaustion of Administrative Remedies.

UNUM, once known as First Unum and Unum Provident, was the subject of national headlines in 2004 when a class action lawsuit shed a glaring spotlight on the company's systematic process of deliberately denying disability claims. Memos were revealed that proved that UNUM deliberately denied disability claims and instructed claims adjusters that the more claims they denied, the more likely they would keep their jobs and earn incentive bonuses. Former employees spoke out on national television about a quota system and bonuses for claims denials.

Investigative news stories aired on both 60 Minutes and Date line.

Unfortunately, once the company was out of the national spotlight, things went back to how they had been before the class action lawsuit.

Our firm represented a doctor who had been on residual disability for more than ten years as the result of an illness that limited his ability to perform the tasks of an OB/GYN. As a result of our aggressive representation, the doctor now receives his full benefits - more than $20,000 per month - for the rest of his life.

If you have a disability claim with Unum that has not been paid or if the UNUM claims adjuster is trying to get you to settle your case for far less than its value, call our office at 877-LTD-CLAIM (877-583-2524) and learn how Frankel & Newfield can help.