Another in a series of fine studies commissioned by UNUM shows that employees are happy to have disability insurance as an employee benefit. How would they not?
This study, the third in a series, shows that employees appreciate the opportunity to have disability insurance to protect their income and savings from illness and injury, says a VP at Unum. The importance of disability insurance protection was rated at an 8 on a scale of 1 to 10.
We hope that these employees don’t all have Unum policies. After all, history is the best teacher, and history has taught us that Unum is among the most likely to deny claims. But we didn’t need to do a study to tell you that….
We also believe that anyone who is employed today is happy to have a job, and understands that a job with benefits is the best of all possible worlds. Sometimes, however, the disability insurance coverage provided by an employer is barely worth the paper it is written on, with numerous exclusions, limitations and the claim handling techniques employed and designed to frustrate claimants in their pursuit of benefits.
If you have a Unum disability policy through your employer and you have been denied, your claim is being delayed, or you are considering filing a claim, give our office a call to learn how we can help. Or if you have LTD coverage with another insurer, with similar issues, we can help.