Cancer is Unum’s Top Long Term Disability Claim
Tuesday, May 7th, 2013
Despite advances in early detection, treatment with sophisticated drugs and surgical procedures, cancer continues to be the single biggest reason for long term disability claims for those holding LTD policies with Unum, as it has been now for twelve years in a row.
Cancer is a complex series of diseases, attacking different parts of the body. While a diagnosis of cancer is not necessarily a death sentence, the disease is almost always serious, often life-threatening, and treatment is usually intense. Cancer patients who undergo radiation and/or chemotherapy are usually not able to work full time, and most find even part time work too difficult.
Being diagnosed with cancer is also emotionally charged for the employee and the members of their family. Frankel & Newfield has represented many individuals suffering from different types of cancers, and while their illnesses are all different, there are some key similarities. All have had to stop working, due to the effects of the cancer or the treatment for the disease. Their claims have been denied or delayed, or they have been told that they are not sick enough to stop working.
We often see this response from the insurance claims individuals who have not seen the entire medical records, either because they are outside consultants who have not been provided with the entire file, or because they are not medically qualified to review medical records and understand the debilitating impact that cancer and its treatments have on patients.
If you have been diagnosed with cancer and are about to file for disability insurance benefits, or are battling your insurance company and this disease, we encourage you to call our office at 1-877-LTD-CLAIM (1-877-583-2524) and learn how we have helped others facing this difficult situation.