Residual Disability Policy Provisions: The Double-Edged Sword

Many private disability policies have residual disability provisions.  These clauses generally pay a percentage of your monthly benefit when you can perform some but not all of your occupational duties.  So, even though you can work and earn less, you still receive a monthly benefit, albeit smaller than the full benefit.  However, when your individual […]

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Unum Disability Claims: Disabled Persons Beware of Unfair Tactics

Even if Unum is paying your long term disability claim, you would be well-served to be wary of the following common unfair claim tactics their representatives use to better Unum’s chances of saving money on your claim. Constant telephone calls to you.  First, the representative tries to befriend you.  They show concern and seem to […]

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Unum Can’t Hide Their Lawyers’ Communications in Long Term Disability Case

A New York federal magistrate judge dismissed Unum’s attempt to cloak the discussions between its lawyers and its claim representative deciding a long term disability appeal.  Unum was ordered to either turn over the written communications to the disabled person’s attorney or to give them to the judge to review. During a litigation concerning a […]

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Faulty Disability Benefits Denial Letter Award Attorney Fees

What do disability insurance companies hate more than an experienced attorney fighting them? That same attorney winning an award for legal fees against them for violating a client’s federal rights.   Under the Employee Retirement Income Security Act (ERISA), a disabled person seeking to enforce their rights to long term disability benefits has a right […]

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