Unum Pays One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted By Dell Disability Lawyers
One day, our client woke up with a severe headache and was unable to go to work. Her headache was so severe that she went to the emergency room and had a CT scan and a spinal tap to rule out meningitis. She hoped her headache would go away, but after 4 days in the hospital and numerous medications the headache continued. The doctors completed every possible test to determine the cause of the headaches and then told her she should feel better shortly. Unfortunately, five months later she continued to experience a constant daily headache and was still unable to return to work. Her employer provided a UNUM disability insurance policy that would pay her $40,000 a month if she was unable to perform the duties of her occupation. Unum initially approved her disability claim, but after paying for three months Unum denied benefits and sent a letter stating, “The level of care and known activity is inconsistent with headaches that would rise to a level of impairment.” Shortly after receiving the denial, disability attorney Gregory Michael Dell was hired to appeal the Unum disability denial.
Headache Claims are Always Challenged By Disability Insurance Companies Such as Unum
This disability claim was highly scrutinized by Unum due to the large monthly benefit of $40,000. Prior to becoming disabled our client was earning in excess of $1.2 million annually and she billable hourly rate was $1,000. She was a finance transactional lawyer with a mostly sedentary job. Her duties required her to work on multi million dollar financing agreements for some of the world’s largest banks. She supervised 8-10 lawyers and any financing deal required her to be in communication with more than 30 people. Unum claimed that despite her headaches and difficulty focusing, that she should be able to work. Unum claimed she was not taking enough medication and since she could jog for 30 minutes twice a week, that she could work at least 40 hours a week.
Disability Attorney Gregory Dell Submits an Extensive Appeal and Unum Denial is Reversed
Through a coordinated effort with more than 8 different physicians and extensive occupational job description, Unum finally understood why our client could not perform her job. Unum was also educated about the extensive medical literature which encourages exercise for people suffering with chronic daily headaches. Unum also claimed that our client was not taking enough medication, yet UNUM failed to previous consider the extensive medical literature discussing how Medication Overuse can cause more headaches for a person. There are numerous types of headaches and extensive medical literature which discusses the potential treatments for people suffering with headaches. More than 100 million people suffer from chronic headaches. There are virtually no medical test available which can verify or measure the pain a person experiences while having a headache. Insurance companies often take advantage of this and unreasonably deny claims. In the instant case, our client was very pleased that once Unum reviewed the Appeal we submitted, that they accepted their erroneous disability denial and paid past due benefits. The client has received $1,300,000 plus she will receive a monthly check each month for as long as she is unable to work as an attorney.
Our client retained Dell Disability Lawyers pursuant to a contingency fee agreement, which means that she did not pay any attorney fees until a recovery was made on her case. If no recovery was made, then the client would not have been responsible for any attorney fee or costs. This case was not litigated since we won the ERISA appeal.
Resources to Help You Win Disability Benefits
Submit a Strong Unum Appeal Package
We work with you, your doctors, and other experts to submit a very strong Unum appeal.
Sue Unum
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Unum.
Get Your Unum Disability Application Approved
Prevent a Unum Disability Benefit Denial
Negotiate a Unum Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Unum is evil
Unum Closed My Case Today
Low payments
They closed my claim and I have been without income since they closed it
I feel like Unum is giving me the runaround!
Reply
Unum terminated my benefits with no warning
Reply
I've been trying to care care of my Unum benefits for over a year. They’ve been so rude
Reply
I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid
Reply
Q: Unum payments offset
Q: Should I sign a release of information form sent by Genex on behalf of Unum ?
Q: 63 year old RN
Q: Is UNUM obligated to pay my children SSI amount with COLA increase to me after they turn 18 or the original award amount?
Q: ER physician Unum mental health claim for 40 years
Q: Requesting a Copy of my LTD ERISA Policy from UNUM
Q: I am now concerned if I am not able to return to work after 6 months Unum will stop paying me.
Q: Can receiving a Unum group LTD benefit settlement lower my SSDI benefit?
Is UNUM a Good Insurance Company?
How Long Does UNUM Long Term Disability Last?
Can You Sue UNUM?
How Does UNUM Define Disability?
Beware of Traveling While on Disability with Unum
If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?
Unum Disability Benefit Denial Trends, A Legal Perspective
A New Bait and Switch Tactic by Unum Disability Insurance Company
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
Unum Approves LTD Benefits for Pharmacist with Eye Disorder
Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Unum Lifts Mental Health Limitation on Disability Claim
Unum Approves Long Term Disability Application to a Program Manager
After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse
Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team
Reviews from Our Clients






