Like all disability insurance companies, Unum makes more money by denying claims than by paying them—which means it’s important for your medical records to be as comprehensive as possible, especially when you’re transitioning between short term and long term disability benefits. We’ll discuss what your medical records should contain and other precautions you’ll want to take when seeking long term disability benefits from Unum.

  • Your medical records must document your complaints and limitations.
  • Keep notes or a pain journal of your complaints and make sure your doctor includes them in your medical notes.
  • The Unum claimant statement has traps and you must complete it carefully.
  • Unum will review all of your social media profiles so limit it as much as possible.
  • Always be prepared and honest when speaking with Unum. You may not need to speak with them on the phone.

At Dell Disability Lawyers, our attorneys have handled hundreds of Unum claims—so we know exactly what they’re looking for when they review your file. To get started or discuss your Unum claim with a member of our team, just give us a call to set up a FREE consultation. We’ll work with you to determine your claim’s strengths (and weaknesses) to present the strongest possible case for benefits.