Unum Disability Insurance Better Than Federal Alternative?

By Top Class Actions | October 29, 2012

Category: Labor & Employment

By John Curran

Unum disability insurance claim denial lawsuit lawyers are not fans of companies that try to keep people from the benefits that they deserve. Some disability insurance providers have allegedly tried to keep beneficiaries from receiving their monthly payments. Two of the many tactics include citing a lack of physical evidence in mental health cases and technicalities in others.

Is there a program that could actually be worse? Yes. In fact, you have to pay into it if you work a full-time job no matter what. Social Security’s supplemental security income (SSI) program is the federal equivalent of disability insurance. It is a difficult enough process that there are specialist law firms solely for the purpose of getting benefits.

In contrast to the UnumProvident disability insurance claim denial specialists, the federal government limits claimants another way. One of the more worrisome is the lifetime savings cap. While payments are only several hundred dollars a month, people receiving the benefits can’t have savings of more than $2,000. Unum disability insurance claim denial lawsuit lawyers do not have to worry about their client’s income in court, in contrast.

It is bad enough for some SSI beneficiaries that they are trying to create trust pools in local programs. Considering that combined income from the federal disability insurance programs and one’s own work can only total $1,000 a month, it can help those who are facing debilitating conditions to maintain some of their own money. After all, Medicaid and Medicare do not pay for all co-pays and co-insurance

It is important not to gloss over the risks of UnumProvident disability insurance claim denial specialists who make it difficult to get any benefits at all. It is clear, however, that private disability insurance can be of greater help than the enforced poverty required by the federal government.

If you or someone you know has tried to get the payments you deserve from your disability insurance provider and been denied, get educated. Fill out the short form at our Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation for a free consultation with an experienced Unum disability insurance claim denial lawsuit lawyer. While the facts of each case differ, the legal review will give you a sense of a claims potential success. It costs you nothing and could help pay for monthly bills that are likely to continue piling up.

Know your options. Get in touch with an experienced Unum disability insurance claim denial lawsuit lawyer now.