Disability Insurance Policies’ Fine Print May Cause Problems

By Top Class Actions | December 13, 2013

Category: Labor & Employment

Unum Disability Lawsuit Many Unum disability insurance lawsuits allege that the company, and other long-term benefits providers, do not adequately assess the ability of a claimant to complete his or her own job. Clauses in many policies, however, can lead to issues regarding these determinations issued by claim denial specialists.

Group disability policies are usually part of a benefits package a company issues to all of its employees as part of their compensation. Unfortunately for many, they have not read the policy closely and thus have not found out that there is a difference in the legal definition of job compared to occupation.

In most documents issued by long-term benefits providers, disability insurance lawsuit attorneys note that they will only begin disability coverage if a person is unable to work in their current occupation. That is based on the duties described by either the Bureau of Labor Statistics or other outlets and could be very different from one’s actual job description. For example, managers are not usually asked to lift heavy objects, but in certain retail environments that may be a necessity if they are involved in stocking shelves.The Supreme Court could also play a role in how the fine print of policies could make people applying for benefits more susceptible to problems from company claim denial specialists. Wal-Mart is petitioning the court to review contract language that would require employees to file complaints within three years of their first application, rather than when a group disability provider refused to pay benefits.

Doing so would reduce the amount of time a person has to consult with disability insurance lawsuit attorneys depending on how long the insurer takes to issue a letter denying his or her claim. Currently, the courts have required that the statute of limitations begins once the beneficiary receives the letter.

The various details regarding how policy benefits are paid can confuse many who would otherwise consider Unum disability insurance lawsuits. Getting help from an experienced legal practitioner can reduce the number of potential headaches. Learn more about what options are available by visiting the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation today. If you think you are missing out on benefits you think your medical history merits, fill out the form there for a no-cost eligibility review.