Finding her disability claim denied, a plaintiff has initiated an Unum lawsuit arguing the denial was unfair given the circumstances. The disability claim lawsuit relates to a policy between Unum Insurance and the plaintiff that initiated in August 2012.

The plaintiff says that she was employed by a school district in Oklahoma during the school year that followed the initiation of that disability claim policy. The employment compensation package with the school district included the long-term disability insurance policy from the defendant and the plaintiff accepted that offer.

During the fall of 2012 school semester, the plaintiff says she was diagnosed by her physician as suffering from severe depression and anxiety disorder. This led to her being unable to fulfill the employment duties required of her by the school district, she claims. For that reason, the plaintiff says she was put on leave from her job.

The plaintiff initially received compensation through the school’s sick leave policy and then under the family medical leave act of 1993. However, following the exhaustion of both of those options, she then gave her official disability application to Unum based on the terms of the policy regarding compensation.

In December of 2012, the defendant refused to pay the benefits that were allegedly owed under the contract. She says that it was the experience of having the disability claim denied that prompted her to file a lawsuit to attempt to recover those benefits that she has reason to believe she was eligible to tap into.

She claims in her disability denial lawsuit that the defendant is in breach of contract and says that she is entitled to damages for the breach of contract.

Increasingly, many people have had to file lawsuits against Unum and similar disability insurance companies after following all of the terms of these policies for making an application to trigger the payment benefits. When each of these individuals had a disability claim denied, it was their next step to consider an appeal to the insurance company and then to move on to taking action with a legal claim.

People who purchase or opt into a disability insurance policy hope to never need the disability benefits but may be counting on that as a lifeline in the event of a disabling illness or injury. In the event of a disabling event, the policyholder can be shocked to see their disability claim denied and feel as though they have no support financially.

After exhausting the appeals process, a policyholder might be unsure of how to proceed in order to fight back and get the benefits deserved.

A lawsuit may be the only way for those people who have suffered the situation of having their disability claim denied to hold the company accountable and to attempt to recover the compensation they initially sought in making the application itself.

The Unum Disability Denial Lawsuit is Case No. 6:18-CV-00174-KEW filed in the District Court of the 17th Judicial District in Oklahoma.

Do YOU have a legal claim? Fill out the form on this page now for a free, immediate, and confidential case evaluation. The bad faith insurance attorneys who work with Top Class Actions will contact you if you qualify to let you know if an individual lawsuit or Unum class action lawsuit is best for you. [In general, Unum bad faith lawsuits are filed individually by each plaintiff and are not class actions.] Hurry — statutes of limitations may apply.

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