According to a recent Unum lawsuit, a Texas plaintiff had a legitimate long term Unum disability claim denied by Unum.

The lawsuit alleges the Unum disability claim denied was for a long-term disability beginning May 2010 and lasting until the present, July 2016.

Plaintiff Thefarro R. has allegedly suffered from an ongoing illness since January 1972.

This illness includes bowel obstruction, spine disfiguration, urinary tract infection, muscle weakness, fatigue, and other bowel issues, according to Thefarro.

Thefarro worked as a social worker, and after an injury in 2009 has been unable to continue performing the work expected of her in her position as a social worker, the lawsuit claims.

Now she also suffers a lack of benefits after having her Unum disability claim denied.

After having her Unum disability claim denied, Thefarro claims she has experienced pain and suffering. Without the benefits of disability payments for the 73 months she has been denied her claim, she has reported suffering from homelessness, abuse, and distress, among other things.

Thefarro hopes to recover the disability benefits originally denied to her, as well as claim punitive damages for her pain and suffering.

Was Your Unum Disability Claim Denied?

For most Americans, insurance claim denial is not a problem. Only around three percent of all disability insurance claims end up being denied.

However, if you are one of the three percent who have had your legitimate disability claim denied, there are still options to move forward and claim your benefits. For a good portion of these claim denials, many can be appealed and reversed.

Between 39% and 59% of claim denial appeals made directly to the insurer are usually later granted their appropriate disability benefits, and between 23% and 50% of the appeals made to third parties are usually granted. These numbers can fluctuate depending on the state in which the appeal is filed.

For some, however, appealing a disability claim denial can be quite difficult.

An insurer like Unum may have originally denied a disability claim because they do not consider a person’s disability to sufficiently disable them from performing their regular work duties.

In some of these cases, the insurer may not understand the scope of the disability, and in others, they may not fully understand the kind of work required for a certain job.

For many, appealing a Unum disability claim denied to them can gain back their benefits. For others, however, a simple administrative appeal may not be enough. In these cases, a person may be forced to enter into litigation against their insurer.

Filing a Unum Lawsuit

Unum lawsuits allege that the insurance company wrongfully denied a person’s legitimate disability insurance claim, which breaches a legally binding contract. Some plaintiffs who file Unum lawsuits may receive thousands or even millions in settlement money.

If you or someone you love has been wrongfully denied disability benefits from Unum, you may be able to file a Unum lawsuit.

The Unum Disability Claim Denial Lawsuit is Case No. 1:16-cv-270, in the U.S. District Court for the Eastern District of Texas.