Fibromyalgia Patient Successfully Appeals Unum Claim Denial
By John Curran
Unum policy holder Tanya Mondolo will receive the disability benefits she deserves from the insurance company after a judge’s administrative hearing. She had been dealing with fibromyalgia and a form of necrosis that is destroying her bones, but was denied disability insurance by Unum. She subsequently filed an appeal with the help of a Unum fraud attorney and won.
Her disability insurance lawsuit lawyer notes that Unum allegedly did not investigate the severity of pain Mondolo experience while sitting down, a key issue for assessing her ability to work at a desk job. In addition, while Mondolo cannot walk without difficulty and must lay down for significant portions of the day, her disability insurance claim was denied because alternative jobs were purportedly found by Unum even though she would not have been able to successfully complete her duties.
While the decisions of many claim denial specialists have been overturned due to oversights like these, it is important to note that a disability insurance lawyer can make a real difference in cases beyond the successful one for Mondolo. It is rarely publicized, but the fine print of many policies means that a jury trial is impossible. Rather, Unum and the disability benefits claimants appear before a judge for an administrative hearing which can make it difficult compared to a standard jury trial.
Claim denial specialists also often rely on ignorance of mental health problems and the disabling affect they can have, which Unum did in Mondolo’s case. In her case, her policy specifically requires consideration of mental health and psychological developments that result from injuries or those that are separate conditions. Not all benefits carry this requirement, however, so those who expect to receive disability benefits should check the fine print of their company’s contract beforehand.
Not all injuries are as devastating as sections of bone dying off, but disability insurance is available to all who meet the policy’s requirements and are unable to complete their work duties without severe harm to themselves. In spite of efforts to deny claims, many disabled workers can actually get back payments if they pursue a legal remedy.
If you or someone you know has dealt with these denials, get a free consultation with a disability insurance lawyer at the Unum/UnumProvident Disability Insurance Claim Denial Class Action Lawsuit Investigation. Finding the right legal representation ensures the best possible result at the administrative hearing. Considering that bills can mount quickly, act now to get the results the facts of your claim merit.
Updated February 26th, 2013
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