How Unum Denies Disability Claims
Unum’s denials aren’t random — they follow a playbook refined over decades. Knowing the tactics is the first step to beating them. Here are the ones we see most, and how we counter each.
- TACTIC 01
Paper-only reviews
Unum decides your claim from a file review by a doctor who never examines or even meets you.
Our counter: We put a thorough, current treating-physician record on file that a paper review can’t wave away.
- TACTIC 02
Overriding your doctor
Their in-house medical staff quietly rewrite your limitations to say you can work.
Our counter: We document your restrictions with objective testing and specialist opinions that carry weight.
- TACTIC 03
Surveillance & social media
They film you on one “good day” or scrape your posts to argue you’re not disabled.
Our counter: We put your full range of bad days on the record so a single clip proves nothing.
- TACTIC 04
The “any occupation” switch
After 24 months many policies change the test from your job to “any job” — and Unum pounces.
Our counter: We anticipate the switch and build vocational evidence that meets the tougher standard.
- TACTIC 05
Pre-existing condition denials
They comb your history for any prior symptom to call your condition pre-existing.
Our counter: We show the timeline and medical facts that defeat a pre-existing-condition defense.
- TACTIC 06
The deadline trap
Short ERISA windows and “lost” paperwork run out your clock and forfeit your appeal.
Our counter: We track every deadline and file complete, on-time appeals — nothing slips.