Unum Disability Denial FAQs
Answers to the questions we hear most. Don’t see yours? A free case review is the fastest way to get guidance specific to your situation.
Who is Sokolove Law?
A national personal-injury firm founded in 1979 and BBB-accredited with an A+ rating. We are their disability-denial practice — your case is handled by Sokolove Law attorneys, led by managing attorney Ricky LeBlanc.
What does it cost to hire you?
Nothing upfront. We work on contingency — no hourly fees, no bills. You pay only if we recover your benefits, and the case review is always free.
I already got a denial letter — is it too late?
Usually not, but disability appeals run on strict, short deadlines (often 180 days under ERISA). The sooner we review your denial, the more of your options we can protect.
Why did Unum deny my claim?
Common reasons include “insufficient objective evidence,” a paper review by their own doctor, surveillance, the “any occupation” standard, or a pre-existing-condition argument. We’ll identify exactly which applies to you.
Should I accept a lump-sum buyout?
Not before you know what it’s worth. Buyouts often pay far less than your remaining benefits. Let us value your claim first — for free.
Do I have to sue Unum?
Not always. Many claims are resolved at the appeal stage once Unum sees a strong record. If a lawsuit is needed, we handle it.
How long does a Unum appeal take?
It varies, but ERISA gives Unum a set period to decide an appeal (generally 45 days, with a possible extension). We keep it moving and hold them to their deadlines.
Do you help in my state?
Yes — we help clients in all 50 states, and in some situations can travel to you at no cost.