Unum Disability Settlements
There’s no single number for a Unum settlement — it depends on your policy and your circumstances. Here’s what shapes the value of a disability-denial case, and what a recovery can look like.
What a settlement actually represents
A disability settlement generally reflects two things: the benefits Unum already wrongly withheld, and the value of the future benefits you’re owed under the policy. Some cases resolve as a reinstatement of monthly payments; others as a single lump-sum buyout. Which is better for you depends on your age, health, and financial needs — and it’s a decision you shouldn’t make without advice.
What affects your recovery
Your monthly benefit
The dollar amount your policy pays each month is the foundation of any settlement.
Years of benefits left
A claim with many years remaining to the policy’s end (often age 65) is worth far more.
Own-occ vs. any-occ
Which disability standard applies to you heavily influences leverage and value.
Strength of the evidence
Objective medical proof and specialist support move the number up.
Lump sum vs. reinstatement
A buyout trades future monthly checks for one payment — the math matters.
How Unum has behaved
A record of clear bad-faith conduct can increase what you’re able to recover.
Before you accept a lump-sum buyout — call us
Unum often offers a buyout that looks large but is worth far less than your future benefits. We’ll tell you what your claim is really worth, at no cost.Get a free valuation →