HomeInsurance CarriersUnum Life Insurance Company

Unum Life Insurance Company


Bartolic Law handles Long Term Disability cases at all stages, from filing a claim to lawsuits under ERISA § 502(a). We are who the most discerning clients hire when an insurer denies their claim, and the one they wish they had when another firm loses their appeal and abandons the case. We are Innovative, Authentic, Compassionate, Transparent and Chicago strong. Bartolic Law is nationally renowned for our Innovative work:

Bartolic Law has helped many clients, across all lines of work, get their long-term disability claims and denials paid by Unum. In one case, a client with arthritic knees was denied long term disability because Unum asserted the client’s occupation could be done sitting down. We persuaded Unum the occupation could not be performed sitting. In another case, our client could no longer perform the client’s occupation due to loss of a license, triggered by the medical condition. Unum denied the claim based on policy language that loss of a license does not entitle the insured to benefits. We persuaded Unum the license loss was due to the medical impairments, and not independent of it. we were able to persuade Unum that our client’s spinal degeneration rendered the client unable to sit in sufficiently long intervals or enough total in a day to work at a sedentary occupation, even if it allows alternating from sitting to standing. We have also helped a disabled anesthesiologist with lasting impairment from a cardiac event claim Unum disability insurance and maintain the claim in pay status.

Unum Life Insurance Company

Unum Life Insurance Company has grown to become one of the largest insurers of group-long term disability insurance policies, enforced under ERISA § 502(a) in the country. It also maintains a large number of individual disability insurance policies, many inherited through acquired insurers like Paul Revere Life Insurance Company, or Provident Life and Accident Insurance Company. If you bought a policy from one of these insurers, Unum now handles your policy and claim. Years ago, the public learned that Unum abused the long-term disability claim review practice, being overly aggressive with discretionary clauses and believing there would be few consequences. Unum frequently place too little weight on your doctors’ assessments, and selectively believe their own hired consultants to review your file (not examine or treat you) instead, even when the consultants do not accurately describe the medical records.

Unum refers to its hired medical reviewers as independent medical reviewers, but it contracts the same vendors over and over, who in turn hire the same doctors to review the files. These medical reviewers often appear in many Unum court cases and get criticized by courts over and over again, yet Unum still relies upon them.

When medical reviewers criticize your doctors’ advice, and disagree regarding your abilities, they often rely upon evidence that is immaterial, ignore the pertinent evidence, and sometimes even just misstate the contents. When you are disabled, and a medical reviewer disagrees, finding the flaws in the process, rather than just asserting your doctors know better, is the best way to fight it.


Our Areas Of Practice

We Turn Denials Into Payments

How can we help you?

We’d Like to Learn About Your Case and
Determine How We Can Execute Our Strategy for Success©