Unum Life Insurance Company

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.