Unum Life Insurance Company of America Denied Life Insurance Claim Attorney
Did Unum Deny or Delay Your Life Insurance Claim?
If Unum Life Insurance Company of America denied your life insurance claim, you do not have to accept that decision. Many Unum denials are wrongful — and with the right legal representation, they can be reversed.
At Kadetskaya Law Firm LLC, our life insurance attorneys represent beneficiaries and policyowners nationwide whose claims have been denied or delayed by Unum. We work on a contingency fee basis, which means you pay no attorney fees unless we recover your benefits.
Call (888) 510-2212 for a free consultation — we are ready to review your case today.
Why Did Unum Deny Your Claim?
Unum Life Insurance Company of America denies life insurance claims for a variety of reasons. We have handled them all:
- Material misrepresentation on portability applications
- Policy lapse and failure to pay premiums
- Pre-existing condition exclusions
- Disability and waiver of premium denials
- ERISA group plan denials
- Contestability period investigations
- Beneficiary designation disputes
Regardless of the reason given in your denial letter, you should not take Unum's decision at face value. Insurance companies are required to follow strict legal standards when denying claims, and many denials do not hold up under legal scrutiny.
What You Need to Know About Unum Denials
Unum has been the subject of significant regulatory action for systemic claim denial practices. Our firm has direct experience recovering denied claims from Unum, including a case involving alleged material misrepresentation on a portability application.
If your claim was denied, you have the right to appeal — and in many cases, to file a lawsuit. The key is acting quickly. Deadlines apply, especially for employer-provided life insurance policies governed by ERISA. Missing an appeal deadline can permanently bar your right to recover.
Our Experience Fighting Unum
Our firm recovered benefits from Unum for several denied and delayed claims, involving group life insurance and ERISA claims.
Our attorneys have recovered millions of dollars in denied and delayed life insurance claims against major insurers including Unum. We know the tactics these companies use and how to counter them.
How We Can Help You
When you contact our firm, we will:
- Review your denial letter and policy at no charge
- Explain your legal options in plain language
- Handle all communications with MetLife on your behalf
- File an administrative appeal or lawsuit if necessary
- Fight for the full death benefit your family is owed
You are not alone in this. Our clients come to us at one of the most difficult times in their lives — after losing a loved one and then facing a denied insurance claim. We take that responsibility seriously.
No Fees Unless We Win
Our firm works on a contingency fee basis. That means:
- No upfront costs
- No hourly fees
- You only pay if we recover your benefits
Free Consultation — Call (888) 510-2212
If UNUM denied or delayed your life insurance claim, call us now for a free, confidential case evaluation. We represent clients nationwide.
Kadetskaya Law Firm LLC
630 Freedom Business Center Dr, 3rd Floor
King of Prussia, PA 19406
Phone: (888) 510-2212
Email: info@life-insurance-lawyer.com
The information on this page is for general informational purposes only and does not constitute legal advice. Contact our firm directly for advice specific to your case.