How to Appeal Your UNUM Long-Term Disability Claim Denial

In this video, a UNUM Insurance Claim Denial Lawyer explains how to appeal your UNUM long-term disability claim denial. Learn what steps to take, what evidence can strengthen your appeal, and how to present a compelling case for benefits.

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!important;-webkit-mask-image:var(--rpi-star-mask) !important;-webkit-mask-repeat:no-repeat !important;-webkit-mask-position:center !important;-webkit-mask-size:contain !important;mask-image:var(--rpi-star-mask) !important;mask-repeat:no-repeat !important;mask-position:center !important;mask-size:contain !important}.rpi-star[data-rating]:empty::after{background-color:var(--rpi-star-color)}.rpi-star+.rpi-stars{--stars-offset:1;--stars:calc(var(--stars-max) - var(--stars-offset))}.rpi-stars{--star-size:var(--rpi-star-size,18px);--star-color:var(--rpi-star-color);--empty:var(--rpi-star-empty);--mask:var(--rpi-star-mask);--stars:5;--icon-scale:1;--rating-scale:.8;--gap:var(--star-gap,2px);--stars-w:calc(var(--stars) * ( var(--star-size) + var(--star-gap) ));--fill:calc(( var(--rating) / var(--stars) ) * 100%);--bg-size:calc(var(--star-size) * var(--icon-scale));--bg-size-x:calc(var(--bg-size) + var(--star-gap));position:relative !important;display:inline-flex !important;align-items:center !important;align-self:var(--star-align-self,start) !important;width:max-content !important;height:var(--star-size) !important;font-size:calc(var(--star-size) * var(--rating-scale)) !important;font-weight:900 !important;color:var(--rpi-rating-color,var(--star-color)) !important;white-space:nowrap !important;vertical-align:middle !important;padding-right:calc(var(--stars-w) + var(--gap)) !important}.rpi-stars:empty{--gap:calc(-1 * ( var(--star-gap) / 2 + 1px ))}.rpi-stars::before{content:"" !important;position:absolute !important;top:50% !important;right:0 !important;width:var(--stars-w) !important;height:var(--star-size) !important;transform:translateY(-50%) !important;background-color:var(--star-color) !important;-webkit-mask-image:var(--empty) !important;-webkit-mask-repeat:repeat-x !important;-webkit-mask-position:left center !important;-webkit-mask-size:var(--bg-size-x) var(--bg-size) !important;mask-image:var(--empty) !important;mask-repeat:repeat-x !important;mask-position:left center !important;mask-size:var(--bg-size-x) var(--bg-size) !important}.rpi-stars::after{content:"" !important;position:absolute !important;top:50% !important;right:0 !important;width:var(--stars-w) !important;height:var(--star-size) !important;transform:translateY(-50%) !important;background-color:var(--star-color) !important;-webkit-mask-image:var(--mask) !important;-webkit-mask-repeat:repeat-x !important;-webkit-mask-position:left center !important;-webkit-mask-size:var(--bg-size-x) var(--bg-size) !important;mask-image:var(--mask) !important;mask-repeat:repeat-x !important;mask-position:left center !important;mask-size:var(--bg-size-x) var(--bg-size) !important;clip-path:inset(0 calc(100% - var(--fill)) 0 0) !important}.rpi-stars-yelp{--icon-scale:var(--rpi-icon-scale-yelp);--empty-color:var(--rpi-yelp-empty-color);--five-color:var(--rpi-yelp-five-color);--four-color:var(--rpi-yelp-four-color);--three-color:var(--rpi-yelp-three-color);--two-color:var(--rpi-yelp-two-color);--one-color:var(--rpi-yelp-one-color);--star-size:var(--rpi-star-size);--rating:0;--gap:4px;--radius:var(--rpi-yelp-radius);display:inline-flex !important;gap:var(--gap) !important;line-height:0 !important;vertical-align:top !important}.rpi-stars-yelp i{position:relative !important;display:inline-block !important;font-style:normal !important;flex:0 0 auto !important;width:var(--star-size) !important;height:var(--star-size) !important;border-radius:var(--radius) !important;background-color:var(--empty-color) !important;background-image:linear-gradient(90deg,var(--star-color) 0 calc(var(--fill,0) * 1%),transparent calc(var(--fill,0) * 1%)) !important;background-repeat:no-repeat !important;background-size:100% 100% !important;box-sizing:border-box !important}.rpi-stars-yelp i::after{content:"" !important;position:absolute !important;inset:0 !important;background-color:#fff !important;-webkit-mask-image:var(--rpi-star-mask) !important;-webkit-mask-repeat:no-repeat !important;-webkit-mask-size:calc(70% / var(--icon-scale)) calc(70% / var(--icon-scale)) !important;-webkit-mask-position:center !important;mask-image:var(--rpi-star-mask) !important;mask-repeat:no-repeat !important;mask-size:calc(70% / var(--icon-scale)) calc(70% / var(--icon-scale)) !important;mask-position:center !important}.rpi-stars-yelp,.rpi-stars-yelp[data-rating]::before{content:attr(data-rating);color:var(--rpi-rating-color,var(--star-color));font-size:var(--head-grade-fs,18px);font-weight:var(--head-grade-weight,900)}.rpi-stars-yelp i:first-child{--fill:clamp(0,(var(--rating) - 0) * 100,100)}.rpi-stars-yelp i:nth-child(2){--fill:clamp(0,(var(--rating) - 1) * 100,100)}.rpi-stars-yelp i:nth-child(3){--fill:clamp(0,(var(--rating) - 2) * 100,100)}.rpi-stars-yelp i:nth-child(4){--fill:clamp(0,(var(--rating) - 3) * 100,100)}.rpi-stars-yelp i:nth-child(5){--fill:clamp(0,(var(--rating) - 4) * 100,100)}.rpi-stars-yelp[data-stars^="1"]{--rating:1.5;--star-color:var(--one-color)}.rpi-stars-yelp[data-stars="1"]{--rating:1}.rpi-stars-yelp[data-stars^="2"]{--rating:2.5;--star-color:var(--two-color)}.rpi-stars-yelp[data-stars="2"]{--rating:2}.rpi-stars-yelp[data-stars^="3"]{--rating:3.5;--star-color:var(--three-color)}.rpi-stars-yelp[data-stars="3"]{--rating:3}.rpi-stars-yelp[data-stars^="4"]{--rating:4.5;--star-color:var(--four-color)}.rpi-stars-yelp[data-stars="4"]{--rating:4}.rpi-stars-yelp[data-stars^="5"]{--rating:5;--star-color:var(--five-color)}.rpi-stars-tripadvisor{--empty-color:#fff;--border-color:#5ba672;--fill-color:#5ba672;--rpi-dot-size:var(--rpi-star-size);--rating:0;--gap:4px;--border:3px;display:inline-flex !important;gap:var(--gap) !important;line-height:0 !important;vertical-align:top !important}.rpi-stars-tripadvisor i{width:var(--rpi-dot-size) !important;height:var(--rpi-dot-size) !important;display:inline-block !important;position:relative !important;flex:0 0 auto !important;box-sizing:border-box !important;border-radius:999px !important;border:var(--border) solid var(--border-color) !important;background-color:var(--empty-color) !important;background-image:linear-gradient(90deg,var(--fill-color) 0 calc(var(--fill,0) * 1%),transparent calc(var(--fill,0) * 1%)) !important;background-repeat:no-repeat !important;background-size:100% 100% !important}.rpi-stars-tripadvisor,.rpi-stars-tripadvisor[data-rating]::before{content:attr(data-rating);color:var(--rpi-rating-color,var(--fill-color));font-size:var(--head-grade-fs,18px);font-weight:var(--head-grade-weight,900)}.rpi-stars-tripadvisor i:first-child{--fill:clamp(0,(var(--rating) - 0) * 100,100)}.rpi-stars-tripadvisor i:nth-child(2){--fill:clamp(0,(var(--rating) - 1) * 100,100)}.rpi-stars-tripadvisor i:nth-child(3){--fill:clamp(0,(var(--rating) - 2) * 100,100)}.rpi-stars-tripadvisor i:nth-child(4){--fill:clamp(0,(var(--rating) - 3) * 100,100)}.rpi-stars-tripadvisor i:nth-child(5){--fill:clamp(0,(var(--rating) - 4) * 100,100)}.rpi-stars-tripadvisor[data-stars^="1"]{--rating:1.5}.rpi-stars-tripadvisor[data-stars="1"]{--rating:1}.rpi-stars-tripadvisor[data-stars^="2"]{--rating:2.5}.rpi-stars-tripadvisor[data-stars="2"]{--rating:2}.rpi-stars-tripadvisor[data-stars^="3"]{--rating:3.5}.rpi-stars-tripadvisor[data-stars="3"]{--rating:3}.rpi-stars-tripadvisor[data-stars^="4"]{--rating:4.5}.rpi-stars-tripadvisor[data-stars="4"]{--rating:4}.rpi-stars-tripadvisor[data-stars^="5"]{--rating:5}.rpi-star-fb{--icon-scale:var(--rpi-icon-scale-fb);--size:var(--rpi-star-size,18px);--color:var(--rpi-fb-color,#fa3e3e);--radius:var(--rpi-fb-radius,3px);--tail-w:calc(var(--size) / 3);--tail-h:calc(var(--size) / 3.6);--tail-offset:calc(var(--size) / 4.5);--tail-overlap:1px;--gap:.25em;--label-scale:.85;--fb-star:url("data:image/svg+xml;utf8,%3Csvg xmlns=\'http://www.w3.org/2000/svg\' viewBox=\'0 0 24 24\'%3E%3Cpath d=\'M10.7881 3.21068C11.2364 2.13274 12.7635 2.13273 13.2118 3.21068L15.2938 8.2164L20.6979 8.64964C21.8616 8.74293 22.3335 10.1952 21.4469 10.9547L17.3295 14.4817L18.5874 19.7551C18.8583 20.8908 17.6229 21.7883 16.6266 21.1798L11.9999 18.3538L7.37329 21.1798C6.37697 21.7883 5.14158 20.8908 5.41246 19.7551L6.67038 14.4817L2.55303 10.9547C1.66639 10.1952 2.13826 8.74293 3.302 8.64964L8.70609 8.2164L10.7881 3.21068Z\' fill=\'%23fff\'/%3E%3C/svg%3E");position:relative !important;display:inline-flex !important;align-items:center;align-self:var(--star-align-self,start);height:var(--size) !important;width:max-content !important;white-space:nowrap !important;font-size:calc(var(--size) * var(--label-scale)) !important;line-height:1 !important;padding-left:calc(var(--size) + var(--gap)) !important;text-shadow:.015em 0 0 currentColor}.rpi-star-fb::before{content:"" !important;position:absolute !important;left:0 !important;top:50% !important;transform:translateY(-50%) !important;width:var(--size) !important;height:var(--size) !important;background-color:var(--color) !important;border-radius:var(--radius) !important;background-image:var(--fb-star) !important;background-repeat:no-repeat !important;background-position:center !important;background-size:calc(70% / var(--icon-scale)) calc(70% / var(--icon-scale)) !important}.rpi-star-fb::after{content:"" !important;position:absolute !important;left:var(--tail-offset) !important;top:50% !important;width:0 !important;height:0 !important;transform:translateY(calc(var(--size) / 2 - var(--tail-overlap))) !important;border-top:var(--tail-h) solid var(--color) !important;border-right:var(--tail-w) solid transparent !important}.rpi-star-fb[data-rating="1"]{--color:#ccc}.rpi{--slider-btn-size:16px;--slider-btn-bg:var(--card-bg,#f5f5f5);--slider-btn-color:#777;--slider-btn-padding:calc(var(--slider-btn-size) / 2);--slider-btn-bw:1px;--slider-btn-bc:#ccc;--slider-btn-fs:calc(var(--slider-btn-size) + var(--slider-btn-bw));--slider-btn-shadow:0 2px 6px rgba(0,0,0,.15);--slider-btn-full:calc(var(--slider-btn-size) + ( var(--slider-btn-padding) * 2 ) + ( var(--slider-btn-bw) * 2 ));--slider-btn-offset:0px;--slider-btn-out:calc(var(--slider-btn-full) / 2);--slider-btn-pos:calc(var(--slider-btn-out) + var(--slider-btn-offset));--slider-offset:calc(var(--slider-btn-out))}.rpi .rpi-slides{display:flex !important;flex:1 !important;gap:var(--slider-gap,var(--card-gap,8px)) !important;flex-wrap:nowrap !important;overflow:hidden !important;overflow-x:auto !important;scroll-snap-type:x mandatory !important;scroll-behavior:var(--rpi-slider-behavior,smooth) !important;-webkit-overflow-scrolling:touch !important;scrollbar-width:none !important}.rpi .rpi-slides::-webkit-scrollbar{display:none !important}.rpi .rpi-slide{overflow:hidden !important;padding:4px 3px !important;scroll-snap-align:start !important;transition:transform .5s !important}.rpi .rpi-slides-bite{--offset:var(--slides-bite-offset,6px);--alpha:.2px;--shift:var(--slider-btn-offset);--radius:calc(var(--slider-btn-out) + var(--offset));-webkit-mask:var(--slider-bite,radial-gradient(circle var(--radius) at calc(0% - var(--shift)) 50%,transparent 0,transparent calc(var(--radius) - var(--alpha)),#000 calc(var(--radius) + var(--alpha))),radial-gradient(circle var(--radius) at calc(100% + var(--shift)) 50%,transparent 0,transparent calc(var(--radius) - var(--alpha)),#000 calc(var(--radius) + var(--alpha))),linear-gradient(#000 0 0));-webkit-mask-repeat:no-repeat;-webkit-mask-size:100% 100%;-webkit-mask-composite:source-in,source-in;margin:0 var(--slider-offset,0)}.rpi .rpi-ltgt{--margin:calc(-1 * var(--slider-btn-pos) + var(--slider-offset,0px));position:var(--slider-btn-position,absolute) !important;padding:var(--slider-btn-padding) !important;border-radius:50% !important;border:var(--slider-btn-bw) solid var(--slider-btn-bc) !important;background-color:var(--slider-btn-bg) !important;box-shadow:var(--slider-btn-shadow) !important;transition:background-color .2s ease-in-out !important;z-index:1 !important}.rpi .rpi-ltgt:active{box-shadow:none !important}.rpi .rpi-ltgt.rpi-lt{left:0 !important;margin-left:var(--margin) !important}.rpi .rpi-ltgt.rpi-gt{right:0 !important;margin-right:var(--margin) !important}.rpi-gt::after,.rpi-lt::before{position:relative !important;content:"";display:block;width:var(--slider-btn-size);height:var(--slider-btn-size);background-color:var(--slider-btn-color)}.rpi-lt::before{-webkit-mask:var(--rpi-lt);mask:var(--rpi-lt)}.rpi-gt::after{-webkit-mask:var(--rpi-gt);mask:var(--rpi-gt)}[dir=rtl] .rpi-gt::after,[dir=rtl] .rpi-lt::before{transform:rotate(180deg)}.rpi .rpi-dots-wrap{position:absolute !important;top:calc(100% - 1px) !important;left:0 !important;right:0 !important;display:flex !important;justify-content:center !important;margin:0 auto !important;padding-top:var(--slider-dot-padding-top,.5em) !important;max-width:100% !important;width:calc(var(--slider-dots-visible) * var(--slider-dot-size) + ( var(--slider-dots-visible) - 1 ) * var(--slider-dot-gap)) !important}.rpi .rpi-dots{display:flex;flex-wrap:nowrap;overflow-x:scroll !important;gap:var(--slider-dot-gap);scrollbar-width:none;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch}.rpi-dots .rpi-dot{display:inline-block !important;width:var(--slider-dot-size) !important;height:var(--slider-dot-size) !important;margin:0 !important;padding:0 !important;opacity:.4 !important;vertical-align:middle !important;flex:1 0 auto !important;transform:scale(.6) !important;scroll-snap-align:center !important;border-radius:20px !important;background-color:var(--slider-dot-color,#999) !important}.rpi-dots .rpi-dot:hover{opacity:1 !important}.rpi-dots .rpi-dot.active{opacity:1 !important;transform:scale(.95) !important;background-color:var(--slider-act-dot-color,#fb8e28) !important}.rpi-dots .rpi-dot.s2{transform:scale(.85) !important}.rpi-dots .rpi-dot.s3{transform:scale(.75) !important}.rpi button{all:revert !important;margin:0 !important;padding:0 !important;box-shadow:none !important;border-radius:0 !important;line-height:1 !important;font:inherit !important;color:inherit !important;text-align:center !important;cursor:pointer !important;border:0 !important;background:0 0 !important;appearance:none !important;-webkit-appearance:none !important;user-select:none !important}.rpi button:focus{outline:0 !important}.rpi button:focus-visible{outline:2px solid currentColor !important;outline-offset:2px !important}.rpi-x{position:absolute;top:var(--x-top,6px) !important;right:var(--x-right,8px) !important;display:flex !important;align-items:center;justify-content:center;width:var(--x-width,20px) !important;height:var(--x-height,20px) !important;cursor:pointer;opacity:var(--x-opacity,.65);border-radius:50%;background-color:var(--x-bg,#fafafa);z-index:2147483003}.rpi-x:hover{opacity:1}.rpi-x::after,.rpi-x::before{content:"";position:absolute;display:block;width:var(--x-line-width,12px);height:var(--x-line-height,1px);border-radius:2px;background-color:var(--x-color,#373737)}.rpi-x::before{transform:rotate(45deg)}.rpi-x::after{transform:rotate(-45deg)}.rpi-x.rpi-xa::before{--x-line-width:7px;--x-line-height:7px;top:4px;border-radius:0;border-right:1px solid #373737;border-bottom:1px solid #373737;background-color:transparent}.rpi-x.rpi-xa::after{content:none}.rpi-bubble:after{content:"";position:absolute;top:-8px;left:16px;bottom:auto;border-style:solid;border-width:0 8px 8px;border-color:#fff transparent}.rpi-fade{-webkit-transition:opacity 150ms ease,-webkit-transform 150ms ease;transition:opacity 150ms ease,-webkit-transform 150ms ease;transition:transform 150ms ease,opacity 150ms ease;transition:transform 150ms ease,opacity 150ms ease,-webkit-transform 150ms ease}.rpi-lightbox-wrap{--x-top:15px;--x-right:15px;--x-bg:none;--x-color:#ececec;--x-line-width:25px;--x-line-height:3px;--x-opacity:1}.rpi-lightbox{--x-top:15px;--x-right:15px;--x-bg:none;--x-color:#ececec;--x-line-width:25px;--x-line-height:3px;--x-opacity:1;position:fixed;top:0;left:0;right:0;bottom:0;display:flex;align-items:center;justify-content:center;flex-wrap:wrap;width:100%;height:100%;max-width:100%;color:#333;text-align:left;z-index:2147483003;user-select:none;background-color:rgba(0,0,0,.6);transition:all .3s ease-out}.rpi-lightbox-inner{width:95%;max-width:1200px;height:100%;max-height:calc(100vh - 80px);max-height:calc(100dvh - 80px)}@supports (container-type:inline-size){.rpi-lightbox-xxx{container-name:lightbox;container-type:inline-size}}.rpi-lightbox-xxx{position:relative;display:flex;justify-content:center;height:100%;border:none;overflow:auto;border-radius:4px;-webkit-overflow-scrolling:touch}.rpi-lightbox-content{position:relative;display:flex;flex-direction:row;justify-content:flex-start;color:#000;height:100%;flex-direction:row;border-radius:4px;background-color:#fff}.rpi-lightbox-media{position:relative;display:flex;justify-content:center;flex:2;align-items:center;width:100%;height:100%;overflow:hidden;padding-bottom:0;background-color:#000}.rpi-lightbox-btn{position:absolute;display:flex;width:30px;height:30px;font-size:36px;line-height:22px;justify-content:center;z-index:1;cursor:pointer;border-radius:50%;background-color:rgba(214,214,214,.7);transition:background .3s ease-in-out}.rpi-lightbox-btn:hover{background:#e1e1e1}.rpi-lightbox-prev{left:8px}.rpi-lightbox-next{right:8px}.rpi-lightbox-prev::before{content:"‹"}.rpi-lightbox-next::before{content:"›"}.rpi-lightbox-media img{position:relative;display:block;width:100%;height:100%;max-width:100%;max-height:100%;opacity:1;object-fit:contain;border-radius:inherit;transition:opacity .3s ease-in-out}.rpi-lightbox-review{display:flex;flex-direction:column;flex:1;height:100%;font-size:15px;color:#000;padding:0}@supports (container-type:inline-size){@container lightbox (width < 480px){}}body .uwy.userway_p5 .userway_buttons_wrapper{bottom:92px !important;left:30px !important}