Unum Life Disability Claim Denials

Have you had a claim for disability insurance rejected, delayed, or reduced by an Unum Life? Speak to Ronstadt Law today to get the support you need.

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Insurance Companies We’ve Challenged

  • Unum Provident
  • Unum Life
  • Metlife
  • Sunlife
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard

Why Do People Turn to Us?

Ronstadt Law is the legal practice of choice for so many individuals because of our core mission: to make sure that the individuals who make claims for insurance have the support, advice, and representation that they need. Too many times, massive multi-million dollar insurance companies like those within the Unum Group deny, delay, or diminish insurance claims for no good reason – we believe that this is unacceptable and that they should be held to account.

Why Hire Us?

We have years of experience litigating against Unum.

We only ever take cases on a no-win, no-fee basis – if we do not win you a payout for your claim, then you do not have to pay us.
The Ronstadt Law team has the experience and skills you need to fight back and make sure that Unum Life companies are not taking advantage of you and your situation.
We are well-regarded within the legal industry for the quality of our legal advice, and our focus on client satisfaction.
Our attorneys will take your case on no matter how complex, and whether or not it is likely to be resolved outside the court or through litigation in front of a judge and jury.

Unum Life Insurance

The Unum Group, also sometimes known as Unum Life, is a group of insurance companies that operate around the world. The company was founded in the middle of the 19th century and has grown to become one of the largest companies in the US – with 2020 revenues of $13.16 billion, and a continuing position on the Fortune 500 list.

Companies that fall under the Unum Group umbrella include:

  • Colonial Life
  • Duncanson & Holt Inc.
  • First Unum Life Insurance Company
  • Paul Revere Corp.
  • Northwind Holdings, LLC
  • Colonial Companies, LLC
The Unum Group collects billions of dollars every year in insurance premiums from regular Americans like you. Most of the time, you are happy to pay that money: you believe that you are getting something in return in the form of financial protection/compensation should an accident happen. Often though, when it comes to actually making a disability claim, that insurance company that you trusted (and paid) for so long will give you the runaround – using various tricks and loopholes to make sure that your payment is delayed as long as possible, the least amount of money it can be, or outright denied.

If your disability insurance is with one of the companies, or any Unum Group company, then the team at Ronstadt Law can help you to get the payout that you deserve.

Why does Unum delay claims?

Insurance companies like the Unum Group make a lot of their annual profits from investments – indeed, some of the largest investors in global marketplaces are insurance companies. How do they make those investments? With the premiums that you pay to them – they group all of the money that they collect and invest it to make more.

That would be fine if it was not for the fact that this is also why your payment is delayed. The longer that the insurer can keep the money in the markets, the longer they can keep making a profit from it – even if you are struggling to get through your daily life as you wait for the money that is rightfully yours.

If you feel that you are being subjected to unnecessary or excessive delays in processing your claim for disability, then get in touch today. We will make sure you get paid as soon as possible so that you can start to move forward with your life.

What can you do when Unum denies your claim?

Your insurance company may completely deny the payment for your claim, even though it should be covered and you did everything correctly and were fully paid up. They do this by using legal loopholes, ambiguous terms and conditions, and other tricks of the trade – all of which are known as ‘bad faith’ practices.

Acting in bad faith is against the law in the United States of America. If you feel that you have had your Unum disability insurance claim denied for no legitimate reason, then you need to get in touch with Ronstadt Law. Our team of specialist attorneys will make sure that you and your best interest are protected and defended, and that you are not taken advantage of.

Some of the behavior that we fight back against include when the insurance company:

  • Sends you so much paperwork and documentation that you are overwhelmed
  • Uses a medical expert that is not appropriate for your situation
  • Misinterprets the terms of your coverage
  • Fails to communicate with you
  • Ignores or minimizes medical evidence

Unum Appeal Process

If you believe that any of the above is happening to you, or you otherwise feel that your claim has been delayed or denied through bad faith, then you may need to appeal depending on the law. An appeal is a written request for the insurance company to reconsider evidence and its wrongful decision.

Appeals are subject to legal rules of their own. For example, an ERISA-governed appeal must be filed within a certain timeframe, and in the correct way, with supporting documentation. This can be where a lot of cases fail – misfiling your appeal can have serious ramifications, including the loss of your claim and legal rights. You should take advantage of the services of an experienced long-term disability attorney to help you prepare and file your appeal – especially if the federal law, ERISA, governs your claim.

100% free evaluation

If you are having difficulties in getting the full compensation that you are due from Unum, or any other insurance company, then we can help you. We can assess your case completely free and with no obligation, and advise you on the best way for you to move forward.

The Types of Cases We Manage

Long-Term Disability Claims

Long-Term Disability Claims

Long-Term Care Claims

Long-Term Care Claims

Life Insurance Claims

Life Insurance Claims

Insurance Bad Faith

Insurance Bad Faith



Insurance Appeals

Insurance Appeals

When to reach out to an attorney for help.

Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.

Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.

Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt

Founding Partner

Kyle Shelton

Kyle Shelton

Senior Partner

five star

Ray Ortega | July 2021

In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

If you feel that Aetna, Hartford, or a subsidiary has wrongfully denied or delayed your claim for long-term disability, life insurance, or long-term care, then get in touch. Ronstadt Law will assess your case with absolutely no charge to you, and give you an expert opinion of your options moving forward.

Please note that Ronstadt Law has discretion to consider potential clients and can refuse to provide a free evaluation depending on several factors, including existing client commitments.

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