What is a Self-Reported Disabling Condition?
A self-reported disabling medical condition is one that is based on self-reporting and cannot be confirmed through objective evidence and testing. Objective evidence includes MRIs, X-rays, laboratory tests, and other objective tests and examinations.
Examples of self-reported conditions include headaches and/or migraines and conditions based on fatigue.
What is Unum’s Self-Reported Limitation?
It is a limitation provision in UNUM’s long-term disability (“LTD”) policy that states that payments of an LTD benefit due to a disabling condition based on self-reported limitations is limited to 24 months.
My Benefits Were Terminated Based on the Self-Reported Limitation. Does This Mean I am no Longer Entitled to Benefits?
Not necessarily. If your benefits were terminated based on the Self-Reported Limitation in the LTD policy, all hope is not lost.
UNUM has been applying the limitation broadly to cases of fibromyalgia or even chronic pain cases where there is objective medical evidence that confirms the claimant’s reports of pain. Courts have previously found that this is improper.
It is important to evaluate each case and medical condition individually to determine whether UNUM applied the limitation properly or is using the limitation to improperly deny valid claims.
Our Lawyers Specialize in Disability Insurance Claims
Because our law firm has always focused only on disability insurance, our lawyers are experts in legal representation for disability insurance benefits.
That means our disability lawyers have:
1. Won several major disability lawsuits that help make better law for disability claimants;
2. Experience fighting every major insurance company, such as UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
3. Successfully represented hundreds of clients and won millions of dollars in disability benefits.
Because federal law applies to most disability insurance claims, we can help clients across the country.
Disability insurance companies have lawyers. You should too. Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Call Dabdoub Law Firm today at (800) 969-0488for a free consultation with a disability attorney. No fees or costs until you get paid.
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