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How to Respond to UNUM’s Demand for Your Social Security Disability File > Insurance Carriers  > How to Respond to UNUM’s Demand for Your Social Security Disability File

How to Respond to UNUM’s Demand for Your Social Security Disability File

If you are a long term disability policy holder with UNUM and have filed for disability benefits, you might be asked to sign a release of your Social Security file.UNUM Disability File

UNUM routinely rejects claimants who get Social Security Disability benefits and it’s not uncommon to see in their denial letters language that says “after thoroughly giving you due consideration to the findings of the Social Security Administration, I, Dr. Paid to Say No, disagree with the Social Security findings. Social Security didn’t have the benefit of our UNUM peer review providers and they didn’t have the ability to review her activity of daily living forms or the surveillance.”

Long term disability carriers, like UNUM, give little credence to Social Security Administration decisions.

If they have asked for a Social Security release, sign the release with the provisions  that: 1. They provide you with a copy of the Social Security file; and 2. That they make a decision on your claim within the appeal period. Don’t let UNUM delay the decision on your claim while they wait for Social Security to produce a copy of your file.

Better yet, contact an experienced long term disability attorney such as UNUM long term disability claim denied attorney Nancy Cavey.

Have a Long Term Disability Claim From UNUM?

Long term disability carriers, like UNUM, don’t always make it easier for their long term disability policy holders to get the benefits they deserve, asking for release of your Social Security file is just one way that they will delay the decision on your UNUM disability claim. Nancy Cavey can help you cut through the red tape and fight for your UNUM disability benefits no matter where you live in the United States. Contact her today at 727.894.3188.  The consultation is free.


  • Maureen Corless
    Reply June 4, 2018 at 10:19 am

    Will UNUM Long term disability expect any potential back pay from Social Security disability?

    • Nancy L. Cavey
      Reply June 7, 2018 at 10:39 am

      Potentially. You will need to secure a copy of your Unum Long Term Disability policy and look for an “Other Income Benefits” section. If you obtain a copy of your policy and are unable to locate the provision, please contact my office who will be more than happy to take a look at your policy.

  • Mark Nadeau
    Reply July 24, 2019 at 1:01 am

    These companies are no better than the mob, I am with Unum unfortunately and the way they tell you things is very misleading leading me to believe that the overpayment would be over or above what SSDI pays me, now that I won my case with SSDI Unum is now trying to get all my retro pay and a portion of my daughters without a care in the world that I have bills I need to pay with that money because of being put off work permanently. I feel like telling them to take a hike. They are an insurance company by god and no other insurance provider gives you money on a claim then demands it back, this company makes over $936 million a year off their scam they need to be put out of business

    • Nancy Cavey
      Reply August 1, 2019 at 1:37 pm

      If you have a copy of your policy, please contact my office so we can look at it. There are provisions in some policies that allow Unum, and other disability insurance carriers, to take dependent Social Security Disability benefits, but it’s always safe to make sure that it is in your policy. Please e-mail your policy to or fax to 727-821-2751 so that we can look into this for you.

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