It is critical to understand the timeline for an Unum disability claim—both in terms of getting your claim filed in a timely manner and making certain that Unum has the supporting materials it needs. According to Unum, short-term disability claims typically receive a payment decision within 5 business days, but the company says that “more complicated” medical conditions can result in a payment decision taking up to 30 days. Long-term disability claims typically take 35 to 45 days to process, according to Unum.
You should remember that the insurance company is going to do everything it can to try to show that you are not entitled to benefits. An Unum disability benefits lawyer can help to prove that your medical condition means you are eligible for Unum disability benefits.