Union Security Long Term Disability Claims and Appeals

Union Security Insurance Company (“USIC”) is a long term disability insurer and plan administrator. USIC is rooted in Assurant, a global provider of risk management solutions serving 300 million lives worldwide. A Long Term Disability insurance policy with Union Security should pay you a monthly benefit if you are unable to work due to a disabling accident injury or illness. Unfortunately, Union Security does not always approve long term disability claims when it should. As experienced LTD insurance attorneys, the Ortiz Law Firm has represented clients with their long term disability claims against Union Security.

Union Security Disability Insurance Policy

Long Term Disability insurance should provide comprehensive, long term benefits that would cover a disability caused by an accident or sickness. A sample Union Security Plan definition of the term disability is as follows:

During the first 24 months of a period of disability (including the qualifying period), an injury, sickness, or pregnancy requires that you be under the regular care and attendance of a doctor, and prevents you from performing at least one of the material duties of your regular occupation; and
After 24 months of disability, an injury, sickness, or pregnancy prevents you from performing at least one of the material duties of each gainful occupation for which your education, training, and experience qualifies you.