Dentist With Neck Disorder Wins Unum and Protective Life Claim

Disability insurance attorney Greg Dell and Steven Dell discuss a successful disability claim for a dentist insured by Protective Life and Unum. The dentist, still working but impaired by chronic orthopedic issues, sought guidance before stopping work.

Steven helped carefully prepare and submit comprehensive claims to both insurers. Unum approved the claim, while Protective initially denied it based on a paper medical review. By proactively gathering strong medical evidence and securing a rebuttal from the treating physician, Steven convinced Protective to reverse its denial and pay back benefits. The case highlights the importance of early legal guidance, thorough documentation, supportive treating doctors, and ongoing claim management to secure and maintain disability benefits.