For anyone who has been denied benefits by Unum, The Hartford, Cigna, or any other insurance company, this is very, very important. According to the U.S. Department of Labor, 75% of long-term disability claims are denied each year! And, unfortunately, many people also lose their appeals. Here is the good news! Many people are winning lawsuits against their insurance company and getting paid the benefits they deserve. And, it costs nothing out of pocket to file a lawsuit against the insurance com