Consumer Complaints and Reviews
Unum only paid 5 weeks of short term disability for pregnancy (coverage did not begin until 7 days after delivery). I had a cesarean section delivery and was expecting the 8 weeks of disability recommended in the state of Florida but Unum denied payment after 5 weeks and denied an appeal after providing additional documentation. I had an upper respiratory infection prior to delivery and while hospitalized for the delivery I was diagnosed with pneumonia. I was discharged on time but required continued care under a pulmonologist. It complicated my recovery but it didn't matter to Unum. Given what I paid into the policy, it would have been wiser and more cost effective to put the money into a savings account.
When I tried to cancel my policy upon my return to work I was told to call back because the system was down. I called back and was told my policy was canceled and that a letter was sent. I followed up a week later because I had not received a letter and found out that the policy was not canceled and canceled it again. I received an email confirmation when signing up and received an email when I filed an online claim, but they could not send me an email to confirm cancellation. I am disgusted with this company and will never purchase a policy through them again. It is a scam.
Unum is a ripoff, they don't help with claims when they are submitted. You get nothing for paying your premiums. They are the worst company I have ever dealt with. They don't have direct deposit if you do get a claim. You pay them your money and they give you nothing. They deny every claim you put in, if you don't stay overnight in the hospital you get nothing if you file a claim. THE WORST COMPANY EVER!!! DO NOT WASTE YOUR MONEY WITH THIS COMPANY!!! YOU WILL GET NOTHING!!!
Aug. 19, 2016 I had abdominal surgery for the 6th time. We knew, and the doctor knew this was going to be a lengthy recovery. The process started out great, people on the phone were delightful and helpful. Things spiraled down from there. On 8/26 I received my normal paycheck for working up to 8/18. Unum stated given the nature of my surgery, I should return to work 8/30. I received a letter stating that following the 7 day waiting period I would receive a check for 3 days at 60% of my rate. I contacted my doctor to submit the necessary paperwork, to which they complied. 3 days later I called to check the status and I was informed the paperwork was insufficient. No one called me, they said I would receive a letter.
Long story short, the doctor's office re-sent paperwork 4 times with a tentative return to work date of Oct. 1. 3 weeks later I was paid a portion of what Unum owed me. For an insurance company, they "lose" paperwork a lot! People at the call center are hopeless, and my account specialist is a joke. The best part so far is the letter I received stating I was released from my doctor to return to work on 9/22/16. They have yet to produce documentation to prove that. They are FRAUDS. Short term disability is free through my employer, and good thing, because I will NEVER give this company a penny of my money... I am ready to seek legal counsel.
My employer uses Unum as our short term disability vendor. I have been with my employer for over a decade and after many bouts of stress/anxiety/panic and depression, I decided with the advice of my doctors and the support of my boss to take some time off to deal with these issues. I love my job but it is stressful and my work/life balance is compromised. I wanted to take time off to get in a better mental place so I can be an efficient and clear minded employee.
I opened my claim for STD in mid August with all the appropriate paperwork from my doctor. It took a thousand calls from me (none from them) and 6 weeks of pure aggravation in the end to only have my claim be denied on grounds of it being work related! UMMM... isn't that what I stated from day one? Shouldn't have someone at Unum communicated this 'work related' exclusion clause to me? It would have saved me weeks of aggravation and hence, deeming my leave useless as I was still stressed out and suffering from anxiety attacks due to being in disability limbo. The worst experience ever!
I've been an RN Case Manager at Hahnemann Hospital, part of Tenet Healthcare, since September 2003. I have had to use the Unum disability insurance (the only option we're provided with) for any medical leave since being hired, and have had many more negative interactions than positive ones. I have had chronic back pain since an MVA in 1991, which I was desperate enough to make go away that I agreed to a 2-level spinal fusion in 1/2003 (even though I knew there was a really good chance that it wouldn't help!). I was right, it didn't help, and when I tried to get my employer (Horizon Blue Cross of NJ) to set me up to work from home (which other nurses doing my same job were already doing! ), she instead fired me for being absent! I started working at Hahnemann a few months later.
Since 2006, I've had to misfortune of having to use Unum multiple times for short-term disability, and I've had problems with my payments for more half of those periods of disability. Since I returned to work after all but present episode, I was eventually able to start bringing in money again by returning to my job. This time, however, I'm in a different position. I've been getting treated for osteoarthritis in my knees, hands, wrists & fingers for years. At this point, I'm no longer able to tolerate hours of computer, mouse, charting & writing anymore, and & meds I've been taking all these years make me a little drowsy, leaving me in danger of being fired for sleeping on the job!
I didn't receive the check for the initial 6 weeks I was out (which included a 2-week elimination period that I was paying extra to reduce from 4 weeks) until AFTER I was initially scheduled to have returned to work! I was the one who put the paperwork into the fax machine at the doctor's office for the first 6-week extension of my leave. I gave them a few days to work on the records, and then discovered on the website that they had closed the claim! I called them, and went back to the doctor's office to resubmit everything to them through the end of July, and waited again for something to happen. Nothing did, so again I called, and uploaded the chart info myself to ensure they couldn't deny receiving them.
The day after the records were uploaded, Unum generated another letter again asking my doctor for his records. When I called to tell them that both the office & I had submitted the requested information. I was then assured that the information was received & was being reviewed. Today, I dropped off my prescription for my pain meds and found out that my health insurance, which I sent almost $1,300 to Tenet to keep intact just after receiving the payment from Unum for June, 2016 (that I didn't receive until the last week of AUGUST!). I have to now deal with the Tenet benefits department to see if there is anything that I can do to get this mess fixed.
My doctor wonders why my normally average blood pressure has gone into the stroke (200/100) range! The people at Unum have no conscience; they've received specific notes from my doctor noting that my blood pressure has been too high for him to give me steroid injections in the joints in my fingers, which has not happened to me before this summer.
How do I know I can trust these reviews about UnumProvident Insurance Company?
- 611,030 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
I had major stomach surgery 2 months ago and under my doctor's orders was scheduled to be out for 6 weeks. Unum paid my claim for 4 weeks and decided that they were not going to pay for my additional 2 weeks because I was able to go back to work. Who the hell do they think they are?? If my doctor says I need to be out, an insurance company, who does not know me or my circumstances has no right to deny my claim!!! I have just filed an appeal and I am waiting to hear back. If the claim is denied again, I am calling my attorney. Unum is an insurance company, not a team of surgeons who know what a patient needs. My company and I pay money into the insurance company for my STD... It's not their money!!
I have it for short term and as a supplemental insurance! I pay 86.00 a pay for supplemental and they deny to pay claims and they take 2 weeks plus to pay. Please please do not purchase this insurance, you will have nothing but heartache! I had bilateral hand surgery, they refuse to pay for the second surgery. Lucky before I had them done I called and they told me they would pay for both hands, so since the phone call was recorded they had to pay!! Then my last week off work they would not pay me cause (even though the doctor said I wasn't able to return to work) they refused to pay my last week off!!!
I had an accident which caused head trauma. At the start Unum paid the claim. My doctors and specialists all said that I was unable to work in letters to Unum. About 3 months in, Unum stopped paying claims. They stated it was under review by their doctors (who never saw me). After 90 days, they ruled against all doctors that were treating me and said I could work. Which was funny because I had to have help doing just about everything. So I appealed; 90 more days, then they said they needed another 90 days. Appealed denied. Hire an attorney before 2nd appeal. The story quickly will change from Unum.
I had to go out for a major surgery and my company uses UNUM for their short term disability. I have never had such a horrible experience with a company. This is my first time ever going out on STD in my life and this company has badgered me, harassed me and made my recovery stressful. The doctor has specifically stated that the "full" recovery for this procedure is 6 weeks. The doctor has provided them with every document they need to support my claim.
Now, according to their "chart" my recovery is only allowed for 4 weeks and they just sprung thus surprise on me today, now I have less than a week left before I go back to work. My representative, Tracy is horrible. I can never get on touch with her, and when I opt out to a Tissot speak with someone, nobody knows what is going on. Thus company is deceitful and under no circumstances does your representative try to help you. I'm still on pain meds and cannot drive. Not only that but, since my surgery was on my stomach, it's still swollen and I cannot wear anything with a waistband for longer than 2 hours. But, according to their chart, I'm recovered and need to report back to work.
I'm not trying to work any system or take advantage in any way, but I do feel like they are trying to screw me and I have to "prove" that I'm not able to work. This company and every associate I have dealt with is horrible... Especially Tracy put of Portland,ME. When I asked to speak to her supervisor, she says she wasn't allowed to give put her information but I can call the 800 number and ask for Sheryl. Why would the supervisors isolate themselves like that? Or, why would Tracy lie? If you need rest in order to recover from anything, don't expect it when you deal with UNUM.
I bought Unum's Long Term Care Insurance in 2001. It provided the best benefits for a single person and had an affordable premium. Both the broker and the company guaranteed that the premium would never increase. Only 2096 of these policies were sold in the State of New York. Hardly enough sales to bankrupt Unum. Fast forward to 2015, when, tearfully, Unum contacted me and said the premium just had to go up 10%. It was disappointing, but I paid it. This was just a portent. This year, 2016, the premium went up again: 66%!!! I called the company who was very understanding, and, then, in the next breath informed me that it would increase another 48%. However, their literature says the second increase will not take effect for 3 years. Remains to be seen. They seem to be talking out of both sides of their mouth.
I bought LTC insurance because, as an early widow, I watched all of our assets eaten away by medical costs after my husband died. We had medical insurance but the patient's responsibility totaled over six figures. After retiring all of that debt and raising a family, I managed to buy a small home and start a savings account. I didn't want to lose it all again and die in penury. It's surprising to see how easily one can lose everything. LTC gave me some peace of mind, until now. Beware of 'no-increase' premiums. Seems Unum can break its promise to us but we can't stop paying their inflated premiums.
I've been with Unum for 13 years. Paid premiums promptly. Was told when I enrolled if I paid a higher premium I would not face a rate increase. BIG LIE. 2 years ago rate increase of 18%. Unum has been sued so often I suppose they have to pay their fines. In addition, trying to communicate with Unum is impossible. All ltc seems problematic, but Unum is the absolute worse.
Dealing with Unum has been one of the worst experience in my life. Why do they have to do phone interviews every 2 months about your recovery when a doctor doesn't even know how to answer? My benefits was canceled last week by Unum with no contact to me letting me know there was a problem. My FMLA was received by HR Department by my Dr's office, but my Dr. s office didn't note that the FMLA was faxed in my chart. Rep with Unum never called me of the issue until she stopped my benefits.
I am a single women with zero income and out of work since 9/18/2015 with double brain surgery. All this Unum rep has tried to do from the beginning is stop my benefits. Unum acts like this is their money when this money was taken out of my check every month. Rep with Unum said I would need to file an appeal along with a Dr's office visit that has a co-pay. Just wonder where I can get money to pay co-pays with no income. I started to file a complaint on the rep, but I see no reason because looking at the reviews the supervisors are which like the rep's. I feel thru all the complaints that legal should've resolved all these problems with Unum. I have request legal advice.
I was denied my long term disability after receiving it for about 7 months. I was diagnosed with MS and paralysis as long as a lot of other conditions that I will not go into. They sent someone to observe me and saw me cleaning up dog poop with a pooper scooper and carrying my granddaughter to the car. They say that I am able to go back to work even though I lie in bed most days. They had two neurologist evaluate my claim and even though my doctor has me off on restrictions and I will eventually getting permanent disability they still declined it. Just terrible.
Received a refill in the mail for something I never signed up for mail order. They insisted we'd been receiving it since January, which we hadn't. Rep insisted upon it. Then I asked to speak to Supervisor (someone named Debra) who again insisted we have been receiving it then basically accused me of lying that the post office is never wrong, but we are. They would not process a refund or take the medication back and basically said "file a grievance and good luck with that". I can see why they have such a horrible reputation. Incompetence is astounding coupled with poor customer service skills reading from a horrible script. My company is shopping for a new health care provider and this just sealed the deal for me.
My case worker Lynn ** is unprofessional and unhelpful. I was in an accident 12/07/2015. My neck was injured had major surgery on c1 to c7 vertebrata and she wants to know my restrictions. My doctor and I have given them everything they want and it still not enough. I am getting a lawyer to help me. I have paid for temporary disability just in case something like this happened and when it did they give you a harder time and more stress than the actual accident itself.
I bought long term care insurance since 2008 for me and my wife as $360/year (Long term care coverage: Monthly max.facility = $2000, Assisted living Facility = $1200, Total Home care = $1000), by 2014 increased to $456/year, by Jan. 2015 to $570, by Jul. 2016 to $686/yr. Below is copied exactly statement from insurance letter for understanding why increase and how it trick.
Q. "I thought my rates were guaranteed never to increase. Am I being single out for this rate increase because of my age or health?" A. "No. As a guaranteed renewable insurance product, your rates for long term care insurance will never increase based on changes in your age or health, however, the rates for an entire class of customers can increase if necessary to ensure future claims obligations can be met." A change in pricing on a class basis must be actually justified.
I did not know this tricky answer until now. Make decision carefully before going to buy this kind of insurance. I decided to drop this insurance after nearly 8 years staying with this insurance because it is not guarantee increasing. The long term care coverage is not increase by the year. That is so terrible for coverage not increasing but the payment insurance will increasing.
DX with late stage lyme disease after a cardiac arrest in 2014. Sought short term aid due to cognitive defects and pain. Denied STD after appealing. Now on SSD and Unum LTD but Unum is trying very hard to stop payments due to no progress to return to work. My symptoms are ongoing and likely to worsen. MD are stopping to communicate with them and I am expected to retrieve progress notes for them. I sign releases but records are no longer sent. I am on the verge of being denied any LTD.
Shadiest most unreasonable Insurance company you will ever deal with. Try to work with them. Make every effort to get them all the info they say they need and DOCUMENT everything. An insurance company MUST act reasonably. When they continue to be unreasonable, file a complaint with your state's Department of Insurance. Let them handle it from there. They will decide if Unum handled your claim in accordance with strict federal and state laws and regulations. Unum preys on the ignorance of the their insureds. It's a disgusting business practice that needs to be stopped immediately!!! Shame on you Unum!
I've been having issues receiving payments from Unum Insurance Company. Since 2007 they have been recouping income from me in regards to 3 payment of 1739.52 which Unum had sent. They had refused to remove the family disability, when I no longer had dependents for social security family in 2012 (Unum finally removed the 18-yr-old as receiving family income on their budget calculation). In 2009 I had lost workers comp payments. Appeal was put into the comp board and I won back payments in 2012 so comp gave me back payments for that time to 2014. I still was not receiving any payment from Unum due to a recoup, yet again Unum added an additional recoup amount to what they were already being recouping In 2007. I received the max in Social Security disability and workers comp from 2012-2014 and Unum was paying me the minimum balance of $173 which they had been recouping since 2007.
2014 Unum sent me a settlement offer and I declined the $16,000 minus $6000 overpayment they claimed I had owed, but in the same token they sent me a check for under $2000 a few days later because they claimed I was underpaid by them. So I cashed the check after I called Unum to make sure that it was not going to be an issue if the checked was cashed. I was told by Unum representative that it was my money owed to me from an underpayment by Unum and for me to go on and cash the check. Representative stated it was ok to cash the check (biggest mistake ever on my part because they used that as a reason to recoup). In 2014 I decided to settle. I decided to take the lump sum instead of the bi-weekly payments from workers comp. Unum sent me a letter stating that there was an overpaid by them. Mind you Unum is still only paying me the minimum amount $173. But the recoup payment was close to $10,000.
Today I received a call from Unum,. I was told by them that my settlement offer from workers comp which was a one-time payment of me forfeiting all future payments from workers comp and will never receive another payment from worker comp. Well Unum says that my settlement amount in 2014 was backpay from workers comp from 2012-2014. I asked the Unum representative how could my settlement be a backpayment, when I was getting a bi-weekly workers comp check from 2012-2014 and had not received any money from comp since 2014 to current. And how do I owe back several thousands of dollars when your company has only been paying me the minimum of $173 and has been recouping since 2007. In my case Unum has been recouping on a recoup so they don't have to pay me any benefits I'm entitled to.
Unum also told me today they are going to contact workers comp and they may have to go back 2012-2015 and I may owe them money. How is that possible? When In 2012 reinstatement of my works comp claim they gave me a 1-time backpay in 2012 to cover income lost and thereafter workers comp bi-weekly check until 2014 settlement. Unum has received all income verification documents in a timely manner of any changes in income from all parties, workers comp & myself included.
This is my third short term disability claim. Unfortunately, I'm dealing with chronic back pain, shoulder pain. Stressed with doctors bills. They are not consistent. Don't pay them.
I had a herniated disc in my neck and needed surgery in August 2015. I spoke with Unum weeks before my surgery, got all the paperwork needed, and had the claim filed before I even went out of work. When my 14-day waiting period was over, I immediately started receiving direct deposits. When my return date changed, it wasn't a problem at all and no delay in getting my deposits. They made an event that could have been very stressful, very simple and stress-free. I am so thankful that I opted into this extra coverage through my employer.
Unum is the company that my employer utilized for long/short term disability. I have been sick since July 2015 and expected to return to work. When my condition failed the thought of it a month later I called Unum. A Unum representative guaranteed me that she will be working to assist me in every way possible. I have never had an experience this horrible in my life. Every rep that I spoken with had a different way of doing things as if they don't have policies. I have spoken to Jan, Laura, Wendy and many more names that I can't remember at the moment and now as of today a supervisor named Craig. Unum is full of misleading reps who all blame everyone but themselves.
The sad thing is for this to be a big company they never return calls or meet the deadlines that they give you when gathering your information. My doctor has willing sent Unum every document that they have requested and even have spoken with them on the phone. Everything I sent them isn't enough no matter what it is. Wendy ** called me on a day that I was very sick and I stated that to her and she still kept me on the phone for 45 mins answering question after question. Wendy never followed up with me until I finally called her. Wendy can never answer the questions that I ask but instead ask me to read letters that she supposedly has sent me.
Craig ** is the supervisor I spoke to today. Craig ignored everything that I informed him of prior to him taking the card from Wendy. When asked for Corporate's number Craig threatening to hang up on me and cut me off when I was speaking. Craig then provided me a complaint line and hung up on me. All I have asked for Unum to do is their jobs. All I wanted is for Unum to treat me as a human being and provide me with the correct information to assist me. I'm sure Unum has guidelines, policies and procedures to better assist their clients.
I had major back surgery in 2014 and still can't work. I had to retire early and now I get SS disability. I have had this insurance for about 30 years, and this is my only claim. I had to jump through hoops to get SS but this is stupid. The DR's and hospital have sent them everything they asked for and it's STILL not good enough! I called and asked them just what EXACTLY do they want?! Everything from 10/13/2014 to 12/2015. What really, OK! They are going to get about 300 pages and I'm leaving some out. I'm done. I'm also getting a Lawyer. This is nuts! I only get $1248 a month! I WILL NOT GET TAKEN! And neither should anyone else!
After chemo and radiation, I was feeling too sick to work and filed a claim. The representative was rude and condescending. She told me that I was just "tired" and that is not a disability. My claim was denied, but the process was so onerous that I didn't pursue it. I paid into my policy for 14 years and claimed next to nothing when I had a life-threatening illness. This is a terrible company and I suppose businesses purchase this for employees because of the low cost.
This has been the worst experience I have ever encountered from an short term disability company. I was injured in a car accident December 2015. UNUM short term disability has made it very difficult during this process. The amount of paper trail and communication is unbelievable causing so much stress. This has not helped with my recovery at all because of the burden of never knowing if I will have income on a weekly basis. As a single parent this is horrible thinking. I paid into an insurance as such to protect me and my son should some things like this ever happen, only to feel like a victim from the company that was supposed to protect us. The employee agents are so rude making me feel powerless. They expect me the physical injured to fax doctors records pertaining to my injury even after my doctors office has tried to comply with their requirements.
If I recover from my injuries after surgery I will never use this company again. I will seek out another insurance provider like AFLAC. I am so upset emotionally because of the constant hassle UNUM causes on a weekly basis. I have had three doctors say I am disabled and unable to work, however UNUM ask repeatedly when will I return even though I say I don't know. I am not a doctor nor is UNUM agents but they deny benefits against my doctors’ restriction and disability certificates. I just want to give up and I believe that is their goal to have me to do so. I wouldn't wish this treatment for anyone.
I have been dealing with this company for a few years on a Long Term Disability issue. The coverage was thru our union SO that's who I had to deal with. My most recent dissatisfied experience was this week when I received an email indicating a new message in my INBOX. I logged into to find a letter from UNUM indicating that back in May of 2014, a payment that was made to me was made using the wrong rate of calculation. In early 2015, they billed me for back pay I received from my employer and when I contested the amount, they had reduced the payback by $2300. In May of 2015, I sent them a copy of my new retirement amount/adjustment. So the letter I got was for the original $2300 that, according the person that called me, was calculated in error. I sent them the letter in May 2015. It is now March 2016 and on 3/28/16, they inform me that I owe them this money back.
It took them roughly 10 months to respond to my information that I provided. After expressing my dissatisfaction and telling them that it's outright ** that it takes this long to do something. If they had needed information, they would have been calling every day until they got it. But the letter I got said that the amount I owed was due to them by April 29, 2016. It took 10 months to look at my information and then they give me 30 days to come up with THEIR money or as the person on the phone told me "we have to protect our interests..." This company is worse than dealing with the government. I can't even begin to explain how many different people I have had to deal with since opening my claim and I can't wait until I get another letter from them stating that there was some error with calculation and they want their money back.
I firmly believe that their own rules are so complicated and jacked up that the people working there don't even know what rules they are to follow. When it comes to this one matter, I've dealt with 3 different people and there have been 3 different answers. They state they have the right to audit any claim at any time. So with that being said, if you think you're getting what you're supposed to get, think again. Chances are the people that are doing the math, can't do the math and you will end up paying something back in the end. I've dealt with many insurance companies over the years and this one has to be the worst I have ever had to deal with. Since it took them 11 months to get back to me, I guess in 6 months, when I get around to it, I might have time to get back to them regarding this matter. As long as I get back to them within the same time frame they afforded me, I'll be sure to return the favor.
Their letters never offer a full explanation other than they just offer dates and an amount that you owe them back. If they had taken action on my letter I provided in a REASONABLE amount of time, the person on the phone today would not have had to gone to get a hearing test after I was done. Stay clear of this company at all cost. The bottom line is this company sucks, they appear to care about you but as with any insurance company, they only care about one thing and that is how much they can get back out of you for their incompetence and how little they have to pay. You will probably have to fight for what is owed to you!! Nothing is timely. As I mentioned, their rules are so complicated that when I asked about a payment I was referred to a letter that stated I owed money back. Read your policy with this company.
Understand it as best as you can. Hell, the agents that sell this stuff probably don't even understand it since their own employees can't get their story straight. You have to do your own homework, as with any insurance policy. Know what you are entitled to, how you're going to get it, when you're going to get it and ask them to make sure that you are not being overpaid so in 10 months, you don't get that extra colonoscopy for the year from UNUM, in which you end up paying for!!! Remember, they are only quick when they need something from you. But when you need something from them, give it a few months and maybe you'll hear something. I would NOT AND NEVER WILL DO BUSINESS WITH THIS COMPANY EVER AGAIN!! EVEN IF MY EMPLOYER PAYS FOR IT.
I was permanently disabled in the line of duty in 2014, I was forced to deal with UNUM because they are the third party insurance company for my private retirement fund Colorado PERA. I started to apply in 2016 because that's when my Work Comp case was at MMI and the WC Insurance company dumped me. The first thing I noticed was that they had denied coverage immediately without even receiving all of my medical records. I had to threaten my retirement company with an early withdrawal in order to receive my entitled 12 months of STD even though I was already permanently disabled. Once the STD started, I received weekly phone calls and check ins from UNUM which were more like threats to revoke coverage. They sent me a form that demands my signature which entails my permission to "Not seek legal counsel" for my disability. I refused to sign it, but I kept it in case I go to court.
They play good cop / bad cop with their phone calls trying to get you to crack under pressure. They will basically call you a liar without saying it and will continue to harass you using excuses ranging from "Preexisting conditions to outright laziness". The adjuster would tell me to lie on my employment applications and say that I wasn't disabled in order to get jobs that I wasn't qualified for so that I would be off of their case load.
I have only had to deal with them since late January and they are already threatening me with revocation of my benefits because I am simply not getting a job fast enough for them to save money. I truly believe that the only way to support my family is to drop UNUM and dump my retirement fund because they will never stop until I am off their case load. It's really sad that these companies we pay for are in fact damaging people's livelihood and that they are able to get away with it. It's safe to say that if these companies actually worked just as hard to actually help people instead of hurting them, the support system they advertise would actually work to some degree. Unfortunately, that's bad for business.
I started my short term in July 15 due to blacking out and fainting among other symptoms for unknown reasons at the time. During short term I had to fight continually for payment. I finally received my three months short term after they already sent me to long term. During the 6 months of long term I've seen many specialist and had small diagnosis and some treatments. Nothing has helped. I have low blood pressure and small nerve disease. My ANA level is showing a auto immune disease found in Jan. 16. During these 3 months I've had numerous tests come back negative until March 11 when they diagnosed the small nerve disease. They are sending me to another specialist because many of my test suggest Lupus.
On March 15 Unum closed my claim saying there's not enough evidence to support the claim and restrictions my doctor's put me on. (I can't even drive. I work in a warehouse that requires driving hi-lows and other machines.) 6 months I've jumped through hoops and paperwork and tests. Don't these idiots understand when diagnosing a disease it takes time and some tests will be positive and some will be negative? I plan to fight this decision. Filing an appeal and seeking an attorney. I have two kids to support on my own and had to go get State Assistance to feed my children, move in with a friend's mom, because these people don't give two ** about you or your family.
Your stories explain why I have been denied by UNUM for long-term disability. I am a cancer patient who got fired from my job during my medical treatment, and of course I had to change my medical insurance, my doctors, etc. Long story short. I suffer from severe depression, horrible bone pain, and fatigue. I had a doctor's note from my primary physician who confirmed that I am not ready to back to work yet.
After so many months of "investigations" from Unum, and calling couple of my new doctors (which I met once), their doctors decided that there are not enough evidences to prove my disability. I got denied, and the person who was carrying my case told me that many people with cancer go back to work six months after their treatments (which is true, everyone is different), and also she recommended me to treat my severe depression by working. She also stated that even if I see a new psychiatrist, it is very hard to prove that this is a preexisting condition, I needed lots of documents from at least five years back proving my condition. In the end she stated that even if I get a lawyer that's not gonna help, and Unum is not responsible for my financial situation. I also was paying life insurance for many years, and finally when I faced the possibility of needing it, I lost it. The question is, should we pay money to these scammers???
I had to take a short break from work to recover from complications related to HIV. They denied my request for short term disability and gave me a laundry list of made up reasons all related to supposed discrepancies on my doctor's parts. In reality, they made things up in their notes that never happened. My doctor called to correct them and they basically said they didn't care what his medical opinion is, they're denying because they can. They stated that my condition doesn't qualify. Does one need to be dead to qualify? If HIV isn't a serious illness, then what is?
Upon investigation, I discovered hundreds of reviews with very similar circumstances. These guys are shameful scams preying on the most vulnerable people. They're exactly what is wrong with our Insurance system. Profit above all else. Thankfully I work for an amazing company and now that my HR rep is aware of my experience, the company is shopping for a new provider and ditching UNUM. All other companies, beware!!
Matthew BrodskyInsurance Contributing Editor
Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.
More about Matthew→
Unum is one of the oldest insurance companies in the United States, having first offered insurance prior to the Civil War. It became the first disability insurance provider in the United States in 1939.
- Online tools to help users choose the right policy: Users can answer questions online to find out which disability policy is right for them.
- Covers childbirth as well as short-term illnesses: People who cannot work while pregnant or due to complications of childbirth can take advantage of short-term disability benefits.
- Individual supplement available: Consumers who depend on commissions or bonuses at work can purchase supplemental insurance to protect them in the event of a disabling condition.
- Group plans for employers: Many users can purchase this insurance through their employers.
- Offers clear information online: Users can find out exactly what each policy covers by looking at the company's website.
- Best for People who have been injured and people recovering from surgery.
Compare Disability Insurance
Unum Insurance Company Company Profile
- Company Name:
- UnumProvident Insurance Company
- Year Founded:
- 1 Fountain Sq
- Postal Code:
- United States